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           Plus: Benefits of screaming, Krispy Kreme’s new partner, Dire Straits, and more.
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                  <p style="padding-bottom: 10px; font-size: 16px; line-height: 140%; margin: 5px 0px 0px;">
                   A factory-sealed, first-edition 8GB iPhone sold at auction for $39k+. Its original price was $599 in 2007 — or $852 today, adjusted for inflation.
                  </p>
                  <p style="padding-bottom: 10px; font-size: 16px; line-height: 140%; margin: 5px 0px 0px;">
                   <strong>
                    In today’s email:
                   </strong>
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                   <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                    <strong>
                     TRAPs:
                    </strong>
                    How employers “trap” people with training fees.
                   </li>
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                    <strong>
                     Chart:
                    </strong>
                    The decline of wafer-making nuns.
                   </li>
                   <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                    <strong>
                     March Madness:
                    </strong>
                    Could be getting more games.
                   </li>
                   <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px;padding: 0px">
                    <strong>
                     Around the Web:
                    </strong>
                    Screaming for health, the perfect outro, famous art but spooky, and more cool internet finds.
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                   🎧 On the go?
                   <a style="color: #192733;text-decoration: underline !important">
                    Listen to today’s 10-minute podcast
                   </a>
                   to hear Zack and Juliet discuss scrutiny over employers charging workers for training fees, Netflix’s news, McDonald’s partnerships, and more.
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              <td style="color:#bF2434;font-size: 16px;font-weight: bold;letter-spacing: 1.5px;text-transform:uppercase; padding: 0px 0px 10px">
               The big idea
              </td>
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               <a style="color: #192733; text-decoration: underline !important">
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                Zachary Crockett
               </p>
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              <td>
               <h2 style="font-family:'Oswald', 'Roboto', helvetica, sans-serif;font-size:22px;line-height: 26px; font-weight:bold;margin: 10px 0px 5px">
                Some workers say their job billed them for… quitting?
               </h2>
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              <td class="h2020 ignore-defaults" style="padding:5px 0px 0px">
               <p style="font-size: 16px;line-height: 140%;margin: 5px 0px 10px;">
                It’s called Training Repayment Agreement Provisions (TRAPs), a practice that’s under scrutiny from federal and state agencies, including the Consumer Financial Protection Bureau (CFPB),
                <a style="color: #192733; text-decoration: underline !important;">
                 per
                </a>
                <em>
                 Reuters
                </em>
                .
               </p>
               <h4 style="font-size:17px;height:100%; letter-spacing: 0px;line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 TRAPs…
                </strong>
               </h4>
               <p style="font-size: 16px;line-height: 140%; margin: 5px 0px 10px">
                … require workers to reimburse their employer for training if they leave their job — or, in some cases, are laid off — before a set time.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px">
                The practice dates back to the ‘80s, but only applied to a few high-income professions, such as pilots or engineers,
                <a style="color: #192733; text-decoration: underline !important;">
                 per
                </a>
                <em>
                 Market Watch
                </em>
                .
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                It’s since spread to other sectors, affecting ~10% of US workers, per a 2020 Cornell Survey Research Institute survey.
               </p>
               <ul style="font-size: 16px;line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 16px; line-height: 140%;margin: 0 0 0 15px; padding: 0px 0px 10px">
                 A Washington state salon tried to sue an esthetician for $1.9k in training fees.
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding:0px 0px 10px">
                 An Ohio roofing company
                 <a style="color: #192733;text-decoration: underline !important;">
                  required
                 </a>
                 salespeople to repay $42k if they left before three years.
                </li>
                <li style="font-size:16px; line-height:140%;margin: 0 0 0 15px;padding: 0px">
                 A California plaintiff
                 <a style="color: #192733; text-decoration: underline !important;">
                  filed a lawsuit
                 </a>
                 against PetSmart on behalf of groomers, who were expected to repay $5k+.
                </li>
               </ul>
               <h4 style="font-size: 17px; height: 100%;letter-spacing: 0px; line-height: 22px;padding-top:8px;margin:0px">
                <strong>
                 The problem with TRAPs
                </strong>
               </h4>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px">
                TRAPs may be beneficial to companies who invest in employees, especially amid a labor shortage. Some certifications, like a commercial driver’s license, can be valuable.
               </p>
               <p style="font-size: 16px;line-height: 140%;margin: 5px 0px 10px;">
                But the Consumer Federation of America
                <a style="color: #192733; text-decoration: underline !important;">
                 calls
                </a>
                TRAPs a “form of shadow student debt” that literally traps workers in jobs, even if wages are low and conditions are poor.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                The CFPB is also concerned that TRAPs may prevent employees who’ve already undergone schooling, like nurses, from finding better jobs.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 What’s next?
