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     Companies zero in on their wealthiest customers...
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             March 06, 2023
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               We’ve got a wicked newsletter for you today, including: a preview of “hell week” on Wall Street, the latest trend sweeping corporate America, and a surprising look at how college students use ChatGPT.
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               Remember, you can also listen to a discussion of these topics and other news stories with our new
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               podcast, which arrives a little later in the morning.
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               MARKETS: YEAR-TO-DATE
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                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aeef46b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1pZ8Wz:KdtyHs5VxVXlk5SbLTsdutVKm_s9to49wjSW5kIHJvY" style="width:22%" width="20"/>
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                  Nasdaq
                 </p>
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                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  11,689.01
                 </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="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
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                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +12.54%
                    </p>
                   </td>
                  </tr>
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                </td>
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             </td>
            </tr>
            <!-- END Nasdaq -->
            <!-- S&P -->
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                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aeef46b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1pZ8Wz:KdtyHs5VxVXlk5SbLTsdutVKm_s9to49wjSW5kIHJvY" style="width:22%" width="20"/>
                </td>
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                  S&amp;P
                 </p>
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                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  4,045.64
                 </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="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #BEF2BA; background-color: rgba(40, 211, 26, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +5.79%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
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            <!-- END S&P -->
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                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aeef46b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1pZ8Wz:KdtyHs5VxVXlk5SbLTsdutVKm_s9to49wjSW5kIHJvY" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Dow
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  33,390.97
                 </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="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #BEF2BA; background-color: rgba(40, 211, 26, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +0.77%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
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                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aeef46b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1pZ8Wz:KdtyHs5VxVXlk5SbLTsdutVKm_s9to49wjSW5kIHJvY" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  10-Year
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  3.960%
                 </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="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #BEF2BA; background-color: rgba(40, 211, 26, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +8.0 bps
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END 10-Year -->
            <!-- Bitcoin -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aeef46b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1pZ8Wz:KdtyHs5VxVXlk5SbLTsdutVKm_s9to49wjSW5kIHJvY" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Bitcoin
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  $22,442.86
                 </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="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #BEF2BA; background-color: rgba(40, 211, 26, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +35.63%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Formula One -->
            <tr>
             <td class="pads10 pads6m lastline" style="border-bottom:1px solid #e6e6e6;padding-bottom:0;text-align: center; border-top: 1px solid #e6e6e6; mso-padding-alt: 0 20px 0 20px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse;" width="100%">
               <tr>
                <td align="center" class="markets-arrow-cell" style="width:12%;text-align: center; line-height: 1em;" valign="middle">
                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aeef46b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1pZ8Wz:KdtyHs5VxVXlk5SbLTsdutVKm_s9to49wjSW5kIHJvY" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px; white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  Formula One
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
                 <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: left;">
                  $75.12
                 </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="width:70%;border-collapse:collapse; margin: 0 auto;">
                  <tr>
                   <td style="padding-left: 8px; padding-right: 8px; padding-top: 10px; padding-bottom: 10px; border-radius: 8px; background-color: #BEF2BA; background-color: rgba(40, 211, 26, 0.3);" valign="middle">
                    <p class="pad0 mar0 markets-table-text" style="line-height:22px;margin-top:0;margin-bottom:15px;padding:0;margin:0;font-size:16px;white-space: nowrap; font-weight: bold; vertical-align: middle; line-height: 1em; text-align: center;">
                     +26.23%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Formula One -->
            <!-- START REGULAR TEXT -->
            <tr>
             <td style="padding: 3px 15px 10px 15px">
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;padding: 0; margin: 0; text-align: left; font-size: 13px;">
               *Stock data as of market close, cryptocurrency data as of  1:00am ET.
               <a class="link-sm" rel="noopener" style="border-bottom:1px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Here's what these numbers mean.
               </a>
              </p>
             </td>
            </tr>
            <!-- END REGULAR TEXT -->
            <tr>
             <td style="padding: 0px 15px 0px 5px; mso-padding-alt: 0px 15px 15px 5px;">
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Markets:
                 </strong>
                </span>
                <span>
                 Stocks broke out of their slump last week, but investors are still facing black-diamond-level conditions in this jittery market. As usual, the Fed is playing the boogeyman: In recent comments, officials have begun to signal that they plan to raise rates higher and for longer to tame stubborn inflation.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  Stock spotlight:
                 </strong>
                </span>
                <span>
                 Formula One shares reached a record high as the racing season began in Bahrain yesterday. Max Verstappen shares are also at a record high.
