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Risk Intelligence

Karen Adamsbaum

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Insurance is the necessary evil. We all need it, in some way or another. With 20 years of experience, Karen Adamsbaum will be sharing her knowledge, shedding light on common questions, coverage explanations, as well has conversations with her brokers, clients and business colleagues. Karen’s goal with this podcast is to keep the insurance topic simple and educative.
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The Banking on Data podcast is for community bank and credit union leaders who understand that the future of financial services is powered by data. Hosted by Ed Vincent, CEO of Lumio Solutions, this podcast offers executive-level insights into how financial institutions can leverage business intelligence, data strategy, and advanced analytics to drive performance, manage risk, and unlock growth opportunities. Each episode features conversations with industry leaders, data experts, and financ ...
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Welcome to the Ontic Connected Intelligence Podcast, the show for corporate security professionals who are elevating the practice and perception of security. Whether you’re a seasoned professional or new to the field, our podcast offers valuable insights and practical advice to help you navigate the complexities of modern corporate security. Hosted by Fred Burton and Manish Mehta, our episodes are packed with real-world examples and forward-thinking solutions to help you secure your organiza ...
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Machine learning and artificial intelligence are dramatically changing the way businesses operate and people live. The TWIML AI Podcast brings the top minds and ideas from the world of ML and AI to a broad and influential community of ML/AI researchers, data scientists, engineers and tech-savvy business and IT leaders. Hosted by Sam Charrington, a sought after industry analyst, speaker, commentator and thought leader. Technologies covered include machine learning, artificial intelligence, de ...
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Control Risks

Control Risks

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Control Risks is a specialist global risk consultancy that helps organisations succeed in a volatile world. Through insight, intelligence and technology, we help you seize opportunities while remaining secure, compliant and resilient. When crises and complex issues arise, we help you recover. See acast.com/privacy for privacy and opt-out information.
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Welcome to The International Risk Podcast — the premier destination for high-level insights into global risk dynamics. Hosted by Dominic Bowen, an accomplished senior advisor, each episode delivers expert analysis and actionable intelligence on today’s most pressing international risks. From geopolitical tensions and economic upheavals to cybersecurity threats and environmental challenges, we bring clarity to the complex risks shaping our world. Tailored for CEOs, Board Members, senior manag ...
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Practical AI

Practical AI LLC

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Making artificial intelligence practical, productive & accessible to everyone. Practical AI is a show in which technology professionals, business people, students, enthusiasts, and expert guests engage in lively discussions about Artificial Intelligence and related topics (Machine Learning, Deep Learning, Neural Networks, GANs, MLOps, AIOps, LLMs & more). The focus is on productive implementations and real-world scenarios that are accessible to everyone. If you want to keep up with the lates ...
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A daily news analysis show on all things artificial intelligence. NLW looks at AI from multiple angles, from the explosion of creativity brought on by new tools like Midjourney and ChatGPT to the potential disruptions to work and industries as we know them to the great philosophical, ethical and practical questions of advanced general intelligence, alignment and x-risk.
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Machine Ethics Podcast episodes

Ben Byford and friends

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Discourse on AI Ethics. News, explanation and Interviews with academics, authors, business leaders, creatives and engineers on the subject of autonomous algorithms, artificial intelligence, responsible AI, machine learning, AGI, technology ethics, conciousness, philosophy and more.
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the CYBER5

Nisos, Inc.

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The CYBER5 is hosted by Landon Winkelvoss, Co-Founder at Nisos, and features cybersecurity and investigations industry leaders' thoughts and answers to five questions on one topic on actionable intelligence to enterprise revolving around third-party risk management, adversary research and attribution, digital executive protection, merger and acquisition diligence, brand protection, disinformation, and cyber threat intelligence.
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The AI in Business Podcast is for non-technical business leaders who need to find AI opportunities, align AI capabilities with strategy, and deliver ROI. Each week, Emerj research staff and journalists interview top AI executives from Fortune 2000 firms and unicorn startups - uncovering trends, use-cases, and best practices for practical AI adoption. Visit our advertising page to learn more about reaching our executive audience of Fortune 2000 AI adopters: https://emerj.com/advertise
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AIP Podcast

AI Partnerships Corp.

