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(Re)thinking insurance(Re)thinking insuranceThe nearshoring advantage: A life insurance case study from WTWIn this episode of (Re)thinking Insurance, Inna Kogan is joined by Marcela Abraham, Duncan Briggs and Shankar Raman to discuss nearshoring for life insurance companies.  Competition for talent and technological advances are leading companies to explore different ways for getting work done. One viable solution that has surfaced is nearshoring. The benefits of nearshoring range from streamlined time zones to cultural alignment. Challenges also arise, such as teams exhibiting resistance to change. This conversation draws from WTW’s own journey with their actuarial team in Mexico City.2025-07-0325 min(Re)thinking insurance(Re)thinking insuranceImproving performance in portfolio trading In this episode of (Re)thinking Insurance, WTW’s Anand Patel discusses with Will Archer Shuter, George Lewkowicz and Lewis Matthew the bifurcation of the specialty insurance market, focusing on portfolio underwriting and its growing importance.2025-07-0115 minTalk to me about A&ETalk to me about A&ECommunication and documentation – Cornerstone #3In Episode 41 of "Talk to Me About A&E," Dan Buelow, Managing Director for WTW A&E is joined by Mark Blankenship, Director of Risk Management for WTW A&E, for this discussion of the third cornerstone: communication and documentation. They discuss the importance of establishing and managing client expectations through effective communication practices, offering a range of examples and tips that can mitigate risk of costly claims and client disputes. 2025-06-2737 min(Re)thinking insurance(Re)thinking insuranceRapidly evolving landscape of health insurance In this episode of (Re)thinking Insurance, WTW’s James Haybyrne and Jess Plewes burn dive into the evolving world of health insurance. From rising medical costs and the shift to proactive healthcare models, to the impact of AI, digitization, and changing customer expectations, they explore how insurers can adapt. The topics they cover include personalization, data-driven insights, public-private dynamics, and strategies to engage younger audiences. Listen now for a fresh perspective on the future of health insurance.2025-06-0924 min(Re)thinking insurance(Re)thinking insuranceBuilding a high performance insurance culture In this episode of (Re)thinking Insurance, Frank Schepers, WTW’s Global Leader, Insurance Consulting and Technology and Sina Thieme, Senior Director, Insurance Consulting and Technology, explore the impact of technology and innovation on the insurance industry, particularly in risk modelling, data analysis, and distribution channels. This wide-ranging discussion also probes the challenges and opportunities of closing the insurance gap and the evolving role of capital in the insurance market.2025-06-0528 minTalk to me about A&ETalk to me about A&ENegotiating insurable contracts – Cornerstone #2In Episode 40 of "Talk to Me About A&E," Dan Buelow, Managing Director for WTW A&E is joined by Mark Blankenship, Director of Risk Management for WTW A&E, for a discussion on allocating risk by contract, which is the second cornerstone of managing design professional risk. The episode delves into the importance of contractual risk management and how it can help design professionals mitigate potential liabilities. 2025-05-1439 minGeopolcastGeopolcastUnderstanding the economic ripple effects of tariffs on tradeIn this episode host Sam Wilkin is joined by David Hoile, WTW’s Global Head of Asset Research and Ian Watts, WTW’s Trade Credit Growth Leader to discuss the ever-changing tariff landscape. We understand the effects of tariffs on global trade, which sectors are most at risk and how credit insurance can protect your business. 2025-05-0627 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreIntégrer la QVCT au cœur de la stratégie RHDans ce nouvel épisode, notre responsable Prévention et Bien Être chez WTW, Géraldine Guimaraes accueille la responsable ressources humaines du Groupe Cap Santé, Naomie Steward, pour échanger sur sa vision de la Prévention et du Bien Être ainsi que sur les actions mises en place auprès des salariés des cliniques du groupe. Ensemble, elles illustrent, à travers des exemples concrets, les défis liés à la mise en place d’actions en faveur du Bien-Être, en particulier dans un environnement complexe impliquant plusieurs structures.2025-04-2527 minGlobal Insurance Marketplace InsightsGlobal Insurance Marketplace InsightsGlobal Marketplace Insights Q1 2025 – Aviation & SpaceIn this episode of the Global Marketplace Insights podcast by Willis, a WTW business, Ed Louth and Becky Chapman discuss the current state of the aviation insurance market.2025-04-1009 minTalk to me about A&ETalk to me about A&ERisk identification and evaluation – Cornerstone #1In this Talk to Me About A&E podcast, Dan is joined by Mark Blankenship, Director of Risk Management for WTW A&E for this discussion on risk identification and evaluation.  This is the first in a four-part series on the four cornerstones of managing design professional risk and addresses important “go no-go” considerations and risk mitigation strategies every design firm should consider specific to client selection factors, project selection factors, project team evaluation and contracts.2025-04-0342 min(Re)thinking insurance(Re)thinking insuranceTalking Tech special: (Re)thinking automated model monitoring and insight generationDescription: Charlie Samolczyk is joined by Pardeep Bassi and Tim Rourke to discuss the importance of monitoring model health, and how Radar Vision, WTW's automated monitoring tool, is helping to address this problem for insurers. 2025-03-1125 min(Re)thinking insurance(Re)thinking insuranceTalking Tech special: (Re)thinking automated model monitoring and insight generationCharlie Samolczyk is joined by Pardeep Bassi and Tim Rourke to discuss the importance of monitoring model health, and how Radar Vision, WTW's automated monitoring tool, is helping to address this problem for insurers. 2025-03-1025 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreParcours de soin et cancer : le rôle clé du second avis médicalPour cet épisode, notre responsable Prévention et Bien Être chez WTW, Géraldine Guimaraes reçoit Patricia Rigaud, Fondatrice de CancerConsult, pour aborder l'importance du second avis médical dans le parcours des personnes atteintes de cancer. Ensemble, elles mettent en lumière le rôle clé que joue le second avis pour les patients, en leur permettant de mieux comprendre leur diagnostic, d'explorer d'autres options de traitement, et de prendre des décisions éclairées concernant leur santé.2025-02-0618 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreAccompagner les collaborateurs atteints de maladies chroniquesPour cet épisode, notre responsable Prévention et Bien Être chez WTW, Géraldine Guimaraes accueille Marie-Pierre Gamby Marsallon, Fondatrice de CareGiver Conseil et du Serious Game, pour aborder un sujet sensible mais essentiel : le retour en entreprise des collaborateurs fragilisés par une maladie chronique, et notamment le cancer. Cette discussion explore les multiples défis auxquels font face les employés touchés par la maladie, mais aussi leurs collègues et managers. Ensemble, elles mettent en lumière des stratégies concrètes pour les employeurs, afin de transformer cette période difficile en un parcours d...2025-02-0619 minTalk to me about A&ETalk to me about A&EAI risks and guidelines for design professionalsIn this Talk To Me About A&E podcast, we review the recently released ACEC Guidelines on the use of AI by Design Professional Firms.  