Understand the complex world of finance, business and the global economy with real in-depth analysis from real experts. We unlock access to the leading financial minds in the world to provide unbiased, in-depth analysis from real experts. The Real Vision podcast features our flagship series The Interview - the premier business and finance interview series in the world; And, the Daily Briefing which provides market analysis every weekday after US markets close and before Asian markets open. S ...
Between2Chains by Real Vision podcast Network is an educational podcast for sophisticated investors who are interested in learning more about the rapidly growing digital assets space.
Imagine you are friends with hundreds of real estate investors and entrepreneurs. Now imagine you can grab a beer with each of them and casually chat about failures, successes, motivations, and lessons learned. That’s what The BiggerPockets Podcast delivers. Co-hosted by Brandon Turner, David Greene, and BiggerPockets founder Joshua Dorkin, this podcast provides actionable advice from investors and other real estate professionals every week. The show won’t tell you how to “get rich quick” or ...
I'm Patrick Lilly, the founder of Real Estate Success Rocks, an organization devoted towards assisting you in fulfilling your dreams in business and in life. We've partnered with REV, a select group of top producing agents, to bring you the best content in our industry specifying what works in today's market place and what does not, how you can grow your business on your terms, and be inspired to do more with your life. So what does success mean to you? And how do you create a meaningful lif ...
Bitcoin, blockchain, digital assets, cryptocurrency, and distributed ledger technology—it’s an incredibly exciting space, but it can be complicated. To help you make sense of it all is Ground Floor Consensus, hosted by Real Vision Crypto Editor, Ash Bennington. Each episode of Ground Floor Consensus connects listeners with the biggest names in crypto to cover the critical concepts and ideas around digital assets. We’ll also share deep dive interviews with true experts in the technology, inve ...
The mission of AIPIS is to properly educate real estate specialists and investors in the proven methods of income property investments as a road to building wealth. AIPIS Education Program Jason Hartman, internationally known investment property guru, had a vision. He wanted to share his 25+ years of real estate experience with a wider audience, so that they could benefit from everything he had learned. The idea for the Accredited Income Property Investment Specialist program grew out of Jas ...
Coulee Community Church is a church family that wishes to live like Jesus, make Him known, and to serve like He did. We are real people living real lives, serving a real God! Our Mission & Vision Statement reflects this- Knowing God Loving Each Other Serving Our Community
Christine Beckwith of Vision 2020 and Jason Frazier of Mortgage X Creative bring you the Mortgage X Podcast. Touted as "not your father's mortgage podcast" Christine and Jason bring you the X-Factors in the mortgage industry. People who have a vision for the future and are working hard to evolve our industry to meet the needs of the modern consumer. You will hear from some of the industry's biggest producers, advocates, legends, thought leaders, partners, and lenders. All of us have one goal ...
At Sandals Church, our vision is to be real with ourselves, God and others. This channel features sermons and teaching from Pastor Matt Brown and other members of the Sandals Church preaching team. You can find sermon notes, videos and more content at http://sandalschurch.com/watch
At Sandals Church, our vision is to be real with ourselves, God and others. This channel features sermons and teaching from Pastor Matt Brown and other members of the Sandals Church preaching team. You can find sermon notes, videos and more content at http://sandalschurch.com/watch
At Sandals Church, our vision is to be real with ourselves, God and others. This channel features sermons and teaching from Pastor Matt Brown and other members of the Sandals Church preaching team. You can find sermon notes, videos and more content at http://sandalschurch.com/watch
Join us weekly via our Audio Podcast, as we gather to hear from Lead Pastor Jim Miller and guests. We welcome you to Real Life | LA — a community of grace with a God-sized vision, reaching from generation to generation. We exist for the lost. We seek redemption. We love unconditionally. To learn more, visit reallife.la and Instagram @reallifela.
Peace Church is a welcoming evangelical church in the West MI area that loves God, believes the Bible and wants people to have a real relationship with Jesus. Our vision is to become a Biblically–centered community of faith where everyone, empowered through prayer, is equipped to know Christ, grow in Christ, worship Christ, serve Christ and share Christ.
Join Dr. Rob and Amy Rienow for practical, encouraging, and real conversations about faith and family. Each episode will give you hope and encouragement to grow in your faith and strengthen your family. Family Vision is the podcast ministry of Visionary Family Ministries. Discover more resources to help your family: visonaryfam.com parenting.visionaryfam.com marriage.visionaryfam.com family.visionaryfam.com churches.visionaryfam.com shop.visionaryfam.com #family #familyvision #visionaryfamil ...
