Good morning for daily show. I'm Neil Fryman and I'm Toby Howell. Today, New Englanders are going to see their heating bills go way up this winter. Then remember Jaguar is a weird pink EV from a couple years ago. It's out now. Let's pink. Still weird. It's Thursday, October 8th. Let's ride. What does your dream home include? For me, it's a baby grand piano and an indoor basketball court. But for an increasing number of people, they aspire to have a Costco door. According to the Washington Post, a number of aspiring homeowners are asking builders to add a Costco door to their house to make hauling in their bulk Kirkland purchases that much easier. What is a Costco door? You ask it is a small door, maybe two by two feet, that connects directly from a garage into a pantry or kitchen, offering a time and back-saving shortcut and it's blowing up in the suburbs. One home builder in Utah told the post that about half of his customers asked for a Costco door once they see one. See, I come from the old fastened school of unloading groceries where you got to do everything in a one-trip. Costco door kids will never know the pain or the glory associated with loading up 53 pounds of food on your arms and staggering through the front door. In general, though, I think I'm pro Costco door, not because it makes unloading easier, but because great escape hatch in playing hiding go seek. If you hide in the pantry and then if the heat starts to get too hot for you, you just slip out through the back into the garage. So for that reason, I'm in on Costco doors. And outward from our sponsor into it, Toby, you know what I'm craving? Oh, I know, like a really big sandwich one with salami, prosciutto, capricola, mozzarella, tomatoes, balsamic, spinach. No, no, no, and please eat breakfast before we record from now on. You get too descriptive when you're hungry. I'm craving simplicity. Same as the CFOs and finance teams stuck logging into four systems to close one month, rebuilding every report in a spreadsheet and paying for add-ons they were told they wouldn't need. Well, thankfully, there's the Intuit ERP for that. Your team runs one close, however many entities you have. They build their own reports, no consultant required, and getting started doesn't take over your year all without the legacy ERP baggage to learn more head to into it dot com slash ERP that's into it dot com slash ERP. New England is about to get colder than the Red Sox and the Wildcard series, but staying cozy has gotten a lot more expensive. This winter home heating oil prices are expected to jump 34 percent from last winter as a result of the energy crunch from the war in Iran. That projection from the energy information administration's annual winter fuels outlook shows how conflicts abroad are hitting the literal home for 4.1 million American households who use heating oil to keep warm in the colder months. The vast majority of them in New England. Heating oil prices largely track diesel, which you know has gone bonkers from the supply squeeze in the Gulf and in Russia. But while diesel raises prices for anything that gets transported, heating oil bills will knock household budgets at a time when broader inflation is still higher than normal. The average household using heating oil is projected to spend over $2,100 from November through March according to the EIA. The good news, not that many Americans heat their home with oil anymore, about 3 percent due compared to 45 percent using natural gas and 43 percent using electricity and households using natural gas are projected to see their heating bill fall 9 percent this winter compared to last while electricity customers will see a smaller 4 percent bump. That's cold comfort for millions in New England where the surging cost to heat homes has emerged as a hot bun political issue ahead of the midterms particularly in Maine. In that state, heating oil prices have jumped to a record 596 a gallon, up roughly 80 percent from last year. So hand up Florida boy here had no idea that New England homes used oil to heat their homes just never even crossed my mind that one you even need to heat your house during the winter. That wasn't really a big thing for us. But I just didn't know that a whole part of the country is relying on this very archaic system for heating their homes and the reason why is because New England is old. They have a lot of old homes there that just aren't equipped with modern duck work for normal modern air systems and also the conversion costs are just very high at this point. A lot of them have systems that are geared exactly for this one type of fuel and so retrofitting it with even a heat pump would take a lot of money. The big wild card though whenever you hear about oil prices and what it's going to be like in the winter is just the weather itself El Nino could produce a relatively warm northeast winter. So even though prices are elevated for heating oil, it might not be as bad because you just might not have to use as much. So home eating oil prices are up 34% from last winter, 2526 a gallon. However, the EIS says that actually