• Last month, China unveiled a mosquito-like spy drone designed for covert military operations.
• The drone's size and weight could limit its uses on the battlefield, military analysts told BI.
• It could still prove to be an effective new surveillance tool, experts say.

Last month, China's National University of Defense Technology unveiled a new spy drone designed to look like a mosquito.

Showcased on the state-run CCTV-7 military broadcaster, the micro-drone appeared to be roughly the size of a human fingernail and featured tiny, leaf-like wings and thin, wiry legs.

While it may not look as impressive as some of the bigger unmanned systems coming out of Ukraine, its stick-thin body is said to be equipped for a range of covert surveillance and military operations.

"As a drone to surveil buildings, especially on the inside, I can imagine it being quite useful for video feeds," Herb Lin, a senior research scholar at Stanford's Center for International Security and Cooperation, told Business Insider.

But its small size may limit its uses on the battlefield.

"If it's real, and powered conventionally (with a battery), its longevity in the air will be limited by battery capacity," Lin said. "Also, it's very light, and therefore easily buffeted by winds. These factors suggest it isn't particularly useful for wide-area surveillance."

Drones can be highly sensitive to weather, in particular strong winds, rain, snow, cold weather, and fog.

And the smaller an aerial drone is, the more susceptible it is to such conditions, Samuel Bendett, an advisor with the Center for Naval Analyses and drone expert, said. "Even indoors, there can be conditions that could interfere with this drones' performance, such as even a slight breeze, an air flow from an AC, an open window, or other obstacles."

Communications are another issue to consider, Bendett continued, as the drone's size means it's unlikely to be able to carry much advanced equipment.

"While it is technically possible to build a tiny UAV like the one displayed by the Chinese developers, its actual performance is likely to greatly vary," he said.

Others say that the new drone is a sign of China's continuing innovation in the sector.

Michael Horowitz, a senior fellow for technology and innovation at the Council on Foreign Relations, said it showed "Chinese researchers in particular want to push forward technological innovation in drones."

It remains unclear how real the capability is, how soon China could field the tech, or the type of missions it could use them for, he added.

• After graduating from Yale, I moved back in with my parents in a low-income building in Brooklyn.
• When I was growing up, I became close with all my neighbors who struggled with poverty.
• Returning home after living on an Ivy League campus has been confusing.

Four years ago, when people asked me which part of college I was most excited for, I always said having my own room.

Yale's dorms were a welcome change from the living conditions in my Brooklyn neighborhood. On the outside, the place my parents rented looked like any other two or three-family house, but inside, every floor was leased out to multiple families.

My upbringing was many things: love and a chorus of voices that included a Vietnam War veteran, four children, and an expert crocheter. They were all my neighbors — many of them low-income. Every evening, we gathered for communal dinners, sharing stories and laughs. But privacy was never part of the equation.

I left that environment for the private world of the Ivy League, living in dorms that radiated privilege.

And then I blinked, and last May, I graduated. After four years, I stepped out of the privilege, access, and relentless ambition that Yale had afforded me and returned to my family's Brooklyn home.

Moving home after college was a jump back to reality

When I arrived at my apartment after graduation, the first thing I did was hug one of the younger tenants, a 10-year-old girl I consider my sister. She waited for me at the door with flowers — a belated graduation present, she said. Later that evening, with her mother's permission, we took the N train to her favorite spot: Coney Island Beach and Boardwalk.

We had to make a pit stop at Coney's Cones, of course. Inside, she stood on her tiptoes, squinting at the selection of gelato and sorbet. "Eyeglasses," I wrote in my notepad of things to buy for her. I leaned down and whispered, "Don't look at the prices. Get anything."

Once we were seated, I asked how things had been. She told me that they were the same. At school, she enjoys math but dislikes writing, and the staircases in the projects still reek of cigarettes, but at least the neighbor's cat comes by once in a while to play with her.

"It's kind of lonely without you here," she suddenly blurted.

I tried to explain that I had to leave for college, that it wasn't about her. I wanted to say something — to fix her loneliness, her abandonment — but my mouth was just a home for my teeth. I reached for her hand, and we exited the café, heading toward the line to purchase Ferris wheel tickets.

I couldn't help grow solemn. The sad reality of building relationships with other tenants is that there is nothing more we wish than to see each other leave the situation we find ourselves in. No one wishes to live in the projects forever. This means saying goodbye at some point — and leaving loved ones behind.

I'm now thinking more about what it meant to be at Yale

An elite education doesn't guarantee stability or a sense of belonging, especially not for first-generation graduates navigating the job market. We often lack a safety net and carry the weight of family responsibilities. What my Ivy League education does offer is a chance: the foundation to build a future for myself and my family.

Still, many of my neighbors and friends remain where they've always been, caught in cycles of poverty, domestic trauma, and systemic injustice. The pandemic only further crippled those living at or under the poverty line.

College was never the finish line. It was the beginning of a more complicated story — one in which I must navigate ambition with memory, privilege with purpose, and personal advancement with a renewed commitment to support others in my community through their struggles, especially those without access to open doors.

But the truth is, it took a village for me to get to Yale, and many of my greatest supporters were not related to me by blood.

I'm trying to reconcile my future with my family's and neighbors'

Inside the Ferris wheel gondola, just as we were about to reach the top, my apartment-mate proudly took out a fluffy purse that I had bought for her 8th birthday. It was heavy, full of coins. She told me that her mother began paying her 50 cents for taking out the trash or washing the dishes, and one of our neighbors occasionally hires her to water his plants.

"Wow, you're rich," I said, nudging her playfully.

We laughed, and the setting sun caught our faces. In the distance, the waves rolled back and forth, and I wondered how many more times I'd get to share these moments with her before the world pulled us apart again. I won't let it.

• Sierra is TJX's outdoor lifestyle brand, selling apparel, gear, home goods, and pet products.
• It's still relatively small, but TJX said the chain could grow to 325 locations.
• Business Insider visited a store for a closer look at T.J. Maxx's younger, sportier sibling.

Shopping for outdoor lifestyle stuff is normally a quick way to burn a lot of cash.

Whether at Dick's Sporting Goods or REI, well-made apparel and gear usually come at a premium price — even with the occasional coupon or sale.

My consumer experience with activewear (and inactivewear), shoes, and other accessories led me to believe the relationship between quality and price was somewhat fixed.

That was before I discovered Sierra.

I gave my local store in Madison, Wisconsin, a look for the first time a few years ago.

I've done plenty of shopping at Sierra's more widely known siblings, T.J. Maxx, Marshalls, and HomeGoods, and I never really felt the spark that keeps die-hard Maxxinistas coming back. Yes, the discounts at those stores seem large, but I'm not always able to tell if the price is actually a good value — especially if I don't recognize the brand.

Scanning the racks at Sierra was a different story, however. These were brands that I knew and trusted, like Smartwool, Carhartt, and more.

Each time I came back, I wondered why the Sierra brand wasn't more widely known relative to TJX's other brands and even other outdoor retailers.

It turns out, the reason is pretty simple. The brand was, and still is, fairly small and a more recent addition to the TJX portfolio.

Originally called Sierra Trading Post, the company started as a catalog company in 1986 in Reno, Nevada. It later moved to Wyoming and launched its e-commerce business in 1999.

TJX acquired it for $200 million in 2012. The first TJX-owned stores were located in Denver, followed by its first East Coast location in Burlington, Vermont.

In 2018, with a fleet of a few dozen stores, TJX relocated the company's headquarters to its main offices in Framingham, Massachusetts, and dropped the "Trading Post" from the name. The brand has since been on a growth spurt, on track to have 137 US locations by the end of this year.

In the longer term, TJX said it expects the brand to have 325 locations, more than triple the number of stores it had a year ago.

That gives Sierra the fastest growth rate of any brand in the TJX portfolio, though in fairness, T.J. Maxx and Marshalls have more than 2,500 US locations combined, so their growth is slower.

Sierra's tiny stature means it barely receives individual mention in TJX earnings calls beyond annual announcements of planned store openings, per equity research platform AlphaSense.

Out of the spotlight, Sierra has nevertheless been busy.

Foot traffic data from Placer.ai found that customer visits doubled between 2019 and 2022, driven in part by a pandemic-era rush to spend more time outside. While some of that increase is a result of simply having more stores, visits per store were also up, Placer.ai said.

In one of Sierra's rare mentions, TJX CEO Ernie Herrman characterized the store's assortment as "moderate to very high end " in 2022. My experience certainly supports his assessment.

Some recent treasure-hunt finds include the pair of Fjällräven pants I got, the pair of Lodge cast iron enamel dutch ovens in my kitchen, and an ever-expanding collection of insulated drinkware from Yeti, Stanley, and Hydro Flask.

High-quality items from known brands have also given me the confidence to try unfamiliar offerings from the store's assortment, and I am rarely disappointed. Hydrapeak's mugs may not have the current cultural cachet of Stanley's cups, but they do a solid job for a fraction of the price.

Sierra's selection can be somewhat limited compared to a traditional retailer's, but I almost always find something worthwhile. I now make a point of checking Sierra before or after trips to REI and Dick's.

Neither of those competitors is sleeping on Sierra, though.

In addition to its Public Lands stores, Dick's has recently experimented with clearance stores like the Warehouse Sale and Going Going Gone. And the online REI Outlet offers deep discounts on many of the items the co-op carries in its stores.

Still, Sierra has been in the game for a long time online, and its physical presence is expanding at a rate that could see it match REI's store count in just a few years.

Another difference is that, unlike other national or regional outdoor lifestyle chains, Sierra's parent company is a powerhouse of off-price retailing.

TJX's fingerprints are all over Sierra's stores, and the combination of its tried-and-tested playbook with this retail category makes the small but mighty brand an exciting one to follow.

• This post originally appeared in the BI Today newsletter.
• You can sign up for Business Insider's daily newsletter here.

Welcome back to our Sunday edition, where we round up some of our top stories and take you inside our newsroom. BI's Jake Epstein spent the night aboard a US Navy destroyer traveling from England to France. He said the space was tight, as he got a taste of what daily life is like.

By the way, you can get the latest on modern warfare, defense tech innovations, and more with BI's new Defense Flash delivered to your inbox every week. Sign up here!

On the agenda today:

• Inside Silicon Valley's $100 million salary divide.
• It's the age of the "Zillow Ban." Here's what homeowners should do.
• Amazon rolls out a stricter performance review process, BI exclusively reports.
• Wall Streeters told BI the hottest restaurants, bars, and clubs in the Hamptons.

But first: BI has the receipts on the impact of AI data.

If this was forwarded to you, sign up here. Download Business Insider's app here.

This week's dispatch

Tallying the full costs of AI

To fulfill the promise of AI, data centers have sprung up around the country, using water, land, and electricity to deliver computing power for the booming tech.

A team of BI reporters and editors sought to quantify the spread of these centers and show the impact on their surroundings. I chatted with two lead reporters on the project, Hannah Beckler and Dakin Campbell, about their takeaways.

Hannah, Dakin, in a nutshell, how many data centers are there in the United States, and how fast is the boom happening?

