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☆ 19-year-old friends run a six-figure business cleaning barbecues. How they started with $400 and scaled to 20 employees.
▼ + stars: | 2024-08-04 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +9 min

Buying a car, notching his first five-figure month, and partnering with a friend to bring the business onlineAfter a year of school, Shaidle restarted his cleaning business in June 2022. AdvertisementAran Giffen joined the Shaidle Cleaning team in 2023. He and Giffen spent their second year at university planning for what they expected to be a busy 2024 season for Shaidle Cleaning. Shaidle Cleaning is completely student-operated. Giffen, who's on a full university scholarship for accounting, isn't technically under contract as a Shaidle Cleaning employee.

Persons: Jacob Shaidle, Shaidle, —, that's, Aran Giffen, He'd, didn't, Jake, Giffen, they've, you've, who's, I'd Organizations: Service, Business, Home, University of British, UBC, Hamilton Spectator, Shaidle Locations: Hamilton, Canadian, Ontario, University of British Columbia, Canada

☆ How to survive Phoenix heat: Icy body bags and mobile coolers
▼ + stars: | 2024-08-01 | by ( Bill Weir | ) edition.cnn.com time to read: +8 min

“Buy the bigger ice machines,” Phoenix Fire Captain Robert McDade tells emergency managers who call for advice from around the world. “Be willing to change what you’ve done.”An unhoused man finds little respite from the heat in the shade of a bus stop in Phoenix. Phoenix first responders are stocking body bags filled with ice to treat victims of heat stroke, bringing their core body temperature down on the way to the hospital. Julian Quinones/CNNFirst responders at Fire Station 61 are treating more victims of heat illness as temperatures soar in Phoenix. Every summer we learn, and we improve.”A heat respite center at Burton Barr Central Library just north of downtown Phoenix.

Persons: it’s, Coroners, “, Robert McDade, Julian Quinones, CNN McDade, McDade, ”, ” McDade, John Prato, Kate Gallego, we’ve, ” Gallego, didn’t, Evelio Contreras, Katie Hobbs, Eugene Livar, Arizona’s, there’s, Jennifer Vanos, Vanos, MaRTy ”, CNN Evelio Contreras Organizations: CNN, Phoenix, Harvard, Phoenix City Council, Burton Barr Central Library, CNN Arizona, Arizona State’s School of Sustainability, Vanos Locations: Phoenix, Maricopa County, Chicago, Albuquerque, Arizona, ”

☆ Four families built their own village, spending $50,000 each 70 years ago. Take a rare look inside the idyllic enclave.
▼ + stars: | 2024-08-01 | by ( Dan Latu | ) www.businessinsider.com time to read: +1 min

In 1957, four Oregon families hired a locally famous architect to build them a mini-neighborhood. There were 12 kids among the families, and one fondly remembered growing up in the little village. Take a look inside the still-mint-condition homes, defined by wood details and lush landscaping. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . The architect, John Storrs, would go on to become a regional icon, known for warm, natural materials and show-stopping windows.

Persons: —, John Storrs Organizations: Service, Business Locations: Oregon, Portland , Oregon

☆ Here are Tuesday's biggest analyst calls: Nvidia, Apple, Roblox, Netflix, Amazon, Tesla, McDonald's, Affirm & more
▼ + stars: | 2024-07-30 | by ( Michael Bloom | ) www.cnbc.com time to read: +6 min

Here are Tuesday's biggest calls on Wall Street: Loop initiates BrightView as buy Loop said it's bullish on shares of the commercial landscaping company. Evercore ISI reiterates Apple as outperform Evercore said it's bullish ahead of Apple earnings later this week. " Bank of America reiterates Roblox as buy Bank of America said it's standing by Roblox ahead of earnings on August 1. Deutsche Bank reiterates McDonald's as buy Deutsche said it's standing by the fast food giant following earnings. Bank of America reiterates Goldman Sachs as buy Bank of America said top pick Goldman Sachs has "cyclical/secular tailwinds."

