Longtime Atlantic tech, culture and political writer Derek Thompson cuts through all the noise surrounding the big questions and headlines that matter to you in his new podcast Plain English. Hear Derek and guests engage the news with clear viewpoints and memorable takeaways. New episodes drop every Tuesday and Friday, and if you've got a topic you want discussed, shoot us an email at [email protected]! You can also find us on tiktok at www.tiktok.com/@plainenglish_
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Plain English Podcasts
The best podcast for learning English if you like current events and trending topics. Improve your English listening, learn new words, and build your confidence with the #1 English-learning podcast focused on current events and trending topics. Improve your English listening: Plain English episodes go a little slower than native speed so you can understand every word and improve your English listening little by little. Your host is Jeff. He's a native English speaker from the United States a ...
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Economics and politics explained in plain English
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A daily 5-min podcast explaining the most important finance and business happenings in plain English. India focused.
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Whether you’re a law student, an undergraduate considering law school, or a lifelong learner, join me as we demystify the law — one concept at a time. We break down complex legal principles into plain English, making the law accessible for everyone.
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Peter St Onge, Ph.D economist explains news on the economy in plain English and why it matters.
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The Plain English Finance podcast is hosted by Tré Bynoe CFP® CIM®, a financial planner with TCU Wealth Management and Aviso Wealth. While Tré specializes in working with families with more complicated finances, typically involving corporations and trusts, this podcast is for anyone wanting to learn how to make high-quality decisions based on evidence, to give themselves the highest likelihood of financial success. You should always consult with your financial, legal, and tax advisors before ...
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One of the “most helpful plain-English resources for investors who want to demystify exchange-traded funds” – Bloomberg BusinessWeek
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Splento.ai Podcast is for marketers, business owners, and creative decision-makers who want to stay ahead of the curve in AI-generated video and marketing content. Each episode breaks down the latest news, trends, tools, and real-world use cases in plain English - so you don’t need a technical background to understand how AI is transforming visual storytelling.
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A teacher podcast for busy educators—about 10 minutes, every week. Stay current on artificial intelligence in education (plain English), edtech, and what matters in the classroom: culture, instruction, assessment, digital health and wellness, and more. Simple ideas you can use right away. Hosted by AP Computer Science teacher Vicki Davis (Cool Cat Teacher)—author and longtime edtech blogger—this teaching podcast features best-selling teachers, researchers, and in-the-classroom administrators ...
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Welcome to Silent Mode Cafe, the podcast where we translate the digital realm into plain English. From data privacy and basic internet security to smart home gadgets and the latest AI developments, we serve up tech insights with a side of caffeine.
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We live in a world that often forgets the invisible war raging behind the visible. The Bible warns “we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world In plain english our struggle isn’t just with corrupt people or broken systems, but with spiritual forces working through them. And that's what we will be looking into. Lets Go!
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Technical concepts discussed in plain English
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New podcast weblog Next Level Mac makes Apple gear simple, powerful, and personal. Plain-English how-tos, smarter workflows, and gear picks that improve daily use across Mac, iPhone, iPad, Watch, and Home. Hosted by Reagan Allen
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Every day, we explore the world of crypto and blockchain in one minute and in plain English.
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Benson on Injury Law is a podcast that cuts through the confusion and exposes how personal injury cases really work. Hosted by Wisconsin attorney Paul Benson, each episode breaks down the legal process in plain English—from insurance company tactics to settlement strategies and courtroom realities. Paul shares real stories, practical advice, and insider tips to help injured people protect their rights, recover fair compensation, and navigate the legal system with confidence.
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Photography stuff explained in plain English by me, Rick, in less than 27(ish) minutes without the irrelevant details. I explain one photographic thing per episode, providing just enough information to help you understand it, improve your photography and take better photos, all without delving into endless, irrelevant details. I am a professionally qualified photographer based in the UK and amongst other things I help photographers take better photos. If you want me to answer your question, ...
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Learning English? Master these Essential English Expressions and you’ll be on your way to speaking English like a native speaker. In each episode, you’ll learn one English expression. Each episode will help you express a new idea in English, so you can use what you learn right away. The narrator is Jeff, a native English speaker from the United States. And in each episode, he shows you step-by-step how to use one English expression, with tips and tricks on how to sound like a pro. The best p ...
