July 11th, 2021 • 3h 37m
Shownotes
Every new episode of No Agenda is accompanied by a comprehensive list of shownotes curated by Adam while preparing for the show. Clips played by the hosts during the show can also be found here.
Vaccine Hestiancy
Why most people who now die with Covid in England have had a vaccination
Don’t think of this as a bad sign, it’s exactly what’s expected from an effective but imperfect jab
Heineken - -The night belongs to the vaccinated NOT
Vaccine questions: just moved already answered - don't want to be counted twice!
President of Suriname - shoppen - foorball - taxi - fly - covid passport Otherwise you will be Isolated
WHO Lawsuit
In the PDF I translated this article about the Indian Bar Association calling for Legal Action for Vaccination Deaths.
It looks like the Gates foundation got included and Tedros Ghebreyesus too!
Rewards haven’t provided big boost for Nevada COVID-19 vaccinations
Gov. Steve Sisolak’s offer of a chance to win a million-dollar prize hasn’t resulted in a noticeable uptick in COVID-19 vaccinations in Nevada, at least not so far.
Sisolak announced a state raffle on June 17 in which vaccinated residents could win a total of $5 million in prizes, including college tuition and a $1 million grand prize. The rewards were intended to boost the state’s declining numbers of new vaccinations.
Brian Labus, an assistant professor of epidemiology and biostasticis at UNLV’s School of Public Health, said the offer didn’t immediately result in big gains.
“There wasn’t a giant spike in people vaccinated the next day,” he said when asked to review vaccination data from the Centers for Disease Control and Prevention. Through Friday, the seven-day daily average of first doses administered also appeared to continue its downward trend.
Cyber Pandemic
Cyber insurance
Please don't mention me by name, I am "an anonymous industry professional with standing" for the purposes of this email.
Sorry for the massive delay in delivering this, as you can imagine, things have been a bit busy lately in the world of brokering Cyber insurance. I am going to break this email into three parts, hopefully something can be useful for the show (I have underlined and Highlighted the one part I know you may find most interesting for the show tomorrow).
I can provide more standing credentials, if needed, but I would categorize myself as being in the top tier of talent in my industry. Feel free to shoot me any questions that any of the below may stir up. Sorry this is VERY long.
Cyber Coverage Overview
Cyber cover is really three different types of coverage wrapped into one, but all center around some form of unauthorized access to computer systems to trigger coverage. There is the liability component, the first party coverage, and cyber crime extensions.
Liability covers the costs and expenses associated with notifying individuals of compromised data, providing credit monitoring services, and a few other items like paying Payment Card Industry fines and penalties or even media liability.
First party coverage is the breach response. If an insured's system is breached, you can gain access to computer forensics, PR teams, legal services, etc, etc. Also, this is where you get coverage for business interruption (loss of income) for a period in which your system may be shut down, or if a third party on whom you rely is shut down for a Cyber event.
Most notably, this is the part of the policy where Ransomware/Extortion is covered. This has been the problem child in the industry and you can see below for ways they are trying to deal with it.
Lastly, a good broker adds in some Cyber crime extensions. This is for stuff like social engineering attacks, funds transfer fraud, and the one I like best is invoice manipulation fraud (also called "reverse social engineering"). This is if a bad actor gains access to my system and manipulates an invoice to get my customer to send funds to the wrong place.
So, these policies are traditionally very broad in coverage they can provide and the coverage trigger is broad as well, typically some form of "actual or suspected unauthorized access".
Cyber Market Overview
When this product originally came out, it was written dirt cheap and no one understood the potential scope of the losses carriers would sustain. At that point, ransomware payments were a cute $50k average and not the now >$300k industry average. Also, the cost of a compromised record has continued to swell in terms of notification and monitoring costs, we are up near $300 per record. If a company has records compromised it isn't just a few at a time, as you know. A record breach is going to be on the order of a 7 figure loss, easily.