There are 1,240 data centers either built or approved for construction in the United States. That's four times as many as there were in 2010.

What is the biggest worry with the spread of data centers — the green space they use, the water, the electricity? And if these concerns are urgent, why aren't towns pushing back?

Electricity and water use are large concerns because they are limited resources. But data centers often bring tax revenue, which towns use to build roads, schools, and fire stations. Public officials have been caught in the middle, with some towns pushing back and others openly welcoming the industry with tax breaks.

Are there benefits to data centers, both for nearby property owners and for the promise of AI?

AI could usher in tremendous benefits, from business savings to life-saving science. Many also argue that a leading AI industry bolsters national security. For nearby property owners, the benefits are typically the tax revenue their towns collect, short-term jobs in construction (which can also bring road congestion), and perhaps a few dozen longer-term tech jobs in their community.

For the future, what are the most important issues about data centers that people should be watching?

The largest tech firms understand that public opinion is mixed about their use of resources like power and water, and they are taking steps to improve their efficiency. It will be critical to see whether they will find ways to use less water and more renewable energy.

Big Tech's winner-take-all era

In Silicon Valley, companies like Meta and OpenAI are offering eye-popping pay packages to technical hires to secure the best talent in the AI race.

At the same time, however, rank-and-file tech workers are being laid off by the thousands. The result is an uneven shift that's going all-in on AI while squeezing other areas of innovation.

The great salary divide.

Also read:

• In Silicon Valley, it is the summer of comp FOMO as Meta and OpenAI offer tens of millions of dollars to lure top AI talent
• Mira Murati's secretive new startup is dangling $500,000 salaries for top talent

The "Zillow Ban" is here

Zillow's new policy blacklists any homes that are shared publicly by an agent without being posted to the local databases that inform the rest of the real estate industry. It's part of Zillow's ongoing battle against big brokerages to crack down on "exclusive inventory" — home listings that are shared in some places but not others.

The fight leaves homebuyers and sellers in a weird spot, but not a powerless one. The rules of the game are changing, and consumers should know exactly what they're getting from their agents and how much they'll be paying them, writes BI's James Rodriguez.

What homebuyers should do.

Amazon toughens up reviews

How do you measure culture? That's a question Amazon managers will now have to deal with, thanks to a new performance review process the Big Tech company is instituting.

Starting this mid-year review cycle, Amazon managers will use a three-tier system to rank how employees demonstrate the company's core values, which it calls Leadership Principles, in their work, per an internal memo seen by BI's Eugene Kim.

It's the first time company culture is formally part of reviews.

Hot spots in the Hamptons

The Hamptons have long been a favorite summer outpost for Wall Street's bankers and traders. BI spoke to current and former finance industry professionals, as well as some Hamptons locals and business proprietors, to find the buzziest spots out east.

Montauk's Surf Lodge was the most mentioned, but insiders also named scene-y restaurants like Le Bilboquet and low-key sites like Shinnecock, an ultra-exclusive golf club.

See the list.

This week's quote:

"You are in a job interview for the whole internship."

— Wendy Lewis, managing partner of KPMG's Richmond, Virginia office, on her advice for Big Four summer interns looking to stand out.

More of this week's top reads:

• Everyone is saying AI will reshape banking. A new report forecasts exactly how much.
• 4 signs the economy is in worse shape than we thought.
• What Diddy's guilty verdict and civil suits mean for his net worth, music catalog, and brands.
• Generative AI is making running an online business a nightmare.
• Most Americans aren't paying attention to a key part of retirement that has nothing to do with investing.
• Leaked docs show how Meta is training its chatbots to message you first, remember your chats, and keep you talking.
• 4 ways Trump's 'big beautiful' tax bill could affect your wallet.

• ChatGPT has entered the group text.

  ---

  The BI Today team: Jamie Heller, editor in chief, in New York. Lisa Ryan, executive editor, in New York. Akin Oyedele, deputy editor, in New York. Grace Lett, editor, in New York. Amanda Yen, associate editor, in New York.

• Antara Dave was hired by Microsoft after initially being rejected a year earlier.
• She improved her design skills and gained experience at Home Depot before reapplying.
• Dave emphasized critical thinking and AI knowledge for aspiring Microsoft designers.

This is an as-told-to interview based on a conversation with Antara Dave, a senior product designer at Microsoft who leads user experience for AI tools. She's worked at the company since 2022. This story has been edited for length and clarity.

Microsoft was and still is my dream company.

I applied one year before I got this job and was rejected. They gave some basic feedback on what I needed to learn, so I focused on that. I switched jobs at the company I was working, Home Depot, to get more of the real experience in design they were looking for.

When I applied again a year later, I did not have any referrals inside the company. I just applied to the Microsoft portal and got a call and went from there. After an initial job interview with the manager, I was brought in for a full interview day that lasted around five hours.

There was a one-hour interview where I presented my work to a bunch of people on the team, around 20 people. They also asked me questions about my project to understand how I made those design decisions. They wanted to learn how I approach and think about problems. There were a lot of questions on accessibility as well, because inclusivity is a big part of Microsoft, and they want to make sure that all the products that we make are accessible for all types of people.

The other three or four hours were one-on-one interviews with people in various roles. The last interview I had was with the "principal researcher" to make sure I matched up with their expectations. It was very raw and very honest. They want to know your personality and what things you have faced in the past.

They also dug deeper into my core values to ensure that aligned with the company. I've found Microsoft values diversity and inclusion, curiosity, good communication, collaboration, and accountability. Without curiosity, you are not going to learn. You also have to be very collaborative and friendly with each other. And of course, you are going to make mistakes, but you're expected to be humble and accountable.

What I did right during the interview

I actually enjoyed the entire interviewing process with Microsoft, and everyone was really friendly. But I was very nervous at the start because it was my dream company. As the interview process went by, I got more and more comfortable because it was not just them asking me questions. I was also asking them questions to learn about the company, the projects, the people, and the culture of the team.

One thing I did very well was my portfolio presentation because I had a lot of good visuals. There's a very good way to explain your thinking behind your projects with a lot of visual storytelling, starting with what the problem is, then how you tried to solve that problem, and what was the impact of the solution that you brought on. Was there any revenue impact or usability impact that improved? Showing the impact of a project matters more than anything.

I also think showcasing your personality and never hiding who you are helps. I was very authentic to who I am during the interview. They just want to see who you are.

One of my questions was, "Has there been a time where you were given critical feedback?" When I was at Home Depot, I had just joined the corporate world, and I was a little shy in expressing my ideas. After my initial few months, I was told, "You have great inputs, but you never share those. Why don't you share more?" So I told the interviewer at Microsoft how I handled that: I started raising my hand. I had one-on-one meetings with people so that I could be more comfortable sharing my insights and ideas.

They truly wanted to understand whether I'm aware of my strengths and weaknesses and how I'm working towards that, so I told them.

Advice for others who want to work at Microsoft

For others who want to get a job as a designer at Microsoft, develop your critical thinking skills. Design without critical thinking just becomes decoration. Design with critical thinking becomes impact.

I have a master's degree in engineering. Having any higher degree helps you build critical thinking because you are involved in all these complex projects. My ability to question and being OK with complexity, being uncomfortable, all of it is because I have been conditioned that way in my master's, because things were difficult and you had to find solutions and you had to talk with people.

In the era of AI, having knowledge of AI and LLMs is core now. You should also learn to "vibe code," which relies on AI to produce code. You don't necessarily need to know coding, but you need to know how to talk with an AI chatbot and know exactly how to give the right prompt.

The AI world is moving very fast, and everyone who wants to join Microsoft should start playing with all the different AI tools that are out there.

Do you have a story to share about your career or landing your dream job? Contact this reporter at [email protected].

• Chickpeas are rich in plant compounds that can lower your cholesterol.
• People who ate a cup of chickpeas per day for 12 weeks lowered their cholesterol to healthy levels.
• Here are some of the cheapest, easiest recipes they used.

Turns out, not all beans are created equal.

While black beans seem to be great at fighting low-grade chronic inflammation, chickpeas are more of a cholesterol-lowering powerhouse, according to recent research from Illinois Institute of Technology.

In a three-month study, researchers asked a group of roughly 24 prediabetic people to eat a cup of black beans every day, while another group of 24 with prediabetes was given chickpeas. In a third control group, participants cooked white rice.

By the end of just 12 weeks, the researchers noticed significant differences in inflammation levels for the black bean eaters, while chickpea eaters had a greater effect on their total cholesterol, moving from at risk (with an average total cholesterol around 200 mg/dL) into a heart-healthy range (186 mg/dL).

Chickpeas have cholesterol-lowering power

The reason why different beans house different health benefits probably has to do with the chemicals that color them and make each bean unique.

While the phytochemicals that make black beans black are known to have more anti-inflammatory properties, golden chickpeas have more of other plant chemicals called phytosterols, which are cholesterol-lowering compounds.

This is why nutrition buffs often recommend eating a wide variety of different colored plants, including fruits, vegetables, beans and whole grains. By eating a rich diversity of colorful whole foods, you'll enjoy the complex natural "food matrix" found inside each one, lead researcher Indika Edirisinghe told Business Insider.

"It contains protein, it contains lipid, it contains fiber, vitamins, minerals," and different combinations of each from bean to bean, he said. "Somebody can synthesize artificial bean by adding all the nutrients, but I don't think you're going to get the same effect."

Registered dietician Joel Ramdial, who was not involved with this study, is the director of nutrition at Southeast Missouri State University's department of sport sciences. He told BI that beans are one of the most dense and varied sources of dietary fiber you can find, making them a great ingredient to mix into your next meal.

"You can blend them up and mix them into things, you can roast," he said. "You can put them in soups, you can mix them into sauces."

In order to make it easier on research participants to include a cup of chickpeas per day in their diets, Edirisinghe and his team equipped their study volunteers with canned chickpeas, a measuring cup, and several easy recipes.

Here are 5 chickpea recipes scientists recommend to lower cholesterol:

Cool ranch chickpeas

Ingredients:

• 2 15 oz. cans of chickpeas, drained and rinsed
• 1/2 cup of extra virgin olive oil
• 2 tbsp. of ranch seasoning

Directions:

1. Preheat oven to 400F
2. Dry chickpeas well with paper towels
3. Spread onto a large baking sheet in an even layer
4. Bake until golden and crisp, 30 minutes
5. In a large bowl, toss the hot chickpeas with oil and seasoning
6. Spread out onto the baking sheet and bake for five more minutes
7. Remove from the oven. Chickpeas will continue to crisp as they cool.

Tomato cucumber feta salad with chickpeas

Ingredients:

• 1 15 oz. can of chickpeas, drained and rinsed
• 1 large cucumber, chopped
• 1 pint of cherry tomatoes, preferably multi-colored, halved
• 1/2 white onion, chopped
• 1/2 cup of feta cheese
• 1/4 cup of extra virgin olive oil
• 2 tbsp. of red wine vinegar
• Salt
• Pepper
• 2 tbsp. of fresh cilantro, chopped

Directions:

1. In a large bowl, combine the cucumber, tomato, chickpeas, and onion
2. In a small bowl, whisk together the oil and vinegar. Season with salt and pepper. Add to the large bowl and toss to combine.