Dan Buelow is joined by Mark Blankenship, Director of Risk Management for WTW A&E and co-chair of the sub committee on AI for the ACEC Risk Management Committee.  Dan and Mark discuss the inherent risks of AI when it comes to the design profession and important guidelines firms can adopt in managing this evolving technology – specifically: Governance and Approval Process; Sources and Tools and Guidelines for Practice.2025-01-3125 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreSoft skills : comment favoriser son épanouissement professionnel ?Pour le premier épisode de cette nouvelle saison, notre responsable Prévention et Bien Être chez WTW, Géraldine Guimaraes accueille Chloé Dautrey, fondatrice de BEYOU Coaching. Ensemble, elles adoptent une approche du bien-être centrée sur les soft skills, ou compétences douces, en mettant l'accent sur l'importance de la connaissance de soi dans le milieu professionnel. 2025-01-2036 minThe EndgameThe EndgameClaims. Consequences. Mistakes. Misconduct. Josh Begner (WTW) | 003English episode: From mistakes to misconduct, we get the data on where M&A transactions go south after closing - and why it hurts so bad for both buyers and sellers. Insurance, of course, is there to help clean up the mess. But as a founder, how do you prevent those terrible mistakes in the first place?Taking us into the world of breaches and risk is THE guy who brought M&A insurance to Israel 5 years ago, Josh Begner of WTW, (NASDAQ: WTW).In our latest episode, we came for the tea...2024-11-3054 minThe Future of InsuranceThe Future of InsuranceMagda Ramada, Global Insurtech Innovation Leader, WTW (Live from ITC) Magdalena is a Senior Director and Global InsurTech Innovation Leader at WTW’s Insurance Consulting and Technology (ICT). She leads ICT’s inorganic growth strategy as well as its interaction with the external insurtech ecosystem globally. She joined the firm as a Senior Economist at Watson Wyatt’s Research and Innovation Center in 2005. She has 20+ years of experience in R&D and international strategy consulting and was WTW’s Global Head of Research and Analytical Services. Magda holds a M.Sc. in math. Finance and a PhD in Quantitative Economics and Finance. She also holds a professional certificate on Innovati...2024-11-1920 minThe Future of InsuranceThe Future of InsuranceMagda Ramada, Global Insurtech Innovation Leader, WTW (Live from ITC) Magdalena is a Senior Director and Global InsurTech Innovation Leader at WTW’s Insurance Consulting and Technology (ICT). She leads ICT’s inorganic growth strategy as well as its interaction with the external insurtech ecosystem globally. She joined the firm as a Senior Economist at Watson Wyatt’s Research and Innovation Center in 2005. She has 20+ years of experience in R&D and international strategy consulting and was WTW’s Global Head of Research and Analytical Services. Magda holds a M.Sc. in math. Finance and a PhD in Quantitative Economics and Finance. She also holds a professional certificate on Innovati...2024-11-1920 minRisk Management: Brick by BrickRisk Management: Brick by BrickTransforming Insurance: The Future of Externalized Rating and Underwriting with Laura Doddington of WTWOn the latest episode of Risk Management: Brick by Brick, Jason Reichl is joined by Laura Doddington from WTW, discussing innovation in insurance technology and data intelligence.In this episode, Jason and Laura explore externalized rating and underwriting, the evolution of data analytics in insurance, and how technology is transforming customer experience in personal lines insurance.To find out how TrustLayer manages risk so that people can build the physical world around us, head to TrustLayer.io.Podcast Host: Jason ReichlExecutive Producer: Don HalliwellEpisode Highlights:00:00...2024-11-1310 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreLes fondamentaux de l’ostéopathie et ses bienfaits en entrepriseDans ce quatrième épisode, notre responsable Prévention et Bien-Etre chez WTW, Géraldine Guimaraes, accueille Yoann Chenault, Ostéopathe D.O sur Paris et Orléans. Ensemble, ils discutent des principes fondamentaux qui régissent la pratique de l'ostéopathie, le rôle préventif de cette pratique sur la santé des français, et les bienfaits qui peuvent en découler lors de sa mise en place en entreprise, notamment sur les notions de gestes et postures. 2024-10-2822 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreVision du bien-être et leviers majeurs au sein d’une organisationDans ce cinquième épisode, notre responsable Prévention et Bien-Etre chez WTW, Géraldine Guimaraes, accueille Caroline Bettini, Directrice des Ressources Humaines du Groupe Coopératif Vivadour. Ensemble, elles discutent de la vision du bien-être en entreprise et des leviers majeurs qui peuvent être activés pour améliorer la qualité de vie au travail.   2024-10-2837 min(Re)thinking insurance(Re)thinking insuranceAdvanced analyticsIn this episode of the (Re)thinking Insurance podcast, Scott Gibson is joined by Laura Doddington and Lauren Finnis to explore advanced analytics in the insurance industry. They discuss findings from WTW’s recent advanced analytics survey, highlighting how nearly 50 North American P&C insurers are leveraging analytics. Despite strong leadership commitment, progress has stagnated since 2021 due to IT bottlenecks and data challenges. The discussion covers practical applications of machine learning in document processing and risk assessment, and identifies areas where analytics can enhance operations, such as claims management and distribution strategies. The speakers emphasize the need fo...2024-08-1225 minThe Political Risk PodcastThe Political Risk PodcastSam Wilkin: Charting a system in decline; WTW's Political Risk IndexWTW’s Political Risk Index analyses patterns in the world’s most vulnerable countries. Its latest report charts the decline of the rules-based international order, with all that that entails for peace, democracy, free trade and cross-border investment. Sam Wilkin, WTW’s director of political risk analytics, oversees the index, as well as a political risk survey, and a predictive model, to project what may happen next and advise clients navigating geopolitical volatility.2024-07-3130 min(Re)thinking insurance(Re)thinking insuranceWTW global IFRS 17 study – part 2: Analyst surveyIn the second of two special episodes focused