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   Daily Brew // Morning Brew // Update
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     JPMorgan enlists AI for performance reviews...
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             October 28, 2025
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              View Online
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              Sign Up
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              Shop
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              Presented By
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               What a good morning it is.
              </strong>
              Fun fact: Today, October 28, has been the best day of the entire year for stocks since 1950, according to Ryan Detrick of the Carson Group. But since we know past performance is no guarantee of future results, we made sure to rip open a Zyn pouch and throw the contents over our left shoulder this morning, as we do every year to keep the streak going.
             </p>
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               —Sam Klebanov, Dave Lozo, Molly Liebergall, Abby Rubenstein
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              <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
               MARKETS
              </h3>
             </td>
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             </td>
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            <!-- Nasdaq -->
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                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI4MDY1N30:1vDgN8:gjl7k04W57fUdd06EZYQR3p4DI_0GQhflwM3vs-mMPk" style="width:22%" width="20"/>
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                  Nasdaq
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  23,637.46
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
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                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +1.86%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Nasdaq -->
            <!-- S&P -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
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                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI4MTg0N30:1vDgN8:A1qXjYlNignKYMbEIs_65qLkZmqHhhWvnWwIe65DEOs" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  S&amp;P
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  6,875.16
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +1.23%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI4MjkzNn0:1vDgN8:YGNj24PGB0XmpnuKkXI-kjASUZBTwFuOEBd1fIawkbM" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Dow
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  47,544.59
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +0.72%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fcff893ba764906422dff254fe5a026d0a2427129-50x16.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI4Mzk2fQ:1vDgN8:_gG7pyJSG1e144fdtlDGMi7_U_A1sgBOTwPqyZ5sCS4" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  10-Year
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  3.997%
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#7a7a7a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +0.0 bps
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END 10-Year -->
            <!-- Bitcoin -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;border-collapse:collapse" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI4NDkwOH0:1vDgN8:-xpGYaGjFdsamT1opbZl2PdJkskEDo-iTdO-E_Js208" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Bitcoin
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  $114,384.20
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#ff03034d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     -0.10%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Qualcomm -->
            <tr>
             <td class="pads10 pads6m lastline" style="text-align:center;mso-padding-alt:0 20px 0 20px;border-top:1px solid #e6e6e6;border-bottom:1px solid #e6e6e6;padding-bottom:0">
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               <tr>
                <td align="center" class="markets-arrow-cell" style="text-align:center;width:12%;line-height:1em" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6097ec1c26b17401a61bfbfe4440c75ebfea1886-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI4NTg0fQ:1vDgN8:_MZ_crjMNjuypF077aTpbXauLMqYpu_iVewH3cDQa5M" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  Qualcomm
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:left;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                  $187.68
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top:8px;padding-bottom:8px" valign="middle">
                 <table border="0" cellpadding="0" cellspacing="0" class="markets-bubble" role="presentation" style="border-collapse:collapse;border-collapse:collapse;width:70%;margin:0 auto">
                  <tr>
                   <td style="background-color:#28d31a4d;border-radius:8px;padding:10px 8px" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="white-space:nowrap;vertical-align:middle;text-align:center;margin:0;padding:0;font-size:16px;font-weight:700;line-height:1em">
                     +11.09%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Qualcomm -->
            <!-- START REGULAR TEXT -->
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              <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-collapse:collapse;font-size:13px">
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                <td style="padding-right:4px">
                 Data is provided by
                </td>
                <td style="margin:0;padding-right:5px">
                 <a style="display:block" target="_blank">
                  <img height="16px" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F61a0dac0b53d6766459afdca784ae8fe604f17ed-720x102.png%253Fh%253D32%2526q%253D100%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI4NjgyMn0:1vDgN8:Rn7hDgeRNPE6loyAGgzRu1d72YAaJHcr1eD_JRM1Y1A" style="vertical-align:middle;height:16px;display:inline"/>
                 </a>
                </td>
               </tr>
              </table>
              <p style="text-align:left;margin:0;padding:0;font-size:13px;line-height:22px">
               *Stock data as of market close, cryptocurrency data as of 6:00pm ET.
               <a class="link-sm" rel="noopener" style="color:#333;border-bottom:1px solid #1c7ff2;text-decoration:none" target="_blank">
                Here's what these numbers mean.
