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☆ France 3 United States 0: Olise and Lacazette show class, Mihailovic nearly scores Olympic wondergoal
▼ + stars: | 2024-07-24 | by ( Jeff Rueter | Greg O'Keeffe | ) www.nytimes.com time to read: +9 min

Greg O’KeeffeHow do United States build on this? With the group favorite in the rearview, the United States now has 180 minutes remaining to make its case for a spot in the knockout rounds. AdvertisementUndoubtedly, the United States needs to be more confident when going forward. As it stands, most of the players from this defeat will have to shake off the result and focus on getting things back on track for the United States. United States play New Zealand on Saturday in Marseille, before finishing Group A with a match against Guinea in Saint-Etienne on Tuesday.

Persons: Thierry Henry’s, Alexandre Lacazette, Marko Mitrovic, Michael Olise, Loic Bade, Jeff Rueter, Greg O’Keeffe, Olise, Tanner Tessmann, Gianluca Busio, John Todd, Guillaume Restes, Djordje Mihailovic, John Tolkin, Paxten Aaronson, Mihailovic, Diego Luna, Cole Bassett, Gregg Berhalter’s USMNT, Brad Smith, rance, ouble, l ead, lise up to, kel, Aaron, Brin, Booth, Bey, howe, cori, Wiley, elia, le in hi, ake Organizations: France, Marseille, Former Arsenal, Bayern Munich, Sevilla, Guinea, Marseille … Young U.S, Getty, New, MLS, Chicago Fire, Mitrovic, AZ, Colorado Rapids, Toulouse, Premier League, Bundesliga, Adv, Uni, G Locations: States, U.S, New Zealand, Marseille, Olise, France, Guinea, United States, Netherlands, Crystal, France’s

☆ Investors want Fed cuts to be proactive rather than reactive, says JPMorgan's Gabriela Santos
▼ + stars: | 2024-07-23 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailInvestors want Fed cuts to be proactive rather than reactive, says JPMorgan's Gabriela SantosGabriela Santos, JPMorgan Asset Management chief markets strategist for the Americas, joins 'Squawk Box' to discuss the latest market trends, state of the economy, regulatory outlook, and more.

Persons: JPMorgan's Gabriela Santos Gabriela Santos Organizations: Investors, JPMorgan Asset Management

Gavin Newsom of California, had previously said he would not challenge Ms. Harris. He often rambles incoherently in interviews and at campaign rallies and has confused names, dates and facts just as Mr. Biden has. Mr. Biden consistently maintained that his experience was an advantage, enabling him to pass landmark legislation and manage foreign policy crises. He maintained that he was the Democrat best equipped to defeat Mr. Trump given that he did so in 2020. On the international front, Mr. Biden revitalized international alliances that frayed under Mr. Trump, rallying much of the world to stand against Russia’s unprovoked invasion of Ukraine.

Persons: Biden, Kamala Harris, Donald J, Trump, ”, Mr, Ms, Harris, “, it’s, I’ve, Kamala, —, Gretchen Whitmer, Gavin Newsom, pollsters, Franklin, Lyndon, Ketanji Brown Jackson, Israel, Benjamin Netanyahu, Biden’s, James K, Polk, James Buchanan, Rutherford B, Hayes, Lyndon Johnson, John F Organizations: Sunday, Trump, Democratic, Democratic Party, Gov, Mr, Democratic National Convention, Senate, Democrat, White, Roosevelt’s, Society, Supreme, Republican, Republicans, Hamas Locations: Michigan, California, Chicago, Europe, County, Delaware, Ukraine, Israel, Gaza, Rafah, Afghanistan, Kabul, U.S, Vietnam

☆ As the RNC ends, swing states’ efforts to fight misinformation ramp up ahead of the election
▼ + stars: | 2024-07-20 | by ( Shania Shelton | ) edition.cnn.com time to read: +12 min

“2024 is the first American presidential election year at this intersection of election-related mis- and disinformation and the rapid growth of AI generated content. Misinformation spread rapidly through Pennsylvania during the 2020 election as the swing state faced baseless allegations about voting in Pennsylvania, perceived unfairness toward Republican poll-watchers and violations of election rules. Sabir said the misinformation fighting efforts will target voters where they are, including social media, billboards and radio ads. Fontes was recognized in May for his office’s work creating election security tabletop training exercises aimed to protect the state’s election infrastructure. Bellamy said it’s critical to fight misinformation going into this election, and elections are gaining a lot of negative attention.