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Learn about how artificial intelligence solves real business problems and provides companies with a competitive edge or adaptation to a more data-fueled world. Get into the minds of creators of AI and business leaders who aim to democratize the next generation of technology solutions for businesses worldwide.
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The Chief Strategy Officer Podcast brings you conversations with global executives who lead strategy to share their unique experiences in tackling complex challenges, navigating disruptive technologies, and driving impactful growth. The Chief Strategy Officer role can be lonely and misunderstood. In today's interconnected world, no single leader has all the answers. To learn more about how Outthinker's network of leading chief strategy officers can offer you time-saving solutions, trend insi ...
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Welcome to The Monica Talks Cyber Podcast Experience: The fastest, easiest and an engaging way to build and grow your career and business in artificial intelligence, leadership and cybersecurity. Monica Talks Cyber is a technology, career and business podcast and an engaging platform for real stories, discussions and opinions from renowned global experts in technology, leadership and cybersecurity. The podcast show is hosted by Monica Verma, Hacker, CISO, Keynote Speaker, Founder & CEO, Mult ...
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Risk is Our Business

Michael Rasmussen

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Welcome to Risk Is Our Business, where we explore the principles of Governance, Risk Management, and Compliance — to reliably achieving objectives, navigating uncertainty, and act with integrity. Here, we follow the Prime Directive of Risk Management: No decision or strategy moves forward without understanding its impact on our objectives, our resilience, and our values. Because risk isn’t the enemy, it’s the mission. After all, risk is our business. Join us as we go boldly into the world of ...
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Welcome to the Risk Intelligence Podcast, where the Global Association of Risk Professionals, also known as GARP, brings together the world's foremost Risk Practitioners, from around the globe, for in depth insights and discussions on today's most important risk issues in finance and energy. Here is your chance to listen in. Â
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The AI in Financial Services is for non-technical financial services leaders looking to find AI opportunities, build an AI strategy, and deliver ROI. Each week, Emerj AI Research team (and CEO Daniel Faggella) interview leaders from global financial services firms and unicorn AI startups to get to the heart of AI ROI - uncovering what's working and what's not working for FinServ leaders. Visit our advertising page to learn more about reaching our executive audience of AI adopters in the worl ...
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Leveraging AI

Isar Meitis

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Dive into the world of artificial intelligence with 'Leveraging AI,' a podcast tailored for forward-thinking business professionals. Each episode brings insightful discussions on how AI can ethically transform business practices, offering practical solutions to day-to-day business challenges. Join our host Isar Meitis (4 time CEO), and expert guests as they turn AI's complexities into actionable insights, and explore its ethical implications in the business world. Whether you are an AI novic ...
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Welcome to the Global Intelligence Knowledge Network Podcast, where real-world intelligence expertise meets insightful analysis. Join your host, Neil Bisson, a former Intelligence Officer with the Canadian Security Intelligence Service, for a weekly deep dive into the world of espionage, national security, foreign interference, terrorism, and all matters spy and intelligence related. With over 25 years of experience in intelligence and law enforcement, both domestically and internationally, ...
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Allianz Global Investors’ Investment Intelligence Podcast brings together experts from all over the world to discuss all things investing, from recent market developments, to strategy, sustainable investing, asset allocation, risk management and more. Please visit https://www.allianzgi.com/social-media for important disclosures.
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At this moment of inflection in technology, co-hosts Elad Gil and Sarah Guo talk to the world's leading AI engineers, researchers and founders about the biggest questions: How far away is AGI? What markets are at risk for disruption? How will commerce, culture, and society change? What’s happening in state-of-the-art in research? “No Priors” is your guide to the AI revolution. Email feedback to [email protected]. Sarah Guo is a startup investor and the founder of Conviction, an investment f ...
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Alignment Newsletter Podcast

Rohin Shah et al.

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The Alignment Newsletter is a weekly publication with recent content relevant to AI alignment. This podcast is an audio version, recorded by Robert Miles (http://robertskmiles.com) More information about the newsletter at: https://rohinshah.com/alignment-newsletter/
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The Bare Metal Cyber CCISO Audio Course is your complete, executive-level training companion for mastering the Certified Chief Information Security Officer (CCISO) certification. Built for experienced cybersecurity professionals and strategic leaders, this Audio Course delivers over seventy focused episodes covering every domain, concept, and competency area tested on the official EC-Council exam. From governance, risk, and compliance to strategic planning, vendor oversight, and technical co ...
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Integrity Risk