3. Top with feta and cilantro

Honey sesame chickpeas

Ingredients:

• 1 15 oz. can of chickpeas
• 1 small onion, diced
• 2 cloves of garlic, minced
• 1/2 cup of honey
• 1/3 cup of soy sauce
• 2 tbsp. of toasted sesame oil
• 1 tbsp. of rice wine vinegar
• 2 tbsp. of vegetable oil
• 1/4 tsp. of crushed red pepper flakes
• 1 tsp. of fresh grated ginger
• Cooked rice, for serving
• Sesame seeds and sliced scallions, for garnish

Directions:

1. Put the diced onion, minced garlic, honey, soy sauce, sesame oil, vinegar, vegetable oil, red pepper flakes and ginger in a medium saucepan.
2. Add some water and bring to a boil
3. Reduce to simmer and cook for five to 10 minutes, until slightly thick
4. Add the chickpeas and return to a boil
5. Reduce heat to medium-low and simmer for 10 minutes, until chickpeas are coated and sauce is thick

6. Serve over cooked rice, and garnish with the sesame seeds and sliced scallions, if desired

Chickpeas with leeks and lemon

Ingredients:

• 2 cups of chickpeas
• 4 leeks
• 1/2 lemon
• 1 branch of fresh rosemary
• 1 clove of garlic
• 1/4 cup of extra virgin olive oil
• Salt

Directions:

1. In a large skillet, heat the olive oil, garlic, and rosemary over medium heat
2. Once the garlic turns fragrant and the rosemary starts to sizzle, remove the rosemary and set it aside
3. Add the leeks to the pan, along with a good pinch of salt
4. Cook, stirring often, until the leeks are soft and sweet but still green, around five to eight minutes
5. Add in the chickpeas, and continue to cook, turning the beans in the oil, for five more minutes. The chickpeas should darken slightly in color.
6. Using a microplane or zester, add a few scrapes of lemon zest into the pan, plus a squeeze of lemon juice
7. Stir to combine
8. Season to taste with lemon juice, zest, or salt as needed

Roasted chickpea gyros

Ingredients:

• 1 15 oz. can of chickpeas
• 4 pita flatbreads
• 1 cup of tzatziki sauce
• 2 lettuce leaves, roughly chopped
• 1 tomato, sliced
• 1/4 red onion, cut into strips
• 1 tbsp. of olive oil
• 1 tbsp. of paprika
• 1 tsp of black pepper
• 1/4 tsp of salt

Directions:

1. Preheat oven to 400F
2. Pat the chickpeas dry with paper towels, removing any skins that come off
3. In a large bowl, gently toss the chickpeas with the oil, paprika, black pepper, cayenne pepper, and salt
4. Spread the chickpeas onto a greased, rimmed baking sheet and roast for roughly 20 minutes, until lightly brown but not hard
5. Spread tzatziki on one side of the pita bread, then sprinkle in 1/4 of the chickpeas, and add your veggies
6. Fold and enjoy!

• When I was younger, I told myself that if I didn't have kids by 25, I wouldn't have them.
• All the women in my life had been young moms, and I wanted to be a young mom, too.
• I ended up having my kids at 37 and 40, and I now see the benefits of being an older parent.

From the time I started playing with dolls, I wanted to have babies of my own. By the time I was 15, I knew I wanted to be a young mom. I told myself that if I didn't have babies by the age of 25, I wouldn't have children.

When I was born, my father was a few weeks shy of his 25th birthday. By then, he already had a Ph.D. and a steady job as a college professor. My mother was 20 and a stay-at-home mom. Having children young and the roles they played in our family, as well as my father's professional stability, were not uncommon for their generation.

My parents divorced when I was 5, and my younger sister and I were raised by my dad. Eventually, my father remarried to a woman who was only 10 years older than I am, and they had two more children; my stepmother was also in her early 20s when she had my brother and sister.

My grandmother, who helped raise me, had also been a young mother. So to me, it made sense to follow in all these women's footsteps. Back the, being 30 sounded ancient to me. I didn't want a big generational gap between my children and me.

I was in my early 30s, childless and single, and still pining to be a mom

Through most of my 20s, I was in a long-term relationship with a man 11 years my senior who had two kids of his own. He wasn't partial to having more children, but I was young and naive and, of course, I was sure I could change his mind. Instead, we broke up.

Suddenly, I found myself single and childless in my early 30s. I dated around and had a few short-term relationships, but the desire to have babies did not wane one bit. At one point, I told my grandmother that I didn't care whether I adopted, did IVF, or got pregnant inadvertently. I wanted babies, and I wanted them now.

Then I met a guy four years younger than me who seemed like a breath of fresh air — no ex-wives, no kids, no bitterness. My biological clock was not just ticking; it was ringing the alarm! So, a year late, we got married, and a year after that, we decided to try to conceive.

It took a while, but I finally had my first baby just a few months shy of my 38th birthday. My second came when I was almost 41. Although both pregnancies were considered geriatric, I didn't feel I was "too old" during either pregnancy, and I was perfectly happy chasing toddlers in my 40s.

The advantages of being an older parent

Though 25 was my initial cut-off to have kids, I wouldn't have been ready by then. I had been battling bulimia for 10 years and was also suffering from bouts of depression. It took me another decade to sort myself out through therapy, 12-step groups, and medication.

When I started trying to conceive, I was in the best shape of my life, and I took excellent care of myself during both pregnancies. Looking back, I feel I was a much more responsible and aware parent than I would have been in my 20s.

My parents' divorce affected me deeply throughout my life. When I had to make my own tough call of filing for divorce, I did it with the utmost care, keeping our children in mind.

I'm 61 now, and my children are 24 and 21. Although I am much older than they are, I feel the generational gap between us is smaller than what my father and I had. I realize now that he never really had time to be young, while it took me a long time to become a mature, conscious adult.

My only regret is that I may not be around for my children when they're my age, while I still have my dad. He and I now enjoy a close relationship: we talk several times a week and spend quality time together when I come to visit. Then again, my grandmother lived to be 102, so who knows?

• Comedian Alison Leiby shared an email she once received from Vogue's Anna Wintour with no subject.
• Leiby said the lack of a subject line was stressful, but it was still "the best email" of her life.
• You might want to hold off on doing the same in your professional communications, experts told BI.

Alison Leiby remembers feeling her heart beat harder when she saw the email without a subject line appear on her phone.

It was from Anna Wintour, longtime editor of American Vogue.

As Leiby tapped on the message and waited for it to load, she felt a bolt of anxiety and thought, "Oh, God. What is about to happen?"

To her relief, Wintour's two-sentence message offered congratulations on a one-woman, off-Broadway show Leiby created and starred in. Wintour had been in the audience on opening night in May 2022, Leiby told Business Insider.

While she didn't need to worry about the contents of the message, Leiby nevertheless found it unnerving to receive an email sans subject line — especially from the doyen of fashion.

"In a professional context, it's genuinely terrifying because the door is open for it to be anything," said Leiby, a comedian whose writing credits include the TV series "The Marvelous Mrs. Maisel."

It's been reported that Wintour, who recently said she would give up her role as editor in chief of the American fashion glossy to devote more time to other responsibilities at the magazine and its parent company, sometimes sends emails without subject lines.

Despite Leiby's initial anxiety about the message, she later posted a screenshot of the email on social media, describing it as "the best email of my life."

A representative for Vogue didn't respond to a request for comment from BI about the message to Leiby or Wintour's email practices.

While leaving the subject line blank might work for some leaders —especially busy ones — workplace observers told BI that it's often a good idea to include one in business communications.

Picking the right subject line

Kathleen Schmidt, a publishing consultant in New York City, forces herself to add a subject line to most client emails she sends, even though she "hates" having to summarize a message with a title.

"They're just impossible to come up with sometimes," Schmidt told BI.

So, for less formal communications with colleagues, she'll often omit them. Schmidt sometimes does the same with friends or her husband — a practice that Schmidt said "drives him nuts."

"It's from me. What do you think it's going to say? Like, 'We won a million dollars?'" Schmidt said.

Thinking about your audience

Barring a life-changing financial windfall, including a subject line for work communications is often beneficial because it can help people suss out what's most pressing, Lizzie Post, great-great-granddaughter of etiquette authority Emily Post and coauthor of the book "Emily Post's Business Etiquette," told BI.

Those keywords can help people categorize a message and provide insights into its significance, she said.

"It's really important, I think, for the vast majority of us," Post said. "But I'm also a Vogue devotee. I will not go against the queen."

Kate Walker, a human resources consultant and executive coach in California, offered a similar assessment. Even though the summaries can be annoying, they have a purpose, Walker told BI.

"When I'm writing a subject line, I need to think about my audience," she said. "We're competing for people's time."

Leiby, the comedian, said that working as a performer and writer means she's grown accustomed to getting rejection emails. Even seeing an email from someone she'd interviewed with for a job can be nerve-racking, Leiby said.

Yet, when a message arrives without a subject, "your heart stops for a minute," she said.

"You're like, 'Oh, God, is this about to change my life in a good way or a bad way?'" Leiby said.

• I'm 40, and I'll never stop making new friends.
• I have friends of all ages and with different interests, and I cherish them all.
• I've realized that authenticity is the key to forming genuine relationships.

At 40, I have a beautiful circle of friends who range in age from their early 30s to 97, and I don't feel like I'll ever be done making new connections.

Meeting new people and being exposed to different viewpoints and experiences is something I live for. Maybe it's the journalist in me, but I've always been interested in other people's stories. I enjoy nothing more than getting to know someone and seeing what I can learn from them.

I've gotten better at making friends over the years

Looking back, I wasn't always like this. In high school, I was a bit of a loner. I had one close friend whom I tended to stick with. Later, in college, I made a small group of girlfriends whom I adored, but I was never rolling in it in terms of friendships.

Living and working overseas in my 20s helped build my confidence in meeting new people. I interacted with travelers from all over the globe and quickly learned how to find common ground with people from different walks of life.

But I think the real turning point was moving from Melbourne, Australia, to country Victoria three years ago. The town where we live has a population of less than 3,000 people, and I vowed not to be lonely after relocating to such a small community.

So, I made it my mission to put myself out there. Whenever I met someone I had something in common with, I'd initiate a catch-up. Even if I didn't have much in common with them, if I thought they could be fun or interesting, I'd put the offer on the table.

"Hey, would you like to go for a coffee or a hike?" I'd ask. Internally, often those earlier fears of mine would emerge. What if they thought I was weird or too forthcoming? However, more often than not, I found their answer was resoundingly 'yes.'

With time, I became more blatant about it. I remember meeting one of my husband's clients and instantly feeling a connection with his wife. "I really like you," I said. "Let's be friends." She laughed, and that was it. We've been buddies ever since.

I'm intentional about keeping my old connections strong as I form new ones

Most of my friendships are with other parents from the school or daycare community — having that common denominator of kids makes it easy to build rapport. But I also have friends outside that group. I have friends I hike or travel with, and I have single and child-free friends who are in a completely different phase of life.