people may not be paying 34% more from last winter because potentially could be a warmer winter that'd be bad for the skiers and snowboarders listening to this. But good for people's budgets because they're only expected to spend 21% more than last year because they're just going to consume less because it might be a little warmer. I was just stunned to see this come up in a debate in the political sphere home heating oil, but this happens in Maine where it's just such top of mind. Earlier this week, Troy Jackson, who's a Democrat, is going against Susan Collins, who's the incumbent Republican. They were on the debate stage in Tuesday evening and because main prices are up 80%. This came up at the debate about among a broader discussion around inflation, both accused each other of being complicit and raising these prices, but to see it in a place like Maine where this is extremely top of mind. A big concern too is there are about 1 million low income households that also rely on heating oil. And there is a federal program dedicated to this. It's called the low income home energy assistance program Lee heap. I don't know if that's the acronym, but I'm going to call it Lee heap. They currently have $4 billion available to parse out to these homes. But the issue is that aid doesn't go as far since prices are so elevated. If you've got $1,000 of assistance in heating oil is $3 a gallon. You get 285 gallons out of that. That same with $1,000 at $6 a gallon does not go as far 167 gallons. So yes, there are federal funds available here, but they are highly constrained by the fact that the unit costs the price of heating oil has gone up so much, you're just not getting as much bang for yourself. This is the time of year where I dread heading home because for some reason my parents keep the heat so low in the winter. Oh, wow. Okay. I'm going to scare people when I say what the temperature is. I may not end my home, but you basically have to wear three layers of socks, three layers of sweatpants and three layers of sweatshirts just to stay comfortable in my house because they just don't want to spend on heating. So yeah, I'll come up for maybe just a weekend. You're always welcome at my house in Florida. Moving on, remember Jaguar's controversial rebrand from two years ago. The luxury automaker debuted a new concept car in design direction back in 2024 and was immediately accused of going woke thanks to a candy pink paint job and a distinct lack of British sexiness the brand had once exuded. Well, that car has gone from concept to reality and the type 01 is hitting showrooms this week with a new silver paint job, but it's weirdness very much intact. Jaguar has been in a spot of bother for years now. The brand once synonymous with the 1960s British cool has flopped in the 2020s, losing ground to BMW and Audi and prompting a Hail Mary of a decision to abandon gas powered cars altogether and go all in on electric. Heck, the company hasn't even made a single car since December 2025 as it re-orients its business around this new electric future. That future now hangs entirely on the type 01. It's a 130,000 dollar four dollar electric speedster that packs a thousand horsepower and goes 0 to 60 in 3.1 seconds. It's visually unlike anything you've ever seen with a car and driver reviewer describing it as having a hood that stretches off to Narnia and a cabin that is in a different zip code than the headlights. Somehow though inside that cabin feels very cramped leading the same reviewer to deem the ideal customer to be a hobbit who fell into a large sum of money. The type 01 is polarizing and distinct and weird, but maybe that's exactly what the doctor ordered to stand out in today's crowded market. Deliveries are estimated to start in mid-2027, but orders are open now. Neal, hypothetically, fewer rich hobbit. You drop in 130k on the new type 01. Even if I had all of smog's gold, I probably would not buy this thing, but not necessarily because, you know, it doesn't look cool or something. I'm not a loud person. I'm not buying those more conspicuous consumption goods. Jaguars, I don't think go into hibernation, but this brand really has, and you rarely see this from an automaker. Just say, we're not making anything new. We're not going to put anything on the market. We are going to go into a shell and re-emerge as a completely new company. This is their first new model in eight years. And I do wonder whether this botched rollout of their brand two years ago, maybe played into their advantage, because before that, no one was really talking about Jaguar. They were dying a slow death in obscurity. You know, there just wasn't much buzz about the brand. Now, the fact is, we are talking about Jaguar, because of that thing two years ago, and it's got this, you know, perhaps it's for a negative reason, but the fact is, we're still talking about Jaguar right now, exactly when they want us to be, when they're rolling out this new car, this new brand identity, this new pivot into electric vehicles. So we'll see what happens, but it is certainly a hail Mary. It's a last throw.