Persons: Evercore, it's, Jensen Huang, Nvidia's Blackwell, Blackwell, KBW, Oppenheimer, Wells, Roblox, Tesla, McDonald's, Baird, Edward Jones, Goldman Sachs, ROE resiliency, Morgan Stanley, Wells Fargo Organizations: Apple, Citi, Nvidia, " Bank of America, of America, Barclays, UBS, Amazon, Netflix, Bank of America, JPMorgan, RBC, Tesla, Deutsche Bank, Deutsche, Whirlpool, underperform Bank of America, Abbott Laboratories, Abbott Labs, Edward, Stock, 2Q, PNC, WF

☆ I've been to 48 states, but there's one US city I want to visit every summer
▼ + stars: | 2024-07-25 | by ( Latifah Al-Hazza | ) www.businessinsider.com time to read: +6 min

After visiting 48 of the 50 US states, Chicago is my favorite place to be in the summer. Here's why I love Chicago summers. Latifah Al-HazzaThe city prides itself on being home to over 20 Michelin-starred restaurants and having a diverse food culture. The city's public Divvy bikes are easy to rent and a great way to see the city in the summer. The event offers incredible city views and access to the indoor aquarium, providing a cool respite from the heat.

Persons: —, Latifah Al, Chiya Chai, Café Tola, Lou Malnati's, Diego, Jackson, Ping, Fulton Organizations: Service, Windy City, Business, Chicago Architecture, Chicago Riverwalk, Michelin, Café Tola, Indienne, Chicago café, Hazza, Art Institute of Chicago, Field Museum, Museum of Science, Industry, Chicago World's Fair, Art, Logan Square Arts, Pitchfork, Chicago Blues Festival, Lakeview Taco Fest, NASCAR, Chicago Air, Water, Chicago Locations: Chicago, Café, Lake Michigan, Beach, Ping Tom, Windy City Smokeout, Lakeview, Sueños

☆ Buy and hold these 5 attractively valued growth stocks for the next decade, the pros say
▼ + stars: | 2024-07-24 | by ( Weizhen Tan | ) www.cnbc.com time to read: +3 min

Growth stocks have been rallying for most of this year, though they've been volatile recently. Investors rotated out of mega-cap tech stocks for smaller names last week, as expectations of rate cuts in September grow. But overall, growth stocks have still gained this year, with the large-cap Vanguard Russell 1000 Growth ETF still up nearly 20% this year. What are some of such stocks that are still attractively valued that investors can buy and hold for the next 10 years? CNBC Pro asked fund managers and other investors who focus on growth stocks for some ideas.

Persons: Russell, Deere, Big Tech Nick Griffin, it's Organizations: CNBC Pro, Carnegie Investment, Deere, Mastercard, Visa, Big Tech, Munro Partners, Microsoft

☆ 14 of the most unique buildings in the world
▼ + stars: | 2024-07-23 | by ( Jordan Pandy | Gabbi Shaw | ) www.businessinsider.com time to read: +1 min

Hundreds of entrants submitted completed buildings to be recognized in this year's competition. Business Insider selected 14 impressive buildings shortlisted this year. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementEvery year, the World Architecture Festival (WAF) recognizes a "Building of the Year," and the 2024 shortlist includes some of the world's most incredible buildings. Over 350 buildings were entered into the completed buildings category, and 225 were shortlisted.

Persons: — Organizations: Business, Service

☆ They built a home in Thailand after their US property was flooded in a hurricane
▼ + stars: | 2024-07-22 | by ( Tamara Hardingham-Gill | ) edition.cnn.com time to read: +12 min

CNN —With his retirement fast approaching, Jim Dolan, from the US, felt as though his future was more or less mapped out. “I was not ready to leave the United States at that point,” Jim Dolan explains. “I feel safer here in Thailand than I think in any of the cities that I lived in the United States. “I think she had a bigger challenge moving to the United States than I had coming here,” he says. “But overall, I think we’re much better off here than we would have been in the United States had we stayed there.”

