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One of the clearest messages from KB Homes leadership during its last earnings call was that the homebuilderranked No. 526 on the Fortune 1000is intentionally shifting away from elevated spec inventory and back toward more built-to-order (BTO)which will also help firm up its compressing margins given that BTO has higher margins than spec.
When the supply chain crashed [during the pandemic] and our build times significantly extended, it was very difficult to sell a built-to-order home to a buyer when it was going to take 10 or 11 months to build You cant lock the interest rate for that long, Mezger tells ResiClub. So they did more spec.
Thats over now.
Weve significantly compressed our build times Were back down to four months or less, which is our historical level, Mezger tells ResiClub. With shorter cycle times and shifted conditions, KB Home wants to move to less spec.
For years and years, [built-to-order] was 70% to 80% of our business, Mezger noted. In the fourth quarter, deliveries were around 50% BTO.In late January 2026, ResiClub interviewed KB Home CEO Jeffrey Mezger and COO Rob McGibney. Beginning March 1, 2026, McGibney will assume the CEO role, with Mezgerwho has served as CEO since 2006moving into the newly created position of executive chairman. Below are some main housing market takeaways from our recent conversation with KB Home.
KB Home says its Florida business is showing signs of stabilizationbut the story is hyper-local
Speaking on their September 2025 earnings call, KB Home executives said they had cut home prices across Floridalast years weakest pocket of the housing marketand were beginning to see signs of stabilization in the Sunshine State as a result.
Do they still stand behind that signs of stabilization statement?
Thats still largely accurate But it really remains very market specific, McGibney tells ResiClub. McGibney adds that some Florida communities have improved, allowing KB Home to lift prices a little this spring. Other Florida communities remain sluggish, requiring additional price adjustments even after earlier cuts.
We look at every community as its own business, McGibney explained. It can vary significantly within the same metroTampa, Orlando, Jacksonvilleyou name it.
As for magnitude, KB Home estimates most Florida home price adjustments since peak are modest. Even -10% would be on the extreme side, McGibney said, referring to price moves from peak levels. Most of what were talking about is in a -1% to -10% range.
The new-home supply pipeline is pulling back some in softer markets
Weve seen [housing] starts come down year-over-year in many [weaker] markets, Mezger tells ResiClub. Especially spec starts.
KB Home says the pullback is helping limit further inventory pressure in markets like Florida, Phoenix, and Denver where prices just ran up too much relative to incomes.
It’s good to see that there’s not a lot more inventory being injected into some of the softer markets, and I think that’s going to help places like Florida stabilize, Mezger says.
The new-vs-existing price gap is compressingand thats making new construction more attractive
According to the ResiClub New Home Premium Index, the median sales price of new single-family homes in October 2025 was -1.2% lower than the median sales price of existing single-family homes. This shift reflects how the affordability-strained housing market of the past three years has played out unevenly across segments. Many existing-home sellers have resisted downward price pressure, often at the expense of being able to transact. Homebuilders, by contrast, have been more willing to make affordability adjustmentsmost notably through price cuts, incentives, and a greater mix of smaller homesto avoid a sharper pullback in new-home sales.
While theres no question that the new-construction premium has fallen meaningfully from a few years ago, national median comparisons (i.., ResiClubs index) likely overstate the magnitude of the decline somewhat due to mix-shift effects. KB Home says its premium has compressed; however, it still exists.
There’s a lot of [existing] sellers that have stuck to pricing that’s very high, and they haven’t moved off the pricing so it doesn’t trade. And historically, we’ve always, over time, been able to support a 10% premium to resaleand above 15% when there was no resale inventory. The premiums for the industry gapped well above that [during the Pandemic Housing Boom], and you have seen them compress. But in our case, we try to target our product when we open a community to be within that 10% to 15% range. And when we do that, we’ve [still] seen a buyer that will absolutely take new over used, Mezger tells ResiClub.
For many Black tech founders, raising venture capital is often positioned as the ultimate milestone. It signals that your idea is validated, your business is taken seriously, and opportunities begin to take shape. As the managing partner of an early stage VC firm, and a 3X Black tech founder that speaks and meets with thousands of founders a year, I can tell you the truth is far more nuanced. Venture capital can be powerful, but its not for everyone.
Before chasing your first check, founders need clarity, preparation, and strategy. Fundraising is not just about storytelling or networking; its about understanding the system youre stepping into and deciding whether raising venture capital truly aligns with your long-term vision.
Venture Capital Is a Business Model, Not a Badge of Honor
It’s important for first time founders to understand the venture business model. Investors are not simply backing good ideas”; we are seeking outsized returns within a defined time horizon. That means VCs are looking for companies that can scale rapidly, dominate large markets, and potentially return 10x, 50x, or even 100x their investment.
For founders, especially those from underrepresented backgrounds, this distinction matters. Too often, VC is treated as a symbol of success rather than a strategic tool. Before you fundraise, ask yourself these tough questions: Is your business designed to scale quickly? Does it address a large enough market? Can it grow aggressively without breaking what makes it special?
If the answer is no, that doesnt mean your business isnt valuable, it just simply means venture capital may not be the right fuel for it. And thats okay.
VC Readiness Starts Long Before the Pitch Deck
Many first-time founders assume fundraising begins when the pitch deck is finished. In reality, thats often the final step. True VC readiness starts months earlier. It takes time to develop your story. Even at the earliest stages, founders should be able to clearly articulate who their customer is, what problem theyre solving, and why their solution is meaningfully different from competitors who are already in market. Part of that story are performance metrics, why your team, and why is this the right time.
