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   Daily Brew // Morning Brew // Update
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     Apple is getting into buy now, pay later...
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             March 29, 2023
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              TOGETHER WITH
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                Good morning.
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               According to the New York Times, there is apparently a monthly Ryan Meetup for Ryans at Ryan Maguire’s Bar &amp; Restaurant in Manhattan—no non-Ryans allowed.
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               This Ryan congress builds on a rich tradition of people gathering for no apparent reason other than they share the first name on their birth certificate.
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                 In the past two years, Joshes have convened in Nebraska for the annual “Josh Fight” to raise money for charity.
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                 But our favorite same-name meetup happened at a UK pub in 2019, where 433 Nigels got together to “celebrate Nigelness” before the name goes extinct. No one in the country named their baby Nigel in 2020.
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               —
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                Matty Merritt, Sam Klebanov, Neal Freyman, Abby Rubenstein
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              Clicking on newsletter links is the only way for us to know you are reading (and enjoying) Morning Brew. If you don't click by next month, you will stop receiving this newsletter.
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               MARKETS
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                  Nasdaq
                 </p>
                </td>
                <td class="markets-value-cell" style="width:34%" valign="middle">
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                  11,716.08
                 </p>
                </td>
                <td class="markets-bubble-cell" style="width:20%;padding-top: 8px; padding-bottom: 8px;" valign="middle">
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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;">
                     -0.45%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
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             </td>
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            <!-- 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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                 <img alt="" class="markets-arrow" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aedba0d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" style="width:22%" width="20"/>
                </td>
                <td class="markets-ticker-cell" style="width:34%" valign="middle">
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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;">
                  3,971.27
                 </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;">
                     -0.16%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END S&P -->
            <!-- Dow -->
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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%252Fmedia.sailthru.com%252F5z8%252F1k5%252F4%252Fm%252F6081a6aedba0d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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;">
                  32,394.25
                 </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;">
                     -0.12%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
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              <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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;">
                  3.567%
                 </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;">
                     +3.0 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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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;">
                  $27,192.76
                 </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;">
                     +0.10%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Bitcoin -->
            <!-- Alibaba -->
            <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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;">
                  Alibaba
                 </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;">
                  $98.40
                 </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;">
                     +14.26%
                    </p>
                   </td>
                  </tr>
                 </table>
                </td>
               </tr>
              </table>
             </td>
            </tr>
            <!-- END Alibaba -->
            <!-- 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  3:00am 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;">
              <div>
               <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>
                  The Nasdaq stumbled for the
                 </span>
                 <span>
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   second straight day
                  </a>
                 </span>
                 <span>
                  as rising bond yields banged up the tech sector, which is ultrasensitive to higher interest rates. Yesterday’s MVP: Alibaba. Shares in the Chinese e-commerce giant popped after it announced the most extreme restructuring in its history: It’s going to split up into six business units (“
                 </span>
                 <span>
                  <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                   mini Alibabas
                  </a>
                 </span>
                 <span>
                  ,” the FT writes) that could IPO separately.
                 </span>
                </li>
               </ul>
              </div>
              <div style="display:none;">
              </div>
             </td>
            </tr>
            <tr>
             <td style="padding: 0px 15px 0px 5px; mso-padding-alt: 0px 15px 15px 5px;">
              <div style="line-height:22px;margin-top:0;margin-bottom:15px;padding:15px;background-color:#E8E8E8">
               <p style="line-height:22px;margin-top:0;margin-bottom:15px;margin-bottom:0px;">
                <strong style="color:#000;color:#000;font-size:16px;color:#1c7ff2;">
                 Markets Sponsored by Aura Health
                </strong>
               </p>
               <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                <strong style="color:#000">
                 Invest in a startup backed by Silicon Valley legends.
                </strong>
                Aura is the leading mental wellness marketplace with 7m+ users, tackling a $100b opportunity.
                <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 Invest in Aura by 4/3 (four days left!) and get 5% bonus shares
                </a>
                .
               </p>
               <p style="line-height:22px;margin-top:0;margin-bottom:15px;font-size: 10px; line-height: 14px;">
                <em>
                 This is a paid advertisement for Aura Health’s Regulation CF Offering. Please read the offering circular at
                </em>
                <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                 <em>
                  invest.aurahealth.io
                 </em>
                </a>
                <em>
                 .
