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   🏠  Retirement homes are going niche
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                   You know what’s cool?
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                  Winning a Nobel Prize. You know what’s cooler? Being so off the grid that you don’t even know about it. Immunologist Fred Ramsdell had his phone on airplane mode while hiking through Montana and only found out later he’d won the Nobel Prize in medicine. Continuing his streak as the chillest man alive, Ramsdell told
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                  the idea of winning “never crossed my mind.”
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                <img align="middle" alt="Three red Doordash delivery robots." class="stretch-on-mobile" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252Fdoordash-dot.png%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253Ddoordash-dot.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NjAwOTI5NTMuNjA1NDU2OH0:1v7Aa1:FVSQu3xtgr4PqIXHsHNs7SSpxmB3MODIWHAlKBjCJ2c" style="outline:none; text-decoration:none; max-width:100%; font-size:16px" width="560"/>
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               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17574389236785" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17574389236785_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <p style="line-height:150%">
                  <span style="font-size: 12px; font-style: italic;">
                   (DoorDash)
                  </span>
                  <br/>
                  <br/>
                  🍜
                  <span style="font-weight: normal;">
                   <strong>
                    Another day, another food-delivery bot:
                   </strong>
                  </span>
                  DoorDash is
                  <a data-hs-link-id="0" data-hs-link-id-v2="JLWMSDv3" style="color:#192733" target="_blank">
                   partnering
                  </a>
                  with Serve Robotics to roll customer orders down Los Angeles sidewalks — and, soon, streets across the US. The deal follows DoorDash’s debut of its own autonomous delivery bot, Dot, last week. The company’s also teaming up with bot-maker Coco and drone startup Wing to get you that pad thai by any means necessary.
                  <br/>
                  <br/>
                  🤔
                  <strong>
                   That’s one way to do it:
                  </strong>
                  Cards Against Humanity, the card game known for pranks including selling an empty box and a box containing cow poop, is now skirting tariffs — the cards are made overseas — with a new $25
                  <a data-hs-link-id="0" data-hs-link-id-v2="V+yUCpLZ" style="color:#192733" target="_blank">
                   limited-edition game
                  </a>
                  . Each card explains its joke in great detail, making it “informational material” not subject to tariffs, unlike games, which are. The company claimed to have received a ruling from Customs and Border Patrol that allows this.
                  <br/>
                  <br/>
                 </p>
                 <p style="line-height:150%">
                  🤦
                  <strong>
                   Cue Spider-Man pointing at Spider-Man meme:
                  </strong>
                  Australian Catholic University (ACU)
                  <a data-hs-link-id="0" data-hs-link-id-v2="mqfsytGU" style="color:#192733" target="_blank">
                   accused
                  </a>
                  ~6k students of academic misconduct. About 90% of incidents alleged that AI was used to cheat. However, it turned out that the ACU had used Turnitin, plagiarism detection software that added an AI detector in 2023, to come to these conclusions — some of which were wrong. ACU dismissed ~25% of referrals and any case where Turnitin’s AI tool was the only evidence.
                  <br/>
                  <br/>
                 </p>
                </div>
               </div>
              </td>
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            </tbody>
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            <tbody>
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               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17357724672301" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17357724672301_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; font-size:13px; line-height:150%">
                  <span style="font-family: Lato, Tahoma, sans-serif; color: #bf2434;">
                   MORE NEWS TO KNOW
                  </span>
                  <span style="font-size: 12px; color: #000000;">
                  </span>
                 </h2>
                 <ul style="line-height:150%">
                  <li>
                   <span style="font-weight: bold;">
                    Walk a mile in Google’s shoes:
                   </span>
                   Google Shopping
                   <a data-hs-link-id="0" data-hs-link-id-v2="t9v2iUZw" style="color:#192733" target="_blank">
                    added
                   </a>
                   a new AI-powered try-on tool that lets users take virtual shoes for a spin before buying. And no, you don’t have to fork over pics of your bare tootsies — the feature works with a fully clad, full-length pic.