of the dice. Yeah, they had nothing to lose, which is why they're going all in on electric. It was interesting to see where they positioned themselves within the broader electric vehicle, luxury car market. So at the very top end, you got Ferrari where they tried to pivot into electric cars with the Ferrari Luce, very heavily criticized. They did not like the design at all. It was with former Apple designer Johnny Ive, divisive, but apparently sold very well actually when it actually went to market. Then you have Bentley. They unfold its first unveiled its first EV last month. It's at the bottom of Bentley's price range, 230,000, but $100,000 more than Jaguar here. Lamborghini has ruled out doing an EV before the end of the decade McLaren as well as had last month. It has no plans to go electric saying our customers are showing very little interest in going this direction. So it looks like Jaguar is trying to split the difference there. It's not going to price it as high as Bentley and Ferrari, much like it didn't do, much like it did with its internal combustion engines, but at least it's making the step where that Lamborghini McLaren will not. It's very interesting where they want to sell this thing. It's not necessarily for the European market. They held this big event yesterday in New York City. The United States isn't exactly the country that buys the most EVs, but they're hoping that these tech millionaires, these AI millionaires want to have a statement piece in their in their driveways and they're hoping that they go for this Jaguar and the reason you know it's for the US market and it's not for the British market or the European market. This car is so long at 17 feet. It doesn't even fit in standard British parking spaces. It's going to Narnia. That's what we said. The more I look at it, I don't know what's happening to me, the more I'm kind of into it because it is so different. It looks so gosh darn long that my eye is just drawn to it. Maybe my opinion will waver back and forth over the years, but right now I'm kind of pro type zero one. Moving on, McDonald's is getting sued for using AI to potentially make your big max more expensive. That is the thrust behind a new class action lawsuit brought against the burger chain for its potential use of algorithmic price fixing. The system in question has been around in some form since 2019 and uses millions of transactions per day to recommend what McDonald's calls the optimal price for your McFlurry's and quarter pounders. They then give that data to franchisees and say, hey, here's our wreck, take it or leave it. But where things get antitrusty is 95% of the McDonald's you see in the US are franchises and franchisees are supposed to be in competition with each other, meaning they have to independently figure out their own menu prices. The new lawsuit says that's not happening since everyone is getting data from a centralized source. McDonald's has fired back saying AI does not set menu prices at McDonald's restaurant. McDonald's franchisees do, but a report from Reuters last month revealed that some franchisees did feel like they were pressured from above to set prices in a certain way. For consumers, they're just tired of seeing the cost of a burger go up. McDonald's own internal data shows that its average menu item increased roughly 40% in price from 2019 to 2024, which again, it's not inherently illegal, but does not help them in the court of public opinion. Neil, this is a very hot button issue right now, letting an AI algorithm influence how much something costs. And somehow it all goes back to that $18 big Mac meal from 2023. If you remember this, this went viral back then. There was this Connecticut McDonald's that charged $18 for a big Mac meal. And then the franchise owner of that Connecticut McDonald's location actually later sued McDonald's alleging that the AI pricing tool suggested this price to the franchisee. So he said, this is what McDonald's corporate HQ told me I had to charge from their AI pricing tool. So I did. And then I got this huge amount of bad press over it. But I'm just following orders here. McDonald's has responded and said, no, this is just we've been doing this for decades. This is not like a generative AI Chatchee BT thing where it's literally what we're supposed to do. We analyze tons of data and we say, this is how much you should charge in Connecticut. This is how much you should charge in Alabama. This is how much you charge in Los Angeles and within neighborhoods in those cities. But franchises are saying, no, we're actually being under the table like coerced to do this. There's a pressure campaign from McDonald's HQ to actually that we are being forced to use this AI pricing tool. What's fascinating though is that there's almost some tension between what McDonald's corporate wants and what McDonald's franchisee is. A lot a lot of tension. There's always tension. Corporate wants just the total pie of sales to grow. And so oftentimes that means encouraging them to lower prices. They actually want prices to be lower across the board because they have come in under so much pressure lately for losing their affordability. So they are pushing franchisees in that direction. Meanwhile, franchisees care a lot more about store-level margins because that's their business right there. So that gives them a stronger incentive to raise prices, especially as their costs are going up. So the irony here is that you think that AI is trying to juice you for everything you're worth. Maybe it's actually doing the opposite, trying to lower prices, undercutting the businesses of the franchisees themselves. I've never seen this before. But McDonald's CEO and the previous earnings report went up there and just started complaining about the