                </em>
               </p>
              </div>
             </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" 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">
              FINANCE
             </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">
                Apple is getting into buy now, pay later
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Apple pay later screen." class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F9f5b1ea2b3a14306d67baae76a7f3e507286243d-1500x1000.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1phSga:AtJ5_0t3-sd-wKGuyoMUocYZYCwa9jVcwg6gxRALoJ8" 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>
             Apple
            </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">
               It has never been easier to trick yourself into paying $250 for a pair of jeans, because Apple
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                rolled out
               </a>
               its buy now, pay later (BNPL) service yesterday. The feature, Apple Pay Later, was introduced to randomly selected Apple Pay users and will become available to more customers over the next few months.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                How it works:
               </strong>
               When using Apple Pay to buy something, users can pay for $50–$1,000 purchases in four payments over six weeks with no interest or fees.
              </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">
               It’s a weird time to get into BNPL
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Rewind to peak Covid, when digital layaway companies were hotter than matching sweatsuits. In 2021, Swedish BNPL company Klarna was Europe’s most valuable fintech startup at a valuation of $45.6 billion. The same year, Block (formerly Square) bought the Australian BNPL company Afterpay for a staggering $30 billion.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                But eye-popping valuations didn’t stick around for long.
               </strong>
               By mid-2022, rising interest rates strained BNPL companies’ business models, and regulators started cracking down on potentially predatory lending practices. Plus, the BNPL field has gotten more crowded than an Old Navy during the 2010 $1 flip-flop sale as established companies like Walmart and PayPal tried to cash in on the gold rush.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               But now, the state of BNPL looks more like…an Old Navy the day after the $1 flip-flop sale. Klarna’s valuation plummeted 85% to just $6.7 billion in a July 2022 funding round. And when the short seller Hindenburg
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                accused
               </a>
               Block of being ultra-sketchy in a scathing report last week, it said that acquiring Afterpay was actually a very bad idea, btw, because the company was “designed in a way that avoided responsible lending rules.”
              </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">
               Apple sees opportunity among the ruins
              </h2>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               While unprofitable BNPL startups watch their VC drips dry up, the tech behemoth is cool with losing money on its Apple Pay Later feature for a while. It’s got iPhone money. And Apple has been playing the long game in its ultimate goal of replacing your leather wallet completely. In October 2014, when Apple Pay was first introduced, 3% of retailers in the US used its contactless payment service. Now, over 85% of retailers accept Apple Pay.
               <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%252Fmedia.sailthru.com%252F5z8%252F1k4%252F4%252F2%252F5e865734bf6f7.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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%252Fmedia.sailthru.com%252F5z8%252F1k4%252F4%252F2%252F5e86574d1eb82.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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%252Fmedia.sailthru.com%252F5z8%252F1k4%252F4%252F2%252F5e86576e04837.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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%252Fmedia.sailthru.com%252F5z8%252F1k4%252F4%252F2%252F5e8657887c532.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1phSga:gQhVbSHALwXz_Rop_twFl4JfFvBcizGVNP6Lile95QA" 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" 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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             <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="Robin Wolfenden prays at a makeshift memorial for victims outside the Covenant School building at the Covenant Presbyterian Church following a shooting, in Nashville, Tennessee," class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F84659e583bfaddec1a2c2113674d70949dca620f-1024x683.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1phSga:AtJ5_0t3-sd-wKGuyoMUocYZYCwa9jVcwg6gxRALoJ8" 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>
             Brendan Smialowski/AFP via Getty Images
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
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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%252Fbroken-heart_1f494.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
                Nashville shooting update:
               </strong>
               The suspect who fatally shot six people, including three children, at The Covenant School on Monday had
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                bought seven firearms legally
               </a>
               in recent years that they hid from their parents, and was in treatment for an unspecified emotional disorder, police said. Between 1966 and 2019, 77% of mass shooters bought at least one of the guns they used in their attacks legally, according to the National Institute of Justice. You can read about the lives of the victims of the Nashville school shooting
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                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%252Fblack-left-pointing-double-triangle_23ea.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
                An appeals court reinstated the conviction of
                <em>
                 Serial
                </em>
                ’s Adnan Syed.
               </strong>
               Yesterday, a Maryland appeals court
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                reinstated
               </a>
               Syed’s conviction for the murder of his former high school girlfriend, ruling that the victim’s family should have been given more notice before the hearing on the state’s motion to vacate his conviction. Syed, whose efforts to overturn his conviction gained national prominence via the massively popular podcast
               <em>
                Serial
               </em>
               , spent 23 years in prison while maintaining his innocence. The court’s decision will not necessarily send Syed back there, as it gives the parties 60 days to decide how to move forward.
              </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%252Fmoney-bag_1f4b0.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
                Sam Bankman-Fried charged with bribing Chinese officials.