Persons: CNN —, Ginny Badanes, Ashley O’Rourke, Badanes, O’Rourke, ”, it’s, Megan Bellamy, Donald Trump, Seth Bluestein, “ It’s, ” Bluestein, Omar Sabir, ” Sabir, Sabir, Lawrence Norden, Brennan, ” Norden, Adrian Fontes, Fontes, He’s, ” Fontes, Bellamy, it’ll, ” Bellamy, “, Alexander Kolodin, Kolodin, Katie Hobbs, David Edmonson, TechNet’s, ” Edmonson, Tony Evers, Adam Neylon, they’re, ” Neylon, Lia Holland, ” Holland, I’ve, Trump Organizations: CNN, Republican National Convention, Microsoft, State, Republican, Arizona, Arizona Republican, HB, Democratic, Wisconsin Gov Locations: Philadelphia, Pennsylvania, Atlanta , Milwaukee, In Arizona, Arizona, Wisconsin

☆ Forget the Magnificent 7: UBS just refreshed its 'Super 8' list of global stock picks
▼ + stars: | 2024-07-16 | by ( Amala Balakrishner | In Amala-Balakrishner | ) www.cnbc.com time to read: +4 min

But for those looking for alternatives, UBS has refreshed its list of "highest conviction and most investable" tech stocks in Asia. So far, UBS' Asian Super 8 has gained 8.3% since its inception in February, beating the 6.7% returned by the benchmark MSCI Asia-Pacific index. "We believe the valuation discount across the value chain in Asia's technology sector offers a defensive catch-up play for investors," UBS' analysts wrote. Tencent has been making headlines recently, with several analysts bullish, including Goldman Sachs , which included the stock in its conviction list. The company, which also goes by the name Foxconn, is expecting over 40% year-on-year growth in its AI server sub-segment this year, UBS' analysts noted.

Persons: Tencent, Goldman Sachs, Hon Hai Taiwan's, Hai, — CNBC's Michael Bloom Organizations: Apple, Microsoft, Nvidia, Tesla, UBS, Hong Kong Stock Exchange, U.S, Hai Precision Industry, Taiwan Stock Exchange, Lenovo Lenovo, Lenovo, Hong Kong Exchange Locations: Asia, China, U.S

☆ I've worked with college students for years. Parents should teach their college-bound kids these key life skills this summer.
▼ + stars: | 2024-07-15 | by ( Rachel Garlinghouse | ) www.businessinsider.com time to read: +4 min

Not only was it my job to teach students how to write a college-level essay, but I also found myself taking on another role. I involuntarily became a college student life coach of sorts. Mostly, they were ill-prepared to be a college student — yet their parents and teachers expected them to "act their age." Problem-solvingWhen in high school, many of my college students were used to Mommy or Daddy stepping in on their behalf, managing any issues that would arise. Once in college, students are suddenly expected to navigate their needs independently.

Persons: —, I'd Organizations: Service, Business

☆ Goldman's $2.8 trillion asset management arm says the S&P 500 will be 'flattish' for the rest of 2024. 5 places it says to invest your money instead.
▼ + stars: | 2024-07-14 | by ( Christine Ji | ) www.businessinsider.com time to read: +6 min

Don't expect the mammoth returns of the S&P 500 to continue this year, according to Goldman Sachs Asset Management's midyear investment outlook released last week. AdvertisementBut this doesn't mean that Goldman Sachs is expecting a severe downturn. Active management is more important now than ever, and Goldman Sachs recommends taking steps now to prepare for a lukewarm second half of 2024. To address geopolitical instability and financial shocks, Goldman Sachs recommends hedging risk through commodities. Goldman Sachs is seeing increasing opportunities in Asia.

Persons: Goldman Sachs, Alexis Deladerrière, —, Lindsay Rosner, Rosner, Deladerrière, it's Organizations: Service, Goldman, Business, Nvidia, Microsoft, Apple, Fed Locations: Mexico, France, East, Ukraine, industrials, underperformance, Asia, Japan, India

Washington CNN —President Joe Biden said he is grateful former President Donald Trump is safe after a shooting at his rally in Pennsylvania. Speaking from Rehoboth Beach, Delaware, about two hours after the shooting, Biden said, “There’s no place in America for this kind of violence.”“It’s sick,” the president added. Biden and Trump spoke late Saturday night, a White House official said. He’ll receive an updated briefing from homeland security and law enforcement officials on Sunday, the White House official said. It’s unconscionable,” a senior White House official told CNN.