                   <br/>
                   <br/>
                  </li>
                  <li>
                   <span style="font-weight: bold;">
                    Nerds, rejoice:
                   </span>
                   The Rubik’s WOWCube is a 2x2 version of the iconic
                   <a data-hs-link-id="0" data-hs-link-id-v2="noNcCjIZ" style="color:#192733" target="_blank">
                    puzzle
                   </a>
                   that has 24 LCD displays in place of its colored squares. Instead of matching up blue and red, gamers will be tasked with completing mobile games via the cube — and paying $300 for the gadget.
                   <br/>
                   <br/>
                  </li>
                  <li>
                   <span style="font-weight: bold;">
                    OK, this is cool:
                   </span>
                   University of Maryland researchers created a
                   <a data-hs-link-id="0" data-hs-link-id-v2="K0orlXcF" style="color:#192733" target="_blank">
                    vaccine
                   </a>
                   that, in a Phase 1 clinical trial, was found to be safe and appeared to create an immune response to Salmonella, a common cause of food poisoning that sickens 1m+ Americans annually.
                   <br/>
                   <span style="font-size: 12px; color: #000000;">
                   </span>
                   <br/>
                   <span style="font-size: 12px; color: #000000;">
                   </span>
                  </li>
                 </ul>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
          </div>
          <!--[if gte mso 9]></table><![endif]-->
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        </div>
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         <div bgcolor="#ffeeeb" class="hse-column-container" style="min-width:280px; max-width:600px; margin:0 auto; background-color:#ffeeeb">
          <!--[if (mso)|(IE)]>
      <table align="center" style="width:600px;" cellpadding="0" cellspacing="0" role="presentation" width="600" bgcolor="#ffeeeb">
      <tr style="background-color:#ffeeeb;">
    <![endif]-->
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  <td valign="top" style="width:600px;">
<![endif]-->
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<![endif]-->
          <div class="hse-column hse-size-12" id="column-1746570854524-0">
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:20px 20px 10px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17465708545246" style="color: inherit; font-size: inherit; line-height: inherit;">
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                 <h2 style="margin:0; font-size:13px; line-height:115%">
                  <span style="color: #bf2434;">
                   BREAK DOWN SOME DOORS
                  </span>
                 </h2>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
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                <a data-hs-link-id="0" data-hs-link-id-v2="SR4i75GZ" style="color:#00a4bd" target="_blank">
                 <img align="middle" alt="10-Industries-Ripe-for-Disruption-in-2025" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252F10-Industries-Ripe-for-Disruption-in-2025.png%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253D10-Industries-Ripe-for-Disruption-in-2025.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NjAwOTI5NTMuNjA1NjM5Mn0:1v7Aa1:Oe2cjd6t-ZImWJ6WTzZoNk0b9idgufPvhcwvCgRgEQQ" style="outline:none; text-decoration:none; border:none; max-width:100%; font-size:16px" width="560"/>
                </a>
               </td>
              </tr>
             </tbody>
            </table>
           </div>
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            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17465708545248" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17465708545248_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <p style="line-height:150%">
                  <span style="font-size: 20px; font-weight: bold;">
                   Your next opportunity is in some boring industry
                  </span>
                  <br/>
                  <br/>
                 </p>
                 <p style="line-height:150%">
                  We champion capitalism as much as the next citizen, but there are also megacorps and private equity powerhouses making “
                  <a data-hs-link-id="1" data-hs-link-id-v2="3OkAdkJA" style="color:#192733" target="_blank">
                   stealth monopolies
                  </a>
                  ” by acquiring the suppliers, competitors, and distribution channels in different niches.