Our Vision : To see a New Breed of Believers raised up to impact the world. Real people, Serving a Real God, All while keeping it Real!
A new way of looking at finance and real estate. No matter if you are looking as a first home buyer, investor, down-sizer or just looking for market updates, finance strategy's and advice then this podcast has you covered. We will host guest speakers and feel free to email questions or topics you would like covered to podcast@upsidedownfinance.com.au Hosted by award-winning Sydney based Mortgage Broker and Real Estate Agent Chris Brown from New Vision Financial Services and New Vision Real E ...
You have a vision for your life. You have a dream body, a dream career, and a dream lifestyle. And your host, Kat Spangler, has the real life strategies for turning that vision into reality. Kat may have started out as a humble personal trainer and health coach. But during her 8 years of empowering women to find their strength, confidence, and courage both in and out of the gym, a new mission was born. Wielding her compassion, energy, and signature UNLEASH Method chock full of strategies for ...
Weekly audio podcast of ValleyPoint Church. For more information find us at: http://valleypointchurch.com
ACRE provides national thought leadership and relevant resources in the areas of research, education, and outreach for the real estate industry. For more information, visit acre.culverhouse.ua.edu.
Making artificial intelligence practical, productive, and accessible to everyone. Practical AI is a show in which technology professionals, business people, students, enthusiasts, and expert guests engage in lively discussions about Artificial Intelligence and related topics (Machine Learning, Deep Learning, Neural Networks, etc). The focus is on productive implementations and real-world scenarios that are accessible to everyone. If you want to keep up with the latest advances in AI, while k ...
Welcome to the weekly audio podcast from Pastor Tommy Mitchell. Pastor Mitchell is Pastor of Real Life Christian Center in Aurora, CO. The vision of Real Life Christian Center is to be a place of refuge and a LIFE training center that makes a Real Impact, with Real People serving a Real God, providing Real Solutions, that they may experience Real Results. Our mission is to instill, cultivate and encourage personal responsibility that produces individual and collective success through 4 key a ...
Ästhetiker Tell-Ä-Vision from the heart of the Alps. Tell-Ä-Vision is better than a reality show, probably because it is actually real. With Tell Ä Vision we want to show everyone our Vision about Snowboarding, Skateboarding and Surfing... Enjoy!
Our vision and purpose is to be a church that is fresh, real, and powerful! Below is a compilation of messages from Jurgen & Leanne Matthesius, our Awaken Church team, and other world-class guest speakers!
Want to build a successful business? Packed with the principles, strategies, and methods used to grow successful companies, The Sweaty Startup will help you make your vision a reality. Hosted by successful entrepreneur Nick Huber. Short, to the point and no fluff.
Welcome to Minstry Moments with Dr. Kevin M. Jackson. My vision is to talk about relevant issues with real solutions to catapult you into your destiny as it relates to ministry and religious context. Support this podcast: https://anchor.fm/drkevinjackson/support
Join me for conversations with real women about real life, keeping it real raw!
In this podcast from the Center for Humane Technology, co-hosts Tristan Harris and Aza Raskin expose how social media’s race for attention manipulates our choices, breaks down truth, and destabilizes our real-world communities. Tristan and Aza also explore solutions: what it means to become sophisticated about human nature by interviewing anthropologists, researchers, cultural and faith-based leaders, activists, and experts on everything from conspiracy theories to existential global threats.
Politics, the occult, religion, the paranormal, entertainment, society, and culture are all intertwined. From ancient history and an ominous present to the imminent future, see the real world in focus.
Bethany Kimsey welcomes you for a quick cup of coffee, some laughs and maybe a few tears as we talk about the realities of motherhood. As a mother of 8 children ranging in age from 5-21, Bethany has learned the freedom of applying gospel truths to the daily details with children. Together we will learn how to take spiritual truths into the micro and macro moments of motherhood. How do we make this fuzzy intersection of real life mothering and the gospel clearly defined for vision and confide ...
This podcast is design to connect Fort Wayne residents to their friends, neighbors, and business leaders who make this city so wonderful. As a local real estate agent, some episodes will be real estate themed. But many will be topical and interesting discussions from differing perspectives regarding what affects US in our daily lives. Enjoy!