               </a>
              </p>
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            <!-- END REGULAR TEXT -->
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                 <strong style="color:#000">
                  Markets:
                 </strong>
                </span>
                <span>
                 Wall Street was looking farther East than the East River yesterday—in fact, it gazed all the way to Asia, where President Trump is currently meeting with world leaders. The S&amp;P 500 and the Nasdaq soared to
                </span>
                <span>
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  record highs
                 </a>
                </span>
                <span>
                 after he said that a deal with China would come out of his meeting with his counterpart Xi Jinping on Thursday.
                </span>
               </li>
               <li style="margin-bottom:10px;line-height:22px">
                <span>
                 <strong style="color:#000">
                  Stock spotlight:
                 </strong>
                </span>
                <span>
                 Qualcomm shot up after announcing plans to bring out an AI chip to compete with Nvidia.
                </span>
               </li>
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                 Markets Sponsored by The Crew
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                is our newsletter designed to help you make sense of market moves.
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            ECONOMY
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                 SNAP and other benefits might lapse due to shutdown
                </a>
               </h1>
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              </a>
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               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Niv Bavarsky
                 </em>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 As the government shutdown turns 28 days old, its impact is quickly
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  spreading beyond
                 </a>
                 the rising number of federal employees missing paychecks.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 While the Trump administration previously moved money around to fund some federal programs until the end of the month, it recently said the SNAP food assistance relied on by over 40 million people won’t be funded starting on Nov. 1—which has never happened during a shutdown before. Some states plan to fund SNAP from their own coffers, but others warned residents to prepare for a lapse in benefits and advised them to turn to food banks.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Also on Nov. 1:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Funding for some early childhood education and nutrition services that are part of the Head Start program is due to dry up, which could affect 59,000+ children nationwide.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Subsidies for commercial flights to rural areas might be cut off, forcing airlines to increase ticket prices.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Many
                  </span>
                  <span>
                   <strong style="color:#000">
                   </strong>
                  </span>
                  <span>
                   Americans will face higher health insurance premiums due to the lapse of Obama-era healthcare subsidies axed in the Republican budget earlier this year—which, in large part, prompted the shutdown, as Democrats refused to pass government funding without extending them.
                  </span>
                 </li>
                </ul>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 Not fired, but unpaid
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Over 1.4 million federal workers are either furloughed or working without pay, with many due to miss their first paycheck of the shutdown this week, according to the Bipartisan Policy Institute.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Many of Uncle Sam’s employees are picking up side gigs, like caring for pets and driving for ride-hailing apps, to carry themselves over, according to the Wall Street Journal.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Meanwhile, air traffic controllers—who are required to work without pay—have been calling out sick, leading to understaffed airport towers and skyrocketing flight delays.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Pressure is mounting:
                 </strong>
                 The largest federal worker union, which represents more than 800,000 members, called on lawmakers to put aside partisanship and pass a government funding bill that would get the direct deposits flowing again.
                 <em>
                  —SK
                 </em>
                </p>
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                 Tour de headlines
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                  Handout/Getty Images
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                 <strong style="color:#000">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fcloud-with-rain_1f327.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI5Mzg5fQ:1vDgN8:ykpBpSwuU8Hehjr3f3pnZoKn4S1r3e1k0E1Zn3gsFVo" style="max-width:18px" width="18"/>
                  Hurricane Melissa approaches Jamaica as a dangerous storm.
                 </strong>
                 The hurricane
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  strengthened
                 </a>
                 into a Category 5 storm yesterday, picking up strength as it traveled over unusually warm waters in the Caribbean Sea. It’s expected to make landfall in Jamaica this morning and to bring destructive flooding, storm surge, and winds. People were ordered to evacuate coastal areas yesterday in preparation for the slow-moving storm, which is likely to cause severe damage to the nation’s infrastructure. It’s expected to be the most powerful storm to hit Jamaica since it began keeping records in 1851, and the island’s Prime Minister Andrew Holness said, “I have been on my knees in prayer.”
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fpage-with-curl_1f4c3.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI5NDc4fQ:1vDgN8:7no9n8uW4qyv-j6HgUazxvNpIdJUeWbigYKMixNq_JY" style="max-width:18px" width="18"/>
                  Amazon plans mass corporate layoffs.
