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   💳  Reverse-credit cards
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   Plus: Streaming ads keep on multiplying, the stock market but with horses, and more.
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              You've got 0 referrals,
         just
        
            3 away from earning a Hustle Essentials kit.
        
        Check out all of our
              <a data-hs-link-id="0" data-hs-link-id-v2="SmQ7BDlU" style="color:#192733; text-decoration:underline !important" target="_blank">
               prizes here
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              .
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              Check your referral progress &amp; prizes
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                  👋
                  <span style="font-weight: bold;">
                   Good morning to you — unless you’re allergic to cats.
                  </span>
                  If so, today may not be your favorite day. Workplaces across the US will recognize Take Your Cat To Work Day, which’ll give in-office workers a chance to showcase how little regard their feline has for them. Remote workers, of course, already have their own very specific version of this: Apologize For Inadvertently Subjecting Your Coworkers To Your Cat’s Anus On Zoom Day. It’s unfortunately celebrated every day, over and over again, every time the fluffball hops up on the desk.
                  <br/>
                  <br/>
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                  🎧
                  <a data-hs-link-id="0" data-hs-link-id-v2="kRkTwoz0" rel="noopener" style="color:#192733; font-weight:bold" target="_blank">
                   On the pod
                  </a>
                  <span style="font-weight: bold;">
                   :
                  </span>
                  <span style="font-style: italic;">
                   The job market is insane. We talked to LinkedIn career expert Catherine Fisher about how you can thrive in it.
                  </span>
                 </p>
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                   NEWS FLASH
                  </span>
                 </h2>
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                <img align="middle" alt="23andMe founder Anne Wojcikci" class="stretch-on-mobile" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252Fnf-wojcicki.jpg%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253Dnf-wojcicki.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NTAwNjYyODcuNzI0NTc2NX0:1uR6Bb:fj3y6A_EMF1eP1mZOp06-mcQ-RWFJ_ZB6KeoozuC6VA" style="outline:none; text-decoration:none; max-width:100%; font-size:16px" width="560"/>
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                  🧬
                  <span style="font-weight: bold;">
                   Surprise:
                  </span>
                  Anne Wojcicki, co-founder and former CEO of 23andMe, will buy it and most critically, its data — plus what we can only assume are many reservoirs full of saliva — back for
                  <a data-hs-link-id="0" data-hs-link-id-v2="x2wlqtTf" style="color:#192733" target="_blank">
                   $305m
                  </a>
                  through her nonprofit, TTAM Research Institute, pending approval. Regeneron Pharmaceuticals originally won a bankruptcy auction for 23andMe with a $256m bid until Wojcicki swooped in with a higher offer. Regeneron, potentially dodging years of legal questions about the legality of buying and selling personal genetic info, declined to make a new bid that’d beat hers. In a statement, Wojcicki said she is “thrilled” to continue 23andMe’s mission to “help people access, understand, and benefit from the human genome.”
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  🎬
                  <span style="font-weight: bold;">
                   The world’s largest ad agency, WPP, employs 100k+ people:
                  </span>
                  … that’s not directly what this item is about, but keep that in mind as you read about the
                  <a data-hs-link-id="0" data-hs-link-id-v2="wxENe8nc" style="color:#192733" target="_blank">
                   new commercial
                  </a>
                  for financial services company Kalshi that ran during the NBA Finals. It was put together via Google’s Veo 3 AI video slop generator… over the course of two days… by one creator, with that person behind the prompts, PJ Ace, projecting a “95% cost reduction” over the traditional ad production model. But is that worth losing 95% of the coherence? The “Grand Theft Auto”-inspired spot looks realistic but even the nicest possible review would call it disjointed.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  🤖
                  <span style="font-weight: bold;">
                   If you need to feel better about the imminent robotic takeover of humanity:
                  </span>
                  Five Boston Dynamics robots
                  <a data-hs-link-id="0" data-hs-link-id-v2="z85X4nMh" style="color:#192733" target="_blank">
                   auditioned
                  </a>
                  for “America's Got Talent” with a jaunty choreographed routine set to Queen’s “Don’t Stop Me Now” — but one suffered a mid-performance malfunction and shut down entirely. It’s hard to conquer humanity without first crushing the talent show circuit, so at least there’s that. Though all judges applauded the performance and the live studio audience seemed into it, so maybe this is just all part of their plan?
