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   Daily Brew // Morning Brew // Update
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     Why mortgage rates hit a 23-year high...
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             October 06, 2023
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             <a rel="noopener" style="color: #000000; text-decoration: none;" target="_blank">
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              Shop 10% Off
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              PRESENTED BY
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               <strong style="color:#000">
                Good morning.
               </strong>
               For all the new managers in the house: Do you dread your 1:1s? Are you finally understanding what it means to have impostor syndrome? Do you wish there were something you could do besides watch
               <em>
                Horrible Bosses
               </em>
               and try to do the opposite?
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               There
               <em>
                is
               </em>
               something you can do. Morning Brew’s one-week virtual course for new managers will begin on Monday, Oct. 9, and teach you how to communicate better, develop a D1 team, and make sure
               <em>
                your
               </em>
               bosses know how well you’re doing.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Your employees will still talk about you behind your back, but with your newfound skills, way more of what they say will be positive.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Learn more here
               </a>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               —
               <em>
                Matty Merritt, Molly Liebergall, Cassandra Cassidy, Adam Epstein, Dave Lozo
               </em>
              </p>
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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">
               MARKETS
              </h3>
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            <tr>
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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%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" style="width:22%" width="20"/>
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                  Nasdaq
                 </p>
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                  13,219.83
                 </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;">
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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;">
                     -0.12%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
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             </td>
            </tr>
            <!-- END Nasdaq -->
            <!-- S&P -->
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             <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;">
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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%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" style="width:22%" width="20"/>
                </td>
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                  S&amp;P
                 </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;">
                  4,258.19
                 </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: #FFB3B3; background-color: rgba(255, 3, 3, 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;">
                     -0.13%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
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                 <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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;">
                  33,119.57
                 </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;">
                     -0.03%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Dow -->
            <!-- 10-Year -->
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             <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;">
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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%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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;">
                  4.708%
                 </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: #FFB3B3; background-color: rgba(255, 3, 3, 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;">
                     -2.8 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%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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;">
                  $27,503.13
                 </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: #FFB3B3; background-color: rgba(255, 3, 3, 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;">
                     -0.93%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Clorox -->
            <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%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fe4a85d043f857cc8adaca9d546c099f6d7db37ba-44x39.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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;">
                  Clorox
                 </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;">
                  $124.93
                 </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: #FFB3B3; background-color: rgba(255, 3, 3, 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;">
                     -5.23%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Clorox -->
            <!-- 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 11:00pm 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; mso-padding-alt: 0px 15px 15px 15px;">
              <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 closed slightly lower yesterday as investors
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  await
                 </a>
                </span>
                <span>
                 today’s key job market data. And for the second straight day, Treasury yields inched down after hitting 16-year highs earlier this week. Meanwhile, Clorox shares continued their slide toward a
                </span>
                <span>
                 <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                  52-week low
                 </a>
                </span>
                <span>
                 as the company deals with the fallout of a cyberattack.
                </span>
               </li>
              </ul>
              <div style="display:none;">
              </div>
             </td>
            </tr>
            <tr>
             <td style="padding: 0px 20px; mso-padding-alt: 0px 20px 15px 20px;">
             </td>
            </tr>
           </table>
          </th>
         </tr>
        </table>
        <!--[if !mso ]><! -- -->
       </div>
      </div>
      <!-- <![endif]-->
      <!-- END MARKETS -->
      <!-- ARTICLE --->
      <!--[if !mso ]><! -- -->
      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              REAL ESTATE
             </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">
                Mortgage rates hit a 23-year high
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="An image showing a home with rising mortgage rates" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F7527c3548316ee2565ba4bf720579f7e36da4664-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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>
             Francis Scialabba
             <br/>
            </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">
               The good news: You’re seeing fewer “We did a thing!” posts from high-school acquaintances holding shiny new house keys. The bad news: You’re probably not getting your hands on shiny new house keys, either. The average 30-year fixed-rate mortgage
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                reached 7.8%
               </a>
               this week, their highest level since 2000.
              </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">
               Why is this happening?
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                It’s due partly to a change in Treasury yields.
               </strong>
               Mortgage rates usually rise alongside the 10-year Treasury yield, which can signify investor optimism in the economy. And the 10-year Treasury yield hit 4.8% on Tuesday, a height it hadn't reached since 2007.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               So, investors thinking the economy looks good means you can’t buy a house? Yeah, kinda.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                It’s also the Fed.
