Dr. Jeffrey Edwards, founder and chief risk strategist of FFERM Technologies, joins host KJ to challenge the financial industry's decades-old reliance on likelihood and impact heat maps for risk management. He traces that methodology back to a 1984 Department of Defense weapons framework that was never designed for financial services, and explains why it leaves institutions blind to risk contagion, compounding, and black swan events. The episode makes a compelling case that the next major financial collapse is not unpredictable. It is just being measured with the wrong ruler.

 

Key Takeaways:
4:58 — Where did the financial industry's risk management framework actually come from?
14:28 — What happens when two separate risk events collide at the same time?
15:32 – When should an institution stop relying on the heat map as its primary risk tool?
23:19 — How does FFERM Technologies transform a risk score into something actually useful?

 

Quote of the Show (13:09):
"Math can guide you down the wrong path if you're asking and looking at it the wrong way." – Dr. Jeffrey Edwards

 

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

 

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

 

Ways to connect withDr. Jeffrey Edwards:
LinkedIn:http://www.linkedin.com/in/drjeffreyedwards
Company Website: https://www.ffermtech.com/site

 

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

YouTube: https://www.youtube.com/results?search_query=disruption+%2F+interuuption

Dr. Jeffrey Edwards, founder and chief risk strategist of FFERM Technologies, joins host KJ to challenge the financial industry's decades-old reliance on likelihood and impact heat maps for risk management. He traces that methodology back to a 1984 Department of Defense weapons framework that was never designed for financial services, and explains why it leaves institutions blind to risk contagion, compounding, and black swan events. The episode makes a compelling case that the next major financial collapse is not unpredictable. It is just being measured with the wrong ruler.
&nbsp;
Key Takeaways:
<ul>
<li>4:58 &mdash; Where did the financial industry's risk management framework actually come from?</li>
<li>14:28 &mdash; What happens when two separate risk events collide at the same time?</li>
<li>15:32 &ndash; When should an institution stop relying on the heat map as its primary risk tool?</li>
<li>23:19 &mdash; How does FFERM Technologies transform a risk score into something actually useful?</li>
</ul>
&nbsp;
Quote of the Show (13:09): "Math can guide you down the wrong path if you're asking and looking at it the wrong way." &ndash; Dr. Jeffrey Edwards
&nbsp;
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
&nbsp;
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
&nbsp;
Ways to connect with Dr. Jeffrey Edwards: LinkedIn: <a href="http://www.linkedin.com/in/drjeffreyedwards">http://www.linkedin.com/in/drjeffreyedwards</a> Company Website:&nbsp;<a href="https://www.ffermtech.com/site">https://www.ffermtech.com/site</a>
&nbsp;
How to get more Disruption/Interruption:&nbsp;
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>
YouTube: <a href="https://www.youtube.com/results?search_query=disruption+%2F+interuuption">https://www.youtube.com/results?search_query=disruption+%2F+interuuption</a>

When did you say ”THAT’S IT! I’VE HAD IT!”? Time to Disrupt and Interrupt with host Karla Jo. Every week KJ interviews professionals who are disrupting their industries and altering economic networks that have been antiquated with bull-headed predecessors holding up the progress.

KJ delves into uncovering more from industry rebels and innovators that you didn’t know you needed in your life.

Disruption / Interruption

Disrupting Black Swan Events: How We Could Have Seen It Coming, with Dr. Jeffrey Edwards

Mary Guzman, CEO of Crown Jewel® Insurance, the world's first trade secret insurer, joins host KJ to expose one of the most overlooked assets inside a business. She explains how trade secrets differ from patents, trademarks, and copyrights, and why they now hold an estimated five times the value of patents in the US. The conversation covers why the cyber insurance market has steered clear of intellectual property, how Crown Jewel pre-agrees on what qualifies as a trade secret and puts a value on it before a loss happens, and what that means when key engineers walk out the door with a company's innovation. Guzman also makes the case that founders, CFOs, and investors are sitting on off-balance sheet assets that could reshape how companies get valued, insured, and funded.

Key Takeaways:

4:23 — When should a company patent an idea, and when should it keep it secret?

8:19 — How did trade secrets come to hold five times the value of patents?

18:15 — What happens when a company suspects its trade secrets walked out the door?

27:30 — Who should care most about an asset that never shows up on the balance sheet?