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </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; mso-line-height-rule:exactly; font-size:13px; line-height:150%">
                  <span style="font-family: Lato, Tahoma, sans-serif; color: #bf2434;">
                   MORE NEWS TO KNOW
                  </span>
                 </h2>
                 <ul style="mso-line-height-rule:exactly; line-height:150%">
                  <li style="line-height: 150%;">
                   <span style="font-weight: bold;">
                    Wild when you can lose a $200m contract and still have a good week:
                   </span>
                   <span style="font-weight: normal;">
                    Scale
                   </span>
                   AI is getting
                   <a data-hs-link-id="0" data-hs-link-id-v2="ihOkkT+s" style="color:#192733" target="_blank">
                    ditched
                   </a>
                   by top-dollar client Google (and Microsoft is rumored to follow behind them) — after Meta cut them a $14.3B check.
                   <br/>
                   <br/>
                  </li>
                  <li style="line-height: 150%;">
                   <span style="font-weight: bold;">
                    Good to know:
                   </span>
                   Zoom founder/CEO Eric Yuan went on the
                   <span style="font-style: italic;">
                    Grit
                   </span>
                   podcast and
                   <a data-hs-link-id="0" data-hs-link-id-v2="8rqhGil/" style="color:#192733" target="_blank">
                    called out
                   </a>
                   work-life balance as an illusion: “I tell our team, ‘Guys, you know, there’s no way to balance. Work is life, life is work.’”
                   <br/>
                   <span style="font-size: 12px; color: #000000;">
                   </span>
                   <br/>
                   <span style="font-size: 12px; color: #000000;">
                   </span>
                  </li>
                  <li>
                   <span style="font-weight: bold;">
                    Officer, it’s not what you think:
                   </span>
                   The Blue Moon beer brand is now also a lip balm brand,
                   <a data-hs-link-id="0" data-hs-link-id-v2="64K3ghJa" style="color:#192733" target="_blank">
                    teaming
                   </a>
                   with beauty industry stalwart Eos on a citrusy salve.
                   <br/>
                   <br/>
                  </li>
                 </ul>
                </div>
               </div>
              </td>
             </tr>
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          </div>
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          <!--[if (mso)|(IE)]>
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      <tr style="background-color:#ffeeeb;">
    <![endif]-->
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<![endif]-->
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           <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;">
                <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_17465708545246_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; mso-line-height-rule:exactly; font-size:13px; line-height:115%">
                  <span style="color: #bf2434;">
                   THE FUTURE OF ADVERTISING
                  </span>
                 </h2>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
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                <a data-hs-link-id="0" data-hs-link-id-v2="9l30MQ66" style="color:#00a4bd" target="_blank">
                 <img align="middle" alt="How-AI-Will-Impact-Advertising" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252FHow-AI-Will-Impact-Advertising.png%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253DHow-AI-Will-Impact-Advertising.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NTAwNjYyODcuNzI0Njk4NX0:1uR6Bb:yrL2phT_n9MYvPKCS8Vg2nK4ETYF7l4qRCg9YgNOFUM" style="outline:none; text-decoration:none; border:none; max-width:100%; font-size:16px" width="560"/>
                </a>
               </td>
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           </div>
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            <tbody>
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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_17465708545248_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; mso-line-height-rule:exactly; font-size:18px; line-height:150%">
                  Is anyone surprised that AI is flipping this industry?
                 </h2>
                 <h2 style="margin:0; mso-line-height-rule:exactly; font-size:18px; line-height:150%">
                 </h2>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  <em>
                   It’s getting pretty serious over in ad land.
                  </em>
                  Industry pros are already injecting new tech into everything from content creation and customer research to media buying and budget allocation.
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Here’s
                  <a data-hs-link-id="1" data-hs-link-id-v2="5btzo4vu" style="color:#192733" target="_blank">
                   what we discovered
                  </a>
                  after surveying about 250 advertising leaders and executives.
                 </p>
                 <h2 style="margin:0; mso-line-height-rule:exactly; font-size:18px; line-height:150%">
                 </h2>
                 <p style="mso-line-height-rule:exactly; line-height:150%; font-weight:bold">
                  The times are a-changin’:
                 </p>
                 <ul style="mso-line-height-rule:exactly; line-height:150%">
                  <li aria-level="1">
                   AI adoption data and sentiments
                  </li>
                  <li aria-level="1">
                   The top 11 use cases for advertisers
                  </li>
                  <li aria-level="1">
                   How much money they’re spending on AI tools
                  </li>
                  <li aria-level="1">
                   The most common apps in their tech stacks
                  </li>
                 </ul>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  And, lest we forget, your daily dose of Don Draper wisdom: “Change is neither good nor bad... It simply is.” (Good one, Don.)