Equally important is team readiness. VCs invest in people as much as products, especially first-time founders. Youre almost betting on the person more than you are the business concept. Founders with complementary skill sets, operational discipline, and the ability to execute consistently tend to inspire confidence with VCs. For solo founders, this often means building a roster of strong advisers, impressive early hires, and/or strategic partners who help de-risk the business. The more prepared you are, the better leverage youll have throughout the fundraising process.
Holding Your Power in VC Rooms
Venture capital, like most industries, doesnt hold Black founders in mind, and that reality shows up in subtle and not-so-subtle ways. From biased pattern matching to lowered expectations, founders will encounter dynamics that challenge their confidence.
Thats why entering investor conversations with the right mindset is critical. You are not lucky to be in the room; you earned your place there. I see founders make this mistake often. Investors are evaluating an opportunity, but you need to remember that youre also evaluating them. Not every VC is the right fit for your business. Alignment, values, and long-term partnership matter just as much as check size and valuation.
Holding your power means controlling the narrative around your business, being clear about your vision. It also means taking a collaborative approach to conversation as opposed to a subordinate one. You are supposed to answer questions to VCs but youre not in a job interview. Confidence (not desperation), when backed by preparation and performance, can shift the entire dynamic of a fundraising conversation.
Knowing When Venture Capital Is Or Isnt The Right Move
Its important to remember that not every successful company needs venture capital. Bootstrapping, revenue-based financing, grants, and strategic partnerships can often provide growth capital without sacrificing equity or control. This is more possible than ever in the era of agentic AI.
Founders need to be sure that they have a massive market, directional customer demand that validates the market, and the right team at the earliest stages. Even better is true confidence in scaling the offering to $100M+ revenue in 57 years, given ideal conditions.
VCs are looking to accelerate something thats already working, not serve as a lifeline. Raising money out of desperation only leads to two possible outcomes: a bad deal from a predatory partner or no deal at all. Extraordinary people with amazing opportunities know their worth in a room.
Its also important to consider, the larger the raise, in most cases the deeper the partnership with your investors. This is why setting up the correct relationships up front is key. You want to be in position to work with your board, not for your board.
Take the time to evaluate whether a VC truly fits your business model, personal goals, and tolerance for risk.
The Real Work Starts After the Check Clears
Fundraising is often glamorized, but the real work begins after the money is in the bank. Scaling a team, managing burn, hitting milestones, and navigating investor expectations can be more challenging than raising the round itself. Post-funding success requires operational maturity, strong communication, and the ability to grow as an individual. Youll quickly find that what you did to get to level one does not work to get you to level two. This is where clarity of values matters. Founders who raise with intention and choose investors who understand and respect their vision are better positioned to grow without losing themselves
Raising venture capital is a strategic decision. Understand how VC works, prepare deeply, know how to manage your power dynamic with investors, and choose the right path to build your company (not theirs).
If you decide that venture capital is the right path for you, the goal isnt just to get funded. Its to build something meaningful, scalable, and sustainable on your own terms.
Every TV and movie critic is loving to hate on Darren Aronofsky these days. The Academy Award-nominated filmmakercreator of lyrical, surreal, and deeply human movies like Black Swan, The Whale, Mother!, and Pihas released an AI-generated series called On This Day . . . 1776 to commemorate the semiquincentennial anniversary of the American Revolution. Though the series has garnered millions of views, commentators everywhere call it “a horror,” slamming Aronofsky’s work for how stiff the faces look, how everything morphs unrealistically. Although calling it “requiem for a filmmaker” seems excessive, they are not wrong about these faults.
The series, created using real human voice-overs and Google’s generative video AI, does suffer from uncanny valley syndrome (our brains can very easily detect what’s off with faces, and we don’t buy it as real, feeling an automatic repulsion). But this month, two new generative AI models from China have closed the valley’s gap: Kling 3.0 and Seedance 2.0. For the first time, AI is generating video content that is truly indistinguishable from film, with the time and subject coherence that will make the 2020s “It’s AI slop!” crybabies disappear like their predecessors in the aughts (“It’s CGI!”) and the 1990s (“It’s Photoshop!”).
Seedance 2.0, developed by TikTok parent company ByteDance, released in beta on February 9exclusively in China for now. Its widely considered the first “director’s tool.” Unlike previous models that gave the feeling you were pulling a slot machine lever and hoping for a coherent result, Seedance allows for what analysts at Chinese investment firm Kaiyuan Securities call director-level control.
It achieves this through a breakthrough multimodal input system. ByteDance has redesigned its model to accept images, videos, audio, and text simultaneously as inputs, rather than relying on text prompts alone. A creator can upload up to a dozen reference filesmixing character sheets, specific camera movement demos, and audio tracksand the AI will synthesize them into a scene that follows cinematic logic.
The results have been startling. “With its reality enhancements, I feel its very hard to tell whether a video is generated by AI,” says Wang Lei, a programmer in Guangdong who tested the model to generate a 10-second history of humanity. He described the output as “smooth in storytelling with cinematic grandeur.” One of the tricks is that ByteDance trained it on the vast video dataset of Douyin (Chinas TikTok). This gave the model the capacity to understand human nuance, which shows in the everyday shots it produces in addition to the Hollywood-level cinematic shots it can create.
[Image: Kuaishou]
And then there’s Kling
If Seedance is the visionary director, Kling 3.0 is the rigorous cinematographer. Launched February 5 by Kuaishou Technology, Kling 3.0 has earned the moniker “Motion Engine.” While other models struggle with the basic laws of physicscars floating, people walking through wallsKling 3.0 respects gravity and light.
[Image: Kuaishou]
“The physics simulation finally lets you art direct motion instead of hoping for it,” Bilawal Sidhu, a former Google product manager and AI strategist, said on LinkedIn. This makes it uniquely suited to be integrated into commercial work where a product must look and behave like a real object. Commenters on Reddit were in awe of the models new abilities, especially for long takes and multishot.