on WTW’s global IFRS 17 study, Kunj Maheshwari is joined by Kamran Foroughi and Anshul Garg to examine the results of WTW’s recent insurance analyst survey. They explore the responses from analysts - both sell and buy side, equity and debt – on aspects of IFRS 17 the analysts liked, did not like and wanted to improve; as well as how IFRS 17 affected their decision making. This episode also discusses the differences seen across various regions and geographies and finally shares some key takeaways for those insurers adopting later on the im...2024-07-2324 min(Re)thinking insurance(Re)thinking insuranceWTW global IFRS 17 study – part 1: Disclosure AnalysisIn the first of two special episodes focused on WTW’s global IFRS 17 study, Kamran Foroughi is joined by Teresa Murphy and Urvi Nagda to examine key findings from the global disclosure analysis for the full year 2023. In addition to sharing how the analysis of the disclosures for 89 insurers and reinsurers globally was conducted, they explore key takeaways, and provide their perspectives of what actions organisations should be taking moving forwards.2024-07-1715 minSocial Media Slang 101Social Media Slang 101WTW: What does it mean on Instagram? | Ep. 35"WTW"—an abbreviation that might appear straightforward yet holds varied interpretations depending on context. In this episode, Aria unravels the multiple meanings of WTW, exploring its use from casual check-ins to deeper inquiries into one's status or activities. How does WTW facilitate communication on Instagram? What does its usage reveal about the communicator's intentions? Listen as we dissect the function and flexibility of WTW in social media language.2024-07-1202 minEvolution Exchange UKEvolution Exchange UKEvo UK #106 - In Conversation With David Smith - Associate Director, Nat Cat & Climate Risk - WTWJoin host Andy Davis as he speaks with David Smith, Associate Director, Nat Cat & Climate Risk at WTW. In this insightful episode, David delves into the complexities of managing natural catastrophe and climate risk. Learn about the innovative strategies WTW employs to address climate challenges and how businesses can adapt to an evolving risk landscape. David shares his expertise on climate risk assessment, offering valuable insights for professionals in risk management and insurance. Don't miss this engaging discussion on the future of climate risk solutions.2024-07-0216 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreSanté mentale : une démarche holistique de l'employeurPour ce troisième épisode, notre responsable Bien-Etre et Prévention chez WTW, Géraldine Guimaraes accueille Lauriane Amico, Employee Relation & Change Senior Manager chez Christian Louboutin. Ensemble elles discutent de l'importance de la prise en compte de la santé mentale en milieu professionnel et des initiatives mises en place chez Christian Louboutin pour favoriser le bien-être des employés. Lauriane partage des stratégies concrètes et des approches holistiques visant à créer un environnement de travail inclusif et bienveillant, tout en abordant les défis et les bénéfices de ces initiatives.2024-06-1937 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreRéussir sa semaine de la Qualité de Vie et de la Santé au TravailDans cet épisode, notre responsable Prévention et Bien-Etre chez WTW, Géraldine Guimaraes accueille Benoit Stoven, Responsable Prévention Santé chez Bouygues Télécom. Ils abordent notamment les enjeux de la mise en place d'une démarche de QVCT en entreprise et l’attrait de la semaine annuelle dédiée à des actions concrètes https://www.wtwco.com/fr-fr/insights/2024/03/soutien-et-prevention-cancer?utm_source=youtube.com&utm_medium=social&utm_content=Cultivons le Bien-Etre & la Prévention&utm_campaign=&utm_term=2024-05-2823 minLes clés du Bien-ÊtreLes clés du Bien-ÊtreSoutien et Prévention CancerPour ce premier épisode, notre responsable Bien-Etre et Prévention chez WTW, Géraldine Guimaraes accueille Hélène Goasdoué, Responsable QVT et Handicaps chez Transdev. Elles reviennent sur la manière dont un employeur peut accompagner ses salariés touchés par le cancer. https://www.wtwco.com/fr-fr/insights/2024/03/soutien-et-prevention-cancer?utm_source=youtube.com&utm_medium=social&utm_content=Cultivons le Bien-Etre & la Prévention&utm_campaign=&utm_term=2024-05-2839 minLeadership & Life ChatLeadership & Life ChatS8 Ep2 The war on talent rages on! The impact of the Great Resignation, with Steve Jacobs from WTWIn a world of quiet quitting and the ‘Great Resignation’, what should employers be doing to keep their best people?  This week Mark chats to Steve Jacobs, a director at WTW, to discuss the importance of employee benefits and how to navigate the ever-changing trends in the workplace.  With the shift in employee expectations post COVID-19, and a focus on flexibility and work-life balance, they look at the differences between employer and employee perspectives on what constitutes a ‘benefit’ now and, in particular, what employees sometimes value above money. They discuss diversity and inclusion, global difference...2024-03-2152 minwywiadownia gospodarczawywiadownia gospodarczaMagdalena KLUCZEK | WTW | WOM&AN - kobieca sieć wsparciaMagdalena Kluczek | WTW | WOM&AN - kobieca sieć wsparciaDyrektor działu Ubezpieczeń Fuzji i Przejęć w firmie WTW. Posiada ponad 6-letnie doświadczenie w branży M&A, specjalizując się w rozwijaniu i zarządzaniu ubezpieczeniami ryzyk transakcyjnych Jest współzałożycielką stowarzyszenia WOM&AN, które wspiera kobiety w osiąganiu pełnego potencjału w tej dziedzinie. Skończyła studia w obszarze prawa fuzji i przejęć. Główne obszary kompetencji Magdaleny to rozwój biznesu, zarządzanie kluczowymi klientami i procesami plasowania ubezpieczeń.W nowej rozmowie dla Wywiadowni Gospodarczej opowiedziała nam:Jak zacząć karier...2024-03-0940 minTalk to me about A&ETalk to me about A&EWhat’s Your Liability IQ? Part IIIn Part II of this podcast series on What’s Your Liability IQ? Dan Buelow continues his discussion with two former DPIC claim managers, Laura Gualiardo, Managing Director of Design Professional Liability Claims for Travelers, and Mark Blankenship, Director of Risk Management for WTW A&E.  Dan, Laura and Mark review a number of questions from the DPIC Liability IQ and discuss current trends on a wide range of issues challenging design professionals including risks specific to stamping drawings, defining and managing scope and client expectations, documentation, contract formation, limiting liability, etc.  A fun listen for all levels of staf...2024-03-0731 minWith The WindWith The WindWITH THE WIND WITH DR. PAUL - PODCAST; Exciting Changes to WTW Programming: Bi-Weekly Episodes and New Segments Ahead!LISTEN WTW viewers,We are excited to announce changes to our programming schedule that will bring you even more engaging and diverse content! Starting 2/07, our beloved show, WTW, will transition from a weekly schedule to a bi-weekly format. This change is designed to accommodate Dr. Paul's new weekly segment on Good Morning CHD, which we are thrilled to introduce to our lineup. The next WTW episode will be our Valentine's Day special on Wednesday, 02/14.