Persons: Jim Dolan, Som Dolan, Hurricane Harvey, ” Jim Dolan, Som, Jim, hadn’t, Jim Dolan –, Worcester , Massachusetts – hadn’t, “, ”, they’d, Sam Roi Yot, Prachuap Khiri Khan, pugs Morgan, Gwennie, he’s, it’s, … ”, haven’t, – Morgan, I’ll, They’ve Organizations: CNN, NASA, CNN Travel, Houston, “, United Locations: Thailand, Houston, Hurricane, Texas, Worcester , Massachusetts, Bangkok, United States, Thai, Washington , DC, Prachuap, Gulf, Sam, Roi, Denver, Austin, Spanish, East Coast

☆ Why a millennial stopped saving 70% of her income and started spending over $25,000 a month
▼ + stars: | 2024-07-18 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +6 min

Julie Berninger, 35, and her husband used to save 70% of their income. Now, they spend over $25,000 a month on outsourcing aspects of their lives like cleaning, cooking, and transportation. However, Berninger said she's investing in the growth of her companies — and is spending a lot to do so. While at Amazon, she started selling digital products part-time on Etsy, as she wanted side income and opportunities to try different fields of work. AdvertisementShifting spending habitsIn 2023, she also founded Auros Agency, a boutique digital course creation agency with a similar business model.

Persons: Julie Berninger, Berninger, She's, Cody Berman, they've, doesn't Organizations: Service, Business, FIRE, Apple, Gold City Ventures, Auros Agency, BI

☆ Futuristic designs unveiled for ‘world’s greenest highway’
▼ + stars: | 2024-07-17 | by ( Rebecca Cairns | ) edition.cnn.com time to read: +10 min

Not content with Dubai having the tallest building, the deepest pool or the highest hotel, urban design firm URB hopes to add one more superlative feather to the city’s cap: the world’s “greenest” highway. The green highway, pictured in this render, would also include a network of footpaths and green community spaces. URB‘A unique set of challenges’Creating the world’s “greenest” highway in a desert city isn’t easy, though. Pictured in this rendering, designs for the Nexgen Sustainable City, which URB has designed for Cairo. URB A Dubai developer is creating green designs for the city Prev NextAn urban utopiaThis isn’t URB’s first foray into utopian future city design.

Persons: URB, Sheikh Mohammed Bin Zayed, Baharash, ” Bagherian, ”, Baharash Bagherian, ’, Bagherian, — Organizations: CNN, Dubai, United Arab Emirates, European Union, “, Hub, Agri Locations: Dubai, ”, “ Dubai, URB “ Dubai, UAE, Hong Kong, URB, Yiti, Oman, Yas, Abu Dhabi, Cairo, City

☆ Abolish HOAs: Homeowner Associations Make It Harder to Own a House
▼ + stars: | 2024-07-08 | by ( Ned Resnikoff | ) www.businessinsider.com time to read: +10 min

These private quasi-governments are called homeowner associations, or HOAs. While California has the most HOAs of any state (50,000), Florida has far more HOA residents as a percentage of its population. The association also provided its residents with "the usual privileges of a citizen in any free state," Tullock wrote. Readers will not be shocked to learn that Clarke and Freedman also found that HOA residents were more likely to be white or Asian than non-HOA residents. (Cashin observed that several states, including New Jersey and Texas, had laws allowing HOA residents to subtract the cost of privately provided infrastructure from their taxes.)

Persons: Norman Rockwell, Ron DeSantis, HOA, Quinn Slobodian, HOAs —, Gordon Tullock, Tullock, it's, Jim Crow, Wyatt Clarke, Matthew Freedman, Clarke, Freedman, Robert Reich, Sheryll Cashin, Cashin, HOAs Organizations: Gov, Guardian, HOAs, George Mason University, HOA Locations: An, HOA, Florida, While California, Rossmoor , California, America, Pima County, New Jersey, Texas, That's

☆ A day in the life of Robert Rivani, a 34-year-old real-estate mogul with $750M in deals who left LA to invest in Miami
▼ + stars: | 2024-07-07 | by ( Jordan Pandy | ) www.businessinsider.com time to read: +8 min

Read previewRobert Rivani got a taste for business flipping shoes as a teenager in his hometown of Los Angeles. At 18 years old, Rivani said he was approached to sell his shoe collection for over $150,000 and he took it. Rivani left California in 2022 to make his mark in Miami, where he's grown his real-estate portfolio. Even that 45-minute drive is valuable time, so his personal assistant or wife drives while Rivani texts and takes calls. Rivani has the luxury of having restaurants, including Delilah Miami, as tenants and can host multiple meetings in one location instead of bouncing around Miami.