[Image: Kuaishou]
Klings major breakthrough is its Elements feature, which allows users to upload reference videos to lock in character consistency. Before, generative video AI would change the characters’ faces at random, like in Aronofsky’s series. With Kling, they always look exactly the same in any shot it generatesa holy grail feature for filmmakers who need actors to look like the same person from shot to shot. It doesn’t just generate pixels; it understands narrative pacing, cutting, and continuity.
The level of realism is so high that Kaiyuan Securities believes the new model is positioned to be widely adopted first in AI manga and short drama areas, bringing down costs and improving efficiency to benefit companies with large holdings of intellectual property or traffic.
The markets agreed. The release of these models immediately sent shockwaves through the Chinese tech sector. Digital content company house COL Group skyrocketed in the anticipation it will use these models. Shares in studio giant Huace Media and game developer Perfect World rallied 7% and 10% respectively. Investors arent betting on a toy; theyre betting on the total replacement of traditional production pipelines in gming, film, and publishing.
An industrial revolution for the visual arts
For many professionals in the trenches, generative AI tools are not toys; they are the new standard. Julian Muller, an award-winning director and creative producer, told me the shift is already visible to everyone. “Just from what I saw in the Super Bowl commercials on Sunday, many incorporated AI elements to achieve creative results. We are definitely at the beginning of a shift in what is possible under tighter timelines and leaner production investments, Muller says.
I’d say these models [Seedance 2.0 and Kling 3.0] clearly can produce stunning visual results, Muller tells me, noting, however, that theyre not perfect. They are very close to being indistinguishable from real production footage, yet I think there is still a detectable artificial quality to it.
Muller does believe that we have passed the point of no return. “Directors and producers who don’t use AI tools to enhance their projects will soon become the exception and not the rule,” he says. “This is te future, and we’re definitely not going back.”
This sentiment is echoed by Tim Simmons, a 17-year Hollywood veteran who analyzes the industry on YouTubes channel Theoretically Media. He told me that while big studios are paralyzed by their own infrastructure, indie creators are adapting.
“Adoption at the large studios will remain slower because of the rigid postproduction specs that necessitate building customized AI workflows,” he says. “The challenge is the time required to build such a workflow versus the speed at which AI models are evolving.” Basically, by the time the studios have finished constructing your bridge, the river has moved 150 miles to the north, he points out.
Setting aside the complex discussions regarding unions and talent for a moment, its safe to say that through 2026, you’ll see tentative steps from larger studios, Simmons says. But for indie studios and international production houses working outside the traditional Hollywood system? Utilization will rise rapidly.
A demo video from the Kling 3.0 announcement [Image: Kuaishou]
No soul in the machine
Not everyone is ready to embrace the algorithm, of course. While the technology has nearly conquered the visual uncanny valley, a deeper, emotional chasm remains. “I dont think weve ever been amazed and saddened like we are today,” Peter Quinn, a VFX artist and director known for his surreal, handcrafted effects, told me via email. “Spectacular art has just become so dull,” he says.
Quinn argues that we value art not just for the final image, but for the human struggle behind itthe painter mixing colors, the stop-motion artist moving a puppet millimeter by millimeter. “Kling 3.0 and Seedance 2.0, while spectacular, are 2026s latest shiny AI toys . . . capable of generating soulless marvels, birthed in a data center somewhere,” he says. “Its interesting how the wow fades when we hear its AI.”
In fact, Quinn is in the process of creating a TV docuseries about the anti-AI. Titled The Creators, it intentionally features dozens of “real” artists whove found interesting ways to express creativity by leaning heavily into showing the process, time, and effort it takes to make something.
We see a painter mixing and painstakingly applying paint to a canvas over days, stop-motion artists timelapse of weeks of tiny well-considered adjustments, a dancer getting it wrong, a collage artist cutting hundreds of pieces by hand, an artist who can create photo-real pencil sketches, a sculptor who knows the nuance of clay, or a photographer who sees something nobody else does, he tells me. It just feels like its time. [The] time it takes is what makes it valuable and worthy of looking at or hanging on a wall.
Titans of the industry share his skepticism. Guillermo del Toro has famously dismissed AI art as “an insult to life itself,” while Breaking Bad and Better Call Saul creator Vince Gilligan says he wont use tools that remove the human element from storytelling. In Pluribuss credits there is a line that says that humans proudly made it. Maybe TV and cinema will bifurcate between a minority of human-only-made art for the galleries and the purists, and algorithmic content for the masses. Just like there are fanatics of real film, like Christopher Nolan and Quentin Tarantino, who refuse using digital cameras like everyone else in the industry.
A demo video from the Kling 3.0 announcement [Image: Kuaishou]
The new impressionism
I understand Quinn, Del Toro, Nolan, and every purist out there. But, from a historical perspective, it really doesnt make a lot of sense. Despite the existential angstand leaving aside the huge problem that this will cause in terms of jobs and copyright issues, a topic for another articlethere is reason for deep optimism.
We are standing at a moment in history that mirrors the state of art in the late 19th century. Before the industrial revolution brought us the collapsible paint tube and pre-stretched factory-made canvas, painting was an expensive, studio-bound endeavor reserved for the elite who had the patrons that would pay them enough for them to grind their own pigments. The industrial revolution in paint manufacturing liberated every artist. It allowed Monet and Renoir to leave the studio, go outside, and paint the light. It birthed Impressionism.
Seedance 2.0 and Kling 3.0 may be the paint tubes of cinema and TV, which has seen its cost go down with the analog and video revolutions, but its still reserved for a very few. Those modelsand the ones that will come next from Google and otherstruly open the gates for true AI-generated stories that will feel as real as the ones produced with real people, whether the purists like it or not.