Carrier loss ratios have been getting destroyed and they are losing money like crazy. Beazley was a major player on those initial policies and they have had to massively rewrite their book. Policies that used to cost $2,500 are now coming out at $30,000 on renewal quotes depending on industry segment and controls. "Tough classes" are now manufacturing, medical, education, municipalities/cities, or anything deemed to be in the supply chain. I've had to pull so many all-nighters trying to find homes for policies at prices that aren't going to get me fired off the account.
The market, as recently as two months ago, had pockets of new entrants who would still underwrite accounts with bad controls at competitive pricing, but that has dried up near immediately. A good account can now expect a premium increase of anywhere from 50% to 100% on premium over expiring. That is a good renewal.
Currently, there is a lot of chatter in the market about carriers severely limiting or even altogether stopping the payments for ransomware/extortion. Insureds do not have enough skin in the game (typical retention can be as low as $25k on an account with $100M revenue). Some carriers are now sub-limiting the ransomware limit and others are implementing a co-insurance so the insured has to pay a portion of every dollar lost.
In France, AXA (large insurance carrier) has announced they will no longer offer any ransomware cover on new policies and we are waiting to see how the market follows and if that moves to the US. The theory is that the presence of insurance for these events incentivizes higher demands since bad actors know there is potentially a deep pocket to cover the event.
What I find sketchy is the attacks against our industry in the past few months. CNA (another large insurer) had a massive breach that shut them down for multiple days back in March. More recently, several prominent brokerages have announced breaches they have discovered.
If insurance is truly incentivizing the higher ransom demands, I think it likely that people are now attacking insurance carriers and brokerages with no intention of demanding ransom, but trying to mine policy data. If hackers can figure out what entities carry what policy limits, they know exactly who to attack and what figures they can extract.
Additionally, a lot of carriers run non-invasive port scans for open ports on policy holders and save and distribute these reports. My hunch is that we, as an industry, may be providing hackers with the perfect playbook should they access the right portion of our systems.
Carrier Controls Sought
Multi-Factor Authentication is God to carriers right now. Almost all carriers have some form of a questionnaire related to this and it will be four or five questions asking if MFA is implemented at log on, for accessing email from mobile device, if there is MFA for admin accounts, etc, etc. Other items that are big are air-gap and encrypted back ups, EDR, and having a response plan in place.
This is already too long so I am attaching a sample application for your review. This is not fully inclusive of all supplemental apps typically requested, but just a "base application".
Thank you for your courage and, again, no names, please!
Covid Down Under
Cridland BOTG NWO in Sydney
Yes, that's happening in Sydney: the government is trying to stop the virus from spreading. Same happened in Melbourne last year. (
@ScottMorrisonMP fucked up the vaccination program here).
I wouldn't consider a dumb journo's phrase as anything sinister, though.
Exosomes
Exosomes ED
Would like this to be anonymous if you do read it on the show.
I have went back and forth with this in my mind just because of the incident was very confusing. I have thought a lot about it and finally figured I’d just share it and let’s hope it’s not too awkward.
Over a month ago a friend purchased a built up mustang. 500hp, fast as hell, and a head turner of a car for others with sports cars at least. The friend had been calling me to come look at it and after a few weeks of working on a day to meet up we finally did at his house.
Excited to show me what the car “has” we headed out to do about a 25 mile ride around the area and on to the freeway to see what the car ran like in the 120+ mph range.
So this is the weird twist here. My friend had been feeling under the weather because he had his 2nd jab of the Pfizer vax the day before. He said he had been feeling sick for about 2 weeks, which was when he had got the first jab. He said he had the typical “massive headache, feeling like he had no energy, and slightly plugged up nasally”.
We went for the ride, saw some other hot rods on the freeway, which we raced a little, laughing when we pulled away from them with ease. We looped around at a freeway interchange, and headed back to his house, so total time in the car was 45 minutes to an hour or so. After we sat in his garage having a beer for about another hour or so just BS’ing. I headed home after and pretty much crawled in to bed pretty much the moment I walked in the door of my house.