               </strong>
               US prosecutors added
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                another indictment
               </a>
               to SBF’s already
               <em>
                extensive
               </em>
               list of criminal counts, accusing the FTX founder of bribing Chinese government officials with ~$40 million worth of crypto payments. Prosecutors claim that SBF directed employees to send payments to at least one Chinese official in exchange for China freeing up frozen accounts connected to his hedge fund, Alameda Research. The US says those accounts contained more than $1 billion in crypto.
              </p>
             </div>
            </td>
           </tr>
          </table>
         </th>
        </tr>
       </table>
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      <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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             <h3 style="font-family:Helvetica, Arial, sans-serif;font-size:16px;color:#1c7ff2;font-weight:700;margin-top:0;margin-bottom:0">
              TOGETHER WITH STARBUCKS
             </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">
                Your favorite Frappuccino coffee, now mini
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a class="" style="text-decoration:none;border:none;" target="_blank">
           <img alt="Starbucks" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia2.morningbrew.com%252Fuploads%252Fplacement%252Fimages%252F10390%252F1680013300-FRAPPMINICONCEPT5BIGFRAPPFLAVORUSAENGMASTERSTATIC4x3.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYTIubW9ybiJ9:1phSga:nMwHiWMrnePcnrUzMtMsnsSBNUvz5d7up1Puea8KXR0" 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">
              Want to add a spark of joy to your day? What better time to put some pep in your step than your daily coffee-break ritual? But finding the perfect, on-the-go coffee? That can be tricky.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Until now. Enter
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               mini cans of Starbucks Frappuccino coffee
              </a>
              . You read that correctly—the just-right Frappuccino coffee drink you know and love, now in a just-right-sized can. These minis are perfect for adding a quick, flavorful pick-me-up to your day.
             </p>
             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              Rest assured: This mini-size coffee packs the same big flavor as the Frappuccino coffee drinks you’ve enjoyed from our iconic glass bottles, in
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               delicious creamy Caramel and smooth White Chocolate Mocha
              </a>
              .
             </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">
               Make your day a little sweeter
              </a>
              .
             </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">
              AI
             </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 is coming for workers who type a lot
               </font>
              </a>
             </h1>
            </td>
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          </table>
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           <!--[if mso]>
<img alt="South Park gif about automation" style="display: block; width: 100%; max-width: 670px;" width="670" height=447 src="https://storage.morningbrew.com/gif/2023-03-28/image-ff587ac20409d88b5df82f75d62c7809f8bb26fa-360x240-gif/southpark-giphy-0323_360.gif">
<![endif]-->
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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>
             Southpark via Giphy
            </em>
           </small>
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           <tr>
            <td style="padding:15px">
             <div>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Accountants, survey researchers, and interpreters could see a sizable chunk of their day-to-day work get outsourced to ChatGPT, according to a
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                study
               </a>
               published by researchers from the University of Pennsylvania and OpenAI, the company behind ChatGPT.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               If you’re not eager to compete with a language model for a job, you might want to consider physical labor. The study found that for tire repairers, meatpackers, and athletes, ChatGPT was about as impactful as a degree in metaverse real estate management.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Ultimately, the study found the most GPT-able jobs to be those performed by knowledge workers, particularly ones who spend their days coding and writing
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fgrimacing-face_1f62c.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               .
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               The paper stopped short of predicting how quickly typing prompts into AI tools could become part of the workflow of various jobs. But it’s already happening at some workplaces: One digital artist went viral recently by
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                lamenting
               </a>
               how their job went from creating original art to entering prompts into the text-to-image AI app Midjourney and editing its output in a matter of weeks.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Looking ahead…
               </strong>
               almost 1 in 5 US employees could have at least half of their work tasks disrupted by ChatGPT, per the study. And Goldman Sachs estimates that AI chatbots might affect 300 million full-time workers across the major economies.
               <em>
                —SK
               </em>
              </p>
             </div>
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                </a>
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                </span>
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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">
              FOOD
             </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">
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               <font color="#000000">
                Cloudy with a chance of mammoth meatballs
               </font>
              </a>
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           <img alt="Mammoth meatballs" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F939e7feb5e7af7dfce35cb7ef7901c9140930764-1500x1000.jpg%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1phSga:AtJ5_0t3-sd-wKGuyoMUocYZYCwa9jVcwg6gxRALoJ8" 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>
             Vow
            </em>
           </small>
          </span>
          <table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse;" width="100%">
           <tr>
            <td style="padding:15px">
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              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               The Australian food company Vow said yesterday that it’s
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                made a meatball
               </a>
               from the extinct woolly mammoth.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               This wasn’t the result of a freezer cleanup 10,000 years overdue. Vow “grows” unconventional meat in a lab to offer a protein alternative to slaughtered animals and reduce the environmental impact of animal agriculture.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               To make the mammoth meatball, Vow took the DNA sequence of a mammoth’s muscle protein, added a splash of elephant DNA, and then inserted that completed gene into a sheep muscle cell, where it was grown (along with many more sheep genes) into 400 grams of meat. Add salt to taste.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                So, why mammoth?