                 </p>
                </div>
               </div>
              </td>
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            </tbody>
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             <tr>
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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="pANsJJvD" 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;">
                      AI advertising trends
                     </strong>
                    </a>
                   </td>
                  </tr>
                 </tbody>
                </table>
               </div>
              </td>
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            </tbody>
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          </div>
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        </div>
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          <!--[if (mso)|(IE)]>
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      <tr style="background-color:#ffffff;">
    <![endif]-->
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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-2-0-0_" style="color: inherit; font-size: inherit; line-height: inherit;">
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                 </h2>
                 <h2 style="margin:0; mso-line-height-rule:exactly; 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>
           </table>
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                <a data-hs-link-id="0" data-hs-link-id-v2="aV4z4+rw" style="color:#00a4bd" target="_blank">
                 <img align="middle" alt="A hand holding shopping bags and extending a credit card in front of China’s flag. " src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252Fpaynowbuylater.png%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253Dpaynowbuylater.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NTAwNjYyODcuNzI0Nzk3NX0:1uR6Bb:WOkCpt2NKkWeX4nwqGaR8WvOUUlpuTML7TwwjKmtp9o" style="outline:none; text-decoration:none; border:none; max-width:100%; font-size:16px" width="560"/>
                </a>
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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_17301541546871_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; mso-line-height-rule:exactly; font-size:18px; line-height:150%">
                  <span style="font-size: 22px;">
                   What’s the deal with China’s ‘pay now, buy later’ model?
                  </span>
                  <br/>
                  <br/>
                 </h2>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Since 2019, the popularity of the “buy now, pay later” model has grown in the US, offering shoppers instant gratification and a financing option that
                  <a data-hs-link-id="0" data-hs-link-id-v2="nGw+mMCZ" style="color:#192733" target="_blank">
                   complements
                  </a>
                  American credit culture and consumers’ expectations.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Meanwhile, in China, a completely opposite model is driving the world’s second-largest economy: what’s informally known as “pay now, buy later,”
                  <a data-hs-link-id="0" data-hs-link-id-v2="yJgocLSL" style="color:#192733" target="_blank">
                   per
                  </a>
                  <span style="font-style: italic;">
                   The Economist
                  </span>
                  .
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  The model is uniquely standard in the People’s Republic and largely based on prepaid cards, or “reverse-credit cards.”
                 </p>
                 <ul style="mso-line-height-rule:exactly; line-height:150%">
                  <li style="line-height: 150%;">
                   They account for more than 10% of China’s total retail sales.
                   <br/>
                   <br/>
                  </li>
                  <li style="line-height: 150%;">
                   Over 1.5B were issued in 2023, worth ~760B yuan, or ~$100B.
                  </li>
                 </ul>
                 <h4 style="font-size:15px; margin:0; mso-line-height-rule:exactly; line-height:150%">
                  <span style="font-size: 18px;">
                   How does it work?
                  </span>
                  <br/>
                  <br/>
                 </h4>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Whereas with BNPL retailers extend credit to customers, under PNBL, shoppers are the ones loaning the money.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Say, for example, you get a haircut. The salon would encourage you to prepay for multiple haircuts, rather than just the service you received, or offer a prepaid card that gives you extra credit to spend later on.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Businesses secure future payments, while these extra credits, which you can think of as “interest” on the seller’s loan and vary depending on the size of the investment, can provide big returns for customers.
                  <br/>
                  <br/>
                 </p>
                 <h4 style="font-size:15px; margin:0; mso-line-height-rule:exactly; line-height:150%">
                  <span style="font-size: 18px;">
                   Sound familiar?
                  </span>
                  <br/>
                  <br/>
                 </h4>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Similar schemes, like loyalty programs, are common worldwide, but:
                 </p>
                 <ul style="mso-line-height-rule:exactly; line-height:115%">
                  <li style="line-height: 150%;">
                   Unlike the prepayment models of fitness studios, China’s PNBL model isn’t based on a fixed schedule of sessions but a fixed number of them.
                   <br/>
                   <br/>
                  </li>
                  <li style="line-height: 150%;">
                   And unlike gift cards, which often go unredeemed, China’s prepaid cards don’t expire.