Persons: —, Robert Rivani, Rivani, Lion, Williams, Harry Potter, Krystal, Anna Orsborn, I've, Delilah Miami, Michael Timzil Nio, — that's, we're, he's Organizations: Service, Jordan, Business, Beverly Hills, 1Ten, Vikings Locations: Los Angeles, California, Miami, South Florida, Miami Beach, Elm, Williams Sonoma, Beverly, East Coast

☆ Extreme heat is affecting workers this summer. New federal rules would require bosses to provide rest, water, and shade.
▼ + stars: | 2024-07-02 | by ( Catherine Boudreau | ) www.businessinsider.com time to read: +8 min

"Notably, acclimatization is the leading killer among the different factors related to heat illness," a senior administration official said. AdvertisementA senior administration official said OSHA's proposal, if finalized, would apply to all states including Texas and Florida. AdvertisementA senior administration official said OSHA's proposal is similar to standards that have been successful in those states. A senior administration official said OSHA will review state plans to ensure they are at least as effective as the federal rules. A senior administration official said OSHA also convened a national advisory committee of construction representatives comprised of management and labor interests.

Persons: —, Biden, Donald Trump, Julie Su, it's, it's it's, acclimatization, Greg Abbott, Critics, Abbott, Su, she's, who've, She's Organizations: Service, Workers, Business, Occupational Safety, Health Administration, Republican, National Weather Service, Bureau of Labor Statistics, OSHA, Dade, Texas Gov, Houston, Guardian, American Farm Bureau Federation, Construction Industry Safety Coalition Locations: Texas, Florida, Miami, Austin, Minnesota , California, Washington , Oregon, Colorado, California, Washington and Oregon, California , Arizona

☆ I'm a real-estate agent in the Hamptons. Here are the hottest spots to see and be seen this summer.
▼ + stars: | 2024-06-26 | by ( Perri Ormont Blumberg | ) www.businessinsider.com time to read: +6 min

I've been a real-estate agent in New York City, Long Island, and the Hamptons for five years. I'm also on the second season of the HBO show "Selling the Hamptons," and I'm the founder of Finding Space, a weekly newsletter of the trends I'm seeing in real estate. 1 recommendation if you want to be away from the crowds and remain exclusive while having access to the beach and East Hampton. AdvertisementEast Hampton has a bit more to doPeople really gravitate toward East Hampton. These are the Hamptons hot spots for summer 2024I always rave about this Mediterranean-inspired restaurant in East Hampton called Sí Sí.

Persons: —, Jonathan Yarton, It's, I've, I'm, Yarton, Jimmy Fallon, you'll, Bibloquet, Topping Rose, There's, Lauryn Haas Organizations: Service, Hamptons, HBO, Business, Southampton Locations: Rochester , New York, New York City, Long, Europe, NYC, Southampton, East Hampton, Sagaponack, Hampton, There's, Sag, Sag Harbor, Montauk, Amagansett, It's, Bridgehampton, Almond, lhaas@businessinsider.com

☆ I'm an interior decorator. Here are 8 things I would never have in my backyard.
▼ + stars: | 2024-06-24 | by ( Kelly Kruger | ) www.businessinsider.com time to read: +1 min

As an interior decorator , there are a few things I'd never have in my backyard. Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . As an interior decorator, I encourage my clients to create a comfortable backyard space with a no-frills approach that enhances the natural environment. This story is available exclusively to Business Insider subscribers.

Persons: — Organizations: Service, Business

☆ A Man Missing for 10 Days in a California Forest Is Found Alive
▼ + stars: | 2024-06-23 | by ( Emmett Lindner | John Yoon | ) www.nytimes.com time to read: +1 min

Mr. McClish, 34, of Boulder Creek, Calif., would not be seen or heard from for nine nights and 10 days. Mr. McClish, a hiker who does landscaping in forests that have been razed by wildfires, appeared to have been swallowed by the woods. “I was just so astounded by being lost,” he said in a telephone interview. The area where Mr. McClish was lost had been hard-hit by the C.Z.U. Lightning Complex fire in 2020 and “looks completely different from all of the other terrain,” he said.