               </strong>
               The animal probably wasn’t chosen because it’s particularly tender or goes well with marinara—unfortunately, Neanderthal Guy Fieri didn’t leave a review.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Instead, the mammoth was selected to generate marketing buzz around Vow’s mission. The idea was the brainchild of creative agency Wunderman Thompson, whose global chief creative officer,​​ Bas Korsten, told the Guardian that mammoth meatballs were intended to “start a conversation” about the harmful environmental impact of meat consumption.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Looking ahead…
               </strong>
               the mammoth meatball won’t be coming to an Ikea near you anytime soon. But Vow is hoping to get its first cultivated meat product, Japanese quail, sold in restaurants in Singapore this year.—
               <em>
                NF
               </em>
              </p>
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              TOGETHER WITH SURVEYMONKEY
             </h3>
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           <img alt="SurveyMonkey" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia2.morningbrew.com%252Fuploads%252Fplacement%252Fimages%252F10575%252F1679404711-Marketing_Brew_1000x750.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYTIubW9ybiJ9:1phSga:nMwHiWMrnePcnrUzMtMsnsSBNUvz5d7up1Puea8KXR0" style="display: block; width: 100%; max-width: 670px;" width="670"/>
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             <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              <strong style="color:#000">
               Catch some zzz’s:
              </strong>
              Losing sleep worrying about your
              <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               marketing strategy
              </a>
              ? Whether you want to understand your customers, find answers for your team, or just make sense of the chaos, SurveyMonkey has the tools and insights you need. SurveyMonkey helps cut through the noise and find opportunities for success.
             </p>
             <hr/>
             <div class="snap-poll-container" style="margin-bottom:15px;line-height:22px;margin-bottom: 15px;">
              <div style="margin-bottom: 5px;">
               <p style="line-height:22px;margin-top:0;margin-bottom:15px">
                Which question keeps you up at night?
               </p>
              </div>
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fmoney-bag_1f4b0.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               What’s the best investment for my marketing budget?
               <br/>
              </a>
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fraised-hand_270b.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               What do my customers want?
               <br/>
              </a>
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fright-pointing-magnifying-glass_1f50e.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               Which competitors should I watch closely?
               <br/>
              </a>
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fhandshake_1f91d.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               How can I improve customer loyalty?
               <br/>
              </a>
              <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
               <img alt="" src="https://inboxflows.com/_/image/https%253A%252F%252Fem-content.zobj.net%252Fthumbs%252F120%252Fapple%252F237%252Fhugging-face_1f917.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               Is my team happy?
               <br/>
              </a>
             </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">
              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>
          <!--[if mso]>
<img alt="Marshall Islands soccer ball" style="display: block; width: 100%; max-width: 670px;" width="670" height=447 src="https://storage.morningbrew.com/gif/2023-03-28/image-2ad3af17e9cebcd17c610114312a91af890f47a1-1500x1000-gif/marshall-islands-soccer-0323.gif">
<![endif]-->
          <!--[if !mso]>-->
          <!-- -->
          <img alt="Marshall Islands soccer ball" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fstorage.morningbrew.com%252Fgif%252F2023-03-28%252Fimage-2ad3af17e9cebcd17c610114312a91af890f47a1-1500x1000-gif%252Fmarshall-islands-soccer-0323.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZzdG9yYWdlLm1vciJ9:1phSga:hRuJKhrEMotDBTQINI9wWHr9Dk6Lf4dBm-qF0CQjWYk" style="display: block; width: 100%; max-width: 670px;" width="670"/>
          <!--<![endif]-->
          <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">
               <strong style="color:#000">
                Stat:
               </strong>
               The Marshall Islands is the
               <em>
                only
               </em>
               UN-recognized country
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                without a national soccer team
               </a>
               , according to ESPN. Yes, even Vatican City (which is one-seventh the size of Central Park) has a national soccer team. But some Marshall Islands soccer boosters are aiming to establish a team and one day upset Brazil at the World Cup. Okay, maybe their ambitions don’t extend that far, but they do want to use soccer to raise awareness about climate change’s impacts on this cluster of islands in the Pacific Ocean. Projections show that 40% of the capital island of Majuro will be underwater by 2030.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Quote:
               </strong>
               “SVB’s failure is a textbook case of mismanagement.”