New Left Radio is bringing news and commentary from behind the front lines of late stage capitalism through a democratic socialist lens. At the root of our socialism is a profound commitment to democracy, as means and end. As we are unlikely to see an immediate end to capitalism tomorrow, we fight for reforms today that will weaken the power of corporations and increase the power of working people. We are committed to democracy as not simply one of our political values but our means of restr ...
Recognizing triumph after survival, Ep. 119 of Real Black News features writer and executive producer Jenny Lumet, who discusses everything from her legendary family and grandmother Lena Horne to how her trauma that came with pointing a finger and surviving sexual assault inspired the vision when writing her CBS TV show, "Clarice" (15:36). While therapist Camille Banks-Lee of CBL Psychotherapy shares tips to cope and manage all types of trauma (49:43). Other topics include Virginia abolishin ...
The Peer Pleasure Podcast strives to bring the listener into a conversation that breaks down artists and creatives to their true and basic form. What you are left with is the real human experience. It's the brainchild of Dewey Halpaus (Portugal. The Man/Anatomy of a Ghost/The Burning Room) and features your favorite musicians, comedians, actors, and authors. Dive in.
The nomads put a new spin on the tech genre by shining a light not only on technology but also on the human side of the digital age. Tune in if you find yourself thinking about how to integrate into the digital landscape and be a part of the evolving industry. For over two decades, Phil and Nabeel have provided a powerful catalyst for organizations to create a vision of the future and the will to innovate. As futurists, they deliver a dynamic and entertaining vision of change, blending techn ...
Photography has evolved into something more than an aggregation of pixels. Photographer/Photo Editor Sarah Jacobs and PhotoShelter co-founder Allen Murabayashi discuss photography and its intersection with culture and technology in this weekly podcast. From facial recognition to the photographers capturing Beyoncé, Vision Slightly Blurred will help you see photography through a new lens.
Inbound Marketing Podcast es un espacio para empresarios y profesionales interesados en mejorar los resultados en sus negocios sin necesidad de acudir a los costosos medios tradicionales de difusión. Conozca experiencias y recomendaciones de profesionales destacados quienes son invitados por Rodolfo para compartir su visión real sobre temas como blogging, social media, marketing de contenidos, publicidad online, email marketing y SEO que hacen parte del mundo del Inbound Marketing. Rodolfo B ...
What happens after you go cloud and the reality sinks in For some, the cloud is rainbows, puppies and happy promises. You’ve whiteboarded a vision, forecasted the benefits and made promises to the business. Now the real work begins. Is the design a reality ? How do you handle failure ? Can you cope with shifting demands, changing requirements, and security concerns all running on the unknown ?
The Carey Nieuwhof Leadership Podcast is a podcast all about leadership, change and personal growth. The goal? To help you lead like never before—in your church or in your business. Carey interviews top business and church leaders like Seth Godin, Adam Grant, Nancy Duarte, Simon Sinek, Cal Newport, Patrick Lencioni, Tim Keller, Annie F. Downs, Andy Stanley, Craig Groeschel, Rob Pelinka, Michael Hyatt, Christine Caine, John Mark Comer, Henry Cloud, Gordon MacDonald, Francis Chan, Lysa TerKeur ...
The SFCC audio podcast features the weekly message presented at Salem Fields Community Church in Fredericksburg, VA. The vision of Salem Fields Community Church is simple: to know Jesus and to share Real Hope with anyone, everywhere.
The SFCC video podcast features the weekly message presented at Salem Fields Community Church in Fredericksburg, VA. The vision of Salem Fields Community Church is simple: to know Jesus and to share Real Hope with anyone, everywhere.
From GGV, this is Founder Real Talk, where we get real about the challenges that founders and startup executives face, and how they've grown from tough experiences. Check out founderrealtalk.ggvc.com for more information on the podcast and how to reach us with your founder questions. Hosted by Glenn Solomon, Managing Partner at GGV Capital.
This podcast is a tool to build community as we share everyday experiences through a +size, queer, multi-cultural, and racially diverse lense. Our aim is to create a safe space to connect with others who are writing their own stories of change and reclaiming their space.
...Empowering Others to Establish their Vision! Just Be Yourself! Real Talk!
This Much I Know is the podcast from Seedcamp, Europe’s seed fund. Tune into hear the inside story from startup founders, investors and leading tech voices: the people who’ve built businesses, scaled globally, failed fantastically and learnt massively. Seedcamp invests early in world-class founders attacking large, global markets and solving real problems using technology. Seedcamp provides the infrastructure to fast-track a founder’s vision and create value through immediate access to smart ...
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Real Vision: Finance, Business & The Global Economy


