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☆ How 'Coach' Tim Walz led high schoolers with dad vibes, irrepressible energy, and one classic Simpsons episode
▼ + stars: | 2024-08-10 | by ( Mia Jankowicz | Alice Tecotzky | ) www.businessinsider.com time to read: +9 min

"I was just your average adolescent, angry punk rock vegan kid who hated the system, and thought: 'Oh, my God, this guy's the football coach. Screw him' — because nothing says 'the system' like the football coach." Walz coached Becker at Mankato West football team in the late 1990s. A football turnaroundIn the late 1990s, Mankato West football struggled. "I didn't necessarily see this coming," said Greenwald, who is an assistant football coach himself.

Persons: —, Seth Meyer, Tim Walz, Meyer, Walz —, that's, Walz, Homer —, Mankato West High School Seth Meyer Walz, Kamala Harris, Donald Trump, JD Vance, blunting, Bob Becker, Becker, Seth Greenwald, David Schoettler, Rick Sutton, we're, Sutton, Tim, " Walz, Schoettler, Greenwald, he's, q70HV0H8F1 Organizations: Service, Mankato West High School, Democratic, Business, Titans, Minnesota State, Mankato West, Mankato Locations: Midwestern, San Francisco, Mankato West, @RickSutton7

☆ I tried a 'kid-safe' smartphone with no social media. I loved it but would change one thing.
▼ + stars: | 2024-08-10 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +8 min

Gen Alpha is poised to be the most online generation, with AI and other inevitable advancements in technology and social media. I loved the phone, but using it for a week also made me realize how complicated excessive social media use is to solve. AdvertisementIt all reminded me of a conversation I had earlier this year with an ex-digital brand strategist about reducing social media use. I'd see memes from friends who forgot to text my Gabb phone and would get sucked right back into social media. Plus, the only reason I have social media boundaries at all is because I grew up being encouraged to have hobbies.

Persons: —, I've, Alpha, Julia Pugachevsky, it'd, Sabrina Carpenter's, GabbMessenger, It's, they'll Organizations: Service, Business, Apps, Spotify

☆ A top nutrition scientist and gut health expert shares the two supplements he takes — and the three he ditched
▼ + stars: | 2024-08-10 | by ( Serafina Kenny | ) www.businessinsider.com time to read: +1 min

Dr. Tim Spector, a nutrition scientist and gut health expert, has stopped taking most supplements. Spector still takes two supplements that he said are backed by research. Go to newsletter preferences Thanks for signing up! download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . Dr. Tim Spector, a top British epidemiologist, gut health expert, and cofounder of the science and nutrition company ZOE, has a simple answer: no.

Persons: Tim Spector, Spector, —, dietitians, ZOE Organizations: Service, Business Locations: British

☆ Florida residents should flee to these 2 popular states before climate change decimates home values
▼ + stars: | 2024-08-10 | by ( James Faris | ) www.businessinsider.com time to read: +6 min

Although steadily rising global temperatures and their effects are increasingly hard to ignore, Burt believes they're not yet factored into property values. Flood insurance costs will skyrocket since they're severely underpriced to climate risk, his research indicates. Related stories"I think that there's a lot of pent-up supply from folks, particularly who are being exposed to these ownership cost increases away from mortgage rates," Burt said. They'll then be prepared to either bear the burden of higher insurance costs, or sell. AdvertisementUnlike Ivy Zelman, who's another analyst with a knack for spying issues in the housing market, Burt doesn't think the Midwest is the best region for beach-dwellers to flee to.

Persons: David Burt, who's, Burt, they're, Ivy Zelman, Burt doesn't Organizations: Service, Business Locations: Georgia, Florida, New York

☆ Résumé gaps don't have to kill your job search — here's what to say about them
▼ + stars: | 2024-08-10 | by ( Tim Paradis | ) www.businessinsider.com time to read: +6 min

"He was my best friend," Salemi told Business Insider. Salemi isn't alone in having a résumé where the end of one job doesn't align neatly with the start of the next. The pandemic poked holes in workThe trick to dealing with résumé gaps is to have an explanation, career experts told BI. Julia Toothacre, chief career strategist at ResumeTemplates.com, told BI that her advice on résumé gaps is far different from what she would have said a decade ago. Salemi, from Monster, said in her experience more job seekers have gaps than don't.