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               Michael Barr, the Fed’s vice chair for supervision, and other financial regulators
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                testified
               </a>
               on Capitol Hill yesterday about the two biggest bank blowups since the financial crisis. Lawmakers were keen to blame both Silicon Valley Bank’s executives, who made risky bets that collapsed in value, and regulators, who may have been asleep at the wheel. No consensus was reached on how to prevent the next bank from imploding.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
               <strong style="color:#000">
                Read:
               </strong>
               The impossible job of being a Premier League referee. (
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                The Guardian
               </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]-->
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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" 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">
              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">
                 JPMorgan CEO Jamie Dimon
                </a>
               </span>
               <span>
                agreed to testify under oath over the bank’s ties to the late convicted sex offender Jeffrey Epstein.
               </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">
                 AMC
                </a>
               </span>
               <span>
                stock popped 13% after a report from The Intersect claimed Amazon was considering buying the theater chain.
               </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">
                 Lucid
                </a>
               </span>
               <span>
                , the EV startup, is laying off ~18% of its workforce, or around 1,300 employees.
               </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">
                 Disney
                </a>
               </span>
               <span>
                has cut its metaverse division as part of 7,000 layoffs, according to the WSJ.
               </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">
                 McKinsey
                </a>
               </span>
               <span>
                , the consulting firm that usually recommends layoffs at
               </span>
               <span>
                <em>
                 other
                </em>
               </span>
               <span>
                companies, is cutting about 1,400 roles from its own roster.
               </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">
                 Substack
                </a>
               </span>
               <span>
                is allowing writers on its platform to buy shares in the company for as little as $100. Substack has already raised $82 million in venture capital.
               </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">
              RECS
             </h3>
            </td>
           </tr>
          </table>
          <img alt="Wednesday to-do list" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252F34d82bb518e3f0c754ac7d2c55bce1a9cf45775a-1500x375.png%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1phSga:AtJ5_0t3-sd-wKGuyoMUocYZYCwa9jVcwg6gxRALoJ8" 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">
               <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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Before there was Drippy Pope…
               </strong>
               there was
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Balenciaga Harry Potter
               </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
                The gift of knowledge:
               </strong>
               Here’s a list of
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                free educational resources
               </a>
               on the internet, broken down by category.
              </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Sure to spark a debate:
               </strong>
               The
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                best debut albums ever
               </a>
               , ranked.
              </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                What are we missing?
               </strong>
               Here are
               <a class="link" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                nine trends
               </a>
               that may be overlooked by the media but will be studied by historians.
              </p>
              <p style="line-height:22px;margin-top:0;margin-bottom:15px">
              </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
                Work smarter:
               </strong>
               Finance executives are
               <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                addressing talent gaps
               </a>
               and replacing manual tasks with AI. Aspiring finance leaders: Join Workday and Fortune on April 12 for a CFO-led webinar preparing finance teams to succeed with advanced technologies.
               <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Don’t miss out
               </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=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlbS1jb250ZW50LiJ9:1phSga:JZZxBdU7Uj9xj1eC74uMbfnolU1koqVPg1poPaI8Tvw" style="max-width:18px" width="18"/>
               <strong style="color:#000">
                Build with confidence:
               </strong>
               Ditch the guesswork + get practical, actionable advice on how to grow your business when you check out the new episode of
               <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                The Crazy Ones
               </a>
               , sponsored by
               <a class="link" rel="noopener" style="border-bottom:2px solid #1c7ff2;text-decoration:none;color:#333" target="_blank">
                Intuit Mailchimp
               </a>
               .*
              </p>
              <placementslot data-id="370e75cffc2a">
              </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]-->
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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" 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">
                The biggest questions in cybersecurity, answered
               </font>
              </a>
             </h1>
            </td>
           </tr>
          </table>
          <a style="text-decoration:none;border:none;" target="_blank">
           <img alt="Tech Brew's cybersecurity event image" class="story-header-image" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.sanity.io%252Fimages%252Fbl383u0v%252Fproduction%252Ffad568ad3ef234d3171d3f21d1a321a923486fc4-1920x1080.png%253Fw%253D670%2526q%253D70%2526auto%253Dformat/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4uc2FuaXR5LiJ9:1phSga:AtJ5_0t3-sd-wKGuyoMUocYZYCwa9jVcwg6gxRALoJ8" 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">
               Tech Brew connected with industry experts to address the biggest questions in cybersecurity and discuss the challenges created by our increasingly digital economy.
              </p>
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