               </strong>
               Over the last 40 years, the Federal Reserve has been slowly undoing a hike-a-palooza from the ’80s that bumped interest rates close to 19%. Mortgage rates drop when the Fed loosens its grip on the country’s monetary policy. But last year, Fed Chair Jerome Powell decided the party was over and started hiking rates again—and much more quickly than first-time home buyers are used to—to combat inflation. Meaning: Mortgage rates spiked, too.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                What this means for you:
               </strong>
               If you were one of the lucky ones who purchased a quiet bungalow at a mortgage rate of 3% during the pandemic, well, congrats. Now the housing market is basically at a standstill as high mortgage rates refuse to budge. Housing demand
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                dropped
               </a>
               to its lowest level since 1996 last week, according to the Mortgage Bankers Association, since owners don’t want to sell and lose their lower mortgage rate. So there isn’t much inventory even for those looking to buy.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Looking ahead…
               </strong>
               the Fed has signaled that interest rates will stay elevated, so we’re likely to see mortgage rates hit 8% (for some borrowers, they
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                already have
               </a>
               ). If and when the job market weakens, the Fed could finally relax rates, which would make mortgages drop. Yay?
               <em>
                —MM
               </em>
              </p>
             </div>
             <!-- SOCIAL LINKS -->
             <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
              <tr>
               <td style="padding-top: 12px;">
                <a class="" rel="noopener" style="text-decoration: none;" target="_blank">
                 <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fcab2ac077d288f7ba1df3571cb0ec28ce8f32b86-357x357.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" style="display: inline-block; width: 25px" width="25"/>
                </a>
                <span>
                </span>
                <a class="" rel="noopener" style="text-decoration: none;" target="_blank">
                 <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fea53a551202a4963e49199a40daf05b487846624-357x357.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" style="display: inline-block; width: 25px" width="25"/>
                </a>
                <span>
                </span>
                <a class="" rel="noopener" style="text-decoration: none;" target="_blank">
                 <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F774271f5d2278014f1af0759475660e1761384eb-357x357.png%253Fw%253D50%2526fit%253Dmax/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" style="display: inline-block; width: 25px" width="25"/>
                </a>
               </td>
              </tr>
             </table>
             <!-- END SOCIAL LINKS --->
            </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" class="story-card-table outer" style="border-collapse:collapse;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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              PRESENTED BY BOSE
             </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">
                <strong>
                 Sound just leveled up
                </strong>
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Bose" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F5092332d1e5a98dda39215ca347b443827f9f331-1500x1000.jpg%253Fw%253D668%2526q%253D90%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
          <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">
               Attention audiophiles, music lovers, podcast junkies, and everyone in between
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fpolice-cars-revolving-light_1f6a8.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               : There’s a brand-new pair of earbuds ready to transform your listening experience.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Meet Bose’s QuietComfort Ultra Earbuds. They offer
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                world-class noise cancellation and breakthrough spatialized audio
               </a>
               for more immersive listening, no matter the content or source. Yep, sound just got
               <em>
                real
               </em>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               The cherry on top? They’re built with an
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                elevated design and luxe materials
               </a>
               so listeners can jam out and tune in with unrivaled comfort. It’s everything music makes you feel, taken to new heights.
              </p>
              <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">
                Give your ears the VIP treatment
               </a>
               .
              </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" class="story-card-table outer" style="border-collapse:collapse;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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              WORLD
             </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">
                Tour de headlines
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <img alt="A border wall in Texas" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fb5e94b9d6ca616cd80f923256b76be3aaf6738cc-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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>
             Patrick T. Fallon/Getty Images
             <br/>
            </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">
                <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fbrick_1f9f1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
                Biden’s building (some of) the wall.
               </strong>
               His administration is
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                waiving 26 federal laws
               </a>
               to allow for the construction of a border wall in South Texas. Homeland Security Secretary Alejandro Mayorkas said there is “an acute and immediate need” to build physical barriers in Starr County, where 245,000 illegal entries have been recorded so far this year, according to government data. President Biden maintained his position that a wall is ineffective but said he was
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                left with no choice
               </a>
               but to allow up to 20 miles to be built because Congress allocated funding specifically for it in 2019. “They have to use the money for what it was appropriated,” Biden told reporters. “I can’t stop that.”
              </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%252Fcloud_2601.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Amazon’s and Microsoft’s cloud services are under investigation.