Persons: Lukas McClish, McClish, ” Organizations: Basin Redwoods Locations: Boulder Creek, Calif

☆ How a Gen Xer went from declaring bankruptcy at 30 to being on track to retire early in her 50s
▼ + stars: | 2024-06-22 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +9 min

Dove didn't have much time to grieve, though. "I pushed back because I didn't think it was rewarding. I didn't think I would feel like I was contributing to society in a meaningful way as an investor," Dove said. Dove didn't want to work even more hours, which would force her to sacrifice time with her kids, so she made more with less. "Although we have not hit our FI number yet, we will reach our target amount by our target date with just what we contribute from my husband's income," Dove said.

Persons: —, Chris Elle Dove, Dove, hadn't, Berkshire Hathaway, I've, they've, they're, we've, Dove didn't, Rivian Organizations: Service, Business, FIRE, Social Security, Berkshire, Farm Locations: Western Illinois, Bloomington , Illinois

☆ Irrigreen: A startup that makes lawn sprinklers that use less water
▼ + stars: | 2024-06-18 | 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 EmailIrrigreen: A startup that makes lawn sprinklers that use less waterIrrigreen's digital robotic sprinkler saves water by tracing the contours of your landscaping.

For Love & Money is a weekly Business Insider column answering relationship and money questions. This week, a reader's neighbor expects them to help pay for a garden between their homes. Write to For Love & Money using this Google form. Not to say your neighbors are scheming over their morning coffee for ways to force you to share a garden with them. Write to For Love & Money using this Google form .

Persons: —, they're, We've, doesn't Organizations: Service

☆ This couple lives in a vintage 940-square-foot trailer by the beach for $5,100 a month: It's 'the California dream'
▼ + stars: | 2024-06-15 | by ( Jaclyn Westlake | ) www.cnbc.com time to read: +7 min

When my husband Brian first told me he's from Laguna Beach, it took everything in me to play it cool. Deciding we wanted to stay in Laguna Beach wasn't hard — I mean, it's beautiful, sunny, laid back, and has a thriving art scene. Finding a creative way to live in Laguna BeachThe median home price in Laguna Beach hovers around $3 million and the median monthly rent is over $8,000. Take a look inside our 'vintage' Laguna Beach trailerOur two-bedroom, two-bathroom home was built in the 1960s. The trailer is across the street from the beach and Jaclyn and Brian typically head over a couple days a week.

Persons: Brian, millennials, I'd, Kristin, Seth, Brian's, we'd, We've, Jaclyn Westlake, we're, Jaclyn, Tristan Pelletier, you'll, it's, Brian didn't, Indiana Jones, we've Organizations: CNBC, Brian's Locations: Laguna Beach, Los Angeles, Laguna, Brian's, It's, California

☆ The Cost of Traveling While Gay: Passing As Straight Helps Us Travel
▼ + stars: | 2024-06-04 | by ( Timothy Moore | ) www.businessinsider.com time to read: +10 min

AdvertisementHomosexuality isn't illegal in Egypt, but the country is famous for its discrimination against the LGBTQ+ community. "Not all states have equal protection laws, especially for transgender and gender-diverse individuals," John Tanzella, president and CEO of the International LGBTQ+ Travel Association, told Business Insider. Airbnb hosts can indicate they're LGBTQ-friendly in their listings, and there are companies and entire cruise lines dedicated to gay travel. Perhaps the most comprehensive is the IGLTA, which has been helping members of the community travel safely since 1983. "The future of LGBTQ+ travel is bright," Tanzella said, though he cautioned significant hurdles still remain.