Simmons believes “there is a ‘new media’ coming that isn’t ‘just movies but cheaper.’ It will be interactive, generative, and personalized in ways we can’t fully articulate yet, he says. I dont think we have the language for it yet. Right now, we are looking at the internet in 1990 and asking, ‘How will this change the fax machine?’ The answer wasn’t a better fax machine.”
I believe that he is right. By lowering the barrier to entry to zero, Seedance and Kling are inviting billions of people who have never held a camera to tell their stories. With the uncanny valley closed, the gatekeepers are gone. The only thing left is to see what humanity decides to paint with this terrifying, wonderful new brush.
When my business went through a difficult season, I turned to my friend, ChatGPT. I asked the Large Language Model (LLM) for insights and advice on how to leverage my strengths and pivot my business as budgets for womens leadership programs shifted downward. When the well-framed answers started pouring in, I didnt pause to check in with myself and ask if my opinion diverged from ChatGPT or whether this advice aligned with my values and mission. In fact, I didnt even think to ask ChatGPT what might work in my favor if I just stayed the course.I was a LLeMming: a term Lila Shroff uses to describe compulsive AI users in The Atlantic. Lila Shroff shares that just as the adoption of writing reduced our memory and calculators devalued basic arithmetic skills, AI could be atrophying our critical thinking skills.
A MODERN LEADERSHIP BLIND SPOT
In my TEDx talk, I share that we are all susceptible to a cognitive bias called authority bias, which means we are heavily influenced by the opinions and judgments of perceived authority figures. This could be accepting your bosss input without critical evaluation, or it could be blind trust that ChatGPT always provides the right answers.
Large Language Models offer us 24/7 access to advice and guidance. Its easy to fall into an authority bias toward LLMs because not only do tools like ChatGPT answer all questions with an astonishingly confident tone, but outsourcing our decision-making is convenient. Also known as Cognitive Offloading, the outsourcing of cognition helps people manage mental load, memory demands, and decision burden. There is also discomfort and effort involved in turning inward (and checking in is not quick, nor are the answers obvious).
Given the fact that LLMs are not well-rounded, critical-minded people, this can be dangerous.
LLMs have been known to hallucinate by making up data or resources, reduce cognitive problem-solving skills, and hinder spontaneous creativity. It also has a bias for positivity, which means it can validate or support even the worst of ideas. This bias can be especially powerful in making you drift off track as a leader.
Heres what to do when you realize youre outsourcing your thinking (whether to an LLM or to a person).
GET CURIOUS ABOUT YOUR MOTIVATIONS
When I sought out ChatGPT to help me make some business pivots at the beginning of 2025, it seemed like a safe place to go to express my concerns and get advice without judgment. What I was really seeking was a sense of certainty in an uncertain time. Its tempting to default to our favorite LLM when uncertainty hits. One of my clients, a founder in the events industry, was feeling stuck in a creative strategy. She wanted to offload some of the uncertainty she was feeling around her marketing strategy, and so she asked ChatGPT to give her feedback. It gave her a host of strategies to try. When she asked my opinion, I asked her: Does the strategy align with your values? Does it move you and your team closer to your goals and objectives? Most importantly, does this recommendation energize you, or does it drain you?If you are wondering whether or not to use a strategy or idea suggested by AI, you can ask yourself these same questions. You can also start to take track of your own tendencies, like how frequently you turn to your favorite LLM to solve a problem, or even validate your choices and beliefs. Are you: Trying to eliminate uncertainty? Seeking validation? Craving alternatives? Or looking for novel ideas?
When you notice why you turn to your favorite LLM for advice, it becomes easier to slow down and ensure you are using it for the right reasons.
TRUST YOURSELF FIRST
For over three months, I’ve stopped asking ChatGPT (my preferred LLM) for advice on business challenges after I realized I was drifting off course. While building a skill set around AI and LLM is critical as a leader, this exercise helped me rebuild self-trust. I feel better in my physical and mental health, my creativity has returned, and I feel back in alignment with my business, my decisions, and my future. I made some hard decisions to quit things that weren’t working for me (that were very well supported by ChatGPT).
One of my clients realized that she was trusting Claude, her preferred LLM, too much for leadership advice. To combat this, she started to read the advice in a toddlers voice. It helped her remember that the recommendations, while sounding smart, generally offer no more experience and education than a toddler. Its often guessing at best.
Sow down enough to assess whether this advice aligns with your value system, feels aligned, or even whether its advice youd entertain if a younger coworker suggested it.
DONT OUTSOURCE YOUR LEADERSHIP POWER
A client of mine remembers the precise day she started looking for a new job. It was the day she shared her annual marketing strategy with her CEO. As CMO, she had spent months gathering enough data and research to craft this careful plan. Her CEO took her plan, put it in ChatGPT, and told her they would be moving forward with one of ChatGPTs strategies, instead of her custom-crafted plan. She felt her intelligence was undermined as the CEO swapped her decades of marketing knowledge for a tool that has been known to guess.
As modern leaders, we should be both proficient in using AI tools and also cognizant of when not to use them. We have to trust that we can bring all of our five senses to real business issues, and AI cannot. Delegating our approach and decisions to AI leads to a sea of sameness, and in my clients situation, employee disengagement. In my own experience, defaulting to LLMs for the answer made it harder to think creatively and on the fly for solutions.
Remember, your experience, insights, and senses are unique and valuable. They are your competitive advantage. No AI tool can replace this.
Romance scams used to feel like a cliché. Everyone pictured an email from an overseas “prince” that was poorly written and full of typos and pleas for cash. Now, that cliché is dead.
Todays romance scams are industrial-scale operations. Attackers use artificial intelligence to clone voices, create deepfake video calls, and write scripts with large language models (LLMs).