                  <br/>
                  <br/>
                 </p>
                 <p style="line-height:150%; font-weight:bold">
                  Consider the firetruck industry, where consolidation has:
                 </p>
                 <ul style="line-height:150%">
                  <li aria-level="1">
                   Doubled or tripled prices in the last decade
                  </li>
                  <li aria-level="1">
                   Caused 2- to 4-year backlogs for essential safety equipment
                  </li>
                  <li aria-level="1">
                   Left departments nationwide suffering from aging, breaking fleets
                  </li>
                 </ul>
                 <p style="line-height:150%">
                  The silver lining for folks like you? Here are 10 golden opportunities where you can steal a humble slice of a $1B (or even $1T) pie.
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:20px 20px 30px">
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                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:separate!important">
                 <tbody>
                  <tr>
                   <td align="center" bgcolor="#bF2434" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; border-radius:8px; cursor:auto; background-color:#bF2434; mso-padding-alt:12px 18px" valign="middle">
                    <a data-hs-link-id="2" data-hs-link-id-v2="mb8f5wqt" style="color:#00a4bd; font-size:15px; font-family:Lato,Tahoma,sans-serif; Margin:0; text-transform:none; text-decoration:none; padding:12px 18px; display:block" target="_blank">
                     <strong style="color:#ffffff;font-weight:bold;text-decoration:none;font-style:normal;">
                      Topple a monopoly
                     </strong>
                    </a>
                   </td>
                  </tr>
                 </tbody>
                </table>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
          </div>
          <!--[if gte mso 9]></table><![endif]-->
          <!--[if (mso)|(IE)]></td><![endif]-->
          <!--[if (mso)|(IE)]></tr></table><![endif]-->
         </div>
        </div>
        <div class="hse-section hse-section-last" id="section-2" style="padding-left:10px; padding-right:10px">
         <div bgcolor="#ffffff" class="hse-column-container" style="min-width:280px; max-width:600px; margin:0 auto; background-color:#ffffff">
          <!--[if (mso)|(IE)]>
      <table align="center" style="width:600px;" cellpadding="0" cellspacing="0" role="presentation" width="600" bgcolor="#ffffff">
      <tr style="background-color:#ffffff;">
    <![endif]-->
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               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module-2-0-0" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module-2-0-0_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; font-size:13px; line-height:115%">
                 </h2>
                 <h2 style="margin:0; font-size:13px; line-height:115%">
                  <span style="color: #bf2434; font-family: Lato, Tahoma, sans-serif;">
                   THE BIG IDEA
                  </span>
                 </h2>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
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                <a data-hs-link-id="0" data-hs-link-id-v2="oag+kA26" style="color:#00a4bd" target="_blank">
                 <img align="middle" alt="Several elderly men and women throw their hands up for joy, surrounded by a vintage car, painting supplies, a margarita, and two rackets and two balls." src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252Fassisted-living.jpg%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253Dassisted-living.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NjAwOTI5NTMuNjA1ODA0N30:1v7Aa1:cxd5SpHLOvdU3SDyJLEZARemUEy3krXn0KMrJmGEvDI" style="outline:none; text-decoration:none; border:none; max-width:100%; font-size:16px" width="560"/>
                </a>
               </td>
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                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17507867493761_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <ul style="line-height:150%">
                 </ul>
                 <p style="line-height:150%; font-size:22px; font-weight:bold">
                  Assisted living is now something you can look forward to
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  Believe it or not, not all old people like knitting and bingo — like the rest of us, they have differing hobbies and interests beyond the stereotypical.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  And with baby boomers entering their golden years, that means
                  <a data-hs-link-id="0" data-hs-link-id-v2="zZSMPNuV" style="color:#192733" target="_blank">
                   70m+
                  </a>
                  Americans now have plenty of time to pursue their passions. It also means many either are or will soon be looking for senior living accommodations.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  That’s why a swelling number of niche retirement communities are popping up to cater to them and other like-minded retirees,
                  <a data-hs-link-id="0" data-hs-link-id-v2="xSg7hvmW" style="color:#192733" target="_blank">
                   per
                  </a>
                  <span style="font-style: italic;">
                   The New York Times
                  </span>
                  .
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%; font-size:18px; font-weight:bold">
                  From Jimmy Buffett fans to pottery enthusiasts….