Persons: Vicki Salemi's, Salemi, she'd, Salemi isn't, quagmire, Julia Toothacre, Toothacre, what's, it's, doesn't, Lee Woodrow Organizations: Service, Business, LinkedIn

☆ Most high schools in a London borough are banning smartphones. A principal explains how the plan took shape.
▼ + stars: | 2024-08-10 | by ( Nora Redmond | ) www.businessinsider.com time to read: +5 min

Read previewA group of schools in London have joined together to announce a smartphone ban. The ban will affect over 13,000 students at more than a dozen of the 20 government-funded middle and high schools in the borough of Southwark. Power in numbersFor Baxter, the most effective way to get rid of smartphones is by acting with other schools. For smartphones, parents have to come to collect it after school, which Baxter said they would be made aware of. And that's what schools are doing, that's what parents are doing," he said.

Persons: —, Headteachers, Mike Baxter, Matt Jones, Baxter, doesn't, Daisy Greenwell, Clare Fernyhough Organizations: Service, Business, of London Academy ,, Ark Globe Academy Locations: London, Southwark, of London Academy , Southwark, Baxter's

☆ We went to the Amalfi Coast during peak summer season. These 4 tips made our trip better — but there's one mistake I won't make again.
▼ + stars: | 2024-08-10 | by ( Alesandra Dubin | ) www.businessinsider.com time to read: +5 min

AdvertisementRegularly taking our food to go saved us moneyWe stopped for photos while walking around the Amalfi Coast. Packing fashionably but practically was keyComfortable shoes are helpful when walking around the Amalfi Coast. Alesandra DubinThe Amalfi Coast is like a fashion show in high season — a feast for the eyes of chic coastal Italian style. Still, I wish we hadn't overbooked and tried to do too muchWe tried to see a lot of the Amalfi Coast in just a few days. Alesandra DubinOur Airbnb in Sorrento was our hub from which we'd visit the Amalfi Coast and surrounding area on day trips.

Persons: —, it's, I'd, Alesandra Dubin, overbooked Organizations: Service, —, Business Locations: Southern Italy, Amalfi, Amalfi Coast, Sorrento, Capri

☆ Tim Walz is dressing the part — and it's exactly what Harris needs
▼ + stars: | 2024-08-10 | by ( Alice Tecotzky | Geoff Weiss | ) www.businessinsider.com time to read: +5 min

The now-viral video cuts between Walz, holding his phone on a chair, and Harris, sitting in an office. Moreover, it's an aesthetic that could squarely appeal to the very voters Harris needs, experts told Business Insider. "Tim Walz is one of the few politicians who looks good in casual wear and also looks natural in it," Guy told Business Insider. Tom Williams"When he does the folksy thing, he's actually at the upper bound of folksy, and when he's in a suit he's in the lower bound of suit," Higonnet said. A perfect foil to Harris' polishThe Harris campaign is counting on Walz to court voters associated with the clothing he wears, particularly those hailing from the Blue Wall states of Michigan, Wisconsin, and Pennsylvania.

Persons: —, Kamala Harris, Tim Walz, Walz, Harris, LL, Derek Guy, Guy said, Guy, Donald Trump Jr, Walz doesn't, he's, Anne Higonnet, Tom Williams, Higonnet, they're, San Francisco, Donald Trump, JD Vance, Gwen, Vance Organizations: Service, Business, . Star Tribune, Getty, Barnard College, Democrats, Multicultural, Star Tribune, Yale Law School Locations: Minnesota, Michigan , Wisconsin, Pennsylvania, Francisco, New York, San, San Francisco and New York, America

☆ Instagram Reels are really, really weird lately, right? I think it's because of the 'Mythical Reel Pull.'
▼ + stars: | 2024-08-10 | by ( Katie Notopoulos | ) www.businessinsider.com time to read: +9 min

AdvertisementIntroducing the Instagram 'Mythical Reel Pull'A few other comments describe the man's post as a "Mythical Pull." AdvertisementThe comments on one Instagram post identify it as a "Mythical Reel Pull." 'Mythical Reel Pulls' aren't always positive for the postersI know that some of the people posting the Mythical Reel Pulls are not having a positive experience. For some reason, which I have yet to come up with a suitable explanation for, Instagram comments are far, far meaner than TikTok comments.) Moskowitz recently wrote about how the WTF-ness of Mythical Reel Pulls is a kind of zen koan.