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Probate Problems and Practical Solutions is a podcast from Copper Ren Law that helps Arizona families navigate probate, guardianship, and conservatorship with confidence. Hosted by firm founder Carly Whiteside, the show breaks down complex legal topics into practical, plain-English guidance. Each episode shares real-world insights, helpful checklists, and compassionate strategies for managing life’s toughest transitions. Whether you’re planning ahead or already in the middle of a probate cas ...
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The Jack Law podcast helps you understand your rights after an accident, injury, or storm. If you've been hurt in a car crash, slip and fall, or your home was damaged by hail or wind, you're in the right place. We break down personal injury and storm damage claims in plain English, no legal jargon, just real advice you can use. Our goal is to help you protect yourself, deal with insurance companies confidently, and get the compensation you deserve. Subscribe for easy-to-follow content on wha ...
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An award-winning retirement podcast dedicated to helping you lower taxes, invest smarter, and make work optional. Do you want to avoid overpaying the IRS in retirement? Or learn how to prepare for the next stock market crash? How about when to take Social Security and how to turn your investments into reliable retirement income? Hey there! I'm CERTIFIED FINANCIAL PLANNER™ Taylor Schulte, and I was recently named the #2 Independent Financial Advisor in the U.S. by Investopedia. Each week on t ...
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Five-time winner of Best Education Podcast in the Podcast Awards. Grammar Girl provides short, friendly tips to improve your writing and feed your love of the English language. Whether English is your first language or your second language, these grammar, punctuation, style, and business tips will make you a better and more successful writer. Grammar Girl is a Quick and Dirty Tips podcast.
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The Disruptors™ is the podcast where we rethink how business works in the digital age. Created for leaders in manufacturing, wholesale, and industrial sectors, we unpack how to boost profits, scale smarter, and build long-term business value through PSV Thinking™ — a practical approach to digital transformation. Each weekly episode (30–45 minutes) features insights from the team at Intuji and real-world examples from digital projects that have reshaped how businesses operate. We take complex ...
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Web3 in Plain English. So much of the tech content explains Web3 with buzz words and overlong articles that make no sense. This podcast will explain practical Web3 use cases that are easy to understand.
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Media and tech aren’t just intersecting — they’re fully intertwined. And to understand how those worlds work, and what they mean for you, veteran journalist Peter Kafka talks to industry leaders, upstarts and observers - and gets them to spell it out in plain, BS-free English. Part of the Vox Media Podcast Network.
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Chiropractic Science gets the word out about chiropractic research. Chiropractors, patients and the public will learn about chiropractic research from the experts who are doing the research. You'll get the information in plain English, not through the media, nor a middleman. The podcast is also intended to motivate and assist the chiropractor and student to pursue research careers in chiropractic science!!!!
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How It Works IRL breaks down how systems, products, and ideas really function in the real world—what works, what fails, and why it matters. Expect practical, plain‑English explainers with real‑world examples, trade‑offs, and field stories across tech, design, business, and everyday life. New episodes weekly with concise takeaways listeners can apply immediately. Subscribe to get clear answers, no bluff.
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Listen to hear Jonny break down the tips, tricks, and strategies he uses to help clients retire early. This is the "easy button" when it comes to early retirement because everything you want and need to know is right here. Jonny will lay it all out in plain English so you can get the details on the actions you can do to put yourself on the best path to early retirement. He'll also interview top real estate, tax, and estate planning and other professionals to provide a comprehensive approach ...
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Reserve Military Retirement . . . In Plain English.
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Self-employed and chasing the dream of home ownership? This podcast lifts the lid on how contractors can land a mortgage without the 9-to-5 safety net. We unpack the wins, the roadblocks, and the smart strategies that make lenders say yes — all in plain English, with a dash of humour and a lot of insider know-how
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This is the tech world’s daily stand-up: we skim the chaos and hand you the “so what” in under 15 minutes (our guarantee to busy founders). No fluff, a few laughs, then back to building. Caya is a startup founder, YouTube host (and confused capitalist). Kevin Casey White is a stand-up comedian who likes to hate on the tech that might replace him. We break down startups, AI, and money moves into plain-English, founder-ready takeaways—part quick explainer, part honest POV, part group-chat banter.
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The life of a criminal from early beginnings to life on the right side of the law. We take a deep dive into true crime stories and real prison experiences.