In 2024 alone, the Federal Trade Commission reported that financial losses to romance scams skyrocketed, with victims losing $1.14 billion. The real number, hidden by shame and silence, is likely triple that.
Romance scams arent just a tragedy for the victims. A successful scam is a massive risk for businesses, too. When an employee with access to sensitive data or funds is compromised, the “heartbreak hack” can harm an entire organization.
What Today’s Romance Scams Look Like
Phase 1: Contact. Romance scams often start on dating appsbut theyre also prevalent on Instagram, Facebook, and LinkedInwith a seemingly innocent message. These scams arent necessarily about love; theyre about establishing trust.
For example: Is this Alex? We met at the conference last week, or Sorry, wrong number, but your profile photo is lovely.
The goal is to continue the conversation on an encrypted app, such as Telegram or WhatsApp, where traditional security measures cant monitor conversations. Once contact is established, the manipulation becomes emotional.
Phase 2: Love bomb. Over weeks or months, the scammer builds intimacy. Theyll share mundane details, such as photos of their dog or personal struggles.
But with todays AI upgrade, LLMs can craft empathetic responses that mimic shared information to gain trust. Eventually, the relationship is leveraged for financial gain.
Phase 3: Pivot. Once trust is established, the conversation pivots. The scammer doesnt ask for a plane ticket or emergency money. They talk about success.
They might say, My uncle has an exclusive crypto trading algorithm. They’ll agree to teach the victim how to invest, showing massive (yet fake) returns on a legitimate-looking app. Then, the victim invests large sums of money.
What makes these scams especially dangerous is that old warning signs no longer apply.
When the Bot Flirts Back
We used to say, If they wont video call you, its a scam. That advice is now obsolete.
In deepfake video calls, for example, scammers use real-time face-swapping technology. On your screen, the person moves, blinks, and smiles, wearing the face of the stolen identity. While the tech is good, its not perfect. Tip: Look for blurring around the neck and hairline or glitches when they pass a hand in front of their face.
In voice cloning, scammers send voice notes that sound exactly like the person in the photos. Free AI tools now require less than 10 seconds of audio to clone a voice with 85% accuracy, enabling voicemails that reinforce the persona’s reality.
Organizations Need to Pay Attention
You might be thinking, Why is it a CISOs problem?
Take the now-former CEO of Heartland Tri-State Bank, who fell victim to such a scam. Convinced he was investing in a crypto opportunity for his “friend,” he embezzled $47 million of the banks funds, leading to the banks total collapse and a 24-year prison sentence. Had the bank’s chief information security officer known what was going on, the situation might have been identified earlier and nipped in the bud.
Here are three forms of the corporate blast radius.
Embezzlement: Employees with access to payroll or wire transfers may “borrow” company funds, believing theyll pay it back once their “investment” clears.
Sextortion and blackmail: Scammers typically encourage victims to share intimate images. Once they have this, it becomes leverage.
BYOD malware: The “trading app” the victim installs is often sophisticated malware that gives the attacker backdoor entry. If that device connects to your corporate network, the attacker is inside.
How to Stop a Romance Scam
Defending against romance scams requires recognizing patterns in infrastructure and the psychology of influence. Here are three tips to avoid falling victim to a fraudster.
Watch for the vibe shift: If a romantic interest mentions cryptocurrency, foreign exchanges (forex), or nodes within the first few weeks, its a 100% positive indicator of a scamno exceptions. If theyve been patient for months, but suddenly an opportunity is closing quickly, this is manufactured urgency designed to bypass critical thinking.
The “specific action” test: Try to hop on a video call, and take two actions. First, ask the person to turn their head all the way around. Deepfake models often struggle with extreme movements or facial expressions, and the face can glitch. Second, ask the person to wave a hand in front of or behind their head. AI often gets confused about which object is in front, leading to face distortion.
Move beyond awareness training: Social engineering defense used to be treated as a training problem, measured by click rates and phishing simulations. But modern attacks go beyond inboxes, and they dont wait for employee mistakes.
Todays most damaging campaigns leverage impersonation tactics across email, messaging platforms, and social media, often targeting trusted relationships. Defense requires moving beyond reactive training toward early detection of impersonation and coordinated disruption, supported by human rsk management practices that help employees recognize how attacks like romance scams begin and escalate.
Trust, But Verify
Theres now little distinction between personal life and corporate risk. When an employee or executive is emotionally compromised, so is the organization. Human intuition cant win a fight against AI-powered psychological warfare.
The heart will always be a vulnerability, and in the age of AI, its also an attack vector. Romance scams prove that attackers dont need to break a firewall; they just need to break a heart, and its time to defend with rigor.
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During an earnings call in June 2025, KB Homes McGibneywhose company prefers outright home price cuts over incentives when adjustments are neededsaid that some buyers turning to competitors are effectively overpaying for new builds to obtain mortgage rate buydowns. If those buyers need to sell in the near term, he warned, they could find themselves underwater and unable to recoup the artificially high base prices.
“I believe that there are [builder] customers that are overpaying for the home to effectively get an incentive… They may potentially be upside down when they try to sell that home, McGibney said back in June.
In January 2026, ResiClub interviewed KB Home CEO Jeffrey Mezger and COO Rob McGibneybeginning March 1, 2026, McGibney will assume the CEO role. During that conversation, ResiClub asked KB Home about that upside-down comment.
Mezger and McGibney reaffirmed their stance, saying theyll continue to lean into transparent pricing over incentives.
We believe in price transparency, Mezger tells ResiClub. Our biggest competitor is resaleand [resale] sellers dont offer incentive packages.
In the view of KB Home executives, leaning too hard into incentive-driven strategieswhen affordability adjustments or net effective price cuts are needed to meet the marketcan translate into inflated base prices, larger loan balances, and greater near-term resale risk if a buyer needs to move sooner than expected.Our buyers tell us they like the clarity, McGibney tells ResiClub. They [our buyers] know exactly what theyre paying for I think [transparent pricing] really lowers that risk of [the buyer] overpaying for a home and potentially being upside down.