As my friendship circle has grown, I try to remember to foster my old friendships, too. I have some special long-time friends who mean the world to me, and I regularly check in on them. Sometimes, we'll talk for hours over the phone, and it feels like no time has passed between catch-ups.

One thing I've realized is that authenticity is key to forming genuine connections. If you don't let down your walls, it's harder to connect with others on a deeper level.

In that spirit, earlier this year I decided to do something a little out there. I hosted a ladies' night at my place and called it 'Dessert with a side of woo-woo.' I wasn't sure how it would go, and I know that some of the women who were invited were wondering what the hell was in store for them.

On the big night, I asked everyone to select a talking point card from a jar. The questions ranged from playful to really deep, and sometimes painful. There were tears and plenty of laughter. Later that night, we all made dream boards with our goals and aspirations for the year.

Afterward, many of the women told me how much the evening had meant to them. I think people are frequently sick of the small talk and are seeking deeper, more meaningful conversations that are raw and real.

I know that making friends isn't easy for everyone — I used to feel that way, too. But if you are open to it, I challenge you to put yourself out there and ask the question. "How about a coffee?" You might be pleasantly surprised, just as I was.

• When I was 23 I agreed to an arranged marriage with a man who was eight years older than me.
• Through the years, I've realized that our differences are what makes us a strong couple.
• We've learned how to live and grow together, lessons I hope our kids are learning, too.

At 23, while finishing my MBA, I agreed to an arranged marriage. My husband was eight years older, and we didn't know each other well when we said yes. There was no dramatic love story — just mutual respect, family introductions, and a quiet decision to give this partnership a chance.

In many ways, we approached life very differently. He's Gen X. I'm a millennial, the kind whose energy leans into Gen Z territory. I was full of ambition — constantly planning, striving, measuring progress in visible ways. My husband had ambition too, but his was quieter, more inward. He wasn't chasing milestones like I was; he valued stability and contentment. I'm expressive, quick to react, and constantly questioning things. He's quieter, more rooted in a time where people didn't always talk about their feelings or challenge every rule.

The generational gap isn't dramatic, but it shows at times. I see it in how we argue, how we manage stress, and how we make decisions. I was the kind of person who tracked everything including our kids' grades, the car we drove, the schools we applied to. I had a plan, and I wanted it to unfold just right. He was fine if it didn't. For a long time, I assumed we had to think alike to connect. But I've come to see that it's our contrast, not our similarity, that makes us stronger.

He helped me slow down

My husband brought a kind of composure to my life that I didn't know I needed. He never dismissed my drive, but he reminded me (always gently) that it was okay not to control every outcome.That kids didn't have to score at least 90% on every exam. That missing out on a particular milestone wasn't a crisis.

He didn't ask me to dim my ambition. He just helped me see that not everything in life had to be a race, something to win, control, or finish quickly. And that was a kind of freedom I didn't realize I was missing.

We love differently — and that's okay

I've always expressed emotions loudly, whether it's joy or frustration. My husband is more reserved. For years, I mistook his silence for detachment. I couldn't understand why he didn't or wouldn't match my intensity.

One day, during an argument, he held me by the shoulders, looked me in the eye, and said quietly, "Please understand. I'm not a woman. I don't process things the way you do. I never will." It wasn't an excuse. It was a truth.

That moment shifted something for me. His way of feeling wasn't smaller, just quieter. And once I stopped looking for a mirror, I started noticing the ways he did show love in steadiness and in small, consistent acts.

We've learned how to disagree without disconnecting

We've been married for 18 years and still argue — sometimes often. We parent differently. We see priorities through different lenses. There are days we get on each other's nerves, and days we can't stop laughing. But we've figured out how to disagree without tearing things apart. We give each other space. We pick our battles. We move on.

Love isn't always a steady flame. Sometimes it flickers. Sometimes it flares. But we've kept it lit — not through grand gestures, but through a quiet, daily commitment to keep showing up. He grounds me when I spiral. I push him to open up when he retreats.

When I'm overwhelmed, he brings calm. When he's tired or stretched thin, I step in often handling the emotional load, daily logistics, and sometimes even the smaller financial extras. I'm usually the one managing football lessons, birthday parties, and spontaneous pizza nights. He takes care of other the bigger responsibilities like managing household bills, school fees, and making sure things keep running smoothly at home and beyond.

Our children are watching

Nearly 18 years and three kids later, I hope our children see something valuable in what we've built. They've grown up witnessing our dynamic up close — two people with very different views learning how to live and grow together.

What I hope they carry with them is simple but lasting: that love and respect can exist even when opinions differ. And when they're with their own partners one day, I hope they know it's okay to think differently, to see the world through different lenses.

We see the world differently — and maybe that's exactly why we work. Like puzzle pieces that don't look alike but fit together, we fill in each other's gaps to make something whole.

I now believe that's what a lasting marriage is: not perfect harmony, but a shared rhythm. Sometimes clumsy, sometimes graceful, but always grounded in trust, mutual respect, and the quiet choice to stay in it, together.

• I toured Morgan Stanley's Innovation Lab at one of its New York offices.
• As I walked through the lab, which is filled with GPUs and other machines, I forgot I was in a bank.
• The focus on the lab and general innovation showed me how much the bank is courting tech talent.

Though Morgan Stanley's Innovation Lab sits firmly in Manhattan's Financial District, I hardly saw any of the finance bros who dot the streets outside during my recent tour.

I didn't know quite what to expect ahead of my visit — robots analyzing market moves? intricate gadgets? — and Megan Brewer, the head of firmwide market innovation and labs, tempered my wildest expectations when she described the space as "effectively a very large data center." The lab, she said, gives people "all the infrastructure that is needed to test ideas in a secure, scalable fashion."

Morgan Stanley employees who want to experiment with their own ideas or test third-party products that might help the firm can use the Innovation Lab. Brewer told me that most of the people who use the space are technologists, but that everyone at the bank has access.

"Most people don't think of banks as where people are sitting there soldering and working on custom design trips," she said. "But we offer that as well."

Morgan Stanley is sure to celebrate innovators

And it became clear to me that Brewer's team is pulling multiple levers to attract and retain the firm's technologists. She helps run the bank's Patent Accelerator Program, which guides innovators through the patent process. When someone's invention earns a patent, Brewer's team sends a message to their manager. They post on internal sites, frame the physical patent, and note the accomplishment on the person's company profile. Morgan Stanley has even put patent-holders' faces on their digital ads in Times Square, Brewer said.

Patents don't only grant legal control over an invention, but also acknowledge something as a creative, genuinely new idea. Inventions have to be "non-obvious" to get a patent, and they're a quantitative way for banks to flex their technological chops.

Banks are generally racing to embrace the newest technology. A McKinsey report from late 2024 found that banks have massively increased their tech spending in recent years, and are especially focused on hiring people to produce products in-house.

While tech companies are cutting back on new-hire offers, my time at Morgan Stanley made it clear that banks might be keen on snapping up some of the available talent. Citi also has a network of physical innovation labs across the world, and many banks have accelerator or innovation programs.

When we were ready to enter the lab, Brewer told me I might need to leave my notebook behind, since it's flammable. The first room, though, seemed pretty innocuous: a bunch of computers with black screens, and a lone guy sitting at a desktop. I almost felt like I was in a "Black Mirror" episode, the rows of blank monitors a dystopian end-of-world tableau.

The lab was full of high-end, deceptively plain machines

As we kept moving through the lab, the image of a stereotypical bank continued to fade. It was hot and loud inside the data center, with a white noise of whirring machines and fluorescent lighting. Brewer advised me to stand on a vent if I got too hot amid the rows of equipment.

Most of the time, I didn't know what I was looking at — at one point, it turned out to be the lab's first GPU. I asked how much it was all was worth, and everyone laughed, saying I didn't want to know.

"Many millions," Brewer said, adding that some pieces cost as much as rent on a New York City apartment. (I became very conscious of not stepping on the many blue wires grazing the floor in my kitten heels.)

Huge investment aside, though, some parts of the lab seemed almost scrappy, evidence of exploration and technology that's still in the works. There were labels made of blue tape and Sharpie, stickers that looked like they came from a name-tag machine, flame-retardant Post-Its.

At the end of the tour, I met an electrical engineer, who was standing in front of a clearly very complex, very impressive machine he'd made. My tour guide told me that he'd already built and patented multiple versions of the chip machine sitting before us, which he was too polite to mention himself.

He carefully explained his project — Morgan Stanley asked that don't get into specifics here — and indulged my many questions, talking to me in what were likely excruciatingly simple terms. When I asked whether he ever expected to work at a bank, I got an emphatic no and some knowing head-nods from those leading my tour.

Morgan Stanley has around 23,000 tech employees, 15,000 of whom are developers. At the time of this writing, the bank had 249 full-time technology jobs listed on its site.

The lines between banking and Big Tech

I didn't talk to, or maybe even see, a single banker the whole time I was there, which makes some sense given that Morgan Stanley's main New York headquarters are in Midtown and I was at a smaller office downtown. People talked in the terms of a startup, pushing themes like innovation that may appeal to an engineer more than the average investment banker.

We eventually left the lab and emerged into a similarly harshly lit hallway, the walls lined with cardboard boxes, before passing through a door and into the shinier, more central office area. I stepped into the bathroom before leaving; it was designed in the crisp image of the finance aesthetic, with a few cubbies holding hair straighteners.

Looking around, I remembered where I was: a bank at the tip of Manhattan, not a tech company in California. I wondered, though, how the lines between the two will continue to blur — and how much they've blurred already.

• NATO has pledged to majorly increase the alliance's air defenses
• It's an area the alliance needs after decades of not focusing on it, but seeing how Russia is fighting.
• But just spending money won't quickly solve the problem, as production and cultural issues remain.

NATO plans to invest money from soaring alliance defense spending into a fivefold increase in air defenses, but revitalizing capabilities ignored since the end of the Cold War is easier said than done.

NATO sorely needs air defenses. Secretary General Mark Rutte said Europe does "not have enough," outlining "clear gaps" in command and control, long-range weapons, and sensor systems, all while Russia's military growth is "really threatening."

The way Russia is fighting in Ukraine and the reconstitution of its military have led to greater urgency in NATO.

Defense experts say higher spending is warranted, especially on ground-based air defenses, but the alliance can't expect a quick fix from money alone.

The West needs air defenses and big missile stocks

Russia's invasion, specifically its relentless attacks on Ukrainian cities, shows air defenses are needed in a major conflict. For the West, worried about Russia and China, it's a wake-up call.

The West scaled back air defenses in recent decades as it battled weaker adversaries that posed no major air threat. However, Russia's bombardments, sometimes using hundreds of missiles and drones, show the West must be ready for the same. It's not yet.

"NATO faces a significant shortfall in ground-based air defense systems," both with the number of systems and ammunition supplies for them, Justin Bronk, an airpower expert at the Royal United Services Institute, said.

NATO is acting, but investments don't mean weaponry can actually be made quickly.

Bronk said fixing the issue "is much more a question of building production capacity at every stage in the supply chain as rapidly as possible as part of a crisis response rather than just spending more money."