                </strong>
               </h4>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                Legislators and officials are considering moves to limit TRAPs.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                California has
                <a style="color: #192733; text-decoration: underline !important;">
                 already banned
                </a>
                TRAPs for health care workers, while Colorado has prohibited them for standard job training.
               </p>
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               TRENDING
              </td>
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                  <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                   <strong>
                    Wow:
                   </strong>
                   Rolls-Royce revealed the
                   <a style="color: #192733; text-decoration: underline !important;">
                    Spectre
                   </a>
                   , a ~$400k EV that will hit the streets in late 2023, and said it already has hundreds of pre-orders.
                  </p>
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              </td>
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              </td>
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           </td>
          </tr>
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               SNIPPETS
              </td>
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             <tr>
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               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 Netflix
                </strong>
                gained
                <strong>
                 2.4m
                </strong>
                subscribers in
                <a style="color: #192733; text-decoration: underline !important;">
                 Q3
                </a>
                , for a total of 223m+. It expects to gain 4.5m in Q4 as it rolls out its ad-supported tier,
                <a style="color: #192733; text-decoration: underline !important;">
                 but
                </a>
                will stop offering subscriber forecasts in 2023.
               </p>
               <p style="font-size: 16px;line-height:140%; margin: 5px 0px 10px">
                <strong>
                 Speaking of Netflix:
                </strong>
                It’s also testing a Profile Transfer
                <a style="color:#192733;text-decoration: underline !important;">
                 feature
                </a>
                that lets users move their history and settings to a new account.
               </p>
               <p style="font-size: 16px;line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 Ikea
                </strong>
                <a style="color: #192733; text-decoration: underline !important">
                 partnered
                </a>
                with Kodiak Robotics, whose self-driving trucks will make daily deliveries from a Houston warehouse to a Dallas store.
               </p>
               <p style="font-size: 16px;line-height: 140%;margin: 5px 0px 10px;">
                <strong>
                 Krispy Kreme
                </strong>
                shares received a
                <a style="color:#192733;text-decoration: underline !important">
                 4.8% bump
                </a>
                Tuesday after McDonald’s announced it would test selling its donuts at a handful of Louisville stores.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 Meta
                </strong>
                <a style="color: #192733; text-decoration: underline !important;">
                 agreed
                </a>
                to sell Giphy over UK regulators’ concerns that it could limit competition by restricting access to the site’s GIF library.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 Oof:
                </strong>
                NY Attorney General Letitia James
                <a style="color: #192733; text-decoration: underline !important;">
                 served
                </a>
                Donald Trump with a $250m fraud lawsuit, accusing the Trump Organization of exaggerating its company’s worth for years.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 Purr-niture?
                </strong>
                Pet furniture searches like “catify your home” are up 4x this year.
                <a style="color: #192733;text-decoration: underline !important">
                 Our Trends report
                </a>
                drops startup ideas and product inspiration, like a litter box cabinet making $139k/mo.
               </p>
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               CHART
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                <img alt="decline of wafer-making nuns" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252Fcomposer%252Fimages%252Fsailthru-prod-6ks%252Fnuns.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1ol6Mc:D7DE-7clBdRmH8EeWOlFHtU7EBf7pE8GQIaxUCizdNg" style="height:auto;width: 100%; max-width: 600px" width="600"/>
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               <p style="font-family: 'Roboto', helvetica, sans-serif;color:#192733;font-size:12px;font-style: italic;padding-bottom:10px;line-height: 20px;margin: 0px">
                Zachary Crockett
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               <h2 style="font-family: 'Oswald', 'Roboto', helvetica, sans-serif;font-size: 22px;line-height:26px;font-weight:bold;margin: 10px 0px 5px">
                How nuns got squeezed out of the wafer business
               </h2>
              </td>
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              <td class="h2020 ignore-defaults" style="padding: 5px 0px 0px;">
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px">
                Sister Ruth Starman opens the door to a red brick building on the sprawling 500-acre campus of the Benedictine Sisters of Perpetual Adoration.
               </p>
               <p style="font-size:16px;line-height: 140%;margin: 5px 0px 10px">
                We’re in rural Clyde, Missouri, but it feels like Italy. Imposing turrets and steeples peek out above stalks of corn and grassy meadows. Bells ring throughout the day.
               </p>
               <h4 style="font-size:17px; height: 100%;letter-spacing: 0px; line-height:22px; padding-top: 8px;margin: 0px">
                <strong>
                 Just a few years ago…
                </strong>
               </h4>
               <p style="font-size: 16px;line-height: 140%; margin: 5px 0px 10px">
                … the place was a bustling enterprise. After morning prayers, the nuns baked communion wafers here, sometimes churning out
                <strong>
                 2m+ in a week
                </strong>
                and shipping them to clients ranging from parishes to prisons to Princess Cruise Lines.