Quote of the Show (28:38):

"All of a sudden you have an off-balance sheet asset that was right under your nose the whole time that's worth $60 million." — Mary Guzman

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

Ways to connect with Mary Guzman:

LinkedIn: https://www.linkedin.com/in/mary-guzman-49183b29

Company Website: https://crownjewelinsurance.com

How to get more Disruption/Interruption:

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

YouTube: https://www.youtube.com/results?search_query=disruption+%2F+interuuption

Mary Guzman, CEO of Crown Jewel&reg; Insurance, the world's first trade secret insurer, joins host KJ to expose one of the most overlooked assets inside a business. She explains how trade secrets differ from patents, trademarks, and copyrights, and why they now hold an estimated five times the value of patents in the US. The conversation covers why the cyber insurance market has steered clear of intellectual property, how Crown Jewel pre-agrees on what qualifies as a trade secret and puts a value on it before a loss happens, and what that means when key engineers walk out the door with a company's innovation. Guzman also makes the case that founders, CFOs, and investors are sitting on off-balance sheet assets that could reshape how companies get valued, insured, and funded.
Key Takeaways:
4:23 &mdash; When should a company patent an idea, and when should it keep it secret?
8:19 &mdash; How did trade secrets come to hold five times the value of patents?
18:15 &mdash; What happens when a company suspects its trade secrets walked out the door?
27:30 &mdash; Who should care most about an asset that never shows up on the balance sheet?
Quote of the Show (28:38):
"All of a sudden you have an off-balance sheet asset that was right under your nose the whole time that's worth $60 million." &mdash; Mary Guzman
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
Ways to connect with Mary Guzman:
LinkedIn: <a href="https://www.linkedin.com/in/mary-guzman-49183b29">https://www.linkedin.com/in/mary-guzman-49183b29</a>
Company Website: <a href="https://crownjewelinsurance.com">https://crownjewelinsurance.com</a>
How to get more Disruption/Interruption:
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>
YouTube: <a href="https://www.youtube.com/results?search_query=disruption+%2F+interuuption">https://www.youtube.com/results?search_query=disruption+%2F+interuuption</a>

Disrupting the Billion-Dollar Secret: Why Your Most Valuable Asset Isn’t on the Balance Sheet with Mary Guzman

Michael Schreiber, venture partner at SeventySix Capital and founder of PlayFly Sports, joins host KJ to break down how college athletics is being rewritten from the inside out. He identifies three forces flipping the industry: a massive commercial gap between college and pro sports revenues, rule changes around transfers and athlete compensation through NIL, and a facilities arms race that demands new capital. The conversation covers how early-adopter schools leveraged NIL to punch above their weight, the technology transforming both on-court performance and the business of sports, and why bipartisan legislation is racing to bring guardrails to a chaotic marketplace. Schreiber also shares his perspective on why sports fandom is one of the few things people carry from childhood to the end of life, making sports a forever industry worth investing in.

 

 

Key Takeaways:
4:52 — What makes college sports bigger than most people realize?
8:00 — How wide is the commercial gap between college and pro sports?
9:23 — When did the rules around college athlete compensation finally change?
19:17  – Who were the early adopters capitalizing on the new college sports landscape?

 

Quote of the Show (36:03):
"If anybody's looking to get into an industry or looking to invest in an industry, invest in sports. It's forever." — Michael Schreiber

 

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

 

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

 

Ways to connect with Michael Schreiber:
LinkedIn:http://www.linkedin.com/in/michael-schreiber-4b262a1

Company Website: https://www.seventysixcapital.com/

 

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

YouTube: https://www.youtube.com/results?search_query=disruption+%2F+interuuption

Michael Schreiber, venture partner at SeventySix Capital and founder of PlayFly Sports, joins host KJ to break down how college athletics is being rewritten from the inside out. He identifies three forces flipping the industry: a massive commercial gap between college and pro sports revenues, rule changes around transfers and athlete compensation through NIL, and a facilities arms race that demands new capital. The conversation covers how early-adopter schools leveraged NIL to punch above their weight, the technology transforming both on-court performance and the business of sports, and why bipartisan legislation is racing to bring guardrails to a chaotic marketplace. Schreiber also shares his perspective on why sports fandom is one of the few things people carry from childhood to the end of life, making sports a forever industry worth investing in.
&nbsp;
&nbsp;
Key Takeaways:
<ul>
<li>4:52 &mdash; What makes college sports bigger than most people realize?</li>
<li>8:00 &mdash; How wide is the commercial gap between college and pro sports?</li>
<li>9:23 &mdash; When did the rules around college athlete compensation finally change?</li>
<li>19:17 &nbsp;&ndash; Who were the early adopters capitalizing on the new college sports landscape?</li>
</ul>
&nbsp;
Quote of the Show (36:03): "If anybody's looking to get into an industry or looking to invest in an industry, invest in sports. It's forever." &mdash; Michael Schreiber
&nbsp;
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
&nbsp;
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
&nbsp;
Ways to connect with Michael Schreiber: LinkedIn: <a href="http://www.linkedin.com/in/michael-schreiber-4b262a1">http://www.linkedin.com/in/michael-schreiber-4b262a1</a>
Company Website: <a href="https://www.seventysixcapital.com/">https://www.seventysixcapital.com/</a>
&nbsp;
How to get more Disruption/Interruption:&nbsp;
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>
YouTube: <a href="https://www.youtube.com/results?search_query=disruption+%2F+interuuption">https://www.youtube.com/results?search_query=disruption+%2F+interuuption</a>