That night I had some strange dreams that I would akin to when I quit smoking. I quit with the patch and fell asleep with the patch on twice which led to psychotic like very vivid dreams, but these were a tad different. These dreams were much more sexual in nature and is apparently aroused me in my sleep to the point of a nocturnal emission (wet dream). This might not seem weird but I have not had one of these for close to 30 year. I am approaching 50 and I do not have any issues like E.D. but I am certainly not as active in the bed as I used to be. I thought maybe it was medication that I am on, but it only happened one time and has not happened since while I continue to take all the medication I was taking when this happened. Thinking through it the only conclusion that I can come to is that this was a result of sitting close to someone that had gotten the vaccine for an extended period of time.
I understand this might seem hard to believe but the length of time since I had this happen to me while sleeping till this did happen to me makes me lean toward it being caused by the close contact.
Keep up the great work, ITM and TYFYC.
Vaccidents
Southwest airlines pilots vaccination intel
So, I have two friends who work as stewardesses for Southwest, and I spent a rather long night last
night drinking with them. They both dropped a weird piece of intel I wanted to pass on. Remember
about a month ago, when Southwest suddenly cancelled a ton of flights? I had thought it was a
hacking thing... it turns out they had no pilots. All their pilots had been vaccinated... and quite
a few of them started showing blood clots, believed to be a combination of the vaccine and altitude
thrombosis. Other airlines must be having similar issues.
Magnetic Vaccines
OK, John, this has bugged me enough (ie. brass keys aren't magnetic) that I forced my wife to get
vaxxed so I could test this again (my sister from the last video went away on vacation). In this
video that I just shot today, my wife is freshly vaxxed 48 hours ago and of course, the brass key
sticks to her arm. So I grabbed a magnet and a paper clip to show that it also sticks. The part you
can't see is you can feel a pull and a push from the area where she was vaxxed.
Clearly this isn't magnetism, but some form of devil black magic... I am taking my kids and moving
to Plfueger ASAP.
Hope you enjoy the video (
BTW, I noticed in the video that you can see our PCR test results. We heard that Canada might be
allowing people to fly if they can prove they had COVID. Well our whole fam damily got the VID in
April and so me and my two kids got PCR'd, but I guess too much time had passed and we all came
back negative. There's a lot more to this story, but I'll spare you the details unless you want to
hear them...
BUT, my son had to get a blood test and I discovered that at this lab ANYBODY from BC or Ontario
can go get a "FlyClear" anti-body test for $75 and according to the website, we can fly "clear"
internationally! This is NOT ADVERTISED ANYWHERE in Canada! I'm hoping to test this out later in
the year and will report back (possibly from a COVID hotel jail).
Mandatory Vaccination
Nuremberg Code from WWII has nothing to do with coronavirus despite bogus Facebook claims
Based on expert opinion, Full Fact concluded that the Nuremberg Code would "only be relevant at the research trial stage of a vaccine's development, not its rollout to the general public".
"But even then, experts told us they felt it would not be an appropriate link to draw," the fact checkers continued.
So you have questions about the COVID vaccines? We have answers
Confused about Australia's vaccine rollout? We've tracked down the answers to the questions you've been asking.Read more
"It's right that medical ethics should be highly scrutinised, especially in cases like the COVID-19 vaccine roll-out where the process has been accelerated. However, it's important not to mix up the atrocities of the past with current debates about medicine and policy."
Professor JJ on Jacobson vs Commonwealth of Massachusetts
Dear AC,
I am still editing the analysis, but to answer the BIG questions:
(1) Yes, Jacobson never had to get ANOTHER injection (recall, he had one many years earlier), and he only paid the fine (5 USD, then the equivalent to a weeks wages for a common labourer)
(2) at that time, all the case law allowed the unvaccinated people to walk around freely, and interact with whomever they choose, even during an epidemic, of what purportedly had a case fatality rate of at least 10%
Hence, the Courts would only impose a fine, and LOCKDOWNS of healthy people were rare (at most 7-14 days), and upon a writ of habeas corpus, the local health authorities had to prove that the person in forced quarantine was either sick OR spreading the disease.
Of course, such was the sad fate of Mary Mallon, but I must voice my opposition to the idea that she spread salmonella - and NO one else in New York City did, AND that others died, solely due to contact with salmonella (typhoid). Millions of Americans have salmonella every year - and no one is blamed for transferring it to others. Such level of contact tracing would be impossible to prove, and just like COVID deaths (with the 2.6 comorbidities), NO ONE who is healthy, dies of salmonella.