Persons: Joe Biden, Donald Trump, Biden, “, ” “, ”, Trump, –, Richard Goldinger, He’ll, “ Jill, Julie Chávez Rodríguez, Jen O’Malley Dillon, ” “ We’re, Chávez, O’Malley Dillon, ” Biden’s, Jeff Zients, It’s, CNN’s Evan Perez, Camila DeChalus Organizations: Washington CNN, White, Trump, CNN, Edmond’s Catholic, House, White House, Service Locations: Pennsylvania, Rehoboth Beach , Delaware, America, Butler County , Pennsylvania, St, Rehoboth Beach, Delaware, United States

☆ Meet the Roadmap Generation: High-achieving Zoomers are taking an aggressive, long-term approach to planning their careers
▼ + stars: | 2024-07-13 | by ( Erin Snodgrass | ) www.businessinsider.com time to read: +10 min

AdvertisementBusiness Insider spoke with two members of the Roadmap Generation and several of the HR professionals and executives who hire and oversee them. Many members of the Roadmap Generation are trying to set themselves up for future financial success by starting and stoking their portfolios early. Ambitious young professionals are prioritizing skills development early in their careers in the hopes of finding future success. Tom WernerFor all of their clear-eyed assuredness, however, the Roadmap Generation is also open-minded and curious, older bosses said. Dhunjisha agreed and suggested there's a simple way for a company to keep its Gen Z employees long-term.

Persons: —, Javi Galarce, Galarce, Z, Astad Dhunjisha, Dhunjisha, Gen Z's, Gen Z, Gen, Cassie Fields, Fields, Dia Dipasupil, Austin Curtis, Curtis, We're, Mark Pierce, Pierce, Tom Werner, Zers, Jon Hill Organizations: Service, University of Iowa, Business, Deloitte, University of Oklahoma, Wyoming Trust Locations: Texas

☆ Don’t save your questions for the end of a job interview, says expert—you might never get to ask them
▼ + stars: | 2024-07-12 | by ( Gili Malinsky | ) www.cnbc.com time to read: +1 min

When you're interviewing for a job, there are all sorts of questions it's worth asking. will give you a sense of how adaptable the company is to change and how it invests in its workforce. Often interviewers will leave the last 10 or 15 minutes of an interview to ask those questions — but sometimes you'll run out of time. Instead of waiting for that opening at the end, "ask questions as you go along," says My Perfect Resume career expert Jasmine Escalera. During the interview, look for moments in which you can build on your prospective employer's discussion to get your questions answered as well.

Persons: Jasmine Escalera

☆ San Quentin on Lockdown As Inmates Suffer Gastrointestinal Illness
▼ + stars: | 2024-07-11 | by ( Laura Italiano | Nicole Einbinder | ) www.businessinsider.com time to read: +6 min

Read previewUsually, when "chicken hindquarters" is on the dinner menu at San Quentin, it's good news. Four men serving sentences at San Quentin say dozens of prisoners were sickened, and some 2,000 were subjected to a week of lockdown to prevent any illness from spreading. The four men who spoke to Business Insider told similar stories. Gavin Newsom announced the facility's "transformation" from San Quentin State Prison into San Quentin Rehabilitation Center, empowering an advisory council comprised of community leaders, prison staff, and program leaders to come up with recommendations to improve conditions. A spokesperson for the California Correctional Health Care Services issued this statement on Tuesday:Advertisement"We are currently investigating cases of a potential gastrointestinal illness at San Quentin Rehabilitation Center.