               </p>
               <p style="font-size:16px;line-height: 140%; margin: 5px 0px 10px">
                Communion wafers used to be almost entirely produced by nuns. But today it’s a different story.
               </p>
               <p style="font-size:16px; line-height: 140%; margin: 5px 0px 10px;">
                Now, almost every communion wafer comes from the for-profit Cavanagh Company, the United States’ altar bread monopoly.
               </p>
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                <!--[if mso]><i style="letter-spacing: 25px; mso-font-width: -100%; mso-text-raise: 30pt;">&nbsp;</i><![endif]-->
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                 Read the full story. →
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                <!--[if mso]><i style="letter-spacing: 25px; mso-font-width: -100%;">&nbsp;</i><![endif]-->
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               FREE RESOURCE
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               <h2 style="font-family: 'Oswald', 'Roboto', helvetica, sans-serif; font-size:22px;line-height: 26px; font-weight:bold;margin: 10px 0px 5px">
                35 code snippets for familiar website features
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                Next time you’re cranking out a website, don’t sleep on
                <strong>
                 code snippets
                </strong>
                <em>
                 .
                </em>
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                They exist to be stolen. You can save hella time with text blocks that are ready to use and easy to improve on.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px">
                We’ve compiled dozens. Take these
                <a style="color: #192733; text-decoration: underline !important;">
                 coding templates
                </a>
                to start baking in useful site features like menus, buttons, search bars, animations, and more.
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px; line-height: 22px; padding: 8px 0px 10px; margin: 0px">
                <strong>
                 HTML, CSS, and JavaScript coding templates for:
                </strong>
               </h4>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 CSS effects
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 CSS accordions
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Nav menus and breadcrumbs
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Progress bars
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Button transitions
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 Web forms and search bars
                </li>
               </ul>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                Tons of cut-and-paste options at your disposal. Right here.
               </p>
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                <!--[if mso]><i style="letter-spacing: 25px; mso-font-width: -100%; mso-text-raise: 30pt;">&nbsp;</i><![endif]-->
                <span style="mso-text-raise: 15pt;">
                 35 code templates →
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                <!--[if mso]><i style="letter-spacing: 25px; mso-font-width: -100%;">&nbsp;</i><![endif]-->
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               More Madness
              </td>
             </tr>
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                <img alt="basketball" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252Fcomposer%252Fimages%252Fsailthru-prod-6ks%252Fbasketball_1.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1ol6Mc:D7DE-7clBdRmH8EeWOlFHtU7EBf7pE8GQIaxUCizdNg" style="height: auto; width: 100%; max-width: 600px" width="600"/>
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               <h2 style="font-family: 'Oswald', 'Roboto', helvetica, sans-serif; font-size: 22px; line-height: 26px; font-weight: bold; margin: 10px 0px 5px">
                The NCAA wants more Madness
               </h2>
              </td>
             </tr>
             <tr>
              <td class="h2020 ignore-defaults" style="padding: 5px 0px 0px;">
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                Every year in March, millions of fans attempt to craft the perfect bracket, and the NCAA gets to make
                <a style="color: #192733; text-decoration: underline !important;">
                 ~$1B
                </a>
                .
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                But soon, a perfect bracket may be even harder to crack and the NCAA may get even richer, as the organization is
                <a style="color: #192733; text-decoration: underline !important;">
                 considering
                </a>
                expanding its basketball tournaments, per
                <em>
                 Axios
                </em>
                .
               </p>
               <h4 style="font-size: 17px; height: 100%; letter-spacing: 0px;line-height: 22px; padding-top: 8px; margin: 0px;">
                <strong>
                 March Madness…
                </strong>
               </h4>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px">
                … currently includes 68 teams, but a proposed plan could increase the field to 96. Opinions vary among college coaches:
               </p>
               <ul style="font-size: 16px; line-height: 20px; padding-bottom: 10px; padding-left: 12px; margin: 0;">
                <li style="font-size: 16px;line-height:140%; margin: 0 0 0 15px;padding:0px 0px 10px">
                 Miami’s Jim Larrañaga and Syracuse’s Jim Boeheim favor the idea, believing it could give more teams more opportunity.
                </li>
                <li style="font-size: 16px;line-height: 140%; margin: 0 0 0 15px; padding: 0px">
                 Others, like Virginia’s Tony Bennett, think expansion could lead to the tournament losing its luster.