franchises. He said only 60% of U.S. restaurants offered McDonald's proposed menu of 10 items for under $3. So there was this directive to put 10 items for $3 or less. And then he said, "You know what? Only a third of the franchises did it." So they got to get with the program. There's also increased tensions about this new big upgrades that McDonald's just rolled out because their stock is down 24% this year. They're struggling pretty hardcore. And they want to rejuvenate restaurants. So they're saying, okay, now every franchise has to spend $800,000 to upgrade their restaurant. That's received a lot of pushback from them as well. So from AI pricing tools to upgrading restaurants, there's tension between McDonald's and its franchises across the board. And left in the lurch are consumers. And there's been so much backlash. This is just one of a wave of lawsuits against algorithmic AI price fixing. There's also 90 state level bills that have been released just this year around this issue. It's something that we've talked about just last week with Walmart and with their digital labels. So this is an issue that is only going to get more heated. All right, let's take a quick break and come back with Niels Numbers right after this. Every day, shareholders meet to discuss important matters about the companies you invest in. Now you can easily make your voice heard too. Vanguard investor choice makes it easy to set your proxy voting preference for your eligible Vanguard index funds. In just a few clicks, you can have a say on important shareholder topics like executive pay and director elections. Visit vanguard.com/investorchoice to learn more. It's your shares, it's your voice, it's easy. Vanguard investors own shares of their index funds and those funds own shares of the companies they invest in. Vanguard marketing corporation distributor. What's the best thing you've ever gotten out of a work trip, Neil? The friends I made along the way? Oh, that's not good at all. You should try getting better things like rewards. With Hotels.com, business stays can help fund the next getaway. Members save up to 20% earn rewards on workstays and can redeem them on future travel making every work trip more valuable. Sign up for their free rewards program and start earning on every workstay at Hotels.com/morningbrew. That's Hotels.com/morningbrew loyalty members 18 plus. The business landscape in the U.S. feels like it's changing as often as the specials board at a fancy farm to table restaurant. The upcoming midterm elections are likely only going to bring more change. Thankfully, PWC can help. Using decades of experience and expertise, they work with leaders to help make sense of the volatility. PWC starts by identifying how changes in trade, AI, capital and energy can affect your business. From there, they'll gather insights, model trade-offs and share perspectives you can use to inform your decisions. Get support leading through change head to pwc.com/us/20206 midterms. Welcome to Niels Numbers, the segment where I share three stats from the weeks news that will feel like solid core for your brain. My first number is that water is getting a lot more expensive and I'm not talking about your aquaponna addiction. U.S. household drinking water bills jumped roughly 62% over the past decade according to a report from Environmental Group Food and Waterwatch. That's almost double the rise in broader inflation and more than double the inflation rate of grocery items. The reason aging infrastructure is a major expense as food and water watches Mary Grant. But some are things like dealing with drought, wildfires and other weather events made worse by climate change. Whether you've been subject to major water price hikes or a more gentle increase, very much depends on where you're listening to this because water systems are local and so are their rates. Bloomberg notes that two large system in West Virginia build customers an average of nearly $1,400 a year while customers in Idaho paid one fifth as much. And if your water provider is a for-profit, then you're likely to have been charged more. The report found that private systems rather than publicly owned utilities, were disproportionately among the most expensive. So be more like H3O, am I right? So obviously I have to look up what the chemical H3O actually is. Ozone, right? No, it's extremely corrosive. It just makes water more acidic. It's fine and small doses, but in high concentrations, very corrosive and dangerous. So no, it's not H3O, Neil. You mentioned that geography plays a huge role in this. California is kind of ground zero for how expensive water has become. 52% of America's 25 most expensive water systems were in California. At the other end of the system, 60% of the 20%
25 cheapest systems were in the South Florida in Georgia. So there's clearly a regional divide here. I just want to shout out the Northeast again, too. They're getting wrecked on heating oil prices. New Hampshire has seen a 177% increase in their water prices as well. So it really is so regional and it really is tied to if it is a private provider or if it's a public utility that is giving you your water. - Do you have a side hustle as a broker for Florida Real Estate? Because it's kind of sounding like that so far. - Go visit it. - From an ex number, let's head to the birthplace of Luke Gadantich and Melania Trump Slovenia, which is reaping the benefits of President Trump's attempt to rebrand artificial intelligence as superintelligence. The dot SI domain name, the official extension of Slovenia, has seen a surge in registrations after Trump first rolled out his SI moniker in the UN speech last month. More than 10,000 dot SI domains are being registered every day enough for a more than 15 fold increase in September