                </span>
               </li>
              </ul>
              <div style="display:none;">
              </div>
             </td>
            </tr>
            <tr>
             <td style="padding: 0px 15px 0px 5px; mso-padding-alt: 0px 15px 15px 5px;">
             </td>
            </tr>
           </table>
          </th>
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        </table>
        <!--[if !mso ]><! -- -->
       </div>
      </div>
      <!-- <![endif]-->
      <!-- END MARKETS -->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              BUSINESS
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                More companies are selling a ‘first-class’ experience
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <!--[if mso]>
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           <!-- -->
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          </a>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             How I Met Your Mother/CBS via Giphy
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Have you recently splurged on a higher-quality product even though it costs more? Hulu without ads? Fancy jeans? A Le Creuset instead of a regular ol’ Dutch oven?
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Companies are hyperfocused on attracting that particular kind of customer right now. According to the NYT, they’re going all-in on “
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                premiumization
               </a>
               ,” which is a strategy to entice customers to pay more for what is perceived as a better-quality product or service.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Premiumization isn’t new.
               </strong>
               Starbucks famously did it with coffee in the 1990s, and airlines have been dangling a luxurious first-class experience for decades. Premiumization has been especially popular in the
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                consumer goods space
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               But what’s new is the
               <em>
                breadth
               </em>
               of companies that are trying to extract more $$$ from their wealthiest customers. Execs referenced the premiumization concept in close to 60 earnings calls and investor meetings in the past several weeks, per the New York Times. A few examples:
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Krispy Kreme, which offered bargain deals last year, is now aiming to generate “excitement around our premium specialty doughnuts.”
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Six Flags has raised prices “in order to elevate the guest experience.”
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Even WD-40 is souping up its cans with things like a “smart straw” to get consumers to pay more.
                </span>
               </li>
              </ul>
              <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
               Why is this happening?
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Companies facing slowdowns in other areas see growth opportunities in upselling their wealthiest customers, who are sitting on more than $1 trillion in excess savings since the pandemic.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               And those customers seem willing to play along. “All around the world, people are
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                spending more
               </a>
               on better products,” L’Oréal’s CEO Nicolas Hieronimus recently said. “The pandemic has generated this desire to pamper yourself.”
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Big picture:
               </strong>
               The urge to focus on premium products could result in fewer options for lower-income Americans, who spend a greater share of their income on essentials like housing and food, the NYT notes.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               The auto market is already out of reach for many Americans. At the end of 2022, only 10 car models were priced below $25,000, compared to 36 at the end of 2017.
              </p>
             </div>
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              TOGETHER WITH TAXACT
             </h3>
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                Bag a bigger return
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             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              It’s tax time, and, well…times are hard! With inflation in full swing (and rising costs that make even your simplest omelet more expensive), we’re all looking for ways to increase our cash flow.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              With TaxAct, you can ensure your tax return is filed accurately (with a $100k Accuracy Guarantee) and that you get
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               the maximum refund,
               <em>
                guaranteed
               </em>
              </a>
              . No matter how complex your return, TaxAct’s easy-to-use software and step-by-step guidance help you file quickly and confidently.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Super simple, right?
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              It gets even better. Through TaxAct’s Xpert Assist, you can get help from live tax experts who can answer any questions you may have.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               File with TaxAct today
              </a>
              .
             </p>
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      <!-- ARTICLE --->
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              WORLD
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                Tour de headlines
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          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
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             Mark Kolbe/Getty Images
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              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Ftropical-fish_1f420.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                UN agrees to protect the seas.
               </strong>
               In a deal decades in the making, more than 190 countries
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                established a framework
               </a>
               to protect marine life on the “high seas”—which are the 60% of the world’s oceans that lie outside of national boundaries. Currently, only 1.2% of those areas are protected, but the UN High Seas Treaty hopes to turn 30% of international waters into protected areas by 2030. Almost 10% of global marine species are at risk of extinction, per the International Union for Conservation of Nature.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fblack-rightwards-arrow_27a1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                Proposed Florida laws will push it hard to the right.
               </strong>
               Ahead of a new legislative session tomorrow, GOP lawmakers have unveiled a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                suite of bills
               </a>
               that are delighting conservatives and worrying progressives, free speech groups, and civil rights leaders. The bills include provisions that would ban gender studies majors and minors in higher education, open up media organizations to more libel lawsuits, and create a universal school choice voucher program. Gov. Ron DeSantis, the champion of this conservative agenda, is expected to run for president in 2024.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Ftrain_1f686.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                Another train derailment in Ohio.