Persons: Algorithm's, Instagram, Adam Mosseri, it's, Meta, couldn't, It's, blankly, P.E, Moskowitz Organizations: Service, Business Locations: Wyoming

☆ Tech companies want nuclear power. Some utilities are throwing up roadblocks
▼ + stars: | 2024-08-10 | by ( Spencer Kimball | ) www.cnbc.com time to read: +2 min

A cooling tower at the Constellation Nine Mile Point Nuclear Station in Scriba, New York, US, on Tuesday, May 9, 2023. Tech companies are increasingly looking to directly connect data centers to nuclear plants as they race to secure clean energy to power artificial intelligence, sparking resistance from some utilities over the potential impact on the electric grid. Data centers, the computer warehouses that run the Internet, in some cases now require a gigawatt or more of power, comparable to the average capacity of a nuclear reactor in the U.S. Tech companies are building out data centers just as power supply is increasingly constrained due to the retirement of coal plants and as demand is climbing from the expansion of domestic manufacturing and the electrification of vehicles. PJM covers 13 states primarily in the Mid-Atlantic region, including the world's largest data center hub in northern Virginia.

Persons: Joe Dominguez, Dominguez, Constellation's Dominguez Organizations: Constellation, Tech, U.S, Constellation Energy, Vistra Corp, Nvidia, PJM Locations: Scriba , New York, China, U.S, Baltimore, Dallas, Virginia

☆ A top 1% fund manager over the last 15 years warns a selling spiral threatens to sink the market — and shares 4 stocks he's betting on to capitalize on the turmoil
▼ + stars: | 2024-08-10 | by ( William Edwards | ) www.businessinsider.com time to read: +5 min

Yes, the S&P 500 is just off of all-time highs following a 36% percent rally from October to July. Major stock prices begin to perform poorly, which drags down the S&P 500 Index, which in turn causes the selling of the index. The index selling puts a drag on the largest-cap stocks, which adds more legs to the index selling." The S&P 500 is up 49% since late 2022 as bears have continued to warn of downside. AdvertisementSecond, lower interest rates would spark demand and could cause inflation to resurface, which would be good for oil stocks, Smead said.

Persons: —, Smead doesn't, Smead, Warren, We're, Dow, Jeremy Grantham, John Hussman, Stocks, LEN Organizations: Service, Business, Morningstar, Smead, Bank of America, Technology, Fund, Federal, Fed, DR, Occidental Petroleum, Apache

☆ Markets just had the most volatile week since the pandemic outbreak — What we learned
▼ + stars: | 2024-08-10 | by ( Jesse Pound | In Jesse-Pound | ) www.cnbc.com time to read: +4 min

A wild week of trading on Wall Street ended with the S & P 500 back roughly where it started, but the lessons learned by whipsawed investors over those five days could determine what happens next. The S & P 500 had its worst day since 2022 on Monday, and then its best since 2022 on Thursday. But with the S & P 500 ending the week down less than 0.1% in a calm session on Friday, the market seems to have stabilized. .SPX 5D mountain The S & P 500 finished the week nearly flat. And I think that has to do with investors really being a little bit skeptical about some of this equity market volatility."

Persons: Tim Hayes, Ned Davis, Gennadiy Goldberg, didn't, Jeremy Schwartz, Peter Berezin, aren't, Wellington, Frank Gretz, RJ O'Brien, Tom Fitzpatrick, Fitzpatrick Organizations: Wall, Treasury, Ned, Ned Davis Research, TD Securities, CNBC, Japan —, Nikkei, Bank of Japan, BCA Research, Wellington Shields, Associates Locations: Japan

☆ A boomer left Florida to live on a sailboat on the French Riviera. He says it's cheaper and calmer than the US.
▼ + stars: | 2024-08-09 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +9 min

Doug, 68, has worked for the last 40 years as a computer consultant — the last three from his sailboat traversing Europe. They now live on their boat on the French Riviera, which Doug said is cheaper than living in the US. He decided to buy a sailboat and sailed to Fort Lauderdale shortly after 9/11, where Doug continued to work with Fortune 500 clients. Settling on the French RivieraThey sailed for France the following April, stopping in countries such as Malta and Tunisia. Six months later, they settled in Port Grimaud on the French Riviera, where they paid $15,000 a year in marina costs in "rent."