​ At WTW, we [...]2024-03-0602 minConstruction Blueprints PodcastConstruction Blueprints PodcastThe use of Naloxone as a potential life saving practice in the construction industrySome construction sites might falsely believe that since narcotics are forbidden at the work site, this just simply shouldn't be a problem, or they might even think that having Naloxone might make people feel more of a sense of license that they can misuse narcotics at or near the workplace.  In this episode of Construction Blueprints, Jonathan Oppenheim, North America Regional Construction Leader, is joined by Jeff Levin Schurz, a Physician, Managing Director at WTW, and our North American Population Health Leader.  In the podcast, we explore the use of Naloxone as a potential life sa...2024-02-2914 minConstruction Blueprints PodcastConstruction Blueprints PodcastThe use of Naloxone as a potential life saving practice in the construction industrySome construction sites might falsely believe that since narcotics are forbidden at the work site, this just simply shouldn't be a problem, or they might even think that having Naloxone might make people feel more of a sense of license that they can misuse narcotics at or near the workplace.  In this episode of Construction Blueprints, Jonathan Oppenheim, North America Regional Construction Leader, is joined by Jeff Levin Schurz, a Physician, Managing Director at WTW, and our North American Population Health Leader.  In the podcast, we explore the use of Naloxone as a potential life sa...2024-02-2914 minCommercial Vehicle ProCommercial Vehicle ProS3: E26 - WTW 2024 Preview - Jim Press, Senior Advisor WTS and Kathryn Schifferle CVO WTSKathryn Schifferle, CVO of Work Truck Solutions and Jim Press, Senior Advisor, Work Truck Solutions discuss the possibilities and benefits of the upcoming Work Truck Week 2024 and Green Truck Summit and give a teaser for their Workshop Session at the show and Work Truck Solutions Evening Event on Thursday March 7th 2024.Work Truck Week (WTW) and Green Truck Summit (GTS) Conference Package registrants have access to all WTW Breakout Sessions, as well as on-demand material following the event (WTW24 Planner required for on-demand access). Schedule is subject to change. All events take place at Indiana Convention Center...2024-01-3109 minTalk to me about A&ETalk to me about A&EWhat’s Your Liability IQ? Part IFor this podcast, Dan Buelow has a lively discussion on the DPIC liability IQ with some former DPIC claim managers, Laura Gualiardo, Managing Director of Design Professional Liability Claims for Travelers and Mark Blankenship, Director of Risk Management for WTW A&E. The DPIC liability IQ test was based on DPIC’s Lessons in professional liability written over 25 years ago. Dan’s discussion with Laura and Mark offers some keen insights into a wide range of critical risk management issues still facing architects and engineers today.2024-01-3037 minRepensez vos politiques de rémunérationRepensez vos politiques de rémunérationPharmaceutique - 2024 Découvrez les défis liés à l'inflation, aux talents spécifiques et aux préoccupations ESG, tout en explorant les dynamiques salariales, les fusions et acquisitions, ainsi que les perturbations de la chaîne d'approvisionnement. Nos expertes détaillent les résultats de l'enquête WTW Pharmaceuticals and Health Sciences en France, révélant une hausse moyenne de 3,2% des salaires de base en 2023, avec des analyses approfondies sur les bonus, l'intéressement et la participation. 2024-01-3007 minTalk to me about A&ETalk to me about A&EEmerging contract issuesIn this lively podcast discussion, Dan Buelow addresses four specific emerging contract issues design professionals face: withholding of fees, retaining ownership of documents, informed consent and getting named as an additional insured on the general contractor’s general liability policy. Dan is joined by Lou Gale, General Counsel for the Chicago based architecture firm, SCB and Mark Blankenship, Director of Risk Management for WTW Architects and Engineers.2024-01-0848 minWelfare breakWelfare breakS.1 - EP.2 - Welfare aziendale e benefit: quali sono i nuovi trend? Lo abbiamo chiesto a WTWQuanto e come le aziende stanno programmando piani welfare? Su cosa si concentrano e da dove partono per delineare un'offerta? Quali sono le strategie benefit che influenzano l'attrazione di talenti? Cosa è emerso dall'ultima "Benefits Trends Survey WTW 2023"? Ha risposto a queste ed altre domande Teresa Mallardi, Senior Consultant di WTW (Willis Towers Watson) – player internazionale nella gestione del rischio e del brokeraggio assicurativo, leader globale nella consulenza riferita alle risorse umane, nonché uno dei primari operatori in ambito welfare aziendale in Italia.2023-12-2011 minGeopolcastGeopolcastThe effects of geopolitical shifts on supply chains In this episode of Geopolcast, Elisabeth Braw, senior fellow at the American Enterprise Institute, discusses the interplay of supply chains and geopolitics with, Enrico Savio, Managing Director of Leonardo International and, Frederick Gentile, WTW’s Director of Risk Engagement.  In the complex world of supply chains, geopolitical shifts are creating disruption, causing ripples across industries. These shifts are affecting the availability, cost, and reliability of essential goods and services worldwide.2023-12-1131 minGeopolcastGeopolcastThe dynamics of Geopolitics and China In this episode of Geopolcast, Elisabeth Braw, senior fellow at the American Enterprise Institute, navigates the complex dynamics between Geopolitics and China with, Orville Schell, the Director of the Center on US & China Relations and, David Hoile, Global Head of Asset Research at WTW. We reflect on the journey China has taken since the 70’s and explore China’s ever-evolving Geopolitical landscape, understanding how worsening relations are impacting Western companies and the operational repercussions this is having organisations.2023-12-1129 minGeopolcastGeopolcastThe effects of geopolitical shifts on supply chains In this episode of Geopolcast, Elisabeth Braw, senior fellow at the American Enterprise Institute, discusses the interplay of supply chains and geopolitics with, Enrico Savio, Managing Director of Leonardo International and, Frederick Gentile, WTW’s Director of Risk Engagement.  In the complex world of supply chains, geopolitical shifts are creating disruption, causing ripples across industries and affecting the availability, cost, and reliability of essential goods and services worldwide.2023-11-1531 minGeopolcastGeopolcastThe dynamics of Geopolitics and China In this episode of Geopolcast, Elisabeth Braw, senior fellow at the American Enterprise Institute, navigates the complex dynamics between Geopolitics and China with, Orville Schell, the Director of the Center on US & China Relations and, David Hoile, Global Head of Asset Research at WTW. We reflect on the journey China has taken since the 70’s and explore China’s ever-evolving Geopolitical landscape, understanding how worsening relations are impacting Western companies and the operational repercussions this has on organisations.  