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  … there’s something for everyone.
                 </p>
                 <ul style="line-height:150%">
                  <li aria-level="1">
                   <span style="font-weight: bold;">
                    Beach bums:
                   </span>
                   <a data-hs-link-id="0" data-hs-link-id-v2="iIh2nUDU" style="color:#192733" target="_blank">
                    Latitude Margaritaville
                   </a>
                   provides a resort-like lifestyle complete with tiki huts, poolside bars, beach access, and social events like foam parties. Its first location, launched in Florida in 2018, hosts 7k Parrotheads and is fully sold out. Latitude now has three locations, with plans to expand.
                   <br/>
                   <br/>
                  </li>
                  <li aria-level="1">
                   <span style="font-weight: bold;">
                    Creative types:
                   </span>
                   <a data-hs-link-id="0" data-hs-link-id-v2="wNrneJCl" style="color:#192733" target="_blank">
                    Burbank Senior Artists Colony
                   </a>
                   , a retirement community located near Hollywood, offers a performing arts theater, writing workshops, and art studios for the creatively inclined.
                   <br/>
                   <br/>
                  </li>
                  <li aria-level="1">
                   <span style="font-weight: bold;">
                    Lifelong learners:
                   </span>
                   <a data-hs-link-id="0" data-hs-link-id-v2="6YdoHhyl" style="color:#192733" target="_blank">
                    Mirabella
                   </a>
                   at Arizona State University, launched in 2020, houses seniors (the geriatric kind) in a 20-story apartment building on campus, and lets them take classes, participate in mentorship programs, and access the school’s facilities and events.
                  </li>
                 </ul>
                 <p style="line-height:150%">
                  It’s one of ~100 university-based retirement communities, which have
                  <a data-hs-link-id="0" data-hs-link-id-v2="7Gl6inPw" style="color:#192733" target="_blank">
                   emerged
                  </a>
                  as struggling institutions grapple with low student enrollment and tight budgets.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  Others include ones specific to religion, sexual orientation, and politics, as well as retired
                  <a data-hs-link-id="0" data-hs-link-id-v2="bB7Pun31" rel="noopener" style="color:#192733" target="_blank">
                   postal workers
                  </a>
                  ,
                  <a data-hs-link-id="0" data-hs-link-id-v2="xRQEDda2" style="color:#192733" target="_blank">
                   horse lovers
                  </a>
                  ,
                  <a data-hs-link-id="0" data-hs-link-id-v2="LjlimWQM" style="color:#192733" target="_blank">
                   Disney adults
                  </a>
                  ,
                  <a data-hs-link-id="0" data-hs-link-id-v2="udZZiK2d" style="color:#192733" target="_blank">
                   yogis
                  </a>
                  , and more.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%; font-weight:bold">
                  <span style="font-size: 18px;">
                   Old is gold
                  </span>
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  These niche communities, which represent a small but growing portion of the
                  <a data-hs-link-id="0" data-hs-link-id-v2="j0h4NYji" style="color:#192733" target="_blank">
                   ~50k
                  </a>
                  senior living facilities in the US, don’t come cheap.
                 </p>
                 <ul style="line-height:150%">
                  <li aria-level="1">
                   Rates for Latitude Margaritaville’s Daytona Beach location begin at $300k, while Mirabella’s entry fees range from $470k to $2.5m+ on top of monthly fees of ~$5k-$8.3k.
                   <br/>
                   <br/>
                  </li>
                  <li aria-level="1">
                   Whereas, the median monthly cost of assisted living is
                   <a data-hs-link-id="0" data-hs-link-id-v2="WtrsDJ6I" style="color:#192733" target="_blank">
                    ~$6k
                   </a>
                   in the US.