Persons: —, Aaron Ramzy, it's, Ramzy, Luis Sigueras, Marty Zahorik, Zahorik, I've, there's, Gavin Newsom, I'm, CCHCS Organizations: Service, Business, California Correctional Health Care Services, Block, Marin General Hospital, Gov, Quentin Rehabilitation Center, San Quentin Rehabilitation Center Locations: San Quentin, Quentin, California, Marin

☆ Boomer dad, who is 6 months away from retirement, has already started gifting his Gen X and millennial kids their inheritance
▼ + stars: | 2024-07-10 | by ( Kelsey Vlamis | ) www.businessinsider.com time to read: +5 min

MJ's kids include two of his own and two stepchildren, all aged between 35 to 46. AdvertisementHe's among a growing cohort of boomers who are passing on their wealth at an earlier stage in life, financial planners previously told BI. "We consider inheritances and money from families a gift of love," Gideon Drucker, president and financial planner at Drucker Wealth, previously told BI. The money he gifts to his kids comes with no strings attached — they are free to spend it how they see fit. "I'm not going to put them all into retirement with what I'm leaving them.

Persons: he's, Bill Perkins, boomers, Gideon Drucker, MJ, Here's, I've, Drucker, Warren Buffett, Bill Gates, Mark Zuckerberg, Buffet, I'm Organizations: Service, Business, Drucker Wealth Locations: Alberta, Canada

☆ Election deepfakes could undermine institutional credibility, Moody's warns
▼ + stars: | 2024-07-10 | by ( Michelle Castillo | ) www.cnbc.com time to read: +7 min

A new report from Moody's on Wednesday warns that generative AI and deepfakes are among the election integrity issues that could present a risk to U.S. institutional credibility. In a letter to Rosenworcel, it encouraged the FCC to delay its decision until after the elections because its changes would not be mandatory across digital political ads. Some social media platforms have already self-adopted some sort of AI disclosure ahead of regulations. Google requires all political ads with modified content that "inauthentically depicts real or realistic-looking people or events" to have disclosures, but doesn't require AI disclosures on all political ads. Thirteen states have laws on election interference and deepfakes, eight of which were enacted since January.

Persons: Gregory Sobel, William Foster, Jessica Rosenworcel, Dan Ives, Ives, Tony Adams, Moody's, Abhi Srivastava, Secureworks, Adams, they've Organizations: Federal Communications, FCC, Federal, Commission, Wedbush Securities, Meta, Google, Facebook, Unit, United Nations Locations: Moody's, New Hampshire

☆ Women who survived cardiac arrest more likely to be treated for anxiety and depression
▼ + stars: | 2024-07-10 | by ( Madeline Holcombe | ) edition.cnn.com time to read: +5 min

CNN —The care that comes after a cardiac arrest should include supporting mental health — especially for women, new research has found. The team compared the data on patients’ socioeconomic status and mental health with those in the general population, according to the study. The amount of women taking anxiety or depression medications after cardiac arrest was also greater than in women in the general population, said Smits, a postdoctoral researcher at Amsterdam University Medical Center in the Netherlands. “Mental health and stress make cardiac events worse and more frequent, and we know that cardiac events make mental health worse,” he said. If you or someone you know is struggling with mental health, help is available.

Persons: ”, Robin Smits, Smits, ” Smits, Andrew Freeman, Freeman, isn’t, ” Freeman Organizations: CNN, ”, Amsterdam University Medical Center, Jewish Health, American Heart Association . Locations: Netherlands, Denver

☆ Is election stress affecting your sexual health? An expert explains
▼ + stars: | 2024-07-09 | by ( Dr. Jamin Brahmbhatt | ) edition.cnn.com time to read: +5 min

Chronic stress can also lead to other health issues that indirectly affect sexual health, such as cardiovascular problems, sleep disorders and mental health issues. All these factors combined can create a cycle in which stress has a negative impact on sexual health, leading to further stress and health complications. Erectile dysfunction and anxietyAnxiety is another common byproduct of election stress. How to get election stress out of your sex lifeTo manage election stress and maintain sexual health, it’s essential to engage in relaxing activities. Even when you’ve done all you can do, know that election stress is real and can have surprising effects on your sexual health.

Persons: Jamin, you’ve Organizations: Orlando Health, University of Central Florida’s College of Medicine, CNN, Pew Research Center, International

☆ Every employee needs a 'Yay Folder,' says author of 'Smart, Not Loud:' Here's what that means
▼ + stars: | 2024-07-09 | by ( Aditi Shrikant | ) www.cnbc.com time to read: +1 min

She was taught to do her work, hit her goals and not cause any trouble. "Growing up, I was never taught the importance of making myself visible, of continually following up as a way of staying top of mind," she wrote. "I was never taught the importance of being proactive or how to speak up with tact." After a few years in the workforce, she realized silently completing tasks is a poor strategy for getting ahead. One you can do right away: Create a "Yay Folder."