"Currently, there just isn't enough production capacity in the world of Patriot interceptors, SAMP/T interceptors," he said, referring to surface-to-air missiles for eliminating air threats.

Struggling with production woes not easily fixed

Following the Cold War, the West's defense manufacturing and industrial prowess atrophied.

Companies consolidated, specialized production lines closed, workforces shrank, and inventories decreased — all crippling the ability to surge weapons.

Work is underway to boost production. For instance, Lockheed Martin expanded PAC-3 interceptor production for the Patriot system to 500 missiles in 2024, then a new production high, with plans to grow production further. Boeing upped seeker production, and Raytheon is boosting PAC-2 interceptor output, though it grapples with massive backlogs.

Rheinmetall and Lockheed Martin plan to establish a European missile production hub, including the PAC-3 used by Patriots.

Rheinmetall CEO Armin Papperger told German newspaper Hartpunkt that Europe has struggled getting missiles from the US because of production shortfalls there. He said the wait could sometimes be 10 years, describing that as far too long.

It won't start full missile production until 2027, and Papperger said he expects its engine producing capacity will be quickly used up.

For the Patriots, demand pretty consistently outpaces supply. And clearing backlogs isn't quick.

European defense company MBDA, which makes ASTER air defense missiles and other products, saw orders double since Russia's invasion. In April, Fortune reported that its backlog was projected to take up to seven years at current capacity.

The Financial Times reported the company's plans to double the number of hours worked and hire more, but CEO Éric Béranger also wants more action. He called this a "moment of truth" for Europe and said: "We need to be much more industrial."

Decreased production capacity has been "a tremendous problem in the United States," said Mark Cancian, a senior advisor at the Center for Strategic and International Studies. "You can sign all the contracts you want, but the production capability is lacking."

It takes time to make top-of-the-line interceptors

Even if more companies boost production, manufacturing sophisticated weaponry simply is not quick.

Thomas Laliberty, Raytheon's president of land and air defense systems, told Politico last year that it takes 12 months to build a Patriot radar, just one part of an operational battery.

Sophistication is a key issue.

Bronk said missiles designed to attack are easier to build: "It's much, much cheaper to build offensive missiles than it is to build defensive interceptor coverage."

The price reflects that sophistication: Naval interceptors, like the SM-series, can cost up to almost $30 million a missile.

Defense systems are "some of the most sophisticated bits of hardware that militaries have, and producing them takes time with pretty skilled labor," former Australian Army Maj. Gen. Mick Ryan, a warfare strategist, explained.

Increasing production enough "will be a challenge," he said.

There are steps forward, but challenges remain

The alliance is taking steps in the right direction.

Retired Air Commodore Andrew Curtis, an airfare expert with a 35-year career in the Royal Air Force, said countries speaking confidently gives the industry the reassurance it wants to invest.

"Governments are now talking the right language," he said.

The industry saw investing in production facilities during the Cold War as "a sound business," as demand was there. But that changed.

He said the industry would not invest long-term in expensive facilities that require skilled workers "with no guaranteed orders at the end of it."

Increased cooperation is also needed.

NATO has cultural problems, with countries working separately. Jan Kallberg, a security expert at the Center for European Policy Analysis, said "the major challenge in NATO is not money, it's coordination."

Multiple companies working on similar systems means doubling up on some expenses, and makes scaling up harder, Kallberg said. Fixing that "would free up a tremendous lot of resources."

Military officials want greater collaboration. A US general last month urged defense firms to coordinate more and "stop selling us pieces of the puzzle."

Progress is happening: More companies and countries are working together. The Nordic countries are integrating their air defenses to act as one, and with joint air defense planning.

Changes are taking place at the top level. The European Commission is proposing new measures to cut red tape, encourage joint purchases, and facilitate billions of investments.

But challenges remain. Kallberg warned: "Culture takes far more time to change than just buying hardware."

• Legal ethics rules generally don't allow non-lawyers to own law firms.
• MSOs are a workaround to allow nonlawyers, including private equity firms, to effectively invest.
• Law firm owners can use the investors to scale, as well as for succession planning.

Real estate, airlines, fashion.

It might seem like private equity has climbed the mountain of the American economy, declaring everywhere the light touches as part of its kingdom.

But one corner remains in the shadowlands: Law firms.

Nearly every state has adopted a professional ethics rule from the American Bar Association forbidding lawyers from working for nonlawyer-owned firms.

Lawyers, of course, have figured out a way around it.

The loophole, known as a "managed services organization" — or MSO — allows non-lawyers to effectively own part of law firms through a second corporate entity.

Business Insider spoke to two attorneys who advise law firms on the arrangement, which they said is becoming increasingly common.

In June, Puerto Rico's high court allowed non-lawyer investment in law firms in order to spur economic development in the territory. Arizona, the only state that has done away with the ABA rule, in 2020, now has over 100 law firms that are open to outside investors, according to a recent Stanford Law School study. Large companies like KPMG and Rocket Lawyer now own law firms in the state outright.

The MSO model, which isn't limited to only Arizona, could appeal to law firm owners who want to retire or who don't want to hand their firms over to a law partner.

"We're in the midst of the largest rolling retirement of lawyers in history," said Lucian Pera, a legal ethics attorney at Adams & Reese who advises lawyers and businesses about setting up MSOs. "The baby boomers are getting old and retiring. And that's a real opportunity for some people."

Using an MSO can give private equity firms — or other kinds of companies — a chance to effectively buy a slice of legal practices. And it gives lawyers the chance to sell stakes of their companies for cold, hard cash.

It could also offer the chance to partner with a deep-pocketed company that could boost the firm and help scale it to new heights.

No one says MSOs are not OK

Traditionally, law firms have operated as partnerships among attorneys, where equity partners own shares in the firm and help manage it.

That's partly because of ethics rules designed to maintain attorney independence, such as ABA Model Rule 5.4(d), which largely prevents nonlawyers from owning law firms or from having the right to control the professional judgment of a lawyer.

The ABA's rules have made law practices distinct from many other white-collar professions, like finance or consulting, which may have robust ethical rules and norms but don't impose such stringent limits on ownership. There are plenty of publicly traded banks and consulting firms, but no publicly traded law firms.

As a workaround, the law firms can set themselves up as two corporate entities, Pera said. One is the law firm itself, composed exclusively of lawyers and owned only by lawyers. The second is the service organization, which can be owned by anyone and acts as a vendor for the law firm. It is essentially the back office, taking care of all non-lawyer tasks, including marketing, accounting, human resources, real estate leases, and employing paralegals. The two corporate entities enter into a long-term contract.

Under this MSO arrangement, non-lawyers can invest in the service corporation, though not the law firm itself. Presto! You have an ethically independent group of lawyers who are exclusively working with a company that can sell shares, Pera says.

According to Pera, no state bars have issued ethics opinions that expressly bless the MSO model, but no court or regulator has found a problem with it, either.

"The pieces fit well, and there's no regulatory approval required for a law firm to do it, just like there's no regulatory approval required for a law firm to take out a bank loan," Pera said.

A spokesperson for the American Bar Association said its Center for Professional Responsibility doesn't have any ethics opinions on non-lawyers investing in MSOs.

"Lawyers are not subject to the ABA Model Rules," the spokesperson said. "Instead, they are regulated by the state supreme courts in which they are licensed."

Opportunities for both lawyers and investors

Tom Lenfestey is the founder and CEO of The Law Market Exchange, a sort of Craigslist for law firms.

He says private equity companies are typically interested in consumer-driven firms, like personal injury.

Investors might be able to introduce new efficiencies into those firms and get a steady stream of revenue in a larger portfolio, said Lenfestey, who also advises on law firm mergers and acquisitions.

Private equity companies might be warier of investing in Big Law firms, which typically service corporations and have fewer but bigger clients, he said. Lawyers could always jump ship and take clients with them, but consumer law firms tend to do steadier business, he said.

"Personal injury is brand-marketed — it's the billboards, it's the TV, it's the digital marketing," Lenfestey told Business Insider. "It's not attorney relationship-based."

Because law firms aren't required to disclose their use of service organizations, it's difficult to know how widespread the practice is.

Both Pera and Lenfestey declined to list the firms they've worked with using the structure, citing confidentiality obligations to their clients, but said it's becoming more common.

Pera said he knows of one firm that used the structure as far back as 2006. In more recent years, more law firms and investors have become interested in using MSOs, Pera and Lenfestey said.

"There are many more that are in process right now, and some of them are quite large," Pera said. "There's a fairly large insurance defense firm in this country that's looking at doing this. There's a fairly large AmLaw-ranked law firm that's looking at this. So there's a non-trivial number of these that are going on."

Lawyers who have built up their practices, and who want to cash out, can do so by effectively selling part of their firm to someone else to manage.

They can also help firms scale. Selling shares of an MSO could help finance lead generation or advertising.

Catalex Network, which launched earlier this year, is using the MSO model to invest in law firms with a longer time horizon. While a private equity firm might want to stick with a law firm for a few years before selling its stake, Catalex Network says it aims to form long-term partnerships with law firms by helping them establish MSOs, buying substantial stakes in them, combining their back-offices, and giving the firms the resources to compete with Big Law.

Catalex Network offers bread-and-butter services like IT, payroll, compliance management, and accounting. But also services that are more specific to the legal industry, like recruiting and sophisticated enterprise software that would be cost-prohibitive for smaller firms.

"I've seen kind of what big law resources are and I've seen what small law resources are," said Jeffrey Goldenhersh, a Catalex Network founding partner, who previously worked at the Big Law firm Skadden Arps before moving to a boutique firm.

For Catalex Network, the MSO structure offers a way for the company to grow with law firms. The American Bar Association's rules meant to preserve attorney independence, such as limits on fee-sharing with non-lawyers, are a non-issue.

And while Catalex Network handles the back office, the lawyers can do less managing and more lawyering, Goldenhersh says.

"There's a real consolidation going on at the top end of the legal market and some of these smaller, midsize, boutique-type firms are getting a little bit left behind," Jesse Hamilton, another Catalex founding partner, told BI. "So we're trying to help them catch up and be able to step into the ring with some of the larger firms that have consolidated, have the best technology, the best AI, the best back office staff, and have them be able to compete and stay relevant in the industry."

• Employers are overwhelmed with job applications and leaning more on a particular hiring tool.
• Cognitive and personality tests are becoming mainstream, hiring test providers told BI.
• Employers are the most interested in testing for soft skills, like emotional intelligence, the firms said.

Are you happy? Do you sleep well? Do you have many friends? Are you a workaholic?

Those are some of the questions Katelin Eagan, 27, said she had to answer recently when she was applying for a job.

She agreed to take a cognitive and personality assessment as part of the hiring process, but was a bit bewildered. Many of the questions had nothing to do with the engineering position, which, after completing the tests and going through several months of silence, she was eventually rejected for.

Eagan says she's been applying for jobs full-time since the start of the year. Her efforts haven't panned out yet, which she attributes partly to how competitive her field has become and employers having room to be picky.