Disrupting College Sports: Turning Athletic Departments Into Sports Businesses with Michael Schreiber

Larry Hightower, founder and CEO of VXTRA HEALTH, joins Disruption/Interruption to expose how the corporate health insurance industry transformed into a banking operation that controls the money flowing between self-insured employers, physicians, and patients. He traces his path from witnessing pioneering physicians get blackballed in the 1980s to building a tech-enabled platform that bypasses legacy PPO networks and eliminates co-pays and deductibles. New federal transparency mandates have blown the black box wide open, allowing VXTRA HEALTH to deploy AI to surface price disparities of 30 to 40 percent between what insurance companies pay themselves versus what self-insured employers are charged. Larry's strategy centers on building local healthcare networks in secondary markets where the trust between physicians and patients already exists, giving employers and doctors the agency to reclaim control of their healthcare destiny.

 

 

Key Takeaways:
10:28 — What has the health insurance industry actually become?
12:12 — How does new transparency legislation empower self-insured employers?
12:02 — When did the real barrier reveal itself to VXTRA HEALTH?
34:26 – Who benefits from the "Our Town" healthcare model?

 

Quote of the Show (9:08):
"If I make it right for the doctor-patient relationship, then the money will take care of itself." — Larry Hightower

 

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

 

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

 

Ways to connect with Larry Hightower:
LinkedIn:linkedin.com/in/vxtrahealth/
Company Linkedin: https://www.linkedin.com/company/vxtrahealth/home/

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

YouTube: https://www.youtube.com/results?search_query=disruption+%2F+interuuption

Larry Hightower, founder and CEO of VXTRA HEALTH, joins Disruption/Interruption to expose how the corporate health insurance industry transformed into a banking operation that controls the money flowing between self-insured employers, physicians, and patients. He traces his path from witnessing pioneering physicians get blackballed in the 1980s to building a tech-enabled platform that bypasses legacy PPO networks and eliminates co-pays and deductibles. New federal transparency mandates have blown the black box wide open, allowing VXTRA HEALTH to deploy AI to surface price disparities of 30 to 40 percent between what insurance companies pay themselves versus what self-insured employers are charged. Larry's strategy centers on building local healthcare networks in secondary markets where the trust between physicians and patients already exists, giving employers and doctors the agency to reclaim control of their healthcare destiny.
&nbsp;
&nbsp;
Key Takeaways:
<ul>
<li>10:28 &mdash; What has the health insurance industry actually become?</li>
<li>12:12 &mdash; How does new transparency legislation empower self-insured employers?</li>
<li>12:02 &mdash; When did the real barrier reveal itself to VXTRA HEALTH?</li>
<li>34:26 &ndash; Who benefits from the "Our Town" healthcare model?</li>
</ul>
&nbsp;
Quote of the Show (9:08): "If I make it right for the doctor-patient relationship, then the money will take care of itself." &mdash; Larry Hightower
&nbsp;
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
&nbsp;
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
&nbsp;
Ways to connect with Larry Hightower: LinkedIn: linkedin.com/in/vxtrahealth/ Company Linkedin:&nbsp;<a href="https://www.linkedin.com/company/vxtrahealth/home/">https://www.linkedin.com/company/vxtrahealth/home/</a>
How to get more Disruption/Interruption:&nbsp;
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>
YouTube: <a href="https://www.youtube.com/results?search_query=disruption+%2F+interuuption">https://www.youtube.com/results?search_query=disruption+%2F+interuuption</a>

Disrupting Black Swan Events: How We Could Have Seen It Coming, with Dr. Jeffrey Edwards

Disruption / Interruption

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