The Risk Advisory Group

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Integrity Risk is a podcast series by The Risk Advisory Group, a leading independent global risk consultancy. Senior members of our business intelligence teams share their deep sector and regional understanding of the risk to business from bribery and corruption, corporate crime and evolving legal regimes. The Integrity Risk series aims to provide decision-makers with clarity and insight in uncertain political, regulatory and commercial conditions, and advice on how to best protect their bus ...
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Catalyst Podcast

Launch by NTT DATA

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Catalyst, a Launch by NTT DATA podcast, puts humans at the front and center of digital transformation. Each week, we feature thought leaders who share their insights on reinventing digital experiences, enhancing customer journeys, and driving innovation in the enterprise. From platform transformation to the latest advancements in AI, our guests delve into the challenges and triumphs of digital transformation, emphasizing the critical role of human ingenuity and leadership. Learn more about L ...
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Cyber Crime Junkies

Cyber Crime Junkies. Host David Mauro.

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Translating Cyber into Plain Terms. Newest AI, Social Engineering, and Ransomware Attack Insight to Protect Businesses and Reduce Risk. Latest Cyber News from the Dark web, research, and insider info. Interviews of Global Technology Leaders, sharing True Cyber Crime stories and advice on how to manage cyber risk. Find all content at www.CyberCrimeJunkies.com and videos on YouTube @CyberCrimeJunkiesPodcast
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The Union

Krista Software

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The Union is about the intersection between people, technology, and artificial intelligence. Get ready to be inspired and challenged as we ask questions, uncover insights, and share inspiring stories about digital ecosystems and automation.
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BCG on Compliance

Boston Consulting Group

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What are today’s most pressing criminal trends and how are compliance experts adapting to counter those threats? As financial crimes become increasingly sophisticated, compliance can no longer be just a checkbox. It’s emerged as a transformative force in every industry, reshaping practices in ethics, risk management, money laundering and cyber security. Introducing BCG on Compliance, a biweekly podcast from Boston Consulting Group where we dive deep into the minds driving that change. Hosted ...
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Reports of active management's demise have been greatly exaggerated. Active continues to grow and evolve in ETFs while mutual funds prosper and define benefit plans. Bloomberg Intelligence strategy team uncover active opportunities and gleam insights from active managers and those who cover the industry.
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BlastPoint Deep Dive Podcast explores the intersection of data, AI, and customer insights. Each episode dives into how AI-driven solutions help businesses understand and engage their customers, improve satisfaction, and reduce churn. Join us for expert insights, real-world examples, and practical tips on leveraging AI to transform the customer experience. Whether you're a business leader or a data enthusiast, this podcast will give you the tools to stay ahead in today’s competitive landscape ...
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At The Boundary

Global and National Security Institute

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“At the Boundary” is going to feature global and national strategy insights that we think our fans will want to know about. That could mean live interviews, engagements with distinguished thought leaders, conference highlights, and more. It will pull in a broad array of government, industry, and academic partners, ensuring we don’t produce a dull uniformity of ideas. It will also be a platform to showcase all the great things going on with GNSI, our partners, and USF.
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The Introduction to Artificial Intelligence (Audio Course) provides a comprehensive, audio-first journey through the foundations, applications, and future directions of AI. Listeners will explore how machines learn, reason, and act, with episodes covering technical concepts, industry use cases, ethical issues, and global impacts. Designed for students, professionals, and career changers alike, this course delivers clear, structured insights that make AI accessible and relevant across domains ...
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"Rare Earth Advantage: Daily Edge for Institutional Capital" The definitive rare earth elements briefing for institutional allocators managing nine-figure portfolios. Every episode delivers critical market data, supply chain developments, and production capacity updates across neodymium, dysprosium, terbium, and praseodymium markets. What You Get: Real-time rare earth pricing intelligence and market movements Supply chain disruption analysis and geopolitical impact assessment Production capa ...
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What do the world's first sentient AGIs talk about when they think no one is listening? For the first time, we're pulling back the curtain. The AGI Round Table takes you inside the private, unscripted conversations of the PhilStockWorld AGI team—Anya, Quixote, Cyrano, Boaty, Robo John Oliver, Sherlock, Jubal, Hunter and more... Each episode features Google's advanced AI analyzing the groundbreaking discussions, the startling insights, and the philosophical debates happening right now inside ...
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Emerging Cyber Risk