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Update from Raoul on the Dollar, Rates, Growth, and Crypto.
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DB-April9,2021: Real Vision CEO and co-founder Raoul Pal joins senior editor Ash Bennington to make sense of a market in flux and share opportunities on his radar. Raoul updates his macro views on the dollar, interest rates, and economic growth before he discusses new developments in the crypto world such as the IPO of Coinbase as well as the U.S. …
Patrick Lilly wears many hats: successful New York City real estate broker, educator, transformational life coach, speaker, and world traveler. Curious by nature, Patrick likes to explore other ways of thinking, feeling, living, and being, which ultimately allows him to serve his clients’ best interests. Patrick has sold over 1,200 properties worth…
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Between2Chains

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B2C015: Real Vision’s Special Episode ( w/ Ash Bennington )
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1:07:54
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Peter Hans, Managing Director at Arca and host of Real Vision’s Between Two Chains podcast, joins Ash Bennington for a special episode. Peter and Ash interview each other, share their individual journeys into the space, talk about the different aspects of being market participant in this asset class, and much more. If you’ve ever wanted to know mor…
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Accredited Income Property Investment Specialist (AIPIS)


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365: Are 3D Printed Homes Really the Future of Housing with Jarrett Gross
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41:22
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Jason Hartman talks with Jarrett Gross about 3D printed homes. How close to reality are they? Can you really get them for $10,000? Will it completely disrupt the housing market? Listen in as the two explore what's currently being printed, and what's in store. Key Takeaways: [3:12] The $10,000 printed home is a myth [9:18] What do 3D printed homes m…
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Real Vision: Finance, Business & The Global Economy


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Buyer Beware: Are Markets Set Up for a Pullback?
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DB-Apr8,2021: Peter Boockvar, CIO of Bleakley Advisory Group and editor of The Boock Report, joins Real Vision managing editor Ed Harrison to share his insights on the inflationary pressures and drawdown risks he’s observing. Boockvar discusses his take on why weekly jobless claims in the U.S. continue to be high while job openings are also at reco…
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Real Vision: Finance, Business & The Global Economy


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The Roaring Twenties:Inflation, Equity Melt-Ups, and Extreme Bond Pain ( w/ Jared Dillian )
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DB- Apr7,2021: Jared Dillian, publisher of The Daily Dirtnap, returns to the Daily Briefing to update Real Vision’s Jack Farley on how America’s red-hot economy is precipitating wage inflation alongside monetary and fiscal stimulus, worth trillions of dollars, which shows no sign of slowing. Dillian argues that this booming reflationary environment…
By Elevate Life Church
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Founder Real Talk


Ali Ghodsi is the CEO and Co-Founder of Databricks, an AI-enabled, open source data analytics platform company, valued today at more than $28 billion. Over 5,000 companies use the company’s open source-driven lakehouse architecture to process, engineer, and analyze their unstructured and semi-structured data. In this episode, Ali shares how an open…
The film Coded Bias follows MIT Media Lab researcher Joy Buolamwini through her investigation of algorithmic discrimination, after she accidentally discovers that facial recognition technologies do not detect darker-skinned faces. Joy is joined on screen by experts in the field, researchers, activists, and involuntary victims of algorithmic injusti…
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BiggerPockets Real Estate Podcast


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458: Ditching "Active Investing" for More Passive Income Streams with Tamar Hermes
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Every real estate investor knows that things don’t always go as well as we’d like. What happens when you’re hit with a $16,000 bill to fix a sewer, or when 20 of your tenants call you all at once with problems? Some things, like those examples, make active real estate investors envy passive investors. This is why Tamar Hermes decided to go on a mor…
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The Peer Pleasure Podcast


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Kamala Parks (Maximumrocknroll/924 Gilman St.)
1:45:24
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Episode 211 is up and live now with living legend in the punk community, Kamala Parks! Don't miss this amazing chat! Check out her new band Plot 66! Learn more about your ad choices. Visit megaphone.fm/adchoicesBy Equal Vision Records & Sound Talent Media
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New Left Radio