Persons: He's, Doug, he's, We'll, we're Organizations: Service, Business, Michelin, Fortune, America, Port Montenegro Locations: California , Texas , Indiana, Massachusetts, Provence, Italy, Boston, California, Dallas, Indianapolis, Maine, New England, Fort Lauderdale, Florida, Caribbean, Europe, South America, Genoa, Dubrovnik, Croatia, Corsica, France, Elba, Sardinia, Sicily, Bari, London, Istanbul, Vienna, Budapest, Hungary, Port, Tivat, Montenegro, Cairo, Athens, Greece, Malta, Tunisia, Port Grimaud, Grimaud, Saint, Majorca, Spain, Lisbon, Portugal, Beijing, Shanghai, Xian, China

☆ Eli Lilly's earnings rally is not done yet — plus, why TJX has stayed resilient in the volatility
▼ + stars: | 2024-08-09 | by ( Jeff Marks | ) www.cnbc.com time to read: +5 min

Every weekday, the CNBC Investing Club with Jim Cramer releases the Homestretch — an actionable afternoon update, just in time for the last hour of trading on Wall Street. It's a big one for retail with earnings from Home Depot and Walmart and, more broadly, the Commerce Department's July retail sales report. As a subscriber to the CNBC Investing Club with Jim Cramer, you will receive a trade alert before Jim makes a trade. THE ABOVE INVESTING CLUB INFORMATION IS SUBJECT TO OUR TERMS AND CONDITIONS AND PRIVACY POLICY , TOGETHER WITH OUR DISCLAIMER . NO FIDUCIARY OBLIGATION OR DUTY EXISTS, OR IS CREATED, BY VIRTUE OF YOUR RECEIPT OF ANY INFORMATION PROVIDED IN CONNECTION WITH THE INVESTING CLUB.

Persons: Jim Cramer, Eli Lilly, Cowen, TJ Maxx, we'll, Jim Cramer's, Jim Organizations: CNBC, Taiwan Semiconductor Manufacturing Company, Apple, Nvidia, Management, Home Depot, Walmart, Commerce, TJX, Reserve, Jim Cramer's Charitable Locations: Marshall's

☆ A woman gave 2 weeks' notice but was fired on the spot. Employment lawyers say it's not ethical, but it is legal.
▼ + stars: | 2024-08-09 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +7 min

Read previewA woman who said she would be handing in her two weeks' notice at work was shocked when her company terminated her employment immediately without pay. She said she would give her two weeks' notice when she was ready. Afraid You Might Be," told BI that this is when the phrase "at will" matters. Jessica B. Summers, principal employment and labor attorney at Lerch, Early, & Brewer, told BI nobody was technically in the wrong in this case. "So when an employee says they are leaving, absent a contract, the employee does have the legal right to end the relationship before the last day proposed by the employee," Summers said.

Persons: —, Kelsi, Tom Spiggle, Spiggle, Jessica B, Summers, Brewer, Andrew Zelman, doesn't, Jonathan Hinton Westover, Janice Killion, Killion Organizations: Service, Business, BI, Washington DC, Fort, Utah Valley University Locations: Washington, Lerch, Montana, Berger, Fort Lauderdale

☆ Venture capital's new reality check: 'A ton of people looking to get out everywhere'
▼ + stars: | 2024-08-09 | by ( Sri Muppidi | ) www.businessinsider.com time to read: +12 min

PitchBook forecast in a May report that venture firms would raise less than $200 billion in 2024, a 48% drop from the industry's peak in 2021. "They may not see any carry dollars for a long time, maybe into full deployment to the next fund," the growth-stage principal said. AdvertisementBut this type of internal competition, including deal theft and sabotage, has always existed, the growth-stage principal added. 'A ton of people looking to get out everywhere'As the market continues to correct itself, more turnover is likely. "I know a ton of people looking to get out everywhere," the growth-stage principal said.