                  </li>
                 </ul>
                 <p style="line-height:150%">
                  But this generation of old-timers is America’s largest and richest-ever, sitting on a collective
                  <a data-hs-link-id="0" data-hs-link-id-v2="wHWXzKaO" style="color:#192733" target="_blank">
                   $82T
                  </a>
                  fortune and holding half of the country’s wealth.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  So it makes sense that their unique needs and desires are being answered with curated options — even if waking up to “Cheeseburger in Paradise” every day sounds like a nightmare to us.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p align="right" style="line-height:150%; text-align:right">
                  <a data-hs-link-id="1" data-hs-link-id-v2="KOO8xbTP" rel="noopener" style="color:#192733; text-decoration:none" target="_blank">
                   🔗
                  </a>
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17357735564883" style="color: inherit; font-size: inherit; line-height: inherit;">
                <table border="0" cellpadding="0" cellspacing="0" role="none" style="vertical-align:top" width="100%">
                 <tbody>
                  <tr>
                   <td align="center" style="font-family:Lato, Tahoma, sans-serif; color:#192733; font-size:0; word-break:break-word">
                    <p style="font-size:1px;border-top:4px solid #eaf0f6;width:100%;margin:0 auto;">
                    </p>
                    <!--[if mso]>
        <table role="none" align="center" border="0" cellpadding="0" cellspacing="0" style="font-size:1px;border-top:4px solid #eaf0f6;width:560px;">
          <tr>
            <td style="height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
                   </td>
                  </tr>
                 </tbody>
                </table>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17357735453792" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17357735453792_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; font-size:13px; line-height:150%">
                  <span style="color: #bf2434;">
                   HIGHLY RECOMMENDED
                   <br/>
                  </span>
                 </h2>
                 <p style="line-height:150%">
                  <br/>
                  <span style="font-weight: normal;">
                   <span style="font-weight: bold;">
                    Pro poker player Daniel Negreanu's
                   </span>
                   accolades (7x World Series of Poker bracelets) are great, and his career winnings ($50m+) are even greater. But this is about
                   <em>
                    you
                   </em>
                   : Which of
                   <a data-hs-link-id="0" data-hs-link-id-v2="POBzFcJN" rel="noopener" style="color:#192733" target="_blank">
                    Daniel's mental tricks
                   </a>
                   will make you better at business?
                  </span>
                  <br/>
                  <br/>
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17598022886831" style="color: inherit; font-size: inherit; line-height: inherit;">
                <table border="0" cellpadding="0" cellspacing="0" role="none" style="vertical-align:top" width="100%">
                 <tbody>
                  <tr>
                   <td align="center" style="font-family:Lato, Tahoma, sans-serif; color:#192733; font-size:0; word-break:break-word">
                    <p style="font-size:1px;border-top:4px solid #eaf0f6;width:100%;margin:0 auto;">
                    </p>
                    <!--[if mso]>
        <table role="none" align="center" border="0" cellpadding="0" cellspacing="0" style="font-size:1px;border-top:4px solid #eaf0f6;width:560px;">
          <tr>
            <td style="height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
                   </td>
                  </tr>
                 </tbody>
                </table>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module-2-0-6" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module-2-0-6_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; font-size:13px; line-height:115%">
                  <span style="font-family: Lato, Tahoma, sans-serif; color: #bf2434;">
                   NEWSWORTHY NUMBER
                  </span>
                 </h2>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module-2-0-7" style="color: inherit; font-size: inherit; line-height: inherit;">
            <table cellpadding="0" cellspacing="0" class="hse-image-wrapper" role="presentation" width="100%">
             <tbody>
              <tr>
               <td align="left" class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; color:#192733; word-break:break-word; text-align:left; padding:10px 20px; font-size:0px" valign="top">
                <img align="middle" alt="Over 10,000" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252F10k.png%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253D10k.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NjAwOTI5NTMuNjA1OTUyN30:1v7Aa1:jGSTn6cwTS-Ficofw8Tm5ybU8zutP9RDbpzwrfVJ7-U" style="outline:none; text-decoration:none; max-width:100%; font-size:16px" width="560"/>
               </td>
              </tr>
             </tbody>
            </table>
           </div>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:15px 20px 10px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module-2-0-8" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module-2-0-8_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <p style="line-height:150%">
                  <a data-hs-link-id="0" data-hs-link-id-v2="7tSp0PkA" style="color:#192733" target="_blank">
                   Photographs
                  </a>
                  of New Yorkers that Brandon Stanton, creator of
                  <span style="font-style: italic;">
                   Humans of New York
                  </span>
                  , has taken since he started his project in 2010.