                </li>
               </ul>
               <h4 style="font-size: 17px;height: 100%;letter-spacing: 0px;line-height: 22px;padding-top: 8px; margin: 0px;">
                <strong>
                 If it happens…
                </strong>
               </h4>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px">
                … the NCAA would join several professional and amateur sports leagues that have added games in recent years, including:
               </p>
               <ul style="font-size:16px; line-height: 20px;padding-bottom: 10px;padding-left: 12px; margin: 0">
                <li style="font-size: 16px;line-height:140%; margin: 0 0 0 15px;padding: 0px 0px 10px">
                 <strong>
                  The FBS,
                 </strong>
                 which
                 <a style="color: #192733; text-decoration: underline !important">
                  introduced
                 </a>
                 a four-team college football playoff in 2014.
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px 0px 10px">
                 <strong>
                  The NFL,
                 </strong>
                 which
                 <a style="color: #192733; text-decoration: underline !important">
                  increased
                 </a>
                 its regular season from 16 to 17 games in 2021.
                </li>
                <li style="font-size: 16px; line-height:140%; margin: 0 0 0 15px;padding: 0px 0px 10px">
                 <strong>
                  The NBA,
                 </strong>
                 which
                 <a style="color: #192733;text-decoration: underline !important">
                  launched
                 </a>
                 a play-in tournament for the seventh through 10th seeds in 2021.
                </li>
                <li style="font-size: 16px; line-height: 140%; margin: 0 0 0 15px; padding: 0px;">
                 <strong>
                  The MLB,
                 </strong>
                 which
                 <a style="color: #192733; text-decoration: underline !important;">
                  expanded
                 </a>
                 its wild card format from one game to a three-game series this season.
                </li>
               </ul>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                While expanding the tournament would objectively offer more opportunity, it’s hard to overlook the NCAA’s financial motives.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                The tournament accounts for 85%+ of the association’s annual revenue, and every added game is another chance to milk the cash cow.
               </p>
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              <td style="color:#bF2434;font-size:16px; font-weight: bold; letter-spacing: 1.5px; text-transform: uppercase; padding: 10px 3px 0px;">
               AROUND THE WEB
              </td>
             </tr>
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              <td class="h2020 ignore-defaults" style="font-size: 15px; line-height:20px; margin: 0;padding: 15px 0px 0px 3px;">
               <p style="font-size:16px;line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 📉 On this day:
                </strong>
                In 1987, AKA Black Monday, the Dow Jones Industrial Average fell
                <a style="color:#192733;text-decoration: underline !important">
                 22.6%
                </a>
                , the largest single-day decline in history.
               </p>
               <p style="font-size:16px; line-height: 140%; margin: 5px 0px 10px">
                😱
                <strong>
                 How to:
                </strong>
                <a style="color: #192733; text-decoration: underline !important;">
                 Scream
                </a>
                to make yourself feel better.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px">
                <strong>
                 🎥 Haha:
                </strong>
                This
                <a style="color: #192733; text-decoration: underline !important;">
                 website
                </a>
                ’s single purpose is to prove you could end any film with Dire Straits’ “Walk of Life.”
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 🎃 Spooky:
                </strong>
                <em>
                 Hyperallergic
                </em>
                asked DALL-E to recreate famous
                <a style="color: #192733; text-decoration: underline !important;">
                 artworks
                </a>
                , but scary.
               </p>
               <p style="font-size: 16px; line-height: 140%; margin: 5px 0px 10px;">
                <strong>
                 🍰 Aww:
                </strong>
                And now, who wants
                <a style="color: #192733; text-decoration: underline !important;">
                 whipped cream
                </a>
                ?
               </p>
              </td>
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              </td>
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              <td style="color: #bF2434; font-size: 16px; font-weight: bold; letter-spacing: 1.5px; text-transform: uppercase; padding: 5px 2px 15px;">
               Meme
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              <td align="center" style="text-align: center; padding: 0 0 6px">
               <img alt="bear fishing" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.sailthru.com%252Fcomposer%252Fimages%252Fsailthru-prod-6ks%252FBear_DALLE.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5zYWlsdCJ9:1ol6Mc:D7DE-7clBdRmH8EeWOlFHtU7EBf7pE8GQIaxUCizdNg" style="height: auto; width: 100%;max-width:600px" width="600"/>
              </td>
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               <p align="center" style="font-family: 'Roboto', helvetica, sans-serif; color: #192733;font-size: 12px; font-style: italic; padding-bottom: 10px;text-align: center;line-height: 20px; margin: 0px;">
                AI-generated image of “A brown bear sits in the foggy morning on the bank of the river with a fishing rod.” Prompt courtesy of Andrey from Odessa.
               </p>
               <p align="center" style="font-family: 'Roboto', helvetica, sans-serif;color:#192733;font-size: 12px; font-style: italic; padding-bottom: 10px;text-align: center;line-height: 20px; margin: 0px;">
                Have an idea?
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                 Submit it here
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                .
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