               </strong>
               UK regulators
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                announced a probe
               </a>
               yesterday into the tech companies’ cloud computing market dominance. Combined, the two owned 70%–80% of the UK’s public cloud infrastructure in 2022, which Britain’s media regulator, Ofcom, argued makes it hard for businesses to switch providers. Both Amazon and Microsoft said they would work “constructively” with regulators. The probe could foreshadow more inquiries into the companies’ stranglehold on global cloud computing—the US Federal Trade Commission sought public comment on the industry earlier this year.
              </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%252Fsleuth-or-spy_1f575.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Belgian intelligence is monitoring Alibaba for spying.
               </strong>
               The country’s security service told the FT that it’s looking into “
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                possible espionage
               </a>
               ” performed by Chinese entities at Alibaba’s logistics hub in Liège. Of particular concern is Alibaba’s use of software that can access data about merchants and pass along insights into any vulnerabilities to China. Alibaba denied the allegations, which come as several other European countries increase scrutiny of the possible security risks posed by Chinese companies.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
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       <!-- <![endif]-->
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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">
              TRAVEL
             </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">
                Michelin will tell you which hotels are worth the trip
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Michelin key logo" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ff0a674481fecc6c61d74f5b0b98771d29c29656f-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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>
             Illustration: Francis Scialabba, Image: Michelin
            </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">
               You’ve heard of Michelin stars for restaurants, if not from
               <em>
                The Bear
               </em>
               , then from your friend who ate at Eleven Madison Park once and reminds you of it every chance they get.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Now, say hello to Michelin keys: Yesterday,
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                the French tire company announced
               </a>
               that in 2024, it will start awarding “keys” to hotels around the world that meet its high standards, relying on its own judges checking into hotels anonymously to determine top-tier stays.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               The key program is Michelin’s latest move to grab a bigger piece of the rapidly growing travel and hospitality industry.
              </p>
              <ul style="margin-top:0;padding-left:30px">
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 In 2018, Michelin acquired the hotel booking platform Tablet, enabling consumers to book their stays through the Michelin website.
                </span>
               </li>
               <li style="line-height:22px;margin-bottom:10px">
                <span>
                 Awarding keys will help the company compete with rivals World’s 50 Best and La Liste, both of which began ranking hotels for the first time this year.
                </span>
               </li>
              </ul>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Zoom out:
               </strong>
               The company has come a long way since it started making the Michelin Guide, a series of physical books, in 1900 to convince people to drive long distances to restaurants (so Michelin would sell more tires). A Michelin star can change the career of a chef, and a Michelin Guide can transform a local economy—so much so that tourism boards have paid the company
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                hundreds of thousands of dollars
               </a>
               to publish one for their cities.
               <em>
                —CC
               </em>
              </p>
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                </a>
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             <!-- END SOCIAL LINKS --->
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         </th>
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      <div class="c6" style="margin-bottom:7px">
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       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;border-collapse: collapse;" width="100%">
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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 BETTERMENT
             </h3>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Betterment" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fcb644096090ab64f13f395c2727f96d188f072df-600x600.png%253Fw%253D668%2526q%253D90%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          </a>
          <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">
              <strong style="color:#000">
               Invest with ease.
              </strong>
              With Betterment’s tax-smart tools, expert-built
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               portfolios
              </a>
              , and automated rebalancing, investing just got a lot less tedious. Betterment’s array of diversified ETF portfolios (including stocks and bonds) make it easy to get into—and stay in—the market without stressing the nitty-gritty.
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               Simplify your investing
              </a>
              .
             </p>
            </td>
           </tr>
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         </th>
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       </table>
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       <!-- <![endif]-->
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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">
              ENERGY
             </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">
                Alaskans get a cut of the state’s oil money
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="An Alaska-shaped oil spill with a check written into it" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F6b4f644caea0d9701fc39687095796f06767e1aa-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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>
             Francis Scialabba
            </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">
               Sometimes, it pays to live in the tundra. Starting this week, Alaska residents will receive their annual dividend from the state’s
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                oil earnings fund
               </a>
               —this year, it’s a check for $1,312.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Dwellers of the wintry land—which is home to the biggest oil field in North America—have received a share of Alaska’s oil revenue every year since 1982. This year’s payments will amount to more than $881 million, according to the state’s Department of Revenue.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                How will Alaskans spend it?