               </strong>
               For the second time in about a month, a Norfolk Southern train
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                derailed
               </a>
               in Ohio. Unlike the first incident, which spilled toxic chemicals and forced the evacuation of East Palestine, the train that derailed on Saturday was not carrying any hazardous materials, the railroad said. It’s an inauspicious start to an already tense week for Norfolk Southern: CEO Alan Shaw will receive a grilling from senators when he testifies on Capitol Hill on Thursday.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              TECH
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                ChatGPT not a hit on college campuses…yet
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Chart showing use of ChatGPT on college campuses" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F006bcb5d6c955c21db6848507a70b61401cc78f5-1500x1000.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1pZ8Wz:Zc-QMAS0TDStAyyfjDS7oIN03i6HSZtz3_i5CVXwqGg" style="display: block; width: 100%; max-width: 670px;" width="670"/>
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           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Despite a cyclone of headlines and hype, ChatGPT remains almost as unpopular on campus as the overachiever who asks a question when the professor is about to end class.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               In a survey of 520 US college students, a Morning Brew/Generation Lab
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                poll
               </a>
               found that 40% have never heard of the chatbot from OpenAI.
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Of those who have heard of ChatGPT, 52% have never used it.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 And the students who said they
                </span>
                <span>
                 <em>
                  do
                 </em>
                </span>
                <span>
                 fire up ChatGPT…don’t use it all that much, as 55% of respondents who said they’ve used ChatGPT do so “almost never.”
                </span>
               </li>
              </ul>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Of course, ChatGPT was released just a few months ago—so in a sense it is quite remarkable that 60% of college students
               <em>
                have
               </em>
               heard of it. Still, it hasn’t made major inroads on college campuses yet, even while many instructors warn the new tech could create havoc in the classroom.
              </p>
              <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
               Uses for ChatGPT
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Among the students who
               <em>
                do
               </em>
               use ChatGPT…what are they using it for?
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  For giggles:
                 </strong>
                </span>
                <span>
                 71% of students who’ve used ChatGPT said they use it in part for entertainment or just for fun.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  As Google:
                 </strong>
                </span>
                <span>
                 32% of students who’ve used ChatGPT said they use it in part for quick answers to simple questions, and 31% to understand complex topics.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 <strong style="color:#000">
                  For…cheating?
                 </strong>
                </span>
                <span>
                 17% of students who’ve heard of ChatGPT said they have direct knowledge of friends having used ChatGPT to cheat.
                </span>
               </li>
              </ul>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Check out the full write-up here
               </a>
               .
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              TOGETHER WITH BRILLIANT
             </h3>
            </td>
           </tr>
          </table>
          <a class="" style="text-decoration:none;border:none;" target="_blank">
           <!--[if mso]>
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<![endif]-->
           <!--[if !mso]>-->
           <!-- -->
           <img alt="Brilliant " class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia2.morningbrew.com%252Fuploads%252Fplacement%252Fimages%252F10279%252F1677709870-016_1.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYTIubW9ybiJ9:1pZ8Wz:RgXSoniI3q4EbFXH_j0RmBy259t1uilU9G3h2Q2R4js" style="display: block; width: 100%; max-width: 670px;" width="670"/>
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              <strong style="color:#000">
               Sharpen your skills with bite-size lessons.
              </strong>
              Learning a little every day is one of the best habits you can develop.
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               Brilliant’s quick, visual, hands-on lessons
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              make it easy to master math, data, and CS concepts—from foundational math to AI and beyond. Join 10M+ people and
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               start learning with a free 30-day trial
              </a>
              .
             </p>
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         <th class="card" style="text-align:left;font-weight:400;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px;">
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              CALENDAR
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                The week ahead
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <img alt="Jerome Powell " class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F0f67efea88cf16752b811647bab07b808b404673-3000x2001.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1pZ8Wz:Zc-QMAS0TDStAyyfjDS7oIN03i6HSZtz3_i5CVXwqGg" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             Pool/Getty Images
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                “Hell week” on Wall Street.
               </strong>
               As we mentioned at the top, this week features several
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                potential landmines
               </a>
               for the stock market. One of them is the jobs report on Friday. Employment numbers have been on the rise, and continued strength in the labor market could lead to more interest rate hikes. Another key event this week: Fed Chair Jerome Powell’s testimony on Capitol Hill. He’s expected to field questions on the trajectory of inflation and the looming debt-ceiling crisis.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Daylight saving time begins.