Persons: Jessica Chen

☆ The No. 1 question to 'always' ask in a job interview, from a LinkedIn career expert
▼ + stars: | 2024-07-09 | by ( Morgan Smith | ) www.cnbc.com time to read: +2 min

The final minutes of a job interview — when the interviewer is done with their questions and opens up the floor — is time you don't want to waste. There's one question, in particular, that you should "always" ask in a job interview, says LinkedIn career expert Andrew McCaskill. With this question, you'll better understand what kind of learning curve you'll face and how your performance will be evaluated. This question can also help you prepare for any follow-up interviews. Take CNBC's new online course How to Ace Your Job Interview to learn what hiring managers are really looking for, body language techniques, what to say and not to say, and the best way to talk about pay.

Persons: —, Andrew McCaskill, McCaskill, you'll Organizations: CNBC

☆ John Deere to lay off roughly 600 employees from three US factories
▼ + stars: | 2024-07-07 | by ( Eva Rothenberg | ) edition.cnn.com time to read: +3 min

New York CNN —John Deere announced it will lay off about 600 employees across three US factories as the Illinois-based company shifts production to a newly planned facility in Ramos, Mexico. In total, the three factories have roughly 4,175 production and maintenance employees. The Illinois factory primarily produces harvesting equipment such as combines, while the two Iowa factories manufacture construction and forestry equipment. “We do expect incremental demand decline in the back half of 2024,” Josh Beal, the company’s director of investor relations, said in the May earnings call. At the same time, manufacturing jobs across the country have plateaued at 13 million employees after recovering from a sharp pandemic-related downswing in 2020, according to data from the Bureau of Labor Statistics.

Persons: John Deere, Deere, “, Josh Beal Organizations: New, New York CNN, CNN, Department of Agriculture, Bureau of Labor Statistics Locations: New York, Illinois, Ramos, Mexico, Iowa, Dubuque, Davenport, East Moline , Illinois, United States, South America, Europe, North America

☆ Some boomers aren't waiting to die to pass on their wealth — their millennial kids need it now
▼ + stars: | 2024-07-07 | by ( Kelsey Vlamis | ) www.businessinsider.com time to read: +6 min

Recently, the client's parents told him they were going to up that amount — to $60,000 a year for the next 10 years — but that would be it. Boomers waiting to pass down their wealth until their kids are much older has partially contributed to the rise in geriatric millionaires, BI previously reported. Related storiesGideon Drucker, president and financial planner at Drucker Wealth, said he is also seeing more older people proactively passing down their wealth. He tends to work with clients in their 30s and 40s, while his dad, who leads their senior division, works with those clients' parents, figuratively and, in some cases, literally. One thing Drucker cautions against is giving your kids money in a way that might up their standard of living to a level they can't actually sustain.

Persons: —, Sophia Bera Daigle, Daigle, Gideon Drucker, Drucker Organizations: Service, Business, grandkids, Boomers, millennials, Drucker Wealth

☆ My dad is a boomer, and I'm Gen Z. We sometimes have different perspectives, but our relationship is built on mutual respect.
▼ + stars: | 2024-07-06 | by ( Jael Bore | ) www.businessinsider.com time to read: +4 min

Related storiesAmusingly, he views social media as an utter distraction, while I see it as a tool that enhances my daily life. I was pleasantly surprised by his views on mental healthThe pandemic brought to the forefront a significant generational divide in views on mental health. He grew up in an era where mental health issues were often stigmatized and rarely discussed openly. AdvertisementIn contrast, my Gen Z perspective on mental health is more open and proactive. My peers and I are more likely to seek professional help, use mental health apps, and openly discuss our struggles over lunch.