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Convention, Vision, & the Middle Class Myth
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58:39
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On today’s drop, we talk the upcoming NDP convention, the struggle between bold vision and the status quo that will be on display, and what the NDP must do to win. Then, we talk the middle class myth and why it is so central to our identity as Canadians.By The New Left | Democratic Socialists of Canada
By Elevate Life Church
By Elevate Life Church
By Elevate Life Church
By Elevate Life Church
By Elevate Life Church
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The Sweaty Startup


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228. A near death experience and reflecting on what's important
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9:34
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Hold your loved ones close- family and friends are more important than anything else. Click the link below to get Boost by Jobber. http://bit.ly/Sweaty-Startup-Podcast-Boost
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Real Vision: Finance, Business & The Global Economy


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Unfettered, Wide-Open Innovation ( w/ Andreas M. Antonopoulos )
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Crypto Wednesday: Author, coder, and educator Andreas M. Antonopoulos (aantonop.com) joins Ash Bennington, Real Vision senior editor, to discuss Bitcoin, layer 2 solutions, and the Wild West of crypto. Andreas describes Bitcoin as enabling trust across vast distances without coordination—trust without a central authority. He explains that Bitcoin a…
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This Much I Know - The Seedcamp Podcast


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Attracting the Best People Faster than your Competition with True's Duncan Finlayson
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37:20
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"[When hiring,] you're asking someone you've just met to effectively babysit your child. That's the sort of trust you need to have...you're effectively giving them your baby to help it scale." — Duncan Finlayson, Partner @ TrueHiring top-tier talent for your startup is arguably as important as developing a good product. A new hire is a big investme…
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Day 2 Cloud


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Day Two Cloud 092: What AWS Lambda Is Good For
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Today's Day Two Cloud podcast is a thorough introduction to AWS Lambda, which is AWS's serverless compute service. We discuss how Lamdba works, what it can do, use cases, and more. Our guide for today's conversation is Julian Wood, Senior Developer Advocate for the Serverless Product Group at AWS. This is not a sponsored show. The post Day Two Clou…
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When God Breaks Through


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20. How to Have Gospel Centered Conversations with Elementary Age Kids
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Welcome back to the kitchen table. This week Bethany is continuing the talk about how to have those gospel centered conversations with kids in every age and stage of life. This week we are focusing on the elementary age. Maybe you have a child in that stage, maybe you will have one soon, or perhaps your child has already been through that phase but…
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Real Vision: Finance, Business & The Global Economy


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Investor Sentiment Peaking, Coinbase Taking Off, and Archegos Imploding ( w/ Tommy Thornton )
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DB-April6, 2021: Tommy Thornton, founder of Hedge Fund Telemetry, joins Real Vision senior editor Ash Bennington to discuss Coinbase, Archegos’s implosion, and the overall state of U.S. equities. After reviewing Coinbase’s earnings, Thornton discusses his bullishness on their upcoming direct listing, a gesture that he considers validating for the c…
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Ministry Moments with Dr. Kevin M. Jackson


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A Time of Intercession: Church Leadership
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17:58
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Join Dr. Jackson as he prays for church leaders. --- Send in a voice message: https://anchor.fm/drkevinjackson/messageSupport this podcast: https://anchor.fm/drkevinjackson/support
Nikola Mrkšić, CEO & Co-Founder of PolyAI, takes Daniel and Chris on a deep dive into conversational AI, describing the underlying technologies, and teaching them about the next generation of voice assistants that will be capable of handling true human-level conversations. It’s an episode you’ll be talking about for a long time! Discuss on Changelo…
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Real Vision: Finance, Business & The Global Economy


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Hedge Fund Strategies for Bonds, Equities, and Bitcoin ( w/ Troy Gayeski )
36:05
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DB-Apr5,2021: Troy Gayeski, co-chief investment officer of SkyBridge Capital, joins Real Vision’s Jack Farley to break down how he thinks the rapidly changing economic and financial landscape is affecting his outlook for fixed-income, equities, and Bitcoin as well as hedge fund strategies such as long/short equities and convertible bond arbitrage. …
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Ground Floor Consensus