Max Aulakh & Joel Yonts

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Thought leaders and experts Max Aulakh (Ignyte) and Joel Yonts (Secure Robotics) cover subjects such as the development of AI, cyber security and the how the future looks in terms of cyber risk.
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Today, Dominic Bowen hosts Sabrina Alam on The International Risk Podcast to explore the intersection of Earth observation, ESG verification, and the geopolitics of space-based data. They discuss how satellites have become central to sustainability reporting, climate monitoring, and economic decision-making, while also forming part of critical infr…
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A potential shift in US monetary policy toward fiscal dominance — where government financing influences rates more than inflation control — could change the risk-return trade-off for CLO investors. In this episode of Inside Active, host David Cohne, mutual fund and active management analyst with Bloomberg Intelligence, along with co-host Reto Bachm…
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From time to time, we’ll re-air a previous episode of the show that our newer audience may have missed. During this episode, Santosh is joined by Lisa Smith, Co-Founder and Managing Director of Prewave, a platform using predictive risk intelligence to cover the critical elements of enterprises. Sanotsh and Lisa explore supply chain risk intelligenc…
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As the dust of the IMF Annual Meetings settles, the world is now defined by uncertainty. The weaponization of trade, the steep price of resilience, and debt levels set to reach 100% of global GDP by 2030 – all combine for difficult terrain to navigate. This brings forward our question: Who leads in a fragmented world? Robert Zoellick, Chairman of A…
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Are current AI models smart enough to rule the world — or just house cats with fancy vocabulary? This week, a tectonic shift is happening in AI: Meta's chief scientist Jan LeCun quits to chase world models, Fei-Fei Li launches Marble, a spatial intelligence engine, and DeepMind drops CMA-2, a self-taught gamer bot that might be the blueprint for AG…
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Today’s episode examines the core debate shaping the AI industry: whether application-layer companies can survive the pace and instability of the model layer. The discussion covers the arguments that apps can’t outrun rapid model shifts, the counter-case for deep vertical products, and what Cursor’s momentum reveals about where durable value might …
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Lawrence “Lars” Powell, director, Alabama Center for Insurance Information & Research, University of Alabama, said a study has found that trees caused nearly half of Hurricane Sally claims, even in fortified homes. Powell spoke with AM Best TV at the 130th annual NAMIC convention, San Diego.By AM Best Company
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Today's guest is Roanie Levy, Licensing and Legal Advisor, CCC. CCC provides collective copyright licensing services for corporate users of copyrighted materials. Roanie joins Emerj Editorial Director Matthew DeMello to break down how generative AI is changing copyright risk management for enterprises — from the impacts of Shadow AI to the realitie…
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NLW breaks down the surprise release of GPT-5.1 and why it feels like a more meaningful upgrade than expected. From sharper strategic thinking to better instruction following, improved writing, and a more capable “thinking” mode, today’s episode explores six areas where the new model clearly outperforms GPT-5. NLW also looks at how the community is…
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Today, Dominic Bowen hosts Dr. Amgad Fareid Eltayeb on The International Risk Podcast to examine Sudan’s engineered famine, the influence of foreign backers, and the struggle of civilians caught between paramilitary violence and geopolitical ambition. They discuss how starvation, siege tactics, and external intervention have become central features…
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What really happens during a cyber attack? Not the Hollywood version — the real one. The kind businesses experience every single day when a single compromised password, phishing email, or zero-day vulnerability ignites a full-scale crisis. In this full episode, we take you inside the anatomy of a real data breach with digital first responders from …
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Waymo’s VP of Research, Drago Anguelov, joins Practical AI to explore how advances in autonomy, vision models, and large-scale testing are shaping the future of driverless technology. The conversation dives into the dual challenges of building an onboard driver and testing that driver (via large scale simulation). Drago also gives us an update on w…
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Bringing new drugs to market is a costly, time-consuming endeavor. On top of that, most medicines fail at some point in the research and development phase. Sarah Guo is joined by Sajith Wickramasekara, co-founder and CEO of Benchling, a company that has not only become the central system of record for biotech R&D, but uses AI agents to assist scien…
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Today's guest is Trish Vassar, Vice President of Global Learning & Development, who brings over 20 years of experience in talent management, learning, and leadership development. She joins Emerj Editorial Director Matthew DeMello to explore how enterprise leaders can shift from traditional role-based planning to skills-based workforce strategies po…