Organizations: Service, Business

☆ Saks Fifth Avenue parent HBC to acquire Neiman Marcus Group in $2.65 billion deal
▼ + stars: | 2024-07-04 | by ( Alex Harring | ) www.cnbc.com time to read: +1 min

Saks Fifth Avenue parent HBC said on Thursday it will acquire Neiman Marcus Group in a $2.65 billion deal combining the storied retailers. The combination will establish Saks Global, which will include Saks Fifth Avenue, Saks OFF 5TH, Neiman Marcus' namesake department store chain and Bergdorf Goodman. "We're thrilled to take this step in bringing together these iconic luxury names," HBC CEO Richard Baker. "This is an exciting time in luxury retail," Baker added, citing technological advancements that can "redefine" the customer experience. Neiman Marcus Group CEO Geoffroy van Raemdonck called the partnership a "proactive choice in an evolving retail landscape."

Persons: Neiman Marcus, Bergdorf Goodman, We're, Richard Baker, Baker, Marc Metrick, Ian Putnam, Geoffroy van Raemdonck, what's Organizations: Saks Fifth, HBC, Saks Global, Saks, HBC Properties, Investments, Neiman

☆ Founder of Google's Innovation Lab: Here's the most important lesson I taught there
▼ + stars: | 2024-06-27 | by ( Tom Huddleston Jr. | ) www.cnbc.com time to read: +5 min

A former Stanford University adjunct professor of design thinking, Pferdt worked at Google for 12 years, serving as its first-ever "chief innovation evangelist." "Everybody talks about innovation, and you could obviously see a lot of innovation happening. To spot future opportunities, you have to embrace the unknown by thinking optimistically to find potential good in a new, possibly even scary, situation. To spot future opportunities, you have to embrace the unknown by thinking optimistically to find potential good in a new, possibly even scary, situation. Compulsive curiosity: Pferdt's own curiosity inspired him to find out how he could help streamline innovation at Google.

Persons: Frederik Pferdt, Pferdt, optimistically, — Organizations: Google, Stanford University, CNBC

☆ 3 job search strategies for when the market feels impossible, from a career coach: 'Strong relationships are more important than ever'
▼ + stars: | 2024-06-26 | by ( Phoebe Gavin | ) www.cnbc.com time to read: +6 min

Think quality over quantityGiven the realities of the current job market, mentally prepare for a longer job hunt and be proactive about managing your energy. Job seeking is draining, and searches are inevitably going to take longer right now. Pick the right shortcutsCreating first-rate materials is time- and energy-intensive, even if the potential prize is a job you're over the moon for. Let them know you're on the hunt and tell them what you're looking for and why you're a good fit. Let them know you're on the hunt and tell them what you're looking for and why you're a good fit.

Persons: doesn't, aren't, you'll Organizations: Energy, LinkedIn

☆ How New York's biggest hospital network is tackling tough issues with Hollywood-style movies and series
▼ + stars: | 2024-06-25 | by ( Lucia Moses | ) www.businessinsider.com time to read: +6 min

The project, from veteran filmmakers Alexandra Shiva and Lindsey Megrue, also had help from a Hollywood outsider: Northwell Health, New York's largest healthcare network. Ramon Soto, CMO, Northwell Health. "Lenox Hill" and "Emergency: NYC" followed, drawing on the popular hospital procedural format. Northwell's own research showed people who watched "Emergency: NYC" were 17% more likely to consider using Northwell services compared to those who hadn't seen it. Soto said the company has stuck to talking about mental health and other healthcare issues while avoiding being prescriptive in its messaging.

Persons: Max, Alexandra Shiva, Lindsey Megrue, Northwell, Oscar, Matthew Heineman, Ramon Soto, Lee S, Weissman, Northwell isn't, Marvel Northwell, Soto, Heineman, they're, Jen Cowan, Bud, it's Organizations: Service, Psych Unit, HBO, Netflix, Business, Northwell, Marvel, Nielsen, HBO Warner Bros, Hollywood, Disney Locations: Hulu, North Shore, Northwell's

☆ 9 phrases mentally strong people never use—and what they say instead
▼ + stars: | 2024-06-25 | by ( Scott Mautz | In Scottmautz | ) www.cnbc.com time to read: +4 min

Mentally strong people have the ability to productively regulate their emotions, thoughts, and behaviors, even in the face of setbacks. Here are nine phrases the mentally strongest people avoid using — and what they say instead. What to say instead: "I have a baseline of mental strength I can build from." What to say instead: "I have a strong point of view but am willing to listen." What to say instead: "You're not there yet," or, "What did you learn from this that you could apply moving forward?"

Persons: I've, you'll, we'd, shirk

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