Persons: Trent, peck, we'd, we've, I'd, Equaldex, John Tanzella, Ron DeSantis, you've, Dan Leveille, it's, Leveille, Tanzella, —, I've, It's, there's, I'm Organizations: Business, Ferrari, United Arab, International, Travel, Equity, Gov, Technology Locations: Jamaica, Trent, Spain, Morocco, United Arab Emirates, Egypt, United States, Florida, Berlin, Puerto Vallarta

☆ Some wealthy people trying to sell their luxury homes are struggling
▼ + stars: | 2024-05-28 | by ( Alcynna Lloyd | ) www.businessinsider.com time to read: +5 min

Read previewThe world of luxury real estate might seem like a place where deals are plentiful, transactions are swift, and satisfaction is guaranteed. "I wanna be free to garden and travel and not have to worry about the house — but I'm not taking nothing," Morgan told Curbed. "A lot of luxury buyers may already have a primary home, so maybe they're looking for a new investment," StreetEasy Senior Economist Lee said. AdvertisementThat's partly why more luxury buyers are increasingly considering renting out their homes rather than selling them, he added. Concierge AuctionsLee noted another factor contributing to the difficulty of selling luxury properties: the high costs associated with their maintenance and upkeep.

Persons: —, Kenny Lee, Sonja Morgan, John Adams Morgan, Morgan Chase, Morgan, Curbed's Bridget Read, I'm, Michael Jordan, There's, Nile Niami, Richard Saghian, Ron DeSantis, Lee, canalso, It's Organizations: Service, Business, Housewives, New, Fashion, Florida Gov, Morgans, Yorker Locations: New York City, New York, Chicago, Los Angeles, Upper Eastside

☆ Poland to spend around $2.5 billion on securing eastern border
▼ + stars: | 2024-05-18 | by ( ) www.cnbc.com time to read: +2 min

Donald Tusk, Prime Minister of Poland, speaks during a press conference where Polish PM announces resignation of four ministers and nominees for the future positions in Chancellery of Polish Prime Minister in Warsaw, Poland on MAy 10, 2024. Poland will invest 10 billion zlotys ($2.55 billion) in a program to secure its eastern border, the prime minister said on Saturday, in a bid to bolster its defenses against what it says is a rising threat from Russia and Belarus. "We have decided to invest 10 billion zlotys in our security, and above all in a secure eastern border," Prime Minister Donald Tusk told a news conference. "We are starting a major project to build a secure border, including a system of fortifications as well as landscaping and environmental decisions that will make this border impossible to pass for a potential enemy." Tusk had announced plans to strengthen the eastern border earlier in May, but without giving details.

Persons: Donald Tusk, Tusk Organizations: Polish, European Union, Minsk, European Investment Bank, Sky Locations: Poland, Warsaw, Russia, Belarus, Poland's, Minsk, Russian, Europe, Ukraine, Moscow, Belarusian, Germany

☆ Home Depot misses on revenue, as high interest rates hurt sales
▼ + stars: | 2024-05-14 | by ( Melissa Repko | In Melissa-Repko | ) www.cnbc.com time to read: +5 min

It said it expects total sales to grow about 1% in fiscal 2024, including those extra days. Home Depot on Tuesday posted quarterly revenue below Wall Street's expectations, as shoppers postponed bigger discretionary projects like bath and kitchen remodels because of higher interest rates and made spring purchases late. The logo of U.S. home improvement chain Home Depot is seen in Mexico City, Mexico, on Jan. 15, 2020. In the fiscal first quarter, customers made fewer visits to Home Depot's stores and website and tended to spend less when they did. Home Depot has seen sales moderate after more than two years of explosive demand during the Covid pandemic.

Persons: Richard McPhail, McPhail Organizations: CNBC, LSEG, U.S, Depot, Home Locations: Mexico City, Mexico, Texas

☆ I used to be a public school teacher. Now I work as a 'middleman' government contractor and can travel when I want to.
▼ + stars: | 2024-05-12 | by ( Ana Altchek | ) www.businessinsider.com time to read: +6 min

I used to be a special-ed teacher at a public school in Ohio, making around $50,000 annually. I work as a middleman, which means I'm the prime contractor and I bid on the opportunity. I've signed contracts in all kinds of sectors, including landscaping, HVAC cleaning, and construction. I put in about an hour of work on government contracting every dayI spend about an hour a day on government contracting. I have a team member that I work with now as well, and we work on finding opportunities, getting quotes, and submitting proposals.

Persons: —, Wes Fisher, I'm, I've, it's, texted Organizations: Service, Business, Forest Services Locations: Ohio, California , Nevada , Oregon , Pennsylvania, Florida, Louisiana, California, Utah, Panama, Dubai, Jamaica, Chicago, San Francisco

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