"I think there's definitely a lower amount than I thought there would be," she said of available roles.

But that may be only part of the story. Employers are growing increasingly selective, partly because many are seeing a flood of seemingly perfect candidates, many of whom are suspected of using AI to finesse their applications, according to recruiters and hiring assessment providers who spoke to BI.

The solution many companies have come to?

Make everyone take a test — and see who candidates really are, irrespective of what ChatGPT suggested they put on their résumés.

According to surveys conducted by TestGorilla, one firm that administers talent assessments for employers, 76% of companies that had hired in the 12 months leading up to April said they were using skills tests to determine if a candidate was a right fit, up from 55% who said they were using role-specific skills tests in 2022.

Employers seem most interested in testing for soft skills — amorphous qualities like communicativeness and leadership — as well as administering general aptitude and personality tests, Wouter Durville, the CEO of TestGorilla, told Business Insider.

TestGorilla's Critical Thinking test was completed more than 100,000 times in the first quarter of this year, a 61% increase compared to the same quarter in 2024.

The firm also offers a Big 5 personality assessment, which was completed more than 127,000 times in the first quarter — a 69% increase compared to last year.

Demand among US employers in particular has been "massive," Durville said, adding that many firms have turned to tests as a result of being overwhelmed with job applications. The US is the largest market for the firm, which is based in the Netherlands.

"The biggest thing is people just want to hire the best people. It's very selfish and it's fine," Durville said.

Canditech, another firm that offers hiring assessments, says it's also seen rapid growth in the last year. In 2024, the assessment usage grew 135% compared to the prior year, CEO Guy Barel told BI. He estimates that assessment usage is on track to soar 242% year-over-year.

Barel says the surge is partly due to the job market tipping more in favor of employers. In many cases, companies he works with are flooded with "tons of candidates" and looking to "move forward as fast as possible," he said.

Criteria, another skills-based assessment provider, says test usage has more than doubled in recent years.

"AI is kind of creating this authenticity crisis in talent acquisition, because everyone can and is putting their résumé into ChatGPT." Criteria CEO Josh Millet told BI. "It's all about demonstrating your ability or your skill or your personality in an objective way that's a little bit harder to fake."

The AI job market

Jeff Hyman, a veteran recruiter and the CEO of Recruit Rockstars, estimates that demand for testing among his clients has increased by around 50% over the last 18 months.

That's due to a handful of different reasons, he said — but companies being inundated by job applications is near the top, thanks to candidates leaning more on AI to gain an edge and send out résumés en masse, he says.

Hyman says a typical job he tries to fill for a client has around 300 to 500 applicants, though he's spoken to companies trying to fill roles with more than 1,000 candidates within several days of being posted online.

The number of job applications in the US grew at more than four times the pace of job requisitions in the first half of 2024, according to a report from WorkDay.

Companies also want to test candidates' soft skills as remote work grows more common, Hyman adds — and they want to be sure they're getting the right person. Depending on the size of the organization, a bad hire can cost a company anywhere from $11,000 to $24,000, a survey conducted by CareerBuilder in 2016 found.

According to TestGorilla, 69% of employers who issued tests this year said they were interested in assessing soft skills, while 50% said they were interested in assessing a candidate's cognitive ability. A separate survey by Criteria ranked emotional intelligence as the most sought-after skill among employers, followed by analytical thinking.

"It's about their personality and to see if they are a good fit to the organization, if they share the same DNA," Durville said, though he noted that, in many cases, companies find the results of the tests to be shaky as a sole evaluation metric.

TestGorilla, Canditech, and Criteria told BI that employers say they're enjoying the time and cost savings of administering tests.

According to TestGorilla, 82% of employers who said they used skills-based hiring — a catch-all term for hiring based on proven skills — said they were satisfied with new hires, compared to 73% of US employers on average.

Canditech, meanwhile, claims its assessments can help employers cut down on hiring time by as much as 50%, and reduce "unnecessary interviews" by as much as 80%, according to its website.

But Hyman thinks there are some issues with hiring tests. For one, he says employers turn down candidates who don't score well "all the time," despite them being otherwise qualified for the job.

The trend also appears to be turning off job candidates. Hyman estimates around 10%-20% of applicants will outright refuse to take a test if employers introduce it as a first step in the hiring process, though that's a practice Canditech's Barel says is becoming increasingly common.

Hyman says he frequently has conversations with employers urging them not to put so much weight on test results, due to the potential for a mis-hire.

"That's lazy hiring, to be honest. I think that's not the right way to go about it," he said.

• Shaun Gill, a Paris Olympian, has been looking for an engineering job since graduating in May 2024.
• He said his immigration status and training for the Olympics have been obstacles in his job search.
• He continued to look for jobs while competing in Paris last year.

This as-told-to essay is based on a conversation with Shaun Gill, a 32-year-old Olympian in track and field and an engineering graduate from Texas A&M University-Kingsville. The following has been edited for length and clarity.

At the Paris Olympics last summer, I was the only athlete representing Belize. During the opening ceremony, I waved my country's flag with pride, energy, and joy. I didn't expect anything to come from it, but somehow, videos of the moment went viral and racked up over 10 million views.

But while that was one of the most visible moments of my life, what people didn't see was everything happening behind the scenes — like the Zoom job interview I squeezed in at the Houston airport before flying to France, or the late-night interview I did from the Olympic Village, working around the time difference with the US. I've applied to around 300 jobs over the past year, and I'm still looking.

I graduated in May 2024 with a bachelor's degree in industrial engineering from Texas A&M University-Kingsville. I thought job hunting would be fairly easy, but it's been far from it. I've spent the past year applying to jobs across the US and beyond — mostly engineering roles — but despite getting several interviews, I haven't gotten a single offer.

Immigration challenges could be affecting my job search

I've been competing internationally for years. I ran the 100-meter dash at both the Tokyo Olympics in 2021 and in Paris last year. I moved from Belize to Texas after being recruited by the coach at Texas A&M-Kingsville, who told me I was running some really good times. I was in my late 20s when I started college.

While I was in school, I didn't do any internships. During the semester, I was competing for my school, and in the summer, I was traveling constantly with the Belize national team — sometimes I wasn't in the same country for more than a week or two. It would've been very difficult for me to commit to a summer internship.

Focusing on training and competitions has, in some ways, been a financial sacrifice. I've never been paid to compete at the Olympics or World Championships — just travel stipends from my national federation.

After graduating, I had to return to Belize because I was on an F-1 student visa, which only allows a short grace period to stay in the US after your studies end. I moved in with my grandparents and started applying for jobs from there.

I'm now trying to get my green card again, which I lost as a child. My father is a US citizen, and I spent part of my early life in Texas — but my parents were going back and forth between the US and Belize, and we eventually settled in Belize. Because green card holders are expected to live primarily in the US, I ended up losing mine.

I've reflected a lot on why my job search has been so tough. It's possible I'm overqualified for some entry-level roles or asking for a salary that's too high. And with some applications, I'm not sure I've fully optimized my résumé for applicant tracking systems.

But I also think my immigration situation has likely played a role. Since I don't have a green card, I have to answer "yes" when applications ask if I'd need visa sponsorship — and I suspect that's turned off some employers.

My dream is to work in the US

At first, I focused strictly on industrial engineering roles. I was initially drawn to engineering in part because my university had a strong program, but more importantly, I see the field as a way to improve people's lives — like leading projects that bring internet access to underserved communities or joining an organization like Engineers Without Borders.

Over time, I started broadening my search to anything in the engineering field I thought I might be qualified for. I've applied mostly to jobs in the US — especially in Texas, where I have family — but I've also looked in Belize, Mexico, France, and other countries. While I was at the Olympics, I talked to someone who had been hired by a French engineering company and shared their info with me, so I applied there too, but nothing came of it.

My strong preference is to work in the US. It's where I see the most opportunity, the culture feels closer to home, and it's a relatively short flight from Belize. So far, I've had around seven interviews. I made it to the second round maybe two or three times, but never further.

To stay productive and boost my qualifications, I recently started an online master's program in electrical engineering through UCAM University in Spain. My only source of income right now is the $75 Belize dollars — around $37 USD — I get per session from helping to coach a youth track team, typically two to three times a week. I'm grateful to have my basic living expenses covered by my grandparents while I figure out my next steps.

I'm still training too. After the Olympics, I announced on Facebook that I was retiring from track and field, but a few months later, I changed my mind.

I have a few events lined up this year, including the World Athletics Championships in Tokyo this September. I don't plan to stop competing if I land a job, but I know it would affect my training schedule — I'd need to be flexible and might have to scale things back.

I still believe I can build a professional future in the US. My dream is to find a job in engineering, gain experience, and eventually move into senior leadership. For now, I'm doing what I can — sending out applications, keeping my skills sharp, and hoping that the right opportunity comes through.

• Sam Altman's endorsement boosted Cradlewise's site traffic in 24 hours.
• His recommendation of the Cradlewise crib also led to a peak in related Google searches.
• The crib, priced at $1,999, features a baby monitor and sound machine.

Sam Altman can officially add "baby influencer" to his resumé.

The OpenAI CEO announced the birth of his son in February, and shortly after shared his take on the parenting supplies he and his husband stocked up on before welcoming their baby.

Some of it was "silly baby things" that weren't necessary.

For one crib maker, however, the Altman shout-out paid off handsomely.

"Definitely i recommend a cradlewise crib," he said in an X post.

Within a day, Cradlewise's organic site traffic jumped by over 30% and it saw daily sales increase too, Radhika Patil, cofounder and CEO of Cradlewise, told Business Insider.

Searches for Cradlewise over the past 90 days peaked the day Altman made his post on April 13, according to Google Trends.

The company features Altman's post on its official website with the caption, "Sam Altman said it. We just bounced with it."

Altman's crib choice retails for $1,999, a few hundred dollars more than that of its larger competitor, the Snoo. The Cradlewise bounces babies gently to soothe them, with a built-in baby monitor and sound machine. It also grows with your child by converting from a bassinet into a crib.

"Sam Altman's mention of Cradlewise was a surreal and humbling moment for our team," Patil said.

"But more than the numbers, what stayed with me was seeing a tech visionary resonate with a product built with empathy, intention, and science," Patil said.

• Richard White is the CEO of Fathom, a company developing AI-powered note-taking tool.
• White founded Fathom in 2020 and the company raised a $17 million Series A in September.
• The AI CEO, a self-proclaimed extreme procrastinator, explains how the trait has been an asset.

This as-told-to essay is based on a transcribed conversation with Richard White, CEO of AI note-taking company Fathom. The following has been edited for length and clarity.

Everyone talks about procrastination as a personal failing. I disagree. I'm an extreme procrastinator, and I've been building successful companies, like UserVoice and, most recently, Fathom, for 15 years.

It's been one of my greatest assets as an entrepreneur. I see procrastination as ruthless prioritization in disguise.

Consider procrastination as data collection

Procrastination is a way to gather more information before making critical decisions. When I delay a choice, I'm not being lazy; I'm waiting for the optimal moment when I have enough data to make the right call.