over August. It's reminiscent of the bags secured by the tiny Caribbean nation of Angola whose dot AI domain extension earned it more than $85 million last year. Despite the SI spike, Slovenia probably won't be in for that kind of windfall. The academic and research network of Slovenia charges just $11 per domain while Angola asks for a lot more than that plus a two year commitment as the head of domains for the web hosting platform hosting her told TechCrunch for angola.ai became a second economy for Slovenia dot SI is a nice bonus. Everyone immediately to pointed out Trump's connection to Slovenia when he started doing this SI push. Melania Trump is from Slovenia, so everyone's saying he's trying to funnel some cash towards her home country. Again, it's not that much cash because they are not charging too high, you know, just above $10 for a domain name. I started looking around though at some of these domains that are fetching high sums, and the funniest one is AI dot SI is up for sale. - No hedge in your bets there. - Exactly, I wonder what SI dot AI is worth, but AI dot SI is worth $700,000 up for auction right now if that compels you. So just a very funny sub economy, and I wonder what the next country code to go viral is going to be. If you're curious to what are the most common extensions on the internet.com is most common. Then dot CN, which is China's country extension, and then it's actually followed by Germany's dot DE, so we'll see if dot SI makes it up into those ranks at a time soon. - What about sports illustrated? - They should sell their, it's about SI dot com. - It's going to be worth a lot of money. - Yeah, maybe that could turn around their business. All right, for my final number, LeBron James will make almost four times as much promoting Polly Market, then for actually playing basketball for the Philadelphia 76ers this year. Front office sports reported that LeBron's endorsement deal with the prediction market announced last month was worth $15 million a year, while home make $3.9 million playing basketball for his new sixers team this season. That Polly Market deals, Hannah James, some unwanted off the court drama in the twilight of his legendary career. Critics have pounced on him for partnering with a company. They say gets people hooked on gambling and is otherwise a blight on society. That includes a notable colleague in the NBA, Victor Wemba Nyama, the young spurs phenom, said he would never work with the prediction market or sports betting company, telling the press, honestly, I think it's very sad to see some players promote it. Everybody does whatever they want, but without me. Others argue LeBron's Polly Market deal raises tough questions about the integrity of the NBA itself with platforms on which you can bet on games are paying players far more than they earn from the league, writing in the athletic, Jason Lloyd said. For generations, the league's biggest fear has been someone paying a player to fix a game. The modern sports economy has produced something far murkier. Players can legally profit from companies that profit, from people trading on what players do. Owners hold financial interests that stretch far past the arena and almost everyone involved possesses information capable of moving a market. Toby, it seems LeBron is taken more than just his talents to Broad Street. And the subtext to all of this is the clippers case that just happened. Remember, the NBA investigated the clippers to see if they helped arrange outside income for Kauai Leonard when he was on their team, basically getting deals under the table, endorsement deals that were ostensibly just to beef up the amount of money he was bringing in. That is like their worst case scenario because they have built this salary cap up over decades to ensure that your main income is coming from the league itself and you cannot get income outside of that. But then there's LeBron who comes in and is obviously making very little on the court but is making a huge amount off the court. And technically it's fine because again, he's an endorser. It is just a deal that he negotiated that the sixers had nothing to do with. And yet clearly it is dwarfing his NBA on court salary. So just the tip of the iceberg, what happens when these superstars just sign these very sweet heart team-oriented deals and yet great rewards from sponsors outside of it? And because-- Especially these kind of, especially because LeBron and this kind of sponsor of protection market where a lot of celebrities and athletes who've signed with Calcium Polymarket see a lot of backlash when they do so. There's another backlash too because LeBron is living in New York and flying to Philadelphia. And the helicopter he is doing that on is the fanatics helicopter. Another kind of controversial company that LeBron has a deal with, those trips are adding up. Hundreds of thousands of dollars every single week of him just commuting thanks to a sponsor. So you sell is not that bad. Or living in Philly. Living in Philly is great. He could live like a king, literally. He does not want to live in Philly. So badly that he's flying a helicopter to avoid that. Let's return to the finish with some final headlines. The world's best mathematicians are experiencing something I became accustomed to in high school, getting absolutely smote in a math competition. On Tuesday, open AI unleashed an onslaught of math, publishing 722 papers containing 372 AI generated proofs to problems that had stumped humans for decades. Among the findings were advances related to three of the five remaining millennium prize problems, including the famous Riemann hypothesis. One Rutgers math professor said that if a human had produced just one of these proofs, they'd immediately win the field's