Disclaimer (US sites only) WTW offers insurance-related services through its appropriately licensed and authorised companies in each...2023-11-1529 minConstruction Blueprints PodcastConstruction Blueprints PodcastThe importance of protecting your intangible assets as part of the construction project lifecycleHistorically, the construction industry has been behind compared to other industries in terms of embracing technology. But things are changing, and construction companies are starting to utilize technology in a variety of different ways and creating their own intellectual property, their own solutions, leveraging technology in a variety of different ways. By definition, intangible assets are those that are not physical in nature, or identifiable, and can be bought and sold independently of the owner. In this podcast, we discuss a first party product that is meant to ensure the intangible assets themselves and the specific intangible...2023-11-0834 minConstruction Blueprints PodcastConstruction Blueprints PodcastThe importance of protecting your intangible assets as part of the construction project lifecycleHistorically, the construction industry has been behind compared to other industries in terms of embracing technology. But things are changing, and construction companies are starting to utilize technology in a variety of different ways and creating their own intellectual property, their own solutions, leveraging technology in a variety of different ways. By definition, intangible assets are those that are not physical in nature, or identifiable, and can be bought and sold independently of the owner. In this podcast, we discuss a first party product that is meant to ensure the intangible assets themselves and the specific intangible...2023-11-0834 minGeopolcastGeopolcastThe power and pitfalls of sanctionsSanctions have emerged as an instrument in the toolbox of Western governments. The effectiveness of sanctions, however, remains a subject of debate, with experts trying to gauge their impact on the targeted countries and their repercussions on Western corporations.  A standout example illustrating the complex dynamics of sanctions and geopolitics is the ongoing case of Russia. This situation holds exceptional significance due to the unparalleled breadth of sanctions imposed and Russia's status as a prominent global player and a member of the UN Security Council. This case highlights the interplay between geopolitics and sanctions on a global s...2023-10-1233 minGeopolcastGeopolcastThe geopolitical implications of climate changeThis summer we saw Europe experience an unprecedented heatwave, the worst heatwave since records began. Added to this, we have seen an increasing number of devastating wildfires, and Beijing has seen its worst flooding in 140 years. Not only is the impact of climate change causing devastation in countries ranging from Ethiopia to Pakistan, but the further implications of climate change will also create secondary challenges including poor harvests and migration flows. The UN predicts 1 billion people will be displaced by climate change by 2050, with 10% of those moving to areas of the world not affected by climate change...2023-09-2735 minGeopolcastGeopolcastThe rising risk of cyber threatsThe more educated citizens and companies have become about Cyber threats, the more advanced the threats have become. Today, the threats have progressed from traditional scam emails to the ever-increasing presence of ransomware attacks, testing the resilience of larger organisations. Ransomware is now a prime example of business development in the criminal world, mostly innovation around gaining money from people. With this, underwriters are increasing the pressure to ensure companies are protecting themselves; not only their defence, but also their resilience and recovery when targeted. In some instances, businesses are able to convert back to offline processing...2023-09-2732 minGeopolcastGeopolcastThe importance of geopolitics in the boardroomThe past couple of months have seen the Russian operations of two well-known global businesses seized by the Russian government, even though both companies were already trying to exit Russia. Such cases in Russia dramatically highlight the challenges corporate boards are facing. With regards to operations in China, a new survey of German companies operating in China found that 55% plan new investments there, that's down from 72% three years ago. 58% blame poor market conditions, 44% blame geopolitical tensions and 28% blame China's economic policies targeting self-reliance, for example Made in China 2025.[1] WTW's 2023 Political Risk survey showed that Russia and China n...2023-09-2724 minTalk to me about A&ETalk to me about A&EManaging Design Risk in a Hybrid Work EnvironmentDan Buelow talks to Clark Davis, Partner and Principal Consultant with Cameron MacAllister, respected advisors to architecture and engineering firms. Clark and his group were recently commissioned by WTW A&E to conduct an industry wide survey of design firms across the United States about the impacts of remote/hybrid work on design and technical quality in design practice. Dan and Clark review the results of this nationwide survey from the input of over 200 design firms. 2023-07-2634 minAIRROC\'s The Legacy LifeAIRROC's The Legacy LifeSandra Santomenno and Eric Pince - WTWWe’re talking to Sandy Santomenno and Eric Pince from WTW this week. Sandy is the soon-to-be retired Senior Director in charge of the legacy liabilities space at WTW which includes asbestos, environmental and health hazard claims. We’re glad we caught her before she left! And Eric is currently transitioning into the Senior Director role. In this episode, we talk about the future of the legacy space, including how there’s an ongoing need for creative thinkers and people interested in learning how to use cutting edge technology such as AI and machine learning. “It’s a dynamic s...2023-07-2615 minTalk to me about A&ETalk to me about A&EWhy We No Longer Stamp Shop Drawings Part IIDan Buelow continues his discussion with Dale Muhall, Director of Construction Phase Services for LEO A DALY. Part I of this two-part podcast series on shop drawings reviewed Dale’s AIA Best Practices article “Why We No Longer ‘Stamp’ Shop Drawings,” and the misconceptions, risks and errors surrounding basic construction administration procedures. In part II, Dan reviews a series of questions raised by design professionals on this same topic during a recent WTW A&E webinar with Dale.2023-06-2320 min(Re)thinking insurance(Re)thinking insuranceESG Special: How climate conditions impact both insurers’ present day and future riskFaced with the challenges and risks of climate change and a warming planet, insurers have strong foundations in place with the