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Learn about copyright law in plain english. Brought to you by the staff of www.ResearchCopyright.com
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Locum life comes with freedom — but also a few financial hurdles. This podcast lifts the curtain on how locum surgeons can successfully navigate the mortgage maze. From proving income to finding the right lender, we break down the process, the perks, and the pitfalls in plain English. Real insights, expert tips, and a touch of fun to help you turn shifts into keys — and contracts into homes.
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In-depth interviews with songwriters about their songwriting process. Nothing else. No talk of band drama, band names, or tour stories. Treating songwriters as writers, plain and simple. By Ben Opipari, English Lit Ph.D.
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Learn powerful and profitable high-ROI marketing tips from Tim Cameron-Kitchen, founder of the relentlessly high-impact digital marketing agency, Exposure Ninja. Visit https://exposureninja.com/podcast for show notes and links.
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Art/Science/Self improvement
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Rich Life Plan is a podcast where money advice isn't condescending, confusing, or built for people who already have six figures in the bank. Hosted by entrepreneur and investor Gokce Donat, this podcast is your no-BS guide to building true wealth, shifting your mindset, gaining confidence, and finally getting good with money: one goal and one plan at a time. Each episode is bite-sized, actionable, and grounded in real life, featuring expert insights and honest conversations with people you w ...
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Watts Up in Solar is your go-to weekly podcast for everything solar—from rooftop installs to remote troubleshooting and everything in between. Hosted by Emmitt Muckles—solar trainer, consultant, and all-around energy expert—this show breaks down the tech, talks real-world solar issues, and helps you stay plugged into what matters most in solar energy. Whether you’re a homeowner thinking about going solar or a solar pro looking to sharpen your skills, each episode delivers something for you: ...
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Monthly Microsoft 365, Teams and Copilot updates for end users, trainers and anyone who needs to keep up with changes affecting end users. These hand-picked highlights are mainly from the admin centre, Microsoft 365 Roadmap (I call these ‘ones to watch’) and Microsoft blogs…thank you to the Microsoft product teams for the information, updates and images they share. I aim to deliver my versions in plain English, in a simplified format and with end-users in mind.
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Truth Seekers: Where Data Meets Reality Tired of sensational headlines and conflicting health advice? Join Alex Barrett and Bill Morrison as they cut through the noise to uncover what scientific research actually says about the claims flooding your social media feed. Each week, Alex and Bill tackle a different health, nutrition, or wellness claim that everyone's talking about. From "blue light ruins your sleep" to "seed oils are toxic," they dig into the actual studies, examine the methodolo ...
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Shir Hashirim (Song of Songs) is an allegory of the relationship between Hashem and the Jewish People written by King Solomon. The first Chabad Rebbe, Rabbi Shneur Zalman of Liadi, delivered chassidic discources on verses throughout Shir Hashirim, which were later recorded and published in his famed work, "Likkutei Torah" in 1848 by his grandson, the Tzemach Tzedek. Here for the first time, we present these discourses explained in plain English, easy-to-digest, 30-40 minute classes, covering ...
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UX has a usability problem. Chris and Carla are on hand to help you navigate through the jargon, user flows and mind maps so you can concentrate on designing great things for users. **Disclaimer** The views on this podcast are ours and don’t represent the views of any former or current employers or clients.