Not long after mortgage rates spiked in 2022 and the pandemic housing boom fizzled out, many large homebuilders began offering sizable mortgage rate buydowns. Some have gone as far as shelling out $40,000, $50,000, or even $60,000 toward forward commitments that can get a borrowers mortgage rate below 4.99%or even 3.99%. Through an economic lens, the homebuyer is still ultimately paying for those buydowns if the headline price isnt coming down.
According to AEI Housing Center, 64% of new single-family home sales in June 2025 by the 21 largest U.S. homebuilders included a permanent buydowncompared with 13% for all other new-home sales. Many large homebuilders do this because arbitrage in the bond market allows them to achieve a marginally larger reduction in a buyers monthly payment for each dollar spent on mortgage rate buydowns than for each dollar spent on outright price cuts.
Here’s what Edward Pinto, senior fellow and co-director of the AEI Housing Center, wrote in a report published in November 2025:
Why dont [more] builders just cut prices instead? The main reason is that permanent buydowns are far more cost-effective lowering the rate [via forward commitments for buydowns] by 100 bps costs the builder roughly 3.2% of the sale price. To achieve the same monthly payment through a direct price cut, the builder would need to cut the price by 10%. Furthermore, once a builder cuts the price on one home, buyers would expect similar discounts for the entire subdivision. But there is another factor at work. Permanent buydowns funded through bulk forward commitments are excluded from the seller concession limits, which cap how much a seller can contribute toward the borrowers closing costs. For Fannie Mae and Freddie Mac seller concessions are generally limited to 3-6% and for FHA the limit is generally 6%. Over 40% of sales by large builders have a combination of seller concessions plus permanent buydown cost in excess of 6%.”
Start in a low-level position and work your way upward. Does that even apply anymore? In fact, the career ladder doesnt work for everyone anymore. Right now, as technology disrupts the work rules, there are no clear paths forward.
The linear career path changed somewhere between the rise of the gig economy and the rise of artificial intelligence. Companies are restructuring. Some industries may collapse entirely in the next five years. Ive gone from studying law to studying software entrepreneurship to being a self-improvement essayist. My career is still an experiment in progress. The world of work is changing. And Im changing with it.
The people who make it are not those with impressive titles, but those who are willing to adjust to the new 21st-century workplace. Thats why these ideas matter right now. I hope they help you rethink your work life.
1. Build skills, not titles
If the promotion is not coming, dont dwell on it. Or obsess over the next one. Focus on what you can do to take control of your skills. The title may look great on LinkedIn, but you will want more than that. Do more for your present skills. Can you get good at other skills beyond your current expertise? Can you interpret data? Manage difficult conversations? Build better relationships with the people on your team?
These skills travel with you. Titles dont. Titles change, while your values and skills evolve. You are either ahead of change or being left behind. Dont focus too much on reaching the final level of management. Stack indispensable skills you can take anywhere.
That means take that weird project nobody wants. Youll learn something. Say yes to the cross-functional teameven if its more work. Learn the skill that scares you a little. You will probably be terrified in the process. But you will learn a thing or two. That new skill will open more doors than any title ever could.
2. Think in networks, not hierarchies
The org chart lies to you. It tells you theres one path up. It tells you your bosss boss is more important than the engineer in another department. Or to keep your head down and wait your turn. You are better than that. Ignore it. The most valuable people I know have spider-web abilities. They know people across industries, across functions, across companies.
When opportunity knocks, it usually comes through someone you helped three years ago, not through your annual review. I worked with the Microsoft small-business team a few years ago because someone saw my work on a blog. If you can help a former colleague troubleshoot something, try to find a pocket of time to help. You never know how you could cross paths again. Be curious about what others doeven when you are out for a chat.
Start small. Message someone whose work you admire. Just say you admire it. Introduce two people who should know each other. Share what youre learning. Publicly. Even if it feels scary. Make yourself useful to people you respectnot just to your boss. Useful to humans doing interesting work.
3. Experiment like your career depends on it
Sometimes it does. Whats risky is betting your entire future on one carefully planned path. Diversify. Its easier said than done, but do what you must within what works for you. It will become the foundation for a career you didnt even plan for. Be ready for what could happen.
You could be sabotaging your work life if you are waiting for the right time or the perfect plan. Your experiments dont need to change your entire work life. Youre not quitting your job (unless you are, in which case, have fun). Youre just testing things. You could spend a few months learning something unrelated to your job after work.
Youll gain skills youd never get at work. Start a personal side project with no clear return on investmentjust because it interests you. Follow your curiosities. Experiment your way into new skills. Those that fail teach you what you dont want. The ones that succeed show you possibilities.
4. Redefine what “success” means for you
Ask yourself: Whose definition of career success am I pursuing? I ask myself that question all the time. I spent my twenties trying to impress people. I wanted to work for a prestigious company, and have an impressive title. I got the offer. It didnt feel right. I turned it down. Ive never looked back. Your success may not be the pursuit of a career ladder. It may be living a life that fits you.
Maybe success is the flexibility to pick up your kids from school. Or working on problems that matter. Maybe its having time to train for something youve always wanted to do. Maybe its all three, in different seasons of your life. My point is, you get to decide. And you get to change your mind. Find answers to these questions: What does a good day look like for me? What am I optimizing for right now? Money? Learning? Growth? Time? What would I do if I wasn’t trying to impress anyone? Your answers will change over time. Thats fine. You are evolving.