Best
JCJ
Supply Chain
Pepsi shortage
Container costs
Shut Up Slave
Noodle Gun
Andy Ngo takedown PCI
I’m writing to report Things You Should Ngo, linked here: https://podcastindex.org/podcast/13380. Andy and the people he supports open Black people, especially even more marginalised Black people like fat, intersex, TMA, poor, disabled, lesbian, and/or sex working Black people, up to their antiBlack following harassing them to no end by posting screenshots of their tweets. They instigate targeted harassment campaigns against, attack, spout slurs for them including the N-slur, C-slur, T-slur, D-slur, F-slur, A-slur, and H-slur, mock, and spam them. They use death threats, caricatures, symbols, false information, and other hate speech such as endorsing lynchings.
Andy and his collaborators appropriate Black culture, including BEV and hashtags, events, and movements by and for Black people, delete much of this, are pedophiles, do incest, and are complicit when other nonBlack people do all this and more, such as the other users in the linked posts and videos below. Please act now.
Ranked Choice Voting
RCV is unfair - proof
Adam /John:
Mathematicians have proven ranked choice voting with 3+ candidates can never be fair. Its called "Arrow's Impossibilty Theorem".
The theorem says that 1 of 3 of the following "fairness criteria" MUST BE VIOLATED in such an election:
Unanimity. If every voter prefers alternative X over alternative Y, then the group prefers X over Y.
Independence of Irrelevant Alternatives. If every voter's preference between X and Y remains unchanged, then the group's preference between X and Y will also remain unchanged (even if voters' preferences between other pairs like X and Z, Y and Z, or Z and W change).
Non-Dictatorship. There is no "dictator": no single voter possesses the power to always determine the group's preference.
If the first 2 are upheld, you will have a dictatorship: It will take only 1 vote to determine the outcome.
Which makes me think... In terms of fraudulent elections, its much easier to fake the results of 1 voter to get your outcome rather than millions. Ranked choice voting seems to open this door.
Wiki:
https://en.m.wikipedia.org/wiki/Arrow's_impossibility_theorem
10 min video if interested:
https://youtu.be/Q60ZXoXP6Hg
TYFYC - looking forward to 1363!
-Nick
RCV Australia?
Hey Adam, as usual love the show.
I expect these are all views you've heard before and I don't expect this to change anything.
I grew up in Australia and we have preferential voting where you list your preferences. In other words it sounds exactly like your description of rank choice voting.
I now live in the UK where they have first past the post and my annecdotal evidence as to the results of preferential voting over first past the post is that it seems to result in more independent candidates gaining office and this results in removing power from the traditionally 2 power parties. Which usually tempers the party in power as they have to negotiate with more people and there's more open criticism of the major parties by the independents or smaller parties.
The UK is still this notion of if you vote for anyone other than the major parties then you're throwing your vote away. Which I hear echoed in the u.s. and parodied in the Simpsons in that treehouse of horrors VII episode where Bill Clinton and Bob Dole are replaced by aliens Kang and Kodos and people vote for them anyway because it's a two party system.
So as someone who has lived under both, I prefer preferential voting to first past the post. And I think if you try it.. may may just like it..
Maybe not.. but maybe..
Damn I should set up a mastadon instance and federate with NASocial because this is no doubt being discussed on there but I'm lame and haven't even been in the troll Room
Elise: RCV is just like academy awards
RCV Wrecked Minneapolis
An opinion piece in today’s WSJ details the disastrous results of Ranked Choice Voting in Minneapolis.
The 2017 mayoral election which seated current mayor Jacob Frey (who caved to BLM protestors last summer) was a complicated affair.
The mayoral race was a 16 candidate affair that took 6 rounds of counting to resolve. With only a 43% voter turnout, Frey was the first choice of only 25% of voters.
I am thankful that we have runoffs in Georgia to prevent the election of someone by a plurality (less than 50% + 1 of the votes). One person, one vote.