                  </li>
                 </ul>
                 <h4 style="font-size:15px; margin:0; mso-line-height-rule:exactly; line-height:150%">
                  <span style="font-size: 18px;">
                   What can expire, though…
                  </span>
                  <br/>
                  <br/>
                 </h4>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  … are businesses themselves: A 2021 survey by
                  <span style="font-style: italic;">
                   China Youth Daily
                  </span>
                  <a data-hs-link-id="1" data-hs-link-id-v2="iM47MHWT" style="color:#192733" target="_blank">
                   found
                  </a>
                  that ~50% of respondents who’d participated in PNBL programs had been screwed over when a business closed.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Plus, with little regulatory oversight,
                  <em>
                   The Economist
                  </em>
                  notes, scammers are now taking up such schemes of their own.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  So, for Chinese consumers, the risks can be high — namely, potentially paying for something you might never get to enjoy, which sounds pretty frustrating.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  But at least they can (quietly, for most) blame their government for the lack of regulation — with BNPL, the only person you can blame for buying something you
                  <a data-hs-link-id="0" data-hs-link-id-v2="Pl9HHd7r" style="color:#192733" target="_blank">
                   can't afford
                  </a>
                  is, sadly, you.
                  <br/>
                  <br/>
                 </p>
                 <p align="right" style="mso-line-height-rule:exactly; line-height:150%; text-align:right">
                  <a data-hs-link-id="1" data-hs-link-id-v2="3UZvVvmM" rel="noopener" style="color:#192733; text-decoration:none" target="_blank">
                   🔗
                  </a>
                 </p>
                </div>
               </div>
              </td>
             </tr>
            </tbody>
           </table>
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            <tbody>
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              <td class="hs_padded" style="font-family:Lato, Tahoma, sans-serif; font-size:16px; color:#192733; word-break:break-word; padding:10px 20px">
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                <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; mso-line-height-rule:exactly; font-size:13px; line-height:150%">
                  <span style="color: #bf2434;">
                   RECOMMENDED READING
                  </span>
                 </h2>
                 <ul style="mso-line-height-rule:exactly; line-height:115%">
                  <li aria-level="1" style="line-height: 150%;">
                   <span style="font-weight: bold;">
                    Are we hurtling toward the end of the apps?
                   </span>
                   One serial entrepreneur
                   <a data-hs-link-id="0" data-hs-link-id-v2="+V/OeQgN" style="color:#192733" target="_blank">
                    believes
                   </a>
                   they’re well on the way to extinction and you will never guess what he thinks will replace them (it’s AI… it’s always AI).
                   <br/>
                   <br/>
                  </li>
                 </ul>
                </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-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; mso-line-height-rule:exactly; 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="4 to 6 minutes" src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252F4-6minutes.png%253Fwidth%253D1120%2526upscale%253Dtrue%2526name%253D4-6minutes.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NTAwNjYyODcuNzI0ODg5OH0:1uR6Bb:nFebnRshh51Qnbij12kyWj3ys-NkyOTdW5PGcimLIK4" 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="mso-line-height-rule:exactly; line-height:150%">
                  How long Amazon Prime Video subscribers will spend watching ads per hour, assuming they don’t agree to pay $3/month more for a premium plan.
                  <br/>
                  <br/>
                  That’s not a whole lot of time, perhaps, but it is twice what Amazon showed when it added ads in January 2024.
                  <br/>
                  <br/>
                  Amazon also promised to show “meaningfully fewer ads than linear TV and other streaming TV providers.”
                  <span style="font-style: italic;">
                   Ars Technica
                  </span>
                  <a data-hs-link-id="0" data-hs-link-id-v2="1Ql5Xo+S" style="color:#192733" target="_blank">
                   rounded up
                  </a>
                  those numbers:
                 </p>
                 <ul style="mso-line-height-rule:exactly; line-height:150%">
                  <li aria-level="1">
                   Linear TV airs 13-16 minutes of ads per hour
                  </li>
                  <li aria-level="1">
                   Netflix shows 4-5 minutes
                  </li>
                  <li aria-level="1">
                   Max (soon to be HBO Max again) shows ~4 minutes
                  </li>
                  <li aria-level="1">
                   Peacock shows 5-7 minutes
                  </li>
                 </ul>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  So, really, it’s on par with its streaming rivals — and in the industry’s endless quest for monetization. So the next time you’re watching “Fallout,” enjoy also finding out which laundry detergent cleaned a dirty sock best!