                  <br/>
                  <br/>
                  Stanton’s work can be seen on his popular social media accounts, but also throughout NYC’s Grand Central Terminal through Oct. 19. His exhibit “Dear New York,” which he described as “a love letter to the people of this city,” has replaced the station’s ads with photos and quotes, some 50 feet tall.
                 </p>
                 <p style="line-height:150%">
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17574333089002" style="color: inherit; font-size: inherit; line-height: inherit;">
                <table border="0" cellpadding="0" cellspacing="0" role="none" style="vertical-align:top" width="100%">
                 <tbody>
                  <tr>
                   <td align="center" style="font-family:Lato, Tahoma, sans-serif; color:#192733; font-size:0; word-break:break-word">
                    <p style="font-size:1px;border-top:4px solid #eaf0f6;width:100%;margin:0 auto;">
                    </p>
                    <!--[if mso]>
        <table role="none" align="center" border="0" cellpadding="0" cellspacing="0" style="font-size:1px;border-top:4px solid #eaf0f6;width:560px;">
          <tr>
            <td style="height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
                   </td>
                  </tr>
                 </tbody>
                </table>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17574333035341" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17574333035341_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; font-size:13px; line-height:115%">
                  <span style="font-family: Lato, Tahoma, sans-serif; color: #bf2434;">
                   AROUND THE WEB
                  </span>
                 </h2>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17574333149673" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17574333149673_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <p style="line-height:150%">
                  📅
                  <span style="font-weight: bold;">
                   On this day:
                  </span>
                  In 2014, education advocate Malala Yousafzai
                  <a data-hs-link-id="0" data-hs-link-id-v2="/9GNehRD" style="color:#192733" target="_blank">
                   won
                  </a>
                  the Nobel Peace Prize at just 17, becoming the youngest-ever Nobel laureate.
                 </p>
                 <p style="line-height:150%">
                  <br/>
                  🧹
                  <span style="font-weight: bold;">
                   That’s interesting:
                  </span>
                  An
                  <a data-hs-link-id="0" data-hs-link-id-v2="A1KhWPdK" style="color:#192733" target="_blank">
                   extreme cleaner
                  </a>
                  shares what he’s learned after 25 years of tackling the biggest messes. (Yes, it’s gross.)
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  🍔
                  <span style="font-weight: bold;">
                   Chill out:
                  </span>
                  and watch someone make a
                  <a data-hs-link-id="0" data-hs-link-id-v2="g0zyu7Sn" style="color:#192733" target="_blank">
                   hamburger cake
                  </a>
                  .
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  🥧
                  <span style="font-weight: bold;">
                   That’s cool:
                  </span>
                  A recipe for
                  <a data-hs-link-id="0" data-hs-link-id-v2="YcsRFlcs" style="color:#192733" target="_blank">
                   pumpkin pie
                  </a>
                  , using a Long Island cheese pumpkin (not as weird as it sounds).
                 </p>
                 <p style="line-height:150%">
                  <br/>
                  🐱
                  <span style="font-weight: bold;">
                   Aww:
                  </span>
                  <a data-hs-link-id="0" data-hs-link-id-v2="OKdmBcwu" style="color:#192733" target="_blank">
                   Muffin time
                  </a>
                  .