catastrophe models developed over recent decades. But the forecasting horizons of such models tends to be quite short. So, as an industry, we need to be thinking about how we better project the potential longer-term effects on exposures, underwriting and investment strategy, taking into account not only physical risks, such as severe storms, but also the transition and liability risks of climate change. In this episode of (Re)thinking Insurance, Sina Thieme is joined by David S...2023-05-1922 minTalk to me about A&ETalk to me about A&ECyber risk alert: Fraudulent funds transferWTW A&E has seen a recent rise in claims from design professional firms related to fraudulent fund transfers and rogue employees. Dan Buelow talks to two experts concerning this disturbing trend to get some advice on what firms need to do to mitigate this significant and pervasive risk. What is the standard of care of a design firm and what can firms do to mitigate this risk? Tara Albin, Midwest Region Cyber Leader and Liz Caldwell, Cyber Claims Leader from the WTW Cyber Group help us answer this question and share some claims stories as well as very...2023-04-2632 minCure for the Common Co.Cure for the Common Co.AndHealth: Reversing migraine and autoimmune conditions with behavioral and clinical care40 million people in the US suffer from chronic migraine, yet there are only 2,000 headache specialists to care for those living with this condition. In this episode, WTW’s Steve Blumenfield and Andre Burkholder speak with Matt Scantland about how AndHealth provides a new kind of specialized care, becoming the patient’s main health provider and addressing the root cause of the issue through clinical discovery, coaching, and support.2023-04-0346 minConstruction Blueprints PodcastConstruction Blueprints PodcastMental wellbeing in the construction industryWe are delighted to launch the WTW Construction Blueprints podcast series and have dedicated our first episode to mental health in the industry. Did you know that the number one reason people don’t seek help is because of stigma and fear of judgement by peers? Mental health should be a priority across all industries, but due to the nature of the construction sector it ranks as the second highest in suicide rates among major industries. Traditional industry risk control efforts focus entirely on physical loss and greatly ignore mental health. Safety professionals in the construction industry can create an...2023-04-0334 minConstruction Blueprints PodcastConstruction Blueprints PodcastMental wellbeing in the construction industryWe are delighted to launch the WTW Construction Blueprints podcast series and have dedicated our first episode to mental health in the industry. Did you know that the number one reason people don’t seek help is because of stigma and fear of judgement by peers? Mental health should be a priority across all industries, but due to the nature of the construction sector it ranks as the second highest in suicide rates among major industries. Traditional industry risk control efforts focus entirely on physical loss and greatly ignore mental health. Safety professionals in the construction industry can create an...2023-04-0334 minTalk to me about A&ETalk to me about A&ECaptives: Some questions answeredDan talks to Charlie Woodman, Senior Director of Risk Finance & Analytics for WTW Construction, about Captives as an alternative risk transfer solution for design professionals.2023-02-0128 minTalk to me about A&ETalk to me about A&EEmerging Claim Trends in the Design ProfessionDan talks to Mark Blankenship, Director of Risk Management for WTW A&E, about the results of a recent WTW A&E industry survey of Senior Claim Managers from 12 leading A&E professional liability insurance carriers on emerging risk and claim trends in the design profession. Dan and Mark discuss the causes for the rise in severity claims against design firms, the inherent risks associated with specific project types and disciplines - and the emerging risks that are most concerning to the panel of claim experts that participated in this survey. In addition to a review of the results to...2023-01-0650 minCure for the Common Co.Cure for the Common Co.KardiaComplete: Making heart health personal through proactive technology and clinical supportKardiaComplete is putting the spotlight on heart disease, the leading cause of death for men and women in the United States. WTW’s Steve Blumenfield and Siupo Becker speak with Archana Dubey about how AliveCor is transforming cardiovascular care via KardiaComplete, a comprehensive heart health enterprise solution, designed to drive improved health outcomes and reduce the cost of cardiac care by addressing established disease and reducing the risk of disease progression.2022-12-0848 minThe Claim HuntersThe Claim Hunters10 - Communicating the Everchanging Marketplace with WTW's Teresa CarmodyYour host, Chris Tidball, talks with team leader at WTW, Teresa Carmody. WTW provides data-driven, insight-led solutions in the areas of people, risk and capital that make your organization more resilient, motivate your workforce, and maximize performance. They work directly beside you, bringing diverse points of view and a deep commitment to your success.To learn more about WTW, click here.If you'd like to be a guest on Insurance Claims Innovation, click HERE.2022-10-0519 min(Re)thinking insurance(Re)thinking insuranceEmerging mortality experience in U.S. individual life insuranceCarrie is joined by Boyang Meng and Kim Steiner to explore the findings and trends from TOAMS 5, WTW’s life insurance industry mortality study.2022-08-0418 minCure for the Common Co.Cure for the Common Co.Joshin: Changing disability and neurodivergence support in the workplace1 in 5 people worldwide have a neurodiverse diagnosis resulting in different ways of thinking, processing, and communicating, but 80% of product and customer experiences don’t work for people with these needs. WTW’s Steve Blumenfield and Rebecca Warnken sit down with Melissa Danielsen to discuss how Joshin is closing the gap for the neurodiverse and disabled communities through tech-enabled specialized care, support, and education.2022-07-1345 minBenefits, with Purpose!Benefits, with Purpose!Joshin: Changing disability and neurodivergence support in the workplace1 in 5 people worldwide have a neurodiverse diagnosis resulting in different ways of thinking, processing, and communicating, but 80% of product and customer experiences don’t work for people with these needs. WTW’s Steve Blumenfield and Rebecca Warnken sit down with Melissa Danielsen to discuss how Joshin is closing the gap for the neurodiverse and disabled communities through tech-enabled specialized care, support, and education.2022-07-1345 minWTWWTWRunway 34, Chandramukhi, Mishan Impossible, Star Trek: Strange New Worlds Update: WTW-EP 15What to Watch, your one stop junction of Upcoming releases on Theater, OTT Platform and Special Events.2022-05-0102 minCure for the Common Co.Cure for the Common Co.Spring Health: Reimagining mental health solutions through data-backed careWhat if the guesswork was taken out of the mental health care journey? With the continued rise of mental health conditions, there has never been a greater need for advancement in this space. WTW’s Steve Blumenfield and Erin Terkoski Young talk with April Koh about how Spring Health is delivering a new approach to personalized psychiatry using data potentially revolutionizing access to quality mental health care and the effectiveness of treatment.2022-04-2752 minIB TalkIB TalkWTW tech expert discusses broker career and industry’s IT challengesBrent Lehmann is a broker for WTW but in his spare time he’s a career adviser. The WTW general manager of Commercial and Affinity helps AFL footballers and other sporting professionals transition to successful post-playing day careers. With IB Talk, Lehmann shared insights from more than two decades in the insurance industry. He also discussed his appreciation for technology and the marriage that can exist between brokers and the world of high tech.2022-04-1427 minCure for the Common Co.Cure for the Common Co.Brightline: Bringing pediatric mental health into focusNearly one in five children in the U.S. have a mental, emotional or behavioral health problem in any given year, but only 20% are receiving care. Shortages in child and adolescent mental health care are severe, but Brightline is changing that. WTW’s Steve Blumenfield and Siupo Becker talk with co-founder and CEO Naomi Allen about how her company is helping employers support the children of parent-employees and, in turn, how that’s improving the wellbeing of employees.2022-03-2153 minThe Voice of InsuranceThe Voice of InsuranceEp 112 Alastair Swift WTW: We can grow exponentially in SpecialtyToday’s guest is a broking veteran known across the London Market and beyond. Alastair Swift is Head of Corporate Risk and Broking for Global Lines of Business at WTW as well as CEO of Willis Limited. Recently new WTW CEO Carl Hess has spoken about his desire for the group to get some of its swagger back and I think this interview could mark the beginning of that process for the firm. Following the damaging twists and turns of the Aon merger saga of the past two years and the eventual sale of...2022-02-2239 minMoney Maze PodcastMoney Maze PodcastWillis Towers Watson: Adviser on over $2.6 trillion of assets. A conversation with Luba Nikulina, Managing Director and Global Head of Research at WTWSign up to our newsletter for more in-depth insights | Follow us on LinkedIn In today’s conversation Luba Nikulina talks about an upbringing that began in Lithuania, then part of the USSR, and her route to joining Willis Towers Watson (WTW), the leading global advisory firm with 45,000 employees globally, and where she has spent the last 17 years. The discussion begins with WTW’s investment approach,  a perspective on how strategic and tactical asset allocation have evolved and why Luba believes it is increasingly helpful to think more in terms of allocating risks, than portfolio construction via t...2022-01-1353 minThe PODfolioThe PODfolioAsset Class Mini-Series: Private EquityBen Leach and Joseph Bassey-Duke, senior members of WTW's Private Markets Solutions team talk about private equity investments. Companies are increasingly choosing to stay private these days, given the ready availability of private funding and greater freedom to pursue a long-term vision. We discuss the opportunities for generating enhanced returns, and the mechanics of getting into (and exiting) these investments.2021-06-2529 minWatching the Watchers with Robert Gouveia Esq.Watching the Watchers with Robert Gouveia Esq.Nick Rekieta joins WTW! Critical Race Theory Legislation Battle, FBI Responds to Pipeline HackNick Rekieta with Rekieta Law joins Watching the Watchers to discuss the latest legal news. Critical Race Theory legislative warfare rages throughout the country as we review the battlefield. FBI responds to a digital pipeline hack that has U.S. security researchers concerned. And more! Join criminal defense lawyer Robert F. Gruler in a discussion on the latest legal, criminal and political news, including:​• Nick Rekieta of Rekieta Law joins Watching the Watchers! ​• Subscribe Nick at https://www.youtube.com/channel/UCbkjX3E0IhuUfPzL0FjSPaw Follow Nick on Twitter @RekietaMedia!​• Washington Governor Jay Inslee signs bill mandati...2021-05-111h 37The PODfolioThe PODfolioChinaLiang Yin, Director, China Manager Research at Willis Towers Watson discusses the possible paths for US-China geopolitics and continued globalisation – how might these forces shape our future, and what size of allocation to Chinese investments is sensible as a result? Paul Colwell, Senior Director and Head of the Advisory Portfolio Group Asia at WTW, then goes into the practical aspects of investing in China – is now the right time, is China the right place, and who are the right people to do it for you? In this episode, we will cover the major opportunities and risks (and some Chinese prov...2020-11-2636 minRevista FranquiaRevista FranquiaSoluções de comunicação: WTW DigitalWTW digital  entrevistado: Osvaldo Morales @wtw_digital2020-10-2706 minCure for the Common Co.Cure for the Common Co.Paid time off and paid leave during the crisis, COVID-19 edition.COVID-19 forced employers to think about and make changes to paid leave, paid time off and disability programs and policies — employee benefits that haven’t changed very much in the past decade. Willis Towers Watson experts Alex Henry and Rob McGee talk with Steve Blumenfield and Julie Stone to address the challenges and opportunities employers must consider regarding these programs both today as well as for the future.2020-07-2422 minCure for the Common Co.Cure for the Common Co.Testing and contact tracing as part of your workplace strategy, COVID-19 editionAs employers move toward reopening the workplace, vendors in the testing and contact tracing space are emerging every day. Steve Blumenfield and Julie Stone talk with Paul Matthews about what employers should look for in testing options, which vendor offerings may be on the horizon, and the best way to manage the overall employee experience as workforces emerge from stay-at-home orders.2020-07-1726 minCure for the Common Co.Cure for the Common Co.The pandemic’s impact on behavioral health care and delivery, COVID-19 editionThe pandemic, sheltering in place, social distancing, feelings of isolation: All have had an impact on the emotional and mental health of employees at every level of the organization. Willis Towers Watson’s Mandie Conforti and Steve Blumenfield talk about how employers can address what employees are feeling while working within the limits of the current behavioral health marketplace. Hear real-world examples and get ideas for how you can support the mental wellbeing of your talent.2020-06-2523 minMilli Walk TalkMilli Walk Talk#WTW Jesus + TherapyOn this weeks #WTW Destiny Monee comes and shares her testimony about her mental health battle and how God is walking with her through it. Her journey has lead her to create her new album "Evolve" that released on Juneteenth. Check it out https://music.apple.com/us/album/evolve/1517256068  As always, If you are interested in joining us for a Classic, Testimony, or Wisdom Wednesday episode please email or DM us! Happy Listening! Destiny IG: @destiny_monee IG:milliwalktalkpodcast Website: milliwalktalk.com2020-06-2419 minMilli Walk TalkMilli Walk Talk#WTW Answered Prayers#WTW - Word of their Testimony Wednesdays are here!! God has placed it on our hearts to open the platform for millennials to share their testimony. The bible says in Revelations 12:11 that we overcome by the blood of the lamb and the word of our testimony and MWT wants to walk that out. On this episode Armani gives her testimony on how God had answered prayers over the last couple months. Happy Listening!! If you’re interested in joining us to share your testimony please email or DM us.  