                 </p>
                 <p style="mso-line-height-rule:exactly; 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_17489619773031" 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_17489619799772" 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_17489619799772_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <h2 style="margin:0; mso-line-height-rule:exactly; 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_17489619923533" 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_17489619923533_" style="color: inherit; font-size: inherit; line-height: inherit;">
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  🚀
                  <span style="font-weight: bold;">
                   On this day:
                  </span>
                  In 1963, Soviet cosmonaut Valentina Tereshkova became the
                  <a data-hs-link-id="0" data-hs-link-id-v2="vvCLBht9" style="color:#192733" target="_blank">
                   first woman
                  </a>
                  in space, where she spent 71 hours. Astronaut Sally Ride, the first US woman in space, made her journey in 1983.
                  <br/>
                  <br/>
                  👀
                  <span style="font-weight: bold;">
                   That’s cool:
                  </span>
                  Turn a 2D logo into
                  <a data-hs-link-id="0" data-hs-link-id-v2="ptJ+VdhO" style="color:#192733" target="_blank">
                   a 3D logo
                  </a>
                  .
                  <br/>
                  <br/>
                  🗞️
                  <span style="font-weight: bold;">
                   Newsletter:
                  </span>
                  <span style="font-style: italic;">
                   Future Tools
                  </span>
                  breaks down the latest AI news and the most interesting AI tools on the market.
                  <a data-hs-link-id="0" data-hs-link-id-v2="egbEk5//" style="color:#192733" target="_blank">
                   Subscribe here
                  </a>
                  .
                  <br/>
                  <br/>
                  🏇
                  <span style="font-weight: bold;">
                   Haha:
                  </span>
                  The stock market, but
                  <a data-hs-link-id="0" data-hs-link-id-v2="2zdawFQg" style="color:#192733" target="_blank">
                   with horses
                  </a>
                  .
                  <br/>
                  <br/>
                  🛏️
                  <span style="font-weight: bold;">
                   Aww:
                  </span>
                  <a data-hs-link-id="0" data-hs-link-id-v2="0ATi/gSL" style="color:#192733" target="_blank">
                   Time for bed
                  </a>
                  .
                  <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_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; mso-line-height-rule:exactly; 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="There is no middle class in sex work anymore." src="https://inboxflows.com/_/image/https%253A%252F%252Fmedia.hubspot.com%252Fhs-fs%252Fhubfs%252FQuote6162025.png%253Fwidth%253D1024%2526upscale%253Dtrue%2526name%253DQuote6162025.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZtZWRpYS5odWJzcCIsInRpbWUiOjE3NTAwNjYyODcuNzI0OTh9:1uR6Bb:OfHePjfuKjAfxBPln0583Uoqip5jqwkTmRGsh_LSmyA" style="outline:none; text-decoration:none; max-width:100%; font-size:16px" width="512"/>
               </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="mso-line-height-rule:exactly; line-height:150%">
                  Congrats to whoever made bank selling feet pics early on — unless you’ve got clout, those days of easy money are over.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  Today’s sex work market is oversaturated, rates are falling, and, according to expert Camille Sojit Pejcha, the only people really cashing in on platforms like OnlyFans anymore are celebrities and influencers.
                  <br/>
                  <br/>
                 </p>
                 <p style="mso-line-height-rule:exactly; line-height:150%">
                  While top creators can still rake in $100k+ a month,
                  <a data-hs-link-id="0" data-hs-link-id-v2="AZ6pH3mR" style="color:#192733" target="_blank">
                   per
                  </a>
                  <span style="font-style: italic;">
                   Business Insider
                  </span>
                  , average earnings on OnlyFans have dropped from ~$600 to under $200 in two years.
                 </p>
                 <p style="mso-line-height-rule:exactly; 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_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="mso-line-height-rule:exactly; line-height:150%">
                  <span style="font-size: 13px; font-weight: bold; color: #bf2434;">
                   SHOWER THOUGHT
                   <br/>
                   <br/>
                  </span>
                 </p>
                 <p aria-describedby="feed-post-credit-bar-t3_1l1j1di" aria-label="Post Title: In a more futuristic post-apocalyptic world, no one will be able to use machinery they find on their travels because they won't have the app for it." style="mso-line-height-rule:exactly; line-height:150%">
                  <em>
                   Remove the “e” from "empty" and it's still pronounced "empty." Remove the “p” from "mpty" and it's "mty" (which still sounds like empty). Remove the “y” from "mty" and it's "mt." Remove the entire word and it's literally empty.
                  </em>
                  <span style="font-style: italic;">
                  </span>
                  <em>
                  </em>
                  <span style="color: #192733;">
                   <span style="font-size: 9px;">
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