                 </strong>
                 The e-commerce giant will cut up to 30,000 corporate jobs across departments, Reuters reported yesterday. That would make the terminations, set to start today, the
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  largest
                 </a>
                 corporate layoff in the company’s history, per CNBC, trumping the 27,000 it let go in 2022. Amazon employs 1.5+ million people overall, but only about 350,000 on the corporate side. Amazon CEO Andy Jassy has been looking to cut costs and simplify the company’s corporate organization, and he also predicted that AI would likely lead to a reduction in its corporate headcount.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fbasketball-and-hoop_1f3c0.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTI5NTY3Mn0:1vDgN8:wIC-_cpUD3K7fHW3aF8QC00anxdaj2dJN0ck5u5XYg8" style="max-width:18px" width="18"/>
                  NBA reviewing its policies after gambling arrests.
                 </strong>
                 The league
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  told
                 </a>
                 its teams yesterday that it had commenced a review of how it reports player injuries to the public, as well as prop bets and how it might use AI and other tools to identify gamblers with insider information. The review follows the arrest of Miami guard Terry Rozier and Portland coach Chauncey Billups, who were
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  accused
                 </a>
                 of participating in illegal gambling schemes. The league called it “an opportune time to carefully reassess how sports betting should be regulated and how sports leagues can best protect themselves, their players, and their fans.”
                 <em>
                  —AR
                 </em>
                </p>
               </td>
              </tr>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            WORK
           </h3>
          </div>
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                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 JPMorgan will let chatbots write employee reviews
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="An illustration of an employee being evaluated by a computer wearing a suit and tie" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-10-27%252Fimage-db7cbeca5cc4b0b8d452879f2b728ad319a89ba5-1500x1000-jpg%252Fchatgraphic.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjE2NDUxMzAuNTI5NjY4fQ:1vDgN8:XrggOQ2D_NWE97TxJMAZ4jIrsM1taeO8RPYKxeBsg94" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Niv Bavarsky
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 At JPMorgan Chase, the dread of AI taking jobs is being offset by the joy of AI writing performance reviews. The bank is giving its employees the option of letting its
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  in-house chatbot
                 </a>
                 help author time-consuming year-end evaluations, according to the Financial Times.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 The shortcut of submitting prompts and receiving text from a chatbot has
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  potential benefits
                 </a>
                 for both reviewers and reviewees:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   AI tools can reduce writing time by 40%, per Boston Consulting Group. So if it normally takes an hour to write vague goals and objectives for the following year, that’s 24 minutes right back into your pocket to focus on your
                  </span>
                  <span>
                   <del>
                    office fantasy football league
                   </del>
                  </span>
                  <span>
                   work.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Having more standardized feedback can reduce the perception of “playing favorites” or other biases, according to a management expert who spoke with Business Insider.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Raise it:
                 </strong>
                 Per FT, JPMorgan says AI can’t be used for salary decisions, and employees are ultimately responsible for final submissions, so copy and paste at your own risk.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Banking on it:
                 </strong>
                 CEO Jamie Dimon told Bloomberg that the company’s $2 billion annual investment in AI has already
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  paid for itself
                 </a>
                 and has been used to trim headcount. Goldman Sachs CEO David Solomon, however, told Axios that
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  he doesn’t foresee
                 </a>
                 Wall Street’s embrace of AI as a threat to the hiring of future junior bankers.
                 <em>
                  —DL
                 </em>
                </p>
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            Together With Indeed - Careers in Care
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               Scouted specifically for you.
              </strong>
              Interested in a career in healthcare but don’t know where to start? Discover personalized career paths aligned to your skills with Indeed
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               Career Scout
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              . Career Scout is a new AI-powered tool built into the Indeed app that acts as your personal career coach,
              <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
               making it easier to find and score your dream job
              </a>
              .