                  <span style="font-size: 11px; color: #000000;">
                  </span>
                 </p>
                 <p style="line-height:150%">
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17357737503584" style="color: inherit; font-size: inherit; line-height: inherit;">
                <table border="0" cellpadding="0" cellspacing="0" role="none" style="vertical-align:top" width="100%">
                 <tbody>
                  <tr>
                   <td align="center" style="font-family:Lato, Tahoma, sans-serif; color:#192733; font-size:0; word-break:break-word">
                    <p style="font-size:1px;border-top:4px solid #eaf0f6;width:100%;margin:0 auto;">
                    </p>
                    <!--[if mso]>
        <table role="none" align="center" border="0" cellpadding="0" cellspacing="0" style="font-size:1px;border-top:4px solid #eaf0f6;width:560px;">
          <tr>
            <td style="height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
                   </td>
                  </tr>
                 </tbody>
                </table>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17381948180271" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17381948180271_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; font-size:13px; line-height:115%">
                  <span style="font-family: Lato, Tahoma, sans-serif; color: #bf2434;">
                   QUOTE OF NOTE
                  </span>
                 </h2>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17399241210451" style="color: inherit; font-size: inherit; line-height: inherit;">
            <table cellpadding="0" cellspacing="0" class="hse-image-wrapper" role="presentation" width="100%">
             <tbody>
              <tr>
               <td align="center" class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; color:#192733; word-break:break-word; text-align:center; padding:10px 20px 0px; font-size:0px" valign="top">
                <img align="middle" alt="Do better" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252FQuoteOct102025.jpg%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253DQuoteOct102025.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NjAwOTI5NTMuNjA2MTA4Mn0:1v7Aa1:mJJCiZA3ckW-RVCWrl703nuGYcq0pK8dEW5i2qZ4-XY" style="outline:none; text-decoration:none; max-width:100%; font-size:16px" width="560"/>
               </td>
              </tr>
             </tbody>
            </table>
           </div>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17381948365523" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module_17381948365523_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <p style="line-height:150%">
                  What disappointed Swifties are demanding of their queen bee, Taylor Swift, who’s been accused of using AI to create promo videos for her latest album, “Life of a Showgirl.” Though the pop star has yet to address the accusations, many of the 12 videos, which contain nonsensical text and wonky visuals, have quietly disappeared from YouTube following the backlash that’s given rise to the hashtag #SwiftiesAgainstAI,
                  <a data-hs-link-id="0" data-hs-link-id-v2="xY/j6NiI" style="color:#192733" target="_blank">
                   per
                  </a>
                  <span style="font-style: italic;">
                   Wired
                  </span>
                  .
                  <br/>
                  <br/>
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17381948264292" style="color: inherit; font-size: inherit; line-height: inherit;">
                <table border="0" cellpadding="0" cellspacing="0" role="none" style="vertical-align:top" width="100%">
                 <tbody>
                  <tr>
                   <td align="center" style="font-family:Lato, Tahoma, sans-serif; color:#192733; font-size:0; word-break:break-word">
                    <p style="font-size:1px;border-top:4px solid #eaf0f6;width:100%;margin:0 auto;">
                    </p>
                    <!--[if mso]>
        <table role="none" align="center" border="0" cellpadding="0" cellspacing="0" style="font-size:1px;border-top:4px solid #eaf0f6;width:560px;">
          <tr>
            <td style="height:0;line-height:0">&nbsp;</td>
          </tr>
        </table>
      <![endif]-->
                   </td>
                  </tr>
                 </tbody>
                </table>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
           <table cellpadding="0" cellspacing="0" class="" role="presentation" style="" width="100%">
            <tbody>
             <tr>
              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
               <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module-2-0-21" style="color: inherit; font-size: inherit; line-height: inherit;">
                <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_rich_text" data-hs-cos-general-type="widget" data-hs-cos-type="rich_text" id="hs_cos_wrapper_module-2-0-21_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <p style="line-height:150%">
                  <span style="font-size: 13px; font-weight: bold; color: #bf2434;">
                   SHOWER THOUGHT
                   <br/>
                   <br/>
                  </span>
                  <span style="font-style: italic;">
                   There are probably more planes in the ocean than submarines.
                  </span>
                  <span style="font-size: 13px; font-weight: bold; color: #bf2434;">
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