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A short summary of the latest cyber security news and trends, from the perspective of business leaders and owners. Hosts Trish and Tom provide plain English explanations along with practical advice to keep your business safe and secure from cyber crime and disruption. For cyber security help and advice, speak to Cool Waters Cyber: www.cool-waters.co.uk
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We're opening up the archives to repeat episode 223 from January 2020, just before COVID-19 halted air travel. Enjoy! -- In between economy class (in the back) and business class (in the front), airlines have created a new class of service called "premium economy." This is aimed at travelers who will pay a little more for some extra space, but can'…
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A Grand Unified Theory of Cultural Stagnation
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58:51One of my favorite theories about the modern world is the idea that culture is "stuck." Whether the decline of ornamentation in modern architecture, or the fact that every corporate logo looks the same now, or the fact that Gen Z's favorite television was all made in the 1990s and 2000s, or the sequel fetish in Hollywood, or the theory that old mus…
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Ep. 26 | Investing Basics: Understanding Risk
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42:13In this episode of Plain English Finance, Tré Bynoe, CFP®, CIM® breaks down the foundations of smart investing. Joined by Sierra, he walks through the same conversation he has with every new client — what “risk” really means, why most people misunderstand it, and how to build a portfolio that matches both your goals and your comfort level. Tré expl…
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Product Liability: When Your Toaster Becomes A Defendant
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11:30Send us a text In this explosive episode of Law School in Plain English, we break down product liability—the law that decides who pays when everyday products fail in catastrophic ways. From exploding soda bottles to flaming hair spray, defective cars, and billion-dollar talcum powder verdicts, we take you from the basics all the way to real-world c…
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In today’s episode on 28th November 2025, we explain why the famous short seller is going short on AI when everyone is going bullish on AI stocks. Click here to register
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Rob Drummond on languaging and our fluid speaking identities
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18:36In this bonus conversation with Rob Drummond from back in June, he and I get into the fascinating concept of "languaging" — the idea that speaking is an active process we use to constantly shape and project our identities. Rob explains how our "speaking identities" are incredibly fluid, changing based on context, audience, and even the language we'…
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"Happy Thanksgiving (Yes, Even the Jerks)": Wisdom from Warren Buffett
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19:12The Oracle of Omaha is officially "going quiet." In a rare and deeply personal announcement, Warren Buffett published what appears to be his final press release to shareholders. This episode isn't about taxes, investing, or the latest market headlines. It's about how one of the most successful investors of all time is thinking about money, family, …
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💰 Black Friday: Get 2 free months of Plain English
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2:19Black Friday is here, and Plain English is ready to support your English learning with a great introductory offer: Join Plain English Plus+ today and get 3 months for the price of 1! In three months with Plain English, you can: ** Lose the fear of speaking by joining up to 9 live Zoom calls with Jeff & JR ** Learn to express your ideas with in-dept…
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“I’m a ‘go in phases’ type of gal. It took me a year and a half to write this record, but it came in blocks,” Gatlin says. It’s how she manages her routine in those blocks that makes her songwriting process so fascinating. Gatlin is most effective between 3pm and 5pm, and thanks to a typing class she took as a child, she can type those lyrics at 95…
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In today’s episode on 27th November 2025, we tell you how Japanese tyre-maker Sumitomo Rubber secured legal approval for a rose-scented tyre as a trademark — something no one had managed before in India. And why this unusual win could open the doors for a whole new category of sensory trademarks in the country. 30 minutes is all it takes to secure …
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Do You Really Need a Lawyer for Storm Damage? What Homeowners Must Know Before Filing a Claim
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13:03When storm damage hits your home or RV, knowing whether you need a lawyer can save you time, money, and frustration. Attorney Chris Jackman breaks down when you should handle the claim yourself and when hiring a lawyer is the smart move. Learn how insurance companies evaluate damage, why they deny coverage, what bad faith looks like, and how Washin…
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Why I Started an ABS Law Firm: A New Model for Arizona Probate
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15:48Episode Summary In this debut episode, Carly shares the story behind launching Copper Ren Law—the first woman-owned ABS law firm in the U.S. She talks about her journey from a paralegal at the State of Arizona to becoming a law firm owner, why she chose the Alternative Business Structure model, and how she’s changing the way probate and guardianshi…
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Do Fruit Flies Live Forever? Why Animal Fasting Studies Don't Prove Human Longevity
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15:12Breaking news claims intermittent fasting is the secret to living longer, but what if those dramatic headlines are based on fundamentally flawed science? This episode dives deep into the gap between sensational wellness claims and actual research. We expose how studies on fruit flies and microscopic worms have been dramatically misinterpreted as pr…
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What Happens To Media When The Web Goes Away, with Tony Haile
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39:09We built the modern media business for the web — for people who visited websites, read articles, and saw ads. What happens when no one does that anymore? That’s been one of the big themes of conversations we’ve been having on Channels with this year — with people who run big and small media properties, and with people who are trying to build media …
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What have the scientists ever done for us?