The 21st-century career right now is not linear. But you have more choices. More opportunities to find your zone of genius. The uncertainty is the opportunity. Every unexpected change in your career. Every time the path disappears. Thats where you get to choose who you become. Youre not climbing a ladder anymore. Youre exploring what could be. Thats more interesting, I think. You get to build something wider and more uniquely yours. So stack those skills. Grow your network. Run your experiments. Define success on your terms. The career you build wont look like anyone elses. Its yours now and in the future.
Below, co-authors Jared Lindzon and Joe OConnor share five key insights from their new book, Do More in Four: Why Its Time for a Shorter Workweek.
Jared is a freelance journalist who has been reporting on the future of work for publications like Fast Company, Time magazine, and the Globe and Mail for over a decade.
Joe is the CEO and cofounder of Work Time Reduction, a global consulting and research organization that helps organizations find innovative ways to reduce working hours. Over the last eight years, it has helped hundreds of companies and thousands of employees pilot a four-day workweek in North America, Europe, the U.K., and Australia.
Whats the big idea?
Working less time and generating better results is about as counterintuitive as it gets. Logically, it shouldnt work. And yet it does, time and time again, across industries, geographies, company sizes, and cultures.
Listen to the audio version of this Book Biteread by Jared and Joebelow, or in the Next Big Idea App.
1. There is no good reason for the workweek to be five days long
It isnt backed by science, ancient wisdom, or divine decree. Nobody sat down to conduct an objective analysis of the optimal number of days for humanity to work and rest, and determined that the current 5-2 split was right, fair, or necessary. Our conventional workweek was instead shaped by a period of rapid economic and technological change that concluded over 100 years ago, during the Industrial Revolution.
For 95 percent of human history, we worked an average of 15 hours per week, and that work was typically fluid, flexible, and quintessentially human. Then the early industrial era changed both our relationship with work and the kinds of skills needed to thrive. In the early industrial era, there were no evenings or weekends; those who showed up were paid for the hours they worked, and those who didnt were replaced.
That was until the early 19th century, when Christian groups successfully lobbied the American government to close the post office on Sundays so that workers could attend church, and gradually other employers followed. Jewish workers were instead given Saturdays off to accommodate their sabbath, but that didnt sit right with the Christian groups, who insisted on having both days off for all workers. That is ultimately how we arrived at our current workweek, but it wasnt even codified into the American Fair Labor Standards Act until 1940, well after the 40-hour standard was adopted by most major employers.
While that standard served us well for the last 85 years, work has changed dramatically in that time. As we undergo another period of rapid disruption, we are once again in a unique position to reimagine work in ways that better suit todays realities and tomorrows opportunities.
2. Using industrial-era metrics in the digital age is proving unsustainable
Since the Industrial Revolution, we have been calculating productivity in hours, which is a useful tool for measuring output on an assembly linenot so much in a knowledge economy. There are many ways to fill an hour at work, but not all contribute equally to the businesss bottom line.
Quantifying productivity is no longer as simple as counting hours. It has become a much more complex, holistic equation that includes hard work as well as the quality of rest and recovery, time off, nutrition, exercise, sleep, and much more. There is a strong argument to be made that there is now a greater correlation between worker well-being and productivity than there is between hours worked and productivity.
Productivity will be all about digital efficiency plus human effectiveness.
In a fast-approaching reality in which digital labor, in the form of agentic AI, can infinitely scale a repeatable process, racing against the machine will be a dead end for the human workforce. Productivity will be all about digital efficiency plus human effectiveness.
These increasingly valuable capabilities rely heavily on leveraging well-being, motivation, energy, and recovery. Like our pre-industrial ancestors, work is evolving to leverage our most human skills. Those abilities can be optimized through a four-day workweek, in which, instead of seeking to do more in less time, we use AI to do fewer, high-impact tasks better.
3. A four-day workweek only works under the right circumstances
You cant just march into the office on Monday, announce a four-day workweek, and expect workers to magically fill the gap.
Much like the transition to hybrid or remote work, the switch to a four-day workweek must be thoughtfully designed and implemented. It requires strategy, discipline, and a willingness to challenge everything you thought you knew about productivity.
Rather than an extra weekly vacation day, the four-day workweek should be leveraged as a powerful incentive to rally staff members to completely overhaul their work processes and adopt new technologies to accomplish more in less time.
Such changes are often difficult to implement on their own; if you ask your staff to be 20 percent more productive, they probably wont respond positively. If, however, you tell them they can work one less day each week if they can find ways to be 20 percent more productive, they will likely be more than happy to take on the often difficult but potentially game-changing tech adoption and work redesign efforts that can help them achieve it.
The four-day workweek is about using time as a shared reward for better performance, engaging your staff on a collective mission to reduce hours without compromising outcomes.
4. The four-day workweek can address specific organizational challenges
Organizations that adopt a four-day workweek typically use it to address significant challenges related to employee well-being, recruitment, or tech adoption. Many organizations have leveraged it to address each in a way that would be difficult or impossible otherwise.
For example, we offer case studies featuring a nonprofit organization and a family law firm that both struggled with high absenteeism and burnout due to the intense nature of the work. Both ultimately found that any cost of moving to a four-day workweek, which they reported as minimal, was more than offset by sharp reductions in turnover and absenteeism.
Research shows that many employees are actively sabotaging their organizations attempts to adopt new AI tools out of fear of being replaced by them.
We also share the stories of midsize tech firms struggling to compete with industry giants offering salaries they could never match. Rather than trying to win the recruiting game on the same terms, they decided to change the game by offering a perk that none of their competitors would. As one firm told us,the difference between an A player and a B player is much greater than the 20 percent in lost time. Another also shared how the simple practice of auditing how staff spend their time at work revealed a disconnect between what employees thought mattered to the business and what actually improved its bottom line. Having a roster of all-stars, all squarely focused on the metrics the business cares about most, has enabled each to be more successful in four days than they were in five previously.