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            TAXES
           </h3>
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                 Life hack: Save money by buying a private jet
                </a>
               </h1>
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               <img alt="White private jet on a runway during the day" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-10-27%252Fimage-6f72df2d590f9b342e65cd9be6c0f21807c0a72b-5472x3648-jpg%252FAdobeStock_582102210_Editorial_Use_Only.jpeg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjE2NDUxMzAuNTMwMTY1NH0:1vDgN8:50-402C-WkP7Td9f0V3thUj_vfkwTGCtPO0dxkdwgxU" style="width:100%;max-width:670px;display:block" width="670"/>
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               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Markus Mainka/Adobe Stock
                 </em>
                </small>
               </span>
              </p>
             </div>
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Don’t cry because you’re not going to Aspen this year, smile because a ski family might avoid paying some taxes by flying there privately. Bloomberg
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  reported
                 </a>
                 yesterday that ultra-wealthy Americans are taking full advantage of a new rule in the One Big Beautiful Bill Act that allows them to completely write off certain high-value assets.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  ICYMI:
                 </strong>
                 President Trump’s landmark legislation expanded a tax break known as bonus depreciation, which now lets business owners deduct 100% of certain purchases from their taxable income. Eligible splurges include yachts, cars, racehorses, and private jets—as long as they’re
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  used for business
                 </a>
                 more than half of the time. Demand is climbing:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Sales of private jets are up by 11% from this time last year, according to data from the jet broker Global Charter.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Horse sales at the world’s largest thoroughbred auction in Kentucky
                  </span>
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    grew
                   </a>
                  </span>
                  <span>
                   by 24% last month compared to 2024.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Gas stations and car washes also qualify.
                 </strong>
                 Sales of these establishments spiked after Trump temporarily expanded bonus depreciation in 2017. One entrepreneur told Bloomberg that he avoided millions of dollars in taxes by buying several car washes, which offset income from the sale of his family business.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Looking ahead…
                 </strong>
                 this rule will cost the IRS $363 billion in lost revenue over the next decade, according to estimates by Congress’s Joint Committee on Taxation.
                 <em>
                  —ML
                 </em>
                </p>
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            STAT
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               <h1 class="story-title" style="color:#000;margin-top:8px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:24px;font-weight:700;line-height:26px">
                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 Prime number: Age-based wealth gap
                </a>
               </h1>
              </div>
             </table>
             <div class="header-image-container" style="padding-top:15px">
              <img alt="A father and son" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-10-27%252Fimage-53bda6a30871b5ba11c79d0e65e6e270d79ce19c-2120x1414-jpg%252FGettyImages-1349567491.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjE2NDUxMzAuNTMwNjcwMn0:1vDgN8:HL5GDIQuGxuCP7wn21De0gCo3f1yOoohyRmGqDRZJUQ" style="width:100%;max-width:670px;display:block" width="670"/>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                  Getty Images
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 We regret to inform you that the kids are not all right—and by kids, we mean the adult children of financially comfortable older Americans.
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Polling
                 </a>
                 by the Wall Street Journal this summer showed many respondents were OK with their own economic position, but concerned about the future for the next generation, with nearly 80% saying they weren’t confident that their children would be better off. The poll, conducted in July, showed:
                </p>
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   About 23% of respondents said they were extremely or very confident they could afford to buy a home, compared with 11% for today’s children.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   Meanwhile, 32% said they believe they can keep up with their expenses, while just 14% thought that the children can.
                  </span>
                 </li>
                </ul>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  And the younger generation agrees.
                 </strong>
                 Compared to respondents aged 30+, a smaller share of those aged 18–29 felt confident they could: keep up with expenses, buy a car, pay for an unexpected medical expense, or have enough savings for retirement. These gloomy predictions for the nation’s youth come as unemployment has risen for recent college grads and as housing prices have shot up 50% since the beginning of the pandemic, the WSJ notes.
                 <em>
                  —AR
                 </em>
                </p>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-container" style="border-collapse:collapse" width="100%">
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            NEWS
           </h3>
          </div>
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           <tr>
            <td class="card-content">
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               <h1 class="story-title" style="color:#000;margin-top:8px;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:24px;font-weight:700;line-height:26px">
                <a style="color:#000;border-bottom:none;text-decoration:none" target="_blank">
                 What else is brewing
                </a>
               </h1>
              </div>
             </table>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <ul style="margin-top:0;padding-left:30px">
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    President Trump
                   </a>
                  </span>
                  <span>
                   plans to pick Jerome Powell’s successor as Fed chair by the end of the year, and Treasury Secretary Scott Bessent confirmed a list of five finalists for the job. Powell’s term doesn’t end until May.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Indiana’s Republican governor
                   </a>
                  </span>
                  <span>
                   called a special legislative session to consider a redrawn congressional map that would give his party more seats.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Elon Musk
                   </a>
                  </span>
                  <span>
                   may leave Tesla if he’s not given a proposed $1 trillion pay package, the chair of the company’s board told shareholders in a letter urging them to vote in favor of the compensation terms.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Argentina’s bonds, stocks, and currency
                   </a>
                  </span>
                  <span>
                   popped yesterday after President Javier Milei’s party secured a resounding victory in its weekend election, likely ensuring continued US aid and chainsaw-like financial reforms.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Roomba-maker iRobot
                   </a>
                  </span>
                  <span>
                   hasn’t had luck finding a buyer, and the revelation sent its stock plummeting.