medal, the highest prize in mathematics. However, not everyone in the math world is thrilled. Many are worried that open AI and Anthropic have turned their life's work into a marketing competition, spending millions of dollars in computing power to solve problems faster than we can even understand the answers to. Still, others couldn't help but feel a sense of awe, a researcher inside rival Anthropic called the release, obviously the most significant moment in mathematical history. Neil, AI has solved math. It seems that open AI has internalized some of the criticism it got because you mentioned there was a big marketing war between it and Anthropic about who could solve these the most challenging math problems. And when they would, they would proudly boast about it. And we found out that they spent 21 million dollars, essentially scooping a human researcher who was working on one of these millennial prize problems. Now they are changing tech. They drip this out or they didn't drip this out. They released it all at once on Tuesday night. And the dead of night didn't really make a big deal about it. And that's because that was the recommendation of a math advisory committee that they had assembled after they received all that criticism. So I think there's still very much a testy relationship between the big AI labs who were going after these math problems and the math community about what is the future of math. I mean, that's just, math is difficult to get your head around. And then you have to talk about the future of math with AI. I mean, that is even more confusing. But it seems like open AI's, this was somewhat of an olive branch to the mathematical community saying, we understand your concerns. We don't agree with all of them. But we are going to take heed of some of your advice with this particular rollout, which, yes, some say is the biggest moment in the history of math that has ever been produced. I love that. Neil says math is difficult to wrap your head around. Yes, it is indeed Neil. I haven't wrapped my head around it since-- Exactly, you can't even do math. See your year calculus BC. I did get into BC. That's pretty good. Thank you. It finally happened in Atlantic hurricane. Hurricane Isaiah formed this morning off the East Coast of Mexico, making it the latest first hurricane to form in the Atlantic basin in more than 100 years. There hasn't been a single one until now since the season started on June 1. That's a combo of a bit of luck and a lot of El Nino. This year's supercharged El Nino heats up waters in the Pacific, pretends to create anti-heric and conditions in the Atlantic. But that luck has run out. Isaiah says forecast to make landfall on the Gulf Coast of the US Friday night from Mississippi to the Florida Panhandle as a powerful category, too. Yeah, states are definitely preparing for landfall, especially states that have oil production in them because refineries are located in that Gulf region and any production disruptions are going to send shockwaves through an already strained market. 25% of Gulf oil production has been temporarily halted in the lead up to this. But also some other tourism events have been disrupted as well. The National Strip Festival has been canceled. That happens in Gulf Shore, Alabama. It was supposed to ring out 325,000 people, but they put the caboch on that. Also, the Georgia First Alabama rivalry game, that Trump was supposed to attend, might get postponed or moved as well. Finally, how about this? Through the remnants of the storm are supposed to move up towards Chicago through the weekend. If the low pressure system moves east, it will lead to a hot day in Chicago in the mid 70s, which is bad for running a marathon. Yeah, why would you bring that up, Toby? You see where I'm going with this. If this system moves more towards Chicago, though, Us marathon runners might get some.
cooler winds off the lake, so it's crazy how people in Chicago and runners who are going to the Chicago marathon are tracking this storm in the Gulf right now to see how it's going to influence their race day. What a soft launch that you're running the Chicago marathon. It's like saying you go to the school in Boston, but yes, we wish you the best of luck in that the whatever trajectory the weather takes is beneficial to you and the rest of the tens of thousands of runners because yeah, it looks a little hot honestly. All right. That is all the time we have. Thanks for starting your morning with us. We have a wonderful Thursday. Quick shout out to my dad and avid MBD listener and feedback giver whose birthday is today. I'll call you later to share your thoughts on the episode or anything else. Send an email to
[email protected] or DM us on Instagram at MB Daily show. Let's roll the credits. Emily Miliron is our supervising producer Raymond Loot is our senior producer. Our producer is Olivia Graham and our associate producer is Olivia Lake technical direction by Nina Miller. Karen makeup is now heronmakeup.si and our show is a production of Morning Brew. Great show Daniel. Let's run it back tomorrow. Neil, is your money ready? I'm not buying you lunch again. Not what I mean, but also please, I'm so hungry. What I mean is now is the time to get your money ready for a strong 2027 for the Western Mutual's personalized approach to financial planning can give you the clarity and confidence to end the year strong and move into next with stability and peace of mind. They'll match you with a financial professional who can meet you where you are and ask the right questions to uncover blind spots and opportunities you may not have considered. Get started at nm.com. That's nm.com. The Northwestern Mutual Life Insurance Company Milwaukee, Wisconsin.
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