In college, I judged the size of a project and left it to the last achievable minute. I might have frustrated my peers or not gotten the most out of every seminar, but I'd do exactly what was needed and nothing more. Since then, I've learned to be more thoughtful about my approach.

I used this philosophy to build Fathom, which now has an eight-figure valuation. We started building the company in 2020. Instead of rushing to market with whatever technology was available, we waited. We gathered data. We watched AI capabilities evolve.

For example, prior to the rollout of GPT-4 and Claude 2, Fathom would yield basic call summaries. When GPT-4 was made available, we saw its capabilities and knew concerted investment on our side would yield massive gains. It was a foundation for our more advanced call summary features, and any earlier investment wouldn't have been as useful to our company.

The same principle applies to my personal life. I plan trips at the last minute because I want to see what opportunities emerge, what's actually happening in my life, and what I might miss out on if I commit too early.

In other work environments or even relationships, being a procrastinator can annoy people. However, the real and most common downside of procrastinating is underestimating the effort required and starting something too late to meet the deadline. As a CEO, I get to define the deadlines or, in our case, create a deadline-free environment.

Urgent matters to trump important matters

I've adopted an unfashionable approach for a CEO: urgent trumps important. This keeps our entire company moving forward without anyone waiting on me to make progress.

It means that sometimes important but non-urgent things languish. I tell my team that if something's truly important, they should keep tagging me until I respond. This creates a culture where people at all levels in the company can advocate for what matters, and truly important tasks don't get lost.

I've developed what I call the "Jenga model" for running my company. Like the game, when a piece looks too difficult or risky to move, I leave it and come back to it later. I can think about a problem and then put it back down without fear. Months later, I'll pick it up again, and suddenly, the answer falls right out.

I'll prioritize problems that will get bigger with time, such as making an important product change, as well as problems where the solutions are low stakes or reversible. Higher-stakes decisions that are non-reversible should be deferred to gather data as long as possible, or broken out into lower-stakes decisions that help gather data to inform the larger issue.

For product development, we circulate ideas internally while waiting for technological improvements. We don't rush features to market. Instead, we wait for the AI to get better, watch for what could go wrong, and optimize our timing. I don't think I have ever missed out on an opportunity. The reality in startups is that few things have a "hard" deadline.

Implementing a deadline-free environment at Fathom means there hasn't been much negative feedback on this model. My team understands what we're prioritizing versus what we're doing later.

CEOs need to play to their strengths

Working alongside great entrepreneurs over the years has taught me that you can't build something around yourself that doesn't play to your strengths.

My strength isn't planning or rigid schedules. My strength is recognizing optimal timing, gathering information, and making high-impact decisions. I delegate open-ended goals to my teams rather than micromanaging tasks. I encourage people at every level to make decisions.

Most people think efficiency means doing things as quickly as possible. I think efficiency means doing things at the right time. You might be wrong about when something is needed or the time cost of execution, but that's the risk you take using your best collective judgment.

This mindset has served Fathom incredibly well. We're exploring ways to use AI to take better notes, reduce unnecessary meetings, and democratize information sharing within companies.

The next time someone tells you that procrastination is holding you back, ask yourself: Are you really procrastinating, or are you waiting for better information? Are you being lazy, or are you being strategically patient? Sometimes the best thing you can do is put the problem down and come back to it when you can solve it easily and effectively.

• For Love & Money is a column from Business Insider answering your relationship and money questions.
• This week, a reader faces romantic rejection once potential suitors find out she's low-income.
• Our columnist suggests she not feel obligated to share her financial situation and find like-minded people.
• Have a question for our columnist? Write to For Love & Money using this Google form.

Dear For Love & Money,

I'm a 61-year-old disabled female. I've received SSI for 25 years and have been alone for 7 years. Everyone recommends using dating apps to meet someone. When your income is this low, the only responses are from people who believe I should feel grateful for being a booty call. I give up! Even when I meet someone who shares my hobbies and we seem to hit it off, the minute they find out I'm poor, the conversation ends.

I have many hobbies and interests and am self-supporting. I've never been married and have no interest in it. I don't need or want to be taken care of; I am very independent and capable. I'm well-educated, kind, and a decent human being. I'm thinking my dogs will be my only company. Why do people complain about loneliness and then reject compatibility based on bank balances?

Sincerely,

Lonely, but Not Desperate

Dear Lonely,

I don't know why people complain about loneliness and then reject compatibility based on bank balances. It feels like a pretty shallow dealbreaker, but people's boundaries often reflect their baggage. Maybe they worry about dating someone who could become financially dependent on them. Perhaps they worry someone with a lower bank balance won't be able to keep up with their expensive preferences. Or maybe, they're just that shallow. Regardless of their reasons, your personal value is not tied to your net worth; nobody's is.

My favorite part of your letter is when you said, "I'm well-educated, kind, and a decent human being." So often, women and people with disabilities, in particular, are trained only to acknowledge what they're not bringing to the table. Seeing someone own their strengths, as you did, is empowering, and I hope you stand firm in your worth. You may not have a lot of money to bring into a relationship, but you have plenty else to offer. Anyone who has rejected you has missed out on something special — it's their loss.

You wrote that many people recommend using dating apps to meet people. I'll go ahead and swim against the stream on this one. You aren't looking for, as you said, a booty call; it sounds like you want a mutually enjoyable companionship in which both of you retain your independence. Dating apps are fast and easy, and offer endless options. All of these features tend to lend themselves better to short-term physical relationships rather than the more serious relationship dynamic that you want. Additionally, it's easier to reject someone for petty reasons, such as their bank balance, when they're just a face and a list of attributes on a screen. After all, there's always another profile to swipe on.

While you've faced some setbacks, even when meeting people who enjoy the same hobbies, I still think hobbies may be your best bet at dating for a few reasons. Firstly, your shared love of an activity means you already have a lot in common, one of which could be similar income levels. Secondly, meeting people organically means they haven't created a preconceived notion of who you are based on a carefully cultivated dating profile. If they learn you aren't as wealthy as they assumed you were, they aren't as likely to feel caught off guard and put off by the information.

I say "if they learn" rather than "when they learn" because disclosing your financial status isn't mandatory, at least not immediately. You're self-sufficient and don't want to get married, so why tell them? Your financial ability might still indirectly come up — they may want to frequent Michelin-star restaurants while you can only afford dinner at the local bar-and-grill, or they want to enjoy every concert coming through town, while you can only cover the cost of a single putt-putt pass — but you don't have to give them the details of your bank account to decline a date that's beyond your means. Instead, frame your reluctance to spend big as fiscal responsibility rather than fiscal inability. This may feel like lying, but it isn't. The difference between "I'm too poor to afford $200 concert tickets" and "That's not how I prefer to spend my money" is a matter of privacy; you don't owe anyone you just met a description of your savings account.

Down the line, you may find yourself combining finances with someone or in a serious, long-term relationship where disclosing your financial status is a natural development, an important disclosure, and a safe conversation to have with your partner. Until then, however, don't carry your economic status as a secret that you have to confess immediately in the spirit of transparency. While it may not feel like it, most people — especially those you'd actually want around you — probably won't worry about your income one way or another. But when you treat it like a potentially disqualifying consideration by blurting it out in the beginning, they might be more likely to see it as such.

Finally, I'd like to propose an alternate approach to companionship altogether: focus on building friendships rather than searching for romantic relationships for a while. Join groups geared toward people in similar walks of life. These groups could center on your hobbies, struggles, faith, or identity. Not only is community an excellent antidote for loneliness, but it will also broaden your network for finding romantic prospects. A good friend setting you up with someone they think you'll connect with is worth a dozen apps full of people conditioned for instant gratification. You're more than a dating profile or a bank account balance. The people you want in your life are the kind who will recognize that your worth defies dollar signs.

Rooting for you,

For Love & Money

Looking for advice on how your savings, debt, or another financial challenge is affecting your relationships? Write to For Love & Money using this Google form.

• Noah Greenberg uses calendar mapping to boost productivity and manage his schedule.
• Greenberg's calendar was previously cluttered, leading to inefficiency and frustration.
• He also practices self-reflection on an annual silent retreat to enhance productivity.

This as-told-to essay is based on a conversation with Noah Greenberg, a 35-year-old co-founder and CEO of Stacker based in New York, about productivity hacks and how to build your perfect week. It's been edited for length and clarity.

I started my company, Stacker, with three other co-founders in 2017, and it's been almost eight years. In a nutshell, we're a platform for helping distribute brand content as earned media.

At the end of 2020, I was feeling out of sync, overwhelmed by my calendar, and overwhelmed by life and work generally. People put meetings on your calendar, life happens, and it's really easy to feel like it has to be that way, even if you're frustrated. But over the past few years, I've really benefited from thinking about what could be better.

I've had to ask myself, "What does an ideal workday look like, and how do I realistically put the pieces in place to make that happen?"

I realized that my calendar was just a bunch of stuff thrown on in no particular order, with no real intention. Once I started calendar mapping, I started living with intention and feeling more productive.

My schedule and calendar had several issues

As CEO, I do a lot of external meetings scheduled in advance. I realized my calendar was getting filled two weeks in advance, and when my team really needed to talk about something, they'd look at my calendar and they wouldn't feel comfortable asking if I could move things around.

Also, things got scheduled that didn't need to be a priority. I'd end up with a zebra calendar, which is half-hour meetings, half-hour breaks, and repeat. I learned that if I could stack those meetings back-to-back, then all of a sudden, I would have a full hour and a half free to actually get things done.

I got an executive assistant who didn't work out, but introduced me to calendar mapping

I only had an executive assistant for a few months because, in the end, I felt like I didn't need one. I thought it would be helpful, but I felt very uncomfortable not sending my own emails, even as simple as scheduling a calendar invite.

The biggest impact of hiring an executive assistant was that they taught me about calendar maps, which is having a separate calendar with set blocks of the day planned out. I schedule blocks for things like internal work, internal meetings, external work, and deep focus time. I also try to have a weekly in-person breakfast blocked off. When I'm scheduling things now, I try to put them in the blocks I saved for them.

I even use it in my personal life. On my calendar map, I have "cook for friends" once a month on Thursdays. It may not actually happen on that date, but it reminds me to schedule something.

The more people I've talked to, the more they say an executive assistant will sometimes do this for you.

A yearly three-day silent retreat also helps my productivity

I also did my own three-day silent retreat at the end of 2020, booking an Airbnb, driving to upstate New York, bringing a journal, shutting off my phone, and leaving my computer at home.

I decided to spend the time completely offline from work, assessing what was working and what was causing me anxiety about work. I do this every year now. It was so transformational for me.

Being away from your phone and computer for three days can really help open your mind to what could be different.

There have been podcasts and books I've read. But even with all of those inputs, the best source for finding what works for me is self-reflection. It's looking at my calendar and being really honest with what makes me happy and what makes me unhappy about how I spend my time.

I print out my calendar retroactively to see how well I actually use my time

I read something a few years ago that Jeff Bezos prints his calendar out and looks at everything that he did that month. He will cross out the things where he said that, if he could go back in time, he wouldn't have attended.