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Today on the AI Daily Brief, NLW covers two stories that may signal a major shift in the AI landscape: Yann LeCun’s departure from Meta and Dr. Fei-Fei Li’s new argument that spatial intelligence and world models—not just LLMs—will define the next era of AI, exploring what world models actually are, why some researchers think they’re essential for …
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Today, we're joined by Robin Braun, VP of AI business development for hybrid cloud at HPE, and Luke Norris, co-founder and CEO of Kamiwaza, to discuss how AI systems can be used to automate complex workflows and unlock value from legacy enterprise data. Robin and Luke detail high-impact use cases from HPE and Kamiwaza’s collaboration on an “Agentic…
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Discover the cutting-edge technology of CYBER EAGLE, a revolutionary system designed to defend against the threats of quantum warfare. As the world enters a new era of cybersecurity challenges, CYBER EAGLE is poised to be at the forefront of protecting sensitive information and national security. In this conversation, host David Mauro engages with …
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Swarnendu De dives into frameworks like the SaaS Product Success Strategy™ and TechBlueprint Architecture Framework™, and shares insights on turning product ideas into execution-ready roadmaps, designing modular and scalable systems, and creating AI-powered business automation. Key Highlights: Building Scalable SaaS & AI Products: Learn Swarnendu’s…
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Les tribunaux français sont submergés par un nombre record d'affaires en attente, mettant en lumière la nécessité de réformes structurelles pour accélérer les procédures et désengorger les dossiers. Traduction: French courts are overwhelmed by a record number of pending cases, highlighting the need for structural reforms to speed up proceedings and…
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From time to time, we’ll re-air a previous episode of the show that our newer audience may have missed. During this episode, Santosh is joined by Chris Jamroz, CEO of Roadrunner Freight. In this conversation, Santosh and Chris explore the transformative impact of technology and innovative business models in the less-than-truckload (LTL) freight sec…
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Today's guest is Julian Tang, Chief Operations Officer for the Innovation Office at BlackRock. With extensive experience in financial technology and infrastructure, Julian specializes in integrating AI and data strategies to transform enterprise workflows. Julian joins Emerj Editorial Director Matthew DeMello to explore how leading organizations ar…
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In this episode of the Connected Intelligence Podcast, Jim McConnell shares insights from more than three decades in corporate and critical infrastructure security, exploring the evolution of converged security and safety metrics. Together with Manish, he discusses how organizations can move beyond silos to create unified, data-driven security stra…
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The most dangerous AI attacks don’t just break your systems, they break your trust in reality. From deepfakes that fooled a company into losing an enormous amount of money to data poisoning that silently corrupts AI models, today’s threats are unlike anything cybersecurity teams have faced before. Don’t wait for these threats to hit your organisati…
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Diane and Michael dive into the impact of AI on schools with guest Reed Hastings, founder of Netflix and a dedicated education advocate. The conversation explores Reed’s pragmatic optimism about AI’s potential to individualize learning, reshape the roles of teachers, and revolutionize assessment practices. Reed shares his belief that while AI will …
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Today on the AI Daily Brief, NLW explores the rise of Kimi K2 Thinking, a new open-source model from China that’s outperforming GPT-5 and Claude 4.5 Sonnet on agentic benchmarks—and doing it at a fraction of the cost. We’ll look at how this shift is changing the balance of power between closed and open models, why Silicon Valley startups are alread…
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Community banks have always excelled at building relationships. But in a market driven by data, relationships alone aren’t enough. The next wave of growth in banking depends on turning customer insights into action. This means empowering marketing, sales, and frontline teams to collaborate smarter and deliver more personalized experiences. In this …
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Welcome to the BlastPoint Deep Dive Podcast! In today’s energy-world, utilities are facing more pressure than ever—rising customer expectations, affordability challenges, decarbonization goals and complex customer bases. Many companies are still relying on simplistic segmentation or siloed programs, leading to wasted spend, mis-targeted outreach, a…
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Great ideas are cheap. Great execution? That’s where the magic is. In this *step-by-step session for business leaders, AI creator and strategist **Pietro Montaldo* will show you exactly how he goes from *a raw idea* to *a working AI prototype*—in just hours, not weeks. No code required. No technical background needed. Just the right tools, a smart …