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26:07Australian scientific discoveries improve people’s lives and made the economy more productive – so why is the CSIRO being forced to shed workers again? On this episode of Follow the Money, Matt Grudnoff and Ebony Bennett discuss the latest job cuts at the CSIRO, why this is a missed opportunity as researchers leave the United States, and why scienc…
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In today’s episode on 26th November 2025, we break down India’s biggest labour reform in 75 years, and what it actually means for your job, your salary, and your employer. 30 minutes is all it takes to secure your family's future with Ditto's expert insurance advice. Book a FREE call today and we promise no spam or forced selling.…
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Inside Aptus’s Launch of the Lowest-Cost Buffer ETFs
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58:19JD Gardner, Founder of Aptus Capital Advisors, goes inside the decision to launch the lowest-cost buffer ETFs and the outsized role investor behavior plays in long-term returns. Stacey Morris, Head of Energy Research at VettaFi, spotlights the latest leaders and laggards in energy ETFs and what could drive the sector in the months ahead.…
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VettaFi’s Stacey Morris on Energy ETF Leaders, Laggards, and What’s Driving the Sector
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20:42Stacey Morris, Head of Energy Research at VettaFi, spotlights the latest leaders and laggards in energy ETFs and what could drive the sector in the months ahead.By Nate Geraci
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Inside Aptus’s Launch of the Lowest-Cost Buffer ETFs
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31:22JD Gardner, Founder of Aptus Capital Advisors, goes inside the decision to launch the lowest-cost buffer ETFs and the outsized role investor behavior plays in long-term returns.By Nate Geraci
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From DIYer/RV solar to whole-home backup — EG4’s glow-up explained
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15:01Send us a Text to Watts Up Solar Podcast! At InterSolar Texas 2025, I caught up with John Tostanoski from EG4, and we went deep on where the brand is headed next. EG4 built its name on making solar accessible – RVs, off-grid cabins, and DIY systems that regular people could actually understand and install. Now they’re stepping into a much bigger ar…
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The sinful fork (and other dinner-table surprises)
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14:491136. This week, we go full Thanksgiving, talking about the origin of butter knives, forks, and more. You'll love all the tidbits you can share with your family or friends during dinner. 🔗 Share your familect recording via Speakpipe, by calling 833-214-4475 (or via WhatsApp chat.) 🔗 Watch my LinkedIn Learning writing courses. 🔗 Subscribe to the new…
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In today’s episode on 25th November 2025, we explain how sugary drinks are finally banned from calling themselves ORS and why it took so long for the ban to finally be implemented on all energy drinks, ready-to-serve drinks and electrolyte beverages. 30 minutes is all it takes to secure your family's future with Ditto's expert insurance advice. B…
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Ozempic Face: Is Your Drug Aging You, or Is Rapid Weight Loss?
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8:37A sensational health headline claims GLP-1 weight loss drugs like Ozempic cause 'premature aging' with hollowed, saggy faces. But what if the real story is dramatically different? This episode unravels the truth behind 'Ozempic face,' exposing how a catchy term invented by a cosmetic dermaturer has transformed normal weight loss effects into a medi…
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The hot new trend is an ice-cold bath [archive]
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13:10Today's episode is one from the archives, originally number 583. Enjoy! -- Cold plunges are the new health trend championed by high-fliers and ordinary people alike. By submerging yourself water that's 15 degrees Celsius (or colder!), you can manage stress, reduce muscle soreness, improve your concentration, and more, advocates say. Full lesson: ht…
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The 5 Step Brain Hack: Turn Fear to Momentum
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7:49This episode will change the way you think forever. We’re diving into the real reason most of us stay stuck. This episode breaks down the science to how fear holds you back and how to move forward anyway. There is also a surprising story you won't want to miss. We explore the connection between your brain, your beliefs, and your behavior and how ps…
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Ep 148 Weekly Roundup: Inflation is Crushing Repubilcans
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18:39Roundup of the Week's Top Stories in Economics and Freedom Inflation is Crushing Republicans Trump to kick out Migrants on Welfare Europeans Funding US Riots Blue Collars are Drowning The Fed Turns Inflationary Read the full article "The Fed Flips to Inflationary" at https://www.profstonge.com/ Visit our Sponsor: Monetary Metals Earn 5% to 12% inte…
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How To Dominate AI Search Results in 2026 (Complete Strategy)
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22:30You already know your customers are using ChatGPT, Perplexity and AI Overviews to research buying decisions. The strategic question is: how do you ensure your brand is the one being recommended? In this episode, I walk through the five-step framework we use at Exposure Ninja to get clients recommended by AI tools — the same approach that's driven m…