               </strong>
               This week might be the last time you leave work while it’s still dark out for a while, because we’re “springing forward” on Sunday and getting more daylight in the evening. Some lawmakers are reviving efforts to make DST permanent.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                March Madness is almost here.
               </strong>
               College basketball teams will make their final push to be included in the NCAA tournament ahead of Selection Sunday on March 12.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Everything else…
               </strong>
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 The Hindu festival of Holi is on Wednesday.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 International Women’s Day is on Wednesday.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Pregame the Academy Awards on Sunday by watching
                </span>
                <span>
                 <em>
                  Tár
                 </em>
                </span>
                <span>
                 and
                </span>
                <span>
                 <em>
                  The Banshees of Inisherin
                 </em>
                </span>
                <span>
                 .
                </span>
               </li>
              </ul>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              GRAB BAG
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                Key performance indicators
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <img alt="Medical examination room" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ff54f19dfff6e67289f29b385c6429f98d6236418-2081x1440.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1pZ8Wz:Zc-QMAS0TDStAyyfjDS7oIN03i6HSZtz3_i5CVXwqGg" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             Getty Images
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Stat:
               </strong>
               Men will literally go to therapy instead of getting their annual checkups. A Cleveland Clinic survey of men last year found that
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                55% do not get regular health screenings
               </a>
               , which is a far lower share than women. So, why do men avoid the turn-and-cough? Several potential reasons: their belief they might not need to, the concern of receiving bad news, and the taboo nature of talking about health issues with other dudes, the NYT suggests.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Quote:
               </strong>
               “You know what people say, they say, ‘Words hurt.’ Anybody that say words hurt has never been punched in the face.”
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Comedian Chris Rock spoke at length about Will Smith slapping him at the Oscars in his
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                live Netflix standup
               </a>
               special Saturday night. (Spoiler: He wasn’t particularly delighted about getting smacked.) In the special, called
               <em>
                Selective Outrage
               </em>
               , Rock also touched on topics such as “wokeness”; Americans’ addiction to attention; and celebs including Beyoncé, the Kardashians, and Meghan Markle.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Read:
               </strong>
               A DNA test revealed the CEO of my company is my half-brother. (
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Ask a Manager
               </a>
               )
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              NEWS
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                What else is brewing
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <ul style="margin-top:0;padding-left:30px">
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 China
                </a>
               </span>
               <span>
                set a modest economic growth target of around 5% this year at the onset of its legislature’s annual gathering. That’s its lowest growth projection in more than 25 years.
               </span>
              </li>
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 Two US senators
                </a>
               </span>
               <span>
                plan to release a bill this week that would enable the government to ban foreign technology products—yes, like TikTok.
               </span>
              </li>
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 Judy Heumann
                </a>
               </span>
               <span>
                , the activist known as the “mother of the disability rights movement,” died at age 75.
               </span>
              </li>
              <li style="line-height:22px;margin-bottom:10px">
               <span>
                “
               </span>
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 Gruyere
                </a>
               </span>
               <span>
                ” can be used as a label for cheese even if it was made outside the Gruyère region of Switzerland and France, a US appeals court ruled.
               </span>
              </li>
             </ul>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
        <tr>
         <th class="card" style="text-align:left;font-weight:400;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px;">
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              FROM THE CREW
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                Make Excel work for you
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="A meme of a woman trying to figure out confusing math problems" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F4629ab60fb60ff14e36917a7e79a215a17bb719c-681x445.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1pZ8Wz:Zc-QMAS0TDStAyyfjDS7oIN03i6HSZtz3_i5CVXwqGg" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             Senhora do Destino/Rede Globo
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              You know Excel has all the answers, but maybe you don’t know which questions to ask. We’ve been there, and that’s exactly why we are excited to offer our on-demand course Excel Shortcuts and Productivity Hacks. Learn how to make your life easier and
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               enroll today
              </a>
              .
             </p>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
        <tr>
         <th class="card" style="text-align:left;font-weight:400;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px;">
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           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              RECS
             </h3>
            </td>
           </tr>
          </table>
          <img alt="Monday to-do list image" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F9d5648a2d2258fd68bce60989fe26a0a1138ae6b-1500x375.png%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1pZ8Wz:Zc-QMAS0TDStAyyfjDS7oIN03i6HSZtz3_i5CVXwqGg" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                Good TikTok account:
               </strong>
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Unclogging drains
               </a>
               is oddly satisfying.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                Always a treat:
               </strong>
               Dan Wang’s
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                year in review
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                If you watched cartoons as a kid…
               </strong>
               you’ll love this unaired Cartoon Network special about the worst cartoons ever. (
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                YouTube
               </a>
               )
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                We’re hiring another writer.