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    <em>
                     Yellowstone
                    </em>
                    creator Taylor Sheridan
                   </a>
                  </span>
                  <span>
                   will be leaving Paramount’s ranch to work for NBCUniversal (though Paramount is keeping the rights to his hit series and its spinoffs).
                  </span>
                 </li>
                 <li style="margin-bottom:10px;line-height:22px">
                  <span>
                   <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                    Game 3 of the World Series
                   </a>
                  </span>
                  <span>
                   went 18 innings—the longest in WS history. The Los Angeles Dodgers won it, 6–5. They lead the Toronto Blue Jays two games to one.
                  </span>
                 </li>
                </ul>
               </td>
              </tr>
             </table>
            </td>
           </tr>
          </table>
         </td>
        </tr>
       </table>
       <!--[if !mso ]><! -- -->
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      <!-- END STORY ARTICLE -->
      <!-- STORY ARTICLE -->
      <!--[if !mso ]><! -- -->
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          <div class="tag-container" style="padding:15px 15px 0">
           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            RECS
           </h3>
          </div>
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           <tr>
            <td class="story-content">
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              <img alt="To-do list banner" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-09-11%252Fimage-762cbc4c673b8613a0de1bf6711a4fc25276f7a4-1350x330-png%252FMB_todo_banner.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjE2NDUxMzAuNTMwNzh9:1vDgN8:_Yw6u44_0eZoaIfmhR7w1JrLu-egSkNHrmJ6FyVIY10" style="width:100%;max-width:670px;display:block" width="670"/>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                 </em>
                </small>
               </span>
              </p>
             </div>
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse" width="100%">
              <tr>
               <td class="content-container" style="padding:15px">
                <div>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTMwODc1fQ:1vDgN8:-MGbTZUt-ulfiC0DF0NNO8cizl_OwZWeuln9EXXSb88" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Pack:
                  </strong>
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   A durable bag
                  </a>
                  for all adventures, whether you’re hiking or running errands.**
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTMwOTY4N30:1vDgN8:kABCyQuYG0jpnypSIyhKr0A6qZkWwGrqrgycKytmC9E" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Walk:
                  </strong>
                  The world’s
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   most beautiful hiking trails
                  </a>
                  .
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTMxMDU4NX0:1vDgN8:QAW-xbnNyWJpUFM_zm9WeZVpA_t_wNekyKd0eH9scG4" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Party with your snack:
                  </strong>
                  If you like pina coladas…then you’ll probably like the
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   new pineapple
                  </a>
                  that Dole bred to taste like one.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTMxMTQ3Mn0:1vDgN8:SuGKJGg8214eJebFN9kqs1OTjggHNB2QTS0XdI85VXM" style="max-width:18px" width="18"/>
                  <strong style="color:#000">
                   Scroll:
                  </strong>
                  The correlation between social media use and diminished mental well-being is small and possibly genetic,
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   a new study
                  </a>
                  found.
                 </p>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <strong style="color:#000">
                   <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiIsInRpbWUiOjE3NjE2NDUxMzAuNTMxMjM2NH0:1vDgN8:hMeee1gKKG8QCnwjH-McKyi5_xNKmBecLS1ld0MeGTQ" style="max-width:18px" width="18"/>
                   HELOCs made simple:
                  </strong>
                  Stop shopping around. We’ve ranked the
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   10 best HELOC lenders of 2025
                  </a>
                  so you can compare rates, terms, and
                  <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                   find your perfect match
                  </a>
                  instantly.*
                 </p>
                 <placementslot data-id="6b78a35a61db">
                 </placementslot>
                 <placementslot data-id="23822b080c95">
                 </placementslot>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <sup>
                   <em>
                    *A message from our sponsor. **This is a product recommendation from our writers. When you buy through this link, Morning Brew may earn a commission.