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In today’s episode on 24th November 2025, we look at why India doesn’t have a sovereign wealth fund*, why some people think Life Insurance Corporation of India (LIC) already behaves like one, and why the truth is a lot trickier. 30 minutes is all it takes to secure your family's future with Ditto's expert insurance advice. Book a FREE call today a…
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Your iPhone Is Hiding A SECRET Button: Here's How To Reveal It
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6:22Learn how to use your iPhone's secret button feature to assign actions to double- and triple-taps on your phone. Blaine Locklear walks through the Settings path, shows popular shortcuts (camera, flashlight, screenshots, accessibility tools, and more), and highlights new iOS 26 additions. Get the Next Level Mac app: https://www.mextlevelmac.app Offi…
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Suing the Insurance Company: Understanding Wisconsin’s Direct Action Statute
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13:30Episode Summary: Attorney Paul Benson breaks down Wisconsin’s unique Direct Action Statute and explains why filing a lawsuit after an accident doesn’t mean going after someone personally. He shares how this law allows injury victims to sue insurance companies directly, why it helps juries stay fair, and how it protects relationships between friends…
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Does Metformin Sabotage Your Workout? The Study Headlines Won't Tell You
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14:33A deep dive into a 2025 study about metformin's interaction with exercise. Explore how sensationalist headlines misrepresent scientific research by claiming the medication 'sabotages' workouts, when the actual research shows only a modest reduction in exercise adaptations—not an elimination of benefits. A quick note—the opinions and analysis shared…
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The University of California San Diego is one of the best public colleges in America. So it was fairly shocking when the school released a report on the steep decline in academic preparedness of its freshman. The number of incoming students in need of remedial math has surged in the past few years. These students did not fail high school math. Many…
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Send us a text On this episode: Larry Summers bails after Epstein emails hit the fan. Meta spies on your work with AI performance reviews. WhatsApp mess: 3.5B accounts exposed, oops. TikTok gives badges for good behavior. Bezos launches secret AI beast “Prometheus”. AI Pretends It’s Human. Spoiler: Not Great. Crypto Thief Gets Mercy… Sort Of. The b…
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The Photographer's Eye: See a Great Photo Before You Take It
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28:23Send us a text Ever wonder why some photographers spot amazing shots everywhere while you're standing in the same place seeing nothing? 👀 They're not lucky—they've trained their photographer's eye, and you can too! Host Rick McEvoy reveals the exact skills that separate snapshots from photographs. Learn to see light, composition, and decisive momen…
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Understanding the economics behind India’s egg prices
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9:34In today’s Finshots, we take you on a tour of India’s egg industry and explain how the eggs many of us consume are priced. Seats are filling fast, so click here to register while seats last.
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"I made a conscious effort on this album to be more disciplined in my writing because my ideas were getting stale and I was writing from the same place," Mariel Buckley told me. "I realized that my material was becoming repetitive when I was waiting for inspiration to strike." Buckley's new process involved writing every day and writing from a more…
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Multitasking Resurrection: iPadOS 26.2 Fixes Drag & Drop Chaos
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10:17In episode 8 of the Next Level Mac Podcast, host Blaine Locklair explains how iPadOS 26.2 restores the familiar, intuitive multitasking experience by bringing back drag-and-drop functionality. Learn how to enable windowed apps, Stage Manager, and slide-over mode, plus tips for resizing, arranging, and closing windows and the minimum iPad models sup…
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Today's story: Parkrun is a free, volunteer-run event that takes place every Saturday morning in parks around the world. Participants run, jog, or walk a 5K route, and the focus is on community, health, and fun—not competition. What started with just 13 runners in London has expanded to over 23 countries. Transcript & Exercises: https://plainenglis…
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Why print dictionaries still matter, with Peter Sokolowski
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35:311135. This week, we talk with Peter Sokolowski, editor at large at Merriam-Webster, about the new print 12th Collegiate Dictionary. We look at why print still matters, how the dictionary used lookup data to decide which words to drop (least looked-up compounds), and the importance of serendipity when researching words in a physical book. Find Peter…
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The S&P 500 Trap: Why the "Safe" Choice Is Actually Risky for Retirees
19:27
19:27
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19:27"Just buy the index." It's the simple advice that built your wealth and got you to the finish line. But here's what often gets overlooked: The strategy that got you to retirement won't necessarily keep you there. When you switch from saving to spending, the math changes. Suddenly, relying on a "simple" S&P 500 strategy exposes you to risks that did…
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