IG: @milliwalktalkpodcast Twitter: @mi...2020-06-1721 minCure for the Common Co.Cure for the Common Co.Chronic condition management for vulnerable populations, COVID-19 editionCOVID-19 has added a new layer of vulnerability for employees and dependents who are managing chronic conditions like diabetes, heart disease, hypertension and other health issues. Willis Towers Watson thought leaders Jan Wuorenma, Kara Speer, Julie Stone and host Steve Blumenfield discuss the specialized issues these populations face and share ideas about the support systems and tools employers can provide to help these populations keep their health issues in check.2020-06-1728 minCure for the Common Co.Cure for the Common Co.Re-imagining employee communications, COVID-19 editionWhether your workforce is still primarily disbursed or you’re preparing to re-open your worksites, COVID-19 has created a new set of employee communications challenges that require a nuanced and targeted approach. Lindsay Stortz, Julie Stone and host Steve Blumenfield discuss innovative approaches you can take to ensure your messages reflect sensitivity and awareness of different employee populations’ needs. Also, hear how this crisis has created an opportunity to temporarily — or permanently — look at how you reach employees.2020-06-0820 minAYOAYO PODCASTAYOAYO PODCASTEpisode#11 Bertato belum tentu badgirl ft.WTWCewek bertato memang kenapa? Ada masalah? Disimak agar pemikiran kita sedikit luas dan paham betul. Kali ini kita bareng mbak WTW (@Wtwulandarii) salah satu dari 5 orang yang LUMAYAN dengerin&nyimak ayoayo squad podcast. Eeeeaaaaaa 😅. Intro song : Shaggy Dog - Ditato2020-05-3051 minCure for the Common Co.Cure for the Common Co.Supporting employees in a work-from-home environment, COVID-19 editionThe forced work-from-home environment that employers and employees are living in because of COVID-19 has taken the challenge of caregiving to a new level. In this episode, Willis Towers Watson thought leaders share their insights about child-care support, elder-care support and overarching family-care support. Get a more comprehensive understanding of the issues, learn how leadership can make an enormous difference for your people, and pick up some tips and tools to help those caring for others.2020-05-2826 minCure for the Common Co.Cure for the Common Co.In the trenches with employee benefits, COVID-19 editionMarco Diaz, Senior Vice President, Global Head of Benefits at News Corp, talks with Mark Hope, Senior Director in Willis Towers Watson’s Health and Benefits Consulting business, and Cure for the Common Co. host Steve Blumenfield about how News Corp’s employee benefits team has been managing — and succeeding — through COVID-19. Hear how a strong foundation of employee benefits has led to rapid adoption of telemedicine options, the ways that communication has improved at every level, and how News Corp is preparing to bring employees back to physical worksites by leveraging risk stratification.2020-05-1932 minWomen That Wait (WTW)Women That Wait (WTW)Digging Deep Part 2This episode picks up on the conversation about what Christian single men really want from a Christian single woman in a relationship. Tune in to hear all the golden nuggets of wisdom dropped and don't forget your "insurance buckets."2020-05-0751 minWomen That Wait (WTW)Women That Wait (WTW)Digging Deep Part 1This episode our guest provides valuable wisdom about the desires of single Christian men. Get your "insurance buckets" ready because we're digging deep into a lot of issues surrounding Christian men and women and why connecting with one another seems to be such a challenge.2020-04-2352 minWomen That Wait (WTW)Women That Wait (WTW)Interview with the Talented Tenth PodcastThe tables have turned and this time we're in the hot seat answering questions. Listen to the interview with the Talented Tenth podcast as we discuss the journey that led Women That Wait to begin. You may even recognize the interviewer from seasons one and two!!!2020-03-1433 minWomen That Wait (WTW)Women That Wait (WTW)Worth The WaitThis episode's guests are veterans when it comes to Christian marriage. The couple on deck candidly share prudent dating advice that they've accumulated over the years and encourage our listeners that waiting for a godly spouse is worth it.2019-11-2834 minWomen That Wait (WTW)Women That Wait (WTW)While You're Waiting...Tune in to our third episode of season two as our guest drops some knowledge on what to look for in a Christian man and other noteworthy tips for Christian singles waiting to find a godly spouse. 2019-10-311h 01Women That Wait (WTW)Women That Wait (WTW)Are You Still WaitingWe're checking in with a guest from season one to follow up on his waiting journey and see what new developments have occurred. 2019-10-0343 minWomen That Wait (WTW)Women That Wait (WTW)I See You Waiting...Season 2 has officially started with its first episode " I See You Waiting..." Tune in to hear valuable dating knowledge from our guest who has a lot to say on the current Christian dating climate. 2019-09-1954 minWomen That Wait (WTW)Women That Wait (WTW)The Marathon Continues...This episode features a guest who is seasoned in the Christian waiting game. Tune in to listen to her discuss her lengthy wait for a godly husband. 2019-07-1123 minWomen That Wait (WTW)Women That Wait (WTW)Let's Get PhysicalThis episode discusses the sensitive topic of physical appearance and the impact it has on the Christian dating scene.  It's a tough topic to talk about and this episode just scratches the surface. 2019-06-2717 minWomen That Wait (WTW)Women That Wait (WTW)From A Man's Perspective (Part 2)This episode picks up from Part 1 of Episode 3 where our special guest sheds some more light on Christian dating from a man's point of view. 2019-06-1322 minWomen That Wait (WTW)Women That Wait (WTW)From A Man's Perspective (Part 1)This episode explores the perils of Christian dating from a man's point of view. Our special guest discusses his challenges in finding a godly counterpart. 2019-05-2920 min