                   </em>
                  </sup>
                 </p>
                </div>
               </td>
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             </table>
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           </tr>
          </table>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            PLAY
           </h3>
          </div>
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              <a style="border:none;text-decoration:none" target="_blank">
               <img alt="Games available from Morning Brew" src="https://inboxflows.com/_/image/https%253A%252F%252Fmorningbrew.com%252Fcdn-cgi%252Fimage%252Fwidth%253D1336%252Cformat%253Dauto%252Fhttps%253A%252F%252Fstorage.morningbrew.com%252Fimage%252F2025-09-11%252Fimage-3524949da8d220051120175f97246671d52e0b38-2700x660-png%252FIMG_9052.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtb3JuaW5nYnJldyIsInRpbWUiOjE3NjE2NDUxMzAuNTMxMzM4Mn0:1vDgN8:oqSArMJ4TPZEQctMIU6JqWJF_v6rI5IKwGlv2lYHztk" style="width:100%;max-width:670px;display:block" width="670"/>
              </a>
              <p style="margin:0;padding:0;line-height:22px">
               <span class="source" style="margin-top:5px;margin-bottom:0;padding-left:10px;line-height:14px;display:inline-block">
                <small>
                 <em>
                 </em>
                </small>
               </span>
              </p>
             </div>
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              <tr>
               <td class="content-container" style="padding:15px">
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <strong style="color:#000">
                  Brew Mini:
                 </strong>
                 If you’re planning to be a witch for Halloween this year, you’ve got a leg up in today’s Mini. But you don’t need any Hocus Pocus to
                 <a class="link" style="color:#333;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  play it here
                 </a>
                 .
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                </p>
                <h2 style="color:#000;margin:0 0 15px;font-family:Helvetica,Arial,sans-serif;font-size:19px;font-weight:700">
                 Elder statesmen trivia
                </h2>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 Paul Biya was reelected as president of Cameroon, which will extend his run as the world’s oldest sitting president. How old is he?
                </p>
               </td>
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             </table>
            </td>
           </tr>
          </table>
         </td>
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           <h3 style="color:#1c7ff2;margin-top:0;margin-bottom:0;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:700">
            SHARE THE BREW
           </h3>
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          <table border="0" cellpadding="0" cellspacing="0" class="story-content-container" style="border-collapse:collapse" width="100%">
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                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  Share Morning Brew
                 </a>
                 with your friends, acquire free Brew swag, and then acquire more friends as a result of your fresh Brew swag.
                </p>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 We’re saying we’ll give you free stuff and more friends if you share a link. One link.
                </p>
                <a>
                 <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                  <img class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe8c0d668fd2ce584105a14629f9409b29ddffc91-3840x2160.png%253Fw%253D640%2526q%253D60/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiIsInRpbWUiOjE3NjE2NDUxMzAuNTMxNDY1NX0:1vDgN8:SiIoOivZSAIE-l1wUPM5gqIaOkQ5XfNgcidVMPhqKs0" style="width:100%;max-width:640px;display:block;width:100%!important" width="640"/>
                 </p>
                </a>
                <p style="margin-top:0;margin-bottom:15px;line-height:22px">
                 <b>
                  Your referral count:
                 </b>
                 0
                </p>
                <a class="stb-btn" style="color:#fff;text-align:center;background-color:#1c7ff2;border-radius:4px;width:100%;max-width:150px;padding:15px;font-family:Helvetica,Arial,sans-serif;font-size:16px;font-weight:900;text-decoration:none;display:block;margin-top:inherit!important;margin-bottom:inherit!important;margin-right:inherit!important;margin-left:inherit!important">
                 Click to Share
                </a>
                <p style="margin-top:15px;margin-bottom:15px;line-height:22px">
                 Or copy &amp; paste your referral link to others:
                 <br/>
                 <a class="link" style="color:#252525;border-bottom:2px solid #1c7ff2;text-decoration:none" target="_blank">
                  morningbrew.com/daily/r/?kid=979c4554
                 </a>
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                 92. At the end of his next term, he’ll be 99. More than 70% of Cameroon’s population is younger than 35.
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                 Today’s Word of the Day is: depreciation, meaning “a loss in the value of property due to physical deterioration and wear, or to obsolescence and lack of adaptability,” which, in our case, is being used by accountants to refer to the tax deduction associated with covering that lost value. Thanks to Jim from Portland, ME, for the valuable suggestion. Submit another Word of the Day
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               ✤ A Note From West Capital Lending
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               NMLS #1566096:
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                NMLS consumer access
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               This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York will be accepted through this site.
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                 A WCL HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
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                 To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
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                 Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.
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                 The West Capital Lending Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
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