I do this a few times a year now. I think it's pretty intuitive. Reviewing, circling things that work, and crossing out things that don't, it takes five minutes. The real meat of the work is taking action on that.

At the end of last year, there was a meeting that was my least favorite of the week. It was a topic that I was really excited about, but I dreaded it every week. So, I sat down with that team, and we completely changed the makeup of that meeting.

I now calendar map my personal and professional life once or twice a year

I'd say overall, people have been very receptive to me taking control of my calendar, and essentially my life, this way. I think what helps is having conversations to help people understand why you're making the changes or blocking out the time.

Every year, if not every six months, I calendar map my work and personal lives together. My goal is to look back at the week on a Friday afternoon and say, "That's the life I want to live; that was a great week."

If you have a productivity hack that you would like to share, please email the reporter, Agnes Applegate, at [email protected].

• Conservatives have taken aim at advertisers who they say unfairly boycott media companies.
• Government investigations and civil lawsuits have remade the world of "brand safety."
• The probes have caused anxiety in the ad industry, but some execs say a reset was necessary.

Conservative media company The Daily Wire is celebrating the downfall of "brand safety," and benefiting from the new state of play in the ad business during the second Trump era.

Last week, The Daily Wire's commercial team received a request for proposal, or RFP, from Omnicom, one of the world's biggest ad agency groups. An RFP typically indicates an agency or advertiser's interest in buying ad space.

The RFP was a huge win for The Daily Wire. It was only the second time it had received an inbound ad request from Omnicom. The first was in May, but the latest was a much bigger buy.

Last year, The Daily Wire's famous cofounder and podcaster, Ben Shapiro, testified that the site had been unfairly shunned by major advertisers and ad agencies who, he said, had deemed its content unsafe for their brands.

"Brand safety was being defined by people with a severe bias against a certain point of view," The Daily Wire's editor in chief, Brent Scher, told Business Insider in an interview.

But since President Donald Trump's return to the White House, the power dynamics around "brand safety" — the practice of brands seeking to avoid their ads appearing next to, or otherwise supporting, "unsafe" content — have shifted, with some advertisers scrambling to avoid any whiff of anti-conservative bias. The situation is particularly acute for Omnicom, making its outreach to The Daily Wire both unprecedented and unsurprising.

Last month, Andrew Ferguson, chairman of the Republican-led Federal Trade Commission, gave conditional approval to a proposed $13.5 billion merger of Omnicom and fellow ad company IPG, which would create the world's largest ad agency. It had an unusual caveat: Omnicom agreed to a consent order that would prevent it from colluding with other companies to encourage its advertiser clients to boycott media based on publishers' "political or ideological viewpoints."

'Brand suitability' versus 'brand safety'

The FTC's move is the latest victory in the battle against brand safety waged by US conservatives. Brand safety in 2025 has become such a political flash point that some ad execs are changing the way they talk about the topic.

"I hear the phrase 'brand suitability' far more than 'brand safety' now," said Liam Brennan, a marketing consultant and former ad agency director. "It makes it sound like a cop out, but it's a shift in the approach brands are taking. Before it was 'block, block, block,' now it's more about where my brand should be appearing. It's a more positive approach."

While the Trump administration's actions have turned up the heat on brand safety practices, a broader backlash has been building for some time. Brand safety began as a seemingly innocuous practice of preventing brands from appearing next to the worst of the internet, such as violence, pornography, and illegal content. But it gradually expanded, with brands seeking to avoid a wide variety of political issues, or platforms that supported them.

In investigations and lawsuits, lawmakers and other high-profile conservatives have argued that ad practitioners, brand safety tech vendors, and industry groups forced the brand safety pendulum to swing too far into partisan areas, unfairly depriving right-leaning outlets of ad dollars. Media companies on the left have said they, too, have been harmed by advertisers who deemed news sites as unsafe for brands.

"What may have started as a good idea expanded, and then became too broad," said Mark Penn, CEO of the advertising holding company Stagwell. "Consequentially, it wasn't really about brand safety — it became almost brand censorship."

The emergence of brand safety

The practice of brand safety arose as advertisers shifted from analog media buying — placing deals directly with the TV stations, billboard owners, or newspaper proprietors they wished to buy space with — toward digital.

Using technology, advertisers could target their audiences across swaths of websites, social platforms, and apps with just a few clicks. However, this meant they had less visibility about the content their ads were likely to appear next to. Brand safety technology was created to give advertisers more control over the types of content they wanted to fund or avoid.

Keyword block lists were an early but somewhat blunt tool, helping advertisers avoid appearing in articles about grisly news topics like murders or natural disasters. However, marketers often didn't maintain good block list hygiene.

Mike Zaneis, CEO of ad industry accreditation organization the Trustworthy Accountability Group, said he was recently reviewing brand block lists that still had the term "Ariana Grande" on them, years after the deadly terrorist attack that took place at the pop star's Manchester Arena, UK, concert in 2017.

"Never mind that she's won two Grammys since then," Zaneis said.

Enter: The conservative backlash

The scrutiny on brand safety notably dialed up in 2024 and took on a partisan tone.

Jim Jordan, chair of the House Judiciary Committee, released an investigation that accused advertisers of illegally colluding to withhold ad dollars from conservative-leaning media like The Daily Wire, X (after Elon Musk's takeover of the company), and "The Joe Rogan Experience." The report took aim at an initiative called the Global Alliance for Responsible Media, which developed brand safety frameworks and common definitions that advertisers and Big Tech platforms like Meta and YouTube could universally adopt.

Elon Musk's X then sued several major brands, including Mars and CVS Health, alleging their participation in GARM involved a conspiracy to withhold ad dollars from the platform formerly known as Twitter. The conservative video platform Rumble also sued GARM and some of its members, making similar claims in its suit.

GARM shut down shortly after X's suit was filed. Its parent organization, the World Federation of Advertisers, denied wrongdoing but said GARM didn't have the resources to fight the legal action. In a May legal filing seeking to dismiss the X case, the defendants said the lawsuit was an attempt to use the courts win back business X had "lost in the free market when it disrupted its own business and alienated many of its customers."

In a statement, the WFA said GARM provided tools to help advertisers better exercise their freedom to choose where to place their ads in the best interests of their brands, and that it was always voluntary and pro-competitive.

"WFA will continue to fight these allegations, and we are confident that the US judicial system will find in our favor," the statement said.

While GARM is no more, the lawsuits and the Judiciary Committee's investigation continue, and the FTC has joined the brand safety battle under the Trump administration.

Ferguson, the FTC chair, has said that maintaining a free ad market and free speech is a top priority and that he hopes other ad companies will adopt policies similar to those in the Omnicom-IPG consent decree.

That notice extends to other advertising vendors in the brand safety sphere.

In May, the FTC sent sweeping civil investigative demands to media watchdogs and rating firms, including Media Matters and Ad Fontes Media, seeking information about their brand safety practices. In one such letter, viewed by BI, the FTC sought documents related to relationships with GARM, the publicly traded ad verification firms Integral Ad Science and DoubleVerify, and other entities that track and characterize "misinformation," "hate speech," "false" or "deceptive" content, and other similar categories.

While the FTC's actions have made many in the ad industry nervous, some execs consider much of brand safety to be, as Stagwell's Penn puts it, a "fabricated issue." Penn said there were only limited situations in which brands might really be negatively affected by where their ads appeared.

"From the polling I've done, conservatives think that they were being censored and demonetized, and liberals think they were being censored, so nobody was particularly happy about what was going on," Penn said. (Stagwell owns the public opinion and advisory firm The Harris Poll.)

Will the brand safety crackdown benefit news publishers?

Execs at The Daily Wire say the scrutiny on brand safety was warranted and has gotten results.

"My team is inside of the bigger agencies, having discussions, whereas the door was automatically shut 12 to 16 months ago," said The Daily Wire's SVP of ad revenue, Christine Hoffmann. "We're getting business from Fortune 500 companies, like Chevron, like Amazon, like Paramount, and that was business that was nonexistent to us."

Other conservative news outlets, including Fox News and The National Review, have also noticed a bump in advertising interest since Trump took office for the second time. Ad industry insiders previously told BI this reflected advertisers' realization that half of the country voted for Trump, but that it could also be a signal of advertisers hedging against political risk.

The notion that the crackdown on brand safety will provide a long-term bump to news publishers is untested and, for many industry insiders, feels unlikely. An executive from the media buying giant GroupM testified in a House Judiciary Committee hearing last year that just 1.28% of its clients' global ad budgets went toward news outlets. Meanwhile, Alphabet, Meta, and Amazon — with their superior scale and adtech — are set to take in more than half of global ad spending outside China this year, according to the latest forecast from the World Advertising Research Center.

Omnicom has agreed to be audited to demonstrate its compliance with the FTC's proposed consent decree, which also includes an agreement not to create block lists, unless requested to do so by clients. The FTC's provisional agreement says Omnicom-IPG can't collude with other firms to steer client ad spend based on political ideologies, which might cause some advertisers to simply opt to avoid news altogether. As BI previously reported, some ad industry insiders and analysts think the government's crackdown on brand safety is an overreach that will hurt publishers of all kinds while further consolidating power with the tech giants.

New tools could help brands avoid the censorship label, but there's no room for GARM 2.0

Some in the ad industry tell BI they're hopeful that brand safety could enter an apolitical era, powered by tech rather than individual decisions over blunt filters.

"My view is that AI will bring greater nuance to brand safety — making it more effective for buyers and less restrictive for sellers," said David Kohl, cofounder of the performance marketing firm Symitri.

Kohl said startups like Mobian are building models that assess context, user sentiment, and real-time ad performance to identify which media environments deliver and which don't.

Elsewhere, Stagwell is creating what Penn describes as a politically neutral news marketplace, in partnership with the adtech company The Trade Desk, enabling advertisers to buy multiple news sites at once, according to demographics.

While brand safety might become more tech-enabled, it seems unlikely there will be a GARM 2.0 for some time yet.

"It would be far too easy to become a target," said Lisa Macpherson, a former marketing executive who now serves as the policy director of Public Knowledge, a tech policy consumer advocacy group.

Just ask the advertising agency group Dentsu. Late last year, Dentsu quickly exited its involvement with the creation of a new coalition that had intended to encourage ad investments in "credible" news. Days after the press release about the coalition was published, the House Judiciary Committee requested documents from the ad firm, having noticed similarities to GARM. In response, Dentsu said it had decided "not to pursue the initiative" nor "pursue any other effort with similar aims."

Macpherson said advertisers would continue to do what's necessary to protect their investments in their brands. Yet, as the threat of lawsuits and document demands related to GARM rumbles on, people in the ad industry will likely avoid using the phrase "brand safety" in emails or marketing materials.

"They may describe it differently," Macpherson said. "They will be very careful to couch it in language that evokes their constitutional right" to send ad dollars or not spend money on certain media outlets based on the suitability for their individual brands, she added.

Zaneis of TAG said the recent government and legal scrutiny of brand safety practices might have been the jolt the industry needed, forcing marketers to pay closer attention to an issue that had gotten out of hand.

"We may not like how we got here as an industry, but it's where we should have been all along," Zaneis said.