               </strong>
               If you think you can write this newsletter better than we can,
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                apply here
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
                Startups are hard.
               </strong>
               Building a retail startup during peak pandemic while going through Chapter 11 was
               <em>
                really
               </em>
               hard. One founder managed this, emerging with the world’s leading VR experience.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Listen in for the full story
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Whoosh whiz:
               </strong>
               Mailchimp analyzes millions of data points from billions of emails (yup,
               <em>
                billions
               </em>
               ) to help
               <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                elevate your email game
               </a>
               . Be sure to catch
               <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                the latest ep of The Crazy Ones
               </a>
               , sponsored by Mailchimp.*
              </p>
              <placementslot data-id="8e76abee8dee">
              </placementslot>
              <placementslot data-id="c645e3f5c330">
              </placementslot>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <sup>
                <em>
                 *This is sponsored advertising content.
                </em>
               </sup>
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
        <tr>
         <th class="card" style="text-align:left;font-weight:400;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#333;display:block;background-color:#fff;border-radius:15px;border:1px solid #e6e6e6;border-collapse:collapse;box-shadow:none;margin-bottom:0px;">
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              GAMES
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                The puzzle section
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Turntable:
               </strong>
               Mary tells me today’s Turntable features the longest pangram (15 letters) that we’ve ever featured in this game.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                See if you can solve it here
               </a>
               .
              </p>
              <h2 style="font-family:Helvetica, Arial, sans-serif;font-size:19px;font-weight:700;color:#000;margin-top:0;margin-bottom:15px;margin-right:0;margin-left:0">
               Food geography trivia
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Let’s return to the subject of Gruyère for today’s trivia. The cheese was originally developed in the Swiss town of Gruyères, and it’s not the only food product named after its place of origin.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               We’ll give you a food product with a place-based name, and you have to identify the
               <em>
                country
               </em>
               the name originates from.
              </p>
              <ol>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Black Forest ham
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Lima bean
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Sriracha sauce
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Cheddar cheese
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Fig Newton
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Habanero pepper
                </span>
               </li>
              </ol>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
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          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              AROUND THE BREW
             </h3>
             <h1 style="font-family:Helvetica, Arial, sans-serif;font-size:24px;color:#333;font-weight:700;margin-bottom:0;line-height:26px;margin-top:8px">
              <a style="color:#000000!important;text-decoration:none;border-bottom:none!important;" target="_blank">
               <font color="#000000">
                The AI revolution in retail
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Gif of a robot arm holding out retail shopping bags" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F731958d745ef2c883a06ea209dec22de1c897dd6-1500x1000.gif%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1pZ8Wz:Zc-QMAS0TDStAyyfjDS7oIN03i6HSZtz3_i5CVXwqGg" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
          <span class="source" style="display:inline-block;padding-left:10px;margin-top:5px;margin-bottom:0px;line-height:14px">
           <small>
            <em>
             Amelia Kinsinger
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Frobot-face_1f916.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
               There’s more to retail AI than chatbots (think: autonomous security robots). Retail Brew explains
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                four uses for AI in retail
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fchart-with-upwards-trend_1f4c8.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
               The ultimate Excel hack you never knew you needed: Our best-selling Excel desk pad has over 60 Excel functions and over 70 shortcuts right at your fingertips.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Shop now
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fbriefcase_1f4bc.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1pZ8Wz:X7WiaRgrhJnA_La5cClVKClm2Ny-2zXE6qP2Pi7uSOI" style="max-width:18px" width="18"/>
               There are a lot of bad marketing tips out there—this isn’t one of them. Check out
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                The Brief
               </a>
               , our one-day marketing summit in NYC.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
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      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
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            <td style="padding: 15px;">
             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              SHARE THE BREW
             </h3>
            </td>
           </tr>
          </table>
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           <tr>
            <td style="padding-right:15px;padding-bottom:15px;padding-left:15px;padding-top:0px">
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333;border-bottom-width:2px;border-bottom-style:solid;border-bottom-color:#1c7ff2;text-decoration:none;color:#252525;" 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="line-height:22px;margin-top:0;margin-bottom:15px;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 class="">
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