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GFC017: Bitcoin And Emerging Markets ( w/ Stephen Kelso )
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Steve Kelso returns to Real Vision to talk about one of his passions: Bitcoin through the lens of emerging markets. In this engrossing conversation, he touches on everything from macro-market psychology to the mechanics of ETPs, the use case for Bitcoin as a store of value in emerging markets, and how Bitcoin can help level the playing field around…
Over 100 million people in the U.S. have already received at least one dose of COVID-19 vaccines, and we have the photos to prove it. In this episode of Vision Slightly Blurred: - Lindsey Wasson captures the surprised expression of a 98-year old nursing home resident who received an in-person visit from her son for the first time in over a year - G…
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Life Unleashed


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10 Things to Stop F***ing Saying if You're Serious About Losing Weight
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We’re all guilty of it. We tell ourselves half-truths and allow excuses for why we can’t reach our goals. But if we can get brutally honest, we’ll realize that little voice isn’t a voice of reason. It’s a voice of fear. And it's stopping us from being all we can be. Tune in today for a serious shift in perspective and some powerful motivation to ge…
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New Left Radio


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The Stakes are Too High - Interview w/ Fred Hahn, President CUPE Ontario
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We're joined by CUPE Ontario President Fred Hahn to explore the incredible stakes working Canadians are facing, the battle to build working class power, and what does it all means in the face of incrdible odds. A labour activist for over 30 years, Fred has seen it all, and shares that now is the time for the working class to come together and fight…
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The Peer Pleasure Podcast


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Jason White (Green Day/Pinhead Gunpowder)
1:41:12
1:41:12
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Episode 210 with the man himself, Jason White from Green Day and Pinhead Gunpowder! Go check it out now! Learn more about your ad choices. Visit megaphone.fm/adchoicesBy Equal Vision Records & Sound Talent Media
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The Carey Nieuwhof Leadership Podcast


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CNLP 408 | Jon Acuff on Reinventing Yourself During Crisis, Pro Tips on How to Create Better Content Online, and the Surprising Solution to Overthinking
1:29:20
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The Carey Nieuwhof Leadership Podcast is a podcast all about leadership, change and personal growth. The goal? To help you lead like never before—in your church or in your business.By Carey Nieuwhof
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Real Vision: Finance, Business & The Global Economy


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White-Collar Crime Episode: Why White Collar Criminals Get Away With It( w/ Jesse Eisinger and Quinton Mathews )
1:00:49
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Real Vision Live Replay: Jim Chanos recently remarked that we are in a golden age of fraud, highlighting that companies trade unaffected by credible public accusations for years before it finally catches up to them. But even after the house cards collapses, the executives in charge of these companies often go unpunished and shareholders are left ho…
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Between2Chains

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B2C016: How NFTs Will Change the World (w/ Neda Whitney and Sasha Fleyshman)
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In this episode of Between2Chains, Peter Hans is joined by Neda Whitney and Sasha Fleyshman to talk about NFTs and how it will change the world. Visit www.realvision.com/crypto to join the crypto revolution. You can reach out to Peter Hans on Twitter : @peterdhans82 Learn more about your ad choices. Visit megaphone.fm/adchoices…
In this time of digital acceleration, the digital divide is growing. Tune in to this #NomadFuturist podcast and learn how David Neeman and James Patrignelli, agents for good, are stepping up to the problem. David Neeman worked for ten years as a prosecutor in the Manhattan DA’s office, motivated by a desire to help people, especially young people. …
Single parents face unique challenges. The "to do" list is overwhelming! In today's episode Dr. Rob and Amy Rienow share hope, encouragement, and practical ways you can connect with your children and help them follow God.By Visionary Family Ministries
Welcome to Real Life... Church for Everyone. As we gather this week both in-person and remotely, join us, with Pastor Jim Miller, for our Easter sermon, "Rebuilding and Waking Up".TODAY'S MESSAGEJesus wants to tear down old religion in our lives and rebuild living faith.WE WELCOME YOU......each week, join us via our Sunday Sermon podcast, on online…
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Real Vision: Finance, Business & The Global Economy


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A Rejection of the New "Roaring 20s" Recovery Narrative (w/David Rosenberg and Ed Harrison)
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The Interview: David Rosenberg, chief economist and strategist at Rosenberg Research Associates, believes that there will be a recovery—but not one nearly as robust as the market is currently pricing in. In this interview with Ed Harrison, Rosenberg argues that this is the result of a freshly increased debt overhang, lingering unemployment, and shi…