               </strong>
               Caught between
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                collapsing fisheries
               </a>
               and a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                rising cost of living
               </a>
               , many people will spend their dividends on bills, groceries, and other necessities. But retailers also try to encourage a splurge: Sale signs like “101 Dividend Deals!” are all over Anchorage.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                But…
               </strong>
               as Alaska’s oil production
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                declines
               </a>
               (it hit its lowest level since 1976 last year), lawmakers have tapped the unique fund to help cover the state budget, stoking concerns that the nest egg will crack. That’s why some are in favor of reinstating an income tax, which Alaska repealed decades ago…when oil production was booming.
               <em>
                —ML
               </em>
              </p>
             </div>
             <!-- SOCIAL LINKS -->
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                </a>
                <span>
                </span>
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                </a>
                <span>
                </span>
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                </a>
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       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;border-collapse: collapse;" width="100%">
        <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">
              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="Homeless encampment in Denver, Colorado" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F9439d554b96000274ac53ed969a5ad951aa4e91e-1500x1000.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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>
             Hyoung Chang/Getty Images
            </em>
           </small>
          </span>
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             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Stat:
               </strong>
               Score one for universal basic income proponents.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                The Denver Basic Income Project
               </a>
               , funded partly by the city, has been giving vulnerable people up to $1,000 a month as part of an experiment to reduce homelessness. At the start of the trial, only 10% of the group had their own housing. Now, halfway through the yearlong study, more than a third have a house or apartment. Rates of sleeping outdoors also dropped dramatically. The results are similar to those of an experiment in San Francisco, in which two-thirds of participants who were experiencing homelessness at the start had found permanent housing by the end.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Quote:
               </strong>
               “This month was, in my professional opinion as a climate scientist—absolutely gobsmackingly bananas.”
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               There are times when describing something as “gobsmackingly bananas” is a good thing, like landing a cool skateboard trick. You don’t, however, want to hear it used in reference to the
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                global temperature
               </a>
               , as climate scientist Zeke Hausfather did this week. Last month was a whopping 1.7 degrees Fahrenheit hotter than the historical average for September, making it the most anomalously hot month ever
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                by a large margin
               </a>
               . Researchers don’t understand all of the contributing factors, but they know greenhouse gases are making the situation worse.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Read:
               </strong>
               America’s factory boom brings billion-dollar projects to tiny towns. (
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Bloomberg
               </a>
               )
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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      <!-- <![endif]-->
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      <!-- ARTICLE --->
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       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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">
              QUIZ
             </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">
                Quiz: The Musical
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="New Friday quiz image" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F215e92bf9db8d1b0eb13e4e74ccab19fb6a3f1bb-3000x750.jpg%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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>
             <div>
             </div>
            </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">
               The feeling of getting a 5/5 on the Brew’s Weekly News Quiz has been compared to getting Final Jeopardy right.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               It’s that satisfying.
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Ace the quiz
               </a>
               .
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
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      <div class="c6" style="margin-bottom:7px">
       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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 class="card-content" 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">
                 Norwegian playwright
                </a>
               </span>
               <span>
                Jon Fosse won the Nobel Prize in Literature. Congrats to Jon—and to whoever bet on him to win at
               </span>
               <span>
                <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 5/1 odds
                </a>
               </span>
               <span>
                .
               </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">
                 Elon Musk
                </a>
               </span>
               <span>
                demanded that X remove story headlines from posts in another blow to the platform’s usability.
               </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">
                 Ozempic
                </a>
               </span>
               <span>
                could be linked to three severe stomach conditions, including bowel obstruction, according to a new study.
               </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">
                 Constellation Brands
                </a>
               </span>
               <span>
                beat revenue estimates thanks to the growth of its Modelo brand, which has overtaken Bud Light as the top-selling beer in the US.
               </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">
                 Pat Fitzgerald
                </a>
               </span>
               <span>
                , the Northwestern football coach who was fired following a hazing investigation into the program, is suing the school for $130 million for wrongful termination.
               </span>
              </li>
             </ul>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
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       <!-- <![endif]-->
       <table border="0" cellpadding="0" cellspacing="0" class="story-card-table outer" style="border-collapse:collapse;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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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="Friday to-do list" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Fad36328db69bb793e533265a69cd0ac00c6f5ddd-1500x375.png%253Fw%253D668%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1qohIY:2S37CihOw2BUvGCyVA6Hfp66gc7v0jbLILY5DnyKTLI" 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>
            </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%252Fwhite-heavy-check-mark_2705.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Learn:
               </strong>
               The unexpected names of the
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                asteroids
               </a>
               in the asteroid belt between Mars and Jupiter, which include “Mother Teresa,” “James Bond,” “Ocasio-Cortez,” and “Lancearmstrong.”