Persons: —, Michael Moritz, Combinator, they're, Will Champagne, it's, Ellis, Rebecca Zisser, VCs, Junior VCs, there's, Champagne, I'm, inbounds, I've Organizations: Service, Business, TechCrunch, Venture, Bay Area, Big Law, Kirkland, Haize Labs, Area, Junior

☆ The 3 worst things about being an Uber or Lyft driver
▼ + stars: | 2024-08-09 | by ( Jacob Zinkula | Noah Sheidlower | ) www.businessinsider.com time to read: +10 min

In the second quarter of this year, Uber drivers completed 2.2 billion trips across the company's ride-hailing and delivery platforms; Lyft drivers completed roughly 200 million trips. Avedian shared what he considers to be the top concerns of Uber and Lyft drivers: declining pay, driver safety, and wrongful deactivations. An Uber spokesperson told BI that drivers, on average, make more than $30 an hour while active in the app. AdvertisementGeorge, a full-time Uber driver in Cleveland who has driven since 2017, said he wants to quit but has few other options. AdvertisementJulie, a part-time Uber driver in Cleveland, hasn't always felt safe during her five years in the gig economy, she previously told BI.

Persons: —, Lyft, Sergio Avedian, Guy, Uber, Dara Khosrowshahi, Avedian, David Risher, George, Julie, hasn't, Aaron Lavender, Lavender Organizations: Service, Business, Wall, Wednesday, Drivers, BI, UC Berkeley, Uber, Lyft Locations: Cleveland, Colorado, Oregon

☆ 41% say the American Dream is impossible to reach now, survey finds—how they define success instead
▼ + stars: | 2024-08-09 | by ( Ashton Jackson | ) www.cnbc.com time to read: +3 min

For some Americans, the American Dream has become more like a vision. That's according to a recent Pew Research Center survey, in which more than 8,700 U.S. adults were asked to describe their views of the American Dream. "The American Dream is changing, according to small-business owners," Fara Howard, GoDaddy's chief marketing officer, told CNBC Make It at the time. Thirty-one percent said they'd already achieved the American Dream, and 36% said they were on the right path toward it. "These views are nearly identical to when the Center last asked this question in 2022," the Pew report noted.

Persons: —, it's, Raj Chetty, Chetty, Michael Sandel, GoDaddy, Fara Howard, Gen Z, Ted Rossman, they'd Organizations: Pew Research Center, CNBC, Harvard University, Harvard's Kennedy School of Government, Harvard Locations: U.S, homeownership

☆ The UK's Fittest Man consumes 5,000 calories a day — mostly carbs. He shares how he trains, eats, and recovers to prepare for the CrossFit games.
▼ + stars: | 2024-08-09 | by ( Rachel Hosie | ) www.businessinsider.com time to read: +5 min

Read previewHarry Lightfoot, 25, is the UK's Fittest Man for 2024 and is set to compete at this year's CrossFit Games, which kick-off on Thursday. Lightfoot only started CrossFit at the age of 18 because he thought it would help his rugby career. After finishing first in his country's CrossFit semi-finals, he earned the title of UK's Fittest Man for 2024. "We all come together and we do the same thing, which is really, really cool. Harry Lightfoot does a range of activities as part of his CrossFit training.

Persons: —, Harry Lightfoot, Lightfoot, he's, aren't, He's Organizations: Service, Business, CrossFit Locations: carbs

☆ My great-aunt is 96 and still lives independently. Here are her 8 secrets to a long and healthy life.
▼ + stars: | 2024-08-09 | by ( Rebecca Strong | ) www.businessinsider.com time to read: +7 min

Read previewMartin Luther King, Jr. once said: "The quality, not the longevity, of one's life is what is important." But at 96 years old, my great-aunt Mary Selby Ferrari is living proof that you can have both — a long and full life. Ferrari, meanwhile, still lives on her own in the independent-living section of a retirement community. She makes it a point to stay informed"I used to be a great reader," Ferrari told me. And she hit the genetic jackpotIt would be impossible to talk about Ferrari's long life without addressing her mother's centenarian status.