Carwin Chambliss
Atlanta, GA
https://www.wsj.com/articles/ranked-choice-voting-helped-wreck-minneapolis-11625854937
Hearing Aids
Breaking: Biden to Sign Order on OTC Hearing Aids
The marketplace for direct-to-consumer (DTC) hearing aids is alive and well. One can go to Google, search for “buy online FDA registered hearing aid”, and see a myriad of options, with and without remote support from a licensed practitioner. In other words, the market is highly unregulated, and access to alternative products without the “red tape” is already possible. In fact, the pandemic ushered in an era of growth for companies like Eargo, a publicly-traded company that sells DTC hearing aids online.
At the same time, the wildly successful Apple AirPods Pro already provide hearing-aid-like features like personalized amplification, background noise reduction, and (coming soon) hyper-directional beamforming microphones. While limited in their amplification capabilities, the AirPods Pro cost $249 or less (when on sale), and the market is predicted to be in the hundreds of millions (units sold).
And Bose recently launched an FDA-approved DTC hearing aid—the Bose SoundControl™—that was approved under a special new product classification for self-fitting hearing aids. Many industry pundits predict that the FDA’s OTC hearing aid rules will be modeled closely after those rules.
Regulating OTC hearing aids
Surprisingly, many DTC hearing aids are registered with the FDA under product classifications that are intended for medical-model hearing aids. If the FDA forces DTC sellers to reclassify their products as OTC (once the new class exists) and requires product clearance (510k), this would mean that many of the FDA-registered hearing aids being sold DTC today may be pulled from the market temporarily.
This would ultimately be a good thing for consumers. It would mean that consumers would receive an enhanced level of protection from the FDA, as manufacturers would be required to prove the effectiveness and safety of any devices being sold directly to consumers. Without audiologists vetting the products by fitting them on their patients, the FDA has a higher level of responsibility to vet the products before allowing them to be sold on the open market. (My personal opinion)
GME AMC
Knight Ape note
Hey Adam, I wanted to start by saying that your Rogan Interview was fantastic, seeing the videos posted in the "Ape" communities I'm part of made my day! On that topic, I just wanted to inform John that some of those GameSTOP (John constantly said gamestock) "jackoffs" could very well be knights and donors. As an AMC ape, I am planning on sending you guys some of the profits I make as soon as I realize them and I'm already up quite a bit, pretty close to 6 figures. I've been holding since mid January and I have a pretty good feeling the rest of the apes are going to continue to hold. I believe that all of the "100k per share" price predictions has the psychological effect of making $1000 or $10,000 per share seem more reasonable or attainable which is why so many people have held for so long. As a producer I am making a programming request for your full analysis of the situation as it sounds like you have a really good understanding of it and explaining the DTCC and how hedge funds can operate in dark pools to manipulate the price would be great info for the rest of the NA producers. If this is read on air I hope that other Apes and GME invrstors join me in sending you guys a ton of cash when this all plays out. Thank you for producing the BPITU!
Sir Ulfgarr, Knight of Orange County
Lay Down Movement Millennials
Just wanted to give my two cents on things regarding the lack of motivation following the note from last Sunday’s show. I’m a thirty five year old man who works in a warehouse and the majority of my younger or similarly aged coworkers are VERY lazy. Most spend the day on their phones. My supervisor is only a few years older than me and doesn’t do any sort of delegation and spends more time trying to make sure he’s friends with everyone than actually making sure anyone gets anything done.
Now all that being said. I think there are HUGE issues with people my age being able to take charge and delegate tasks in a working environment because they’re afraid of coming off “bossy” (I actually believe men my age are far worse at this).
I believe there is also a lack of “true” upward mobility in companies nowadays and this has played a role in the lack of motivation. Especially when applying or getting a job there’s a promise of a path to success and so on.
The companies I’ve worked for also have had an insane amount of cronyism and nepotism. The contemporary blue collar work environment is not a meritocracy. Pulling yourself up by your boot straps and going out and doing hard work will not get you the promotion. And I think having that lie drilled into me when I was younger made me very disappointed when I came to find out the truth about “work.”
-Mike