              </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Watch:
               </strong>
               English musician Jacob Collier turns the thousands of random strangers in his audience into the most
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                epic choir
               </a>
               you’ve ever heard.
              </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Laugh:
               </strong>
               A fox smoking a cigar, a kangaroo playing air guitar, and an owl looking even more miserable than usual are all among
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                the finalists
               </a>
               for the Comedy Wildlife Photography Awards.
              </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Shop:
               </strong>
               You may not be able to live inside of
               <em>
                Dungeons &amp; Dragons
               </em>
               , but you can enhance your home with these fantasy-themed
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                lifestyle products
               </a>
               , like parchment-scented candles.
              </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1qohIY:cWP4DPYAC8FxhAVanbtI9qncJ6pn-Emb1Bl_hSwLXcM" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Soar to new heights:
               </strong>
               And dive into a world of relaxation with
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Indacloud
               </a>
               ’s federally legal, dispensary-grade cannabis edibles, vapes, and more. Save 35% and get free shipping to all 50 states with
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                code BREW35
               </a>
               .*
              </p>
              <placementslot data-id="8b0754a231c0">
              </placementslot>
              <placementslot data-id="68d43c313474">
              </placementslot>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <sup>
                <em>
                 *A message from our sponsor.
                </em>
               </sup>
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
      </div>
      <!-- <![endif]-->
      <!-- END ARTICLE --->
      <!-- ARTICLE --->
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       <!-- <![endif]-->
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        <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" class="story-card-table" style="border-collapse:collapse" width="100%">
           <tr>
            <td class="tag-title" 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 class="card-content" 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">
                Jigsaw:
               </strong>
               Have no fear, the Sphere is here for your puzzling entertainment. Help put the Las Vegas Sphere
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                back together again
               </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">
               Friday puzzle
              </h2>
              <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">
                Puzzle A Day
               </a>
               is a gem of a website if you’re into word games and math riddles. Here’s a clever brain teaser they recently posted:
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Write down the name of a famous singer whose first name contains six letters and whose last name contains four letters. Remove from the singer’s name the first, third, fifth, seventh, and tenth letters. The remaining five letters in the singer’s name will, in order, spell out the repeating part of a well-known song. Who is the singer and what is the song?
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
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      <!-- ARTICLE --->
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           <tr>
            <td class="tag-title" 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>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td class="card-content" 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="">
              <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
               <img class="img-responsive" src="https://inboxflows.com/_/image/https%253A%252F%252Fstorage.morningbrew.com%252Fgif%252F2023-08-24%252Fmbd_referralcardupdate_nl_ak_230821.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdG9yYWdlLm1vciJ9:1qohIY:5mzASmFn50pVpBPLRcKIKw2lfC8a_wn3qUwEtylTClc" style="display:block;width:100% !important;max-width: 640px; width: 100%;" width="640"/>
              </p>
             </a>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:15px;line-height:22px;">
              <b>
               Your referral count:
              </b>
              0
             </p>
             <a class="stb-btn" style="margin-top:inherit !important;margin-bottom:inherit !important;margin-right:inherit !important;margin-left:inherit !important;width:100%;max-width:150px;font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#ffffff;font-weight:900;text-decoration:none;text-align:center;background-color:#1c7ff2;padding-top:15px;padding-bottom:15px;padding-right:15px;padding-left:15px;border-radius:4px;display:block;">
              Click to Share
             </a>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-top:15px;margin-bottom:15px;line-height:22px;">
              Or copy &amp; paste your referral link to others:
              <br/>
              <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">
               morningbrew.com/daily/r/?kid=979c4554
              </a>
             </p>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
       <!--[if !mso]><! -- -->
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              ANSWER
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                Singer:
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               Celine Dion
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                Song:
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               “Old MacDonald Had a Farm” (E-I-E-I-O)
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                Word of the Day
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              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Today’s Word of the Day is: anomalously, meaning “in a way that is different from what is usual.” Thanks to Kristine and Michelle for the unusually good suggestion. Submit another
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               ✳︎ A Note From Betterment
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               Investing involves risk.
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