Persons: —, Martin Luther King, Jr, Mary Selby Ferrari, Ferrari, COVID, Mary Ferrari, Dan Buettner, who's, hasn't, Barbara Cavalieri, The New York Times she'll Organizations: Service, Business, College of New, Catholic, Blue, Ferrari, MSNBC, The New York Times Locations: College of New Rochelle, New York City, Manhattan

☆ I'm not paying for my kids' college tuition unless they want to be doctors or lawyers. Money isn't the issue — the ROI has to be worth it.
▼ + stars: | 2024-08-09 | by ( Robin Madell | ) www.businessinsider.com time to read: +6 min

I have six children between the ages of 5 and 11, and I've told them I won't pay for college except in very limited circumstances. I'm actively encouraging my kids to consider other options and how much ROI they'll get from college. One of the most interesting responses I've gotten from my kids is asking how they can make money now. Not paying for college might force them to be more financially responsible, but only if they choose — or try — to pay for college themselves. I want them to learn to be financially responsible and viable by earning money, with or without college.

Persons: —, Bobby Kittleberger, I've, I'm, they've, They're, it's, I'd, We've, We'll, Lauryn Haas Organizations: Service, Business, Colleges, YouTube Locations: Staunton , Virginia, Virginia, lhaas@businessinsider.com

☆ 'There's a reckoning happening': An underrated risk will crater property values in high-risk markets by up to 60%
▼ + stars: | 2024-08-09 | by ( James Faris | ) www.businessinsider.com time to read: +5 min

That's made Burt even more confident about his long-held thesis, which many property owners are ignoring. For example, flood insurance costs in coastal cities could rise from $5,000 per year to $15,000 under the updated national flood insurance pricing set by the Federal Emergency Management Agency (FEMA), Burt said. And that's assuming flood risk doesn't continue to rise over time, which Burt believes is unlikely. That would be disastrous for all property owners in those markets, even those not trying to sell. Homeowners in cities most vulnerable to the effects of climate change should be sweating, if they aren't already.

Persons: David Burt, Michael Lewis, Burt, That's, I'm, it's Organizations: Service, Business, Federal Emergency Management Agency, FEMA Locations: Lee County , Florida, Fort Myers, Paris, that's

☆ Wells Fargo says buy stocks, not the stock market now. Here's its bargain list
▼ + stars: | 2024-08-09 | by ( Brian Evans | ) www.cnbc.com time to read: +2 min

Recent market turbulence has unearthed some bargain prices for momentum stocks, according to Wells Fargo. He suggests that investors "buy stocks, not the stock market." Here's a closer look at stocks Wells Fargo is eyeing in light of the recent market volatility. Shares of the Facebook parent have gained roughly 45% in 2024, but have slumped 3% over the past month. Eli Lilly has climbed 53% in 2024, but is down roughly 8% over the past month.

Persons: Wells, Christopher Harvey, Harvey, Harvey isn't, Blayne Curtis, Eli Lilly, Lilly, Zepbound Organizations: Services, Nvidia, Jefferies, Facebook, Meta, LSEG, Netflix Locations: Wells Fargo, U.S, Wells

☆ Gen Z isn't impressed by Tesla cars. That should worry Elon Musk.
▼ + stars: | 2024-08-09 | by ( Jaures Yip | ) www.businessinsider.com time to read: +5 min

A recent survey of Morgan Stanley's 2024 interns found that the "Tesla 'cool factor' is cooling" among Gen Zers in the US. Despite competition in the EV market becoming stiffer than ever, Tesla has not majorly refreshed its aging car models in years. AdvertisementInstead, Musk has been pivoting Tesla's future toward robo-taxis, but Gen Z doesn't seem interested. Robo-taxis will likely not be Tesla's saving grace, as 51% of Gen Z interns surveyed said they thought owning or leasing a car would still be necessary by 2030. AdvertisementAnd, for the Gen Z interns surveyed, it probably won't be an EV at all.

Persons: —, Morgan Stanley's, Zers, Morgan Stanley, Mercedes, Ivan Drury, Elon Musk, Drury, Gen Zers, Tesla, Musk, Z Organizations: Service, BMW, Business, EV, McKinsey Locations: Edmunds, Ukraine

I didn't, and managing my money manually has been a major learning experience. For the last six years, focusing on my personal finances has been one of my main goals. However, some of the advice I received wasn't the right advice to follow, and I'm glad I didn't — especially the advice that came from a friend of mine who was on a mission to become a millionaire by age 40. Consider a financial advisor. Finding a financial advisor doesn't have to be hard.

Persons: —, doesn't Organizations: Service

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