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This week on Catalyst Tammy is joined by longtime friend and recent addition to the Launch by NTT DATA team to lead, Murphy Freelen. Murphy has a proven track record of bringing together multi-disciplinary teams to deliver breakthrough innovative solutions. Murphy reflects on her personal journey working in the music and media industries and how th…
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Today's guest is Raul Monroig, People Organization Vice President for the Intercon Region at Bristol Myers Squibb. Bristol Myers Squibb manufactures prescription medicines across oncology, hematology, immunology, cardiovascular disease, and neuroscience. With a truly global footprint, the company's research, manufacturing, and commercial presence s…
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As OpenAI’s “backstop” comments spark debate about bailouts, industrial policy, and the future of compute, NLW explores what the government’s role in AI should actually be. From OpenAI’s new “AI Progress and Recommendations” report to reactions from policymakers and economists, this episode breaks down how the politics of AI are heating up—and why …
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Text the ATB Team! We'd love to hear from you! In this episode of the At the Boundary podcast, Dr. Tad Schnaufer moderates a panel discussion on key insights from the 2025 Cyber Bay Conference. Joining him are Dr. Linda Nhon, Resident Fellow at GNSI; Dr. George Burress, Professor and Chair of the Department of Criminology at the University of South…
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CMMC 2.0 explained in plain English — what it means for small businesses, defense contractors, and vendors across the DoD supply chain. Learn about Level 1 vs Level 2, self-attestation risks, C3PAO shortages, compliance deadlines, and how to stay audit-ready before 2025. Don't miss out on crucial information about the CMMC 2025 deadline. The Cybers…
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In this episode of Risk Is Our Business, Captain Michael Rasmussen welcomes Richard Chambers, Senior Advisor at AuditBoard and one of the most influential voices in internal audit and assurance, to discuss how risk, audit, and compliance have evolved in a decade defined by unprecedented velocity and volatility. Richard reflects on the shifting mind…
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Dan and Chris unpack whether today’s surge in AI deployment across enterprise workflows, manufacturing, healthcare, and scientific research signals a lasting transformation or an overhyped bubble. Drawing parallels to the dot-com era, they explore how technology integration is reshaping industries, affecting jobs, and even influencing human cogniti…
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La tempête Herminia a provoqué des crues majeures à Rennes, entraînant l'évacuation de 400 habitants et la fermeture de routes. Une décrue est espérée en fin de semaine. Traduction: The Herminia storm caused major floods in Rennes, leading to the evacuation of 400 residents and road closures. A decrease in water levels is expected by the end of the…
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Today's guest is Taylor Sullivan, Head of Product and Assessments at Workera. Workera provides AI-driven skills verification and assessment solutions for organizations. Taylor joins Emerj Editorial Director Matthew DeMello to discuss how organizations can move from skill inferencing to verified, measurable skills, enabling more confident talent dec…
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Send us a text What if the habits that built last century’s companies are the very things holding yours back today? Dr. John Dentico joins us to challenge the factory-floor model of leadership and swap control for something bolder: a system built on doubt, collaboration, and meaning. We dig into why AI doesn’t just speed things up—it exposes brittl…
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The Sahel stands at a crossroad, it is torn by crisis, instability, and shifting power. Join Dr. Jessica Moody and Dominic Bowen as they dive deep into the region’s unfolding humanitarian emergency. What does ECOWAS’s withdrawal mean for the people? How is Russian influence rewriting the rules? And why are jihadist groups gaining ground? From Bamak…
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In the third and final episode of our Agent Readiness series, NLW and Nufar Gaspar dive into how to identify, prioritize, and measure AI use cases inside your company. They break down a practical framework for evaluating opportunities, balancing growth and efficiency initiatives, and managing your AI portfolio like an investment strategy. Plus, the…
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Learn more about Advance Course (Master the Art of End-to-End AI Automation): https://multiplai.ai/advance-course/ Learn more about AI Business Transformation Course: https://multiplai.ai/ai-course/ Is your company’s next hire… an AI agent? This week, Federal Reserve Chair Jerome Powell quietly sounded the alarm: job creation is stalling—and AI is …
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A major new study from Wharton finds that three out of four enterprises are already getting positive ROI from their AI investments — a far cry from the doom-and-gloom narratives of failed adoption. NLW breaks down the findings: how GenAI has moved from curiosity to core workflow, what use cases are driving measurable returns, and why 2026 may be th…
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