The four-day workweek can also be an effective way to rally staff around internal projects that they might otherwise resist. Research shows that many employees are actively sabotaging their organizations attempts to adopt new AI tools out of fear of being replaced by them. If an employees only reward for learning new skills and adopting new ways of doing things is more work, less job security, or the opportunity to earn more money for shareholders, theyre probably not going to make that transition easy for the company.
In the book, we share the stories of an American architectural firm, a British environmental consultancy, and the New Zealand office of global consumer goods behemoth Unilever, each of which used the four-day workweek to motivate major operational improvements by letting staff share in the rewards.
5. The four-day workweek can help address some of our greatest societal challenges
The four-day workweek can offer measurable environmental benefits by taking more cars off the roads and more workers out of office towers during the week, and by encouraging more sustainable behaviors. In Joes four-day workweek pilots, participants reported recycling more, volunteering more, and spending more time in nature. They also suggested that the four-day workweek gave them time to engage in more sustainable habits, like cooking instead of ordering takeout, or biking instead of driving.
The four-day workweek is also being looked at seriously by jurisdictions around the world to help address declining birth rates. According to pilot studies, the four-day workweek not only makes it easier for women to balance their careers and home lives but also encourages men to chip in more, while saving on childcare costs and allowing families to spend more time together.
Perhaps the greatest impact, however, is in the workplace itself. By including caregivers and non-caregivers under the same companywide policy, those with greater responsibilities at hometypically working motherswere more likely to be seen as equal contributors and considered for advancement opportunities, rather than feeling singled out for needing a shorter schedule.
While the four-day workweek cant solve all of societys challenges, it provides an opportunity to make meaningful progress in a way that gives people something of value, rather than a personal sacrifice.
Perhaps the greatest impact, however, is in the workplace itself.
The shift to a five-day workweek began as a grassroots movement long before it was signed into law, and we believe the same will be true for the four-day workweek.
Although ongoing political efforts from the United States to the U.K. to South Korea help bring attention and credibility to the four-day workweek, change is most likely to originate in academic papers, picket lines, break room chats, and Slack channels long before the conversation is brought into the boardroom, and even longer before it reaches the legislative floor.
When it comes to setting a new standard for working hours, history has shown that leaders, business owners, and employees have more power to drive lasting change than politicians. The future of the workweek isnt up to them; its up to you.
Enjoy our full library of Book Bitesread by the authors!in the Next Big Idea app.
This article originally appeared in Next Big Idea Club magazine and is reprinted with permission.
Artificial intelligence has shifted from an experiment to an expectation. Boards push CEOs about ROI. CEOs launch enterprise rollouts. Leaders invest in tools, platforms, and governance. Yet adoption still stalls. Work-arounds spread. Risk grows. Value lags.
The failure rarely sits with the technology. The breakdown sits in adoption design. Many organizations treat AI as an IT rollout or a standard change initiative. Tools gain approval. Policies circulate. Training launches. Whats missing is the rigor leaders apply to external products. Employees receive tools without a clear value proposition. Managers face delivery pressure without added capacity. Governance favors control over learning.
The result is predictable. Hesitation rises. Burnout grows. Execution fragments, especially in the middle of the organization.
Dana, a VP leading AI enablement at a global business-to-business services firm, lived this firsthand. The mandate was clear: deploy approved AI tools across marketing, sales, and customer success within eight months. Legal and PR aligned. Training sessions were launched as well as dashboards to track usage.
On paper, the rollout looked disciplined. Usage dashboards showed logins, prompts, and license activity. In practice, teams struggled to use the tools in live client work. Approved platforms added steps, limited outputs, or failed to match real workflows. Under delivery pressure, some teams tested briefly and moved on. Others complied superficially. Many shifted core work to external tools that felt faster and more flexible, while using approved systems only enough to register activity.
Dana ran into what we call the mandate trap. Leaders mandate AI from the top. The work of making it usable lands in the middle.
We didnt have a resistance problem, Dana reflected. We had a design problem.
Her experience reflects what we see across organizations and in AI adoption workshops with C-suite and senior leaders. Teams revert to familiar workflows. Learning time disappears as daily delivery targets crowd out capability building. Worse, often, leaders label this gap as a resistance to AI, rather than identifying the underlying problems and solving them.
Through our advisory work and research, Jenny as an executive coach and learning and development expert, and Noam as an AI strategist, we see three practices separate the organizations that are able to scale AI within their organizations from the ones that have stalled rollouts.
Reframe ‘Resistance’ as a workflow problem
Leaders often label hesitation as a mindset issue. In reality, hesitation reflects risk. Employees disengage when expectations are off, outputs feel unattainable, or policies feel unclear. Under delivery pressure, people choose speed and safety. When AI complicates execution rather than simplifying it, adoption stalls.
Middle managers absorb the strain. They must deliver faster, coach new behaviors, manage risk, and hold uncertainty, without changes to incentives, capacity, or decision rights. Adoption breaks where pressure concentrates. The issue is not motivation. It is an internal product-market fit problem.
Internal product market fit exists when a tool solves a real workflow problem well enough that teams keep using it under real constraints. This insight shifted Danas rollout. She stopped pushing compliance and paused deployment to focus on solving the problems internal teams were running into.
What leaders can do:
Diagnose hesitation: Identify where trust breaks. Unreliable outputs. Unclear revision paths. Slow approvals. Fix friction before pushing usage.
Start small: Focus on one workflow, one outcome, one team learning together.
Name the fear: Address job loss concerns directly. Clarify what stays human-led and how AI fits workforce plans. Psychological safety creates engagement.
Relieve pressure: Protect learning time. Reset targets or adoption stays surface level.
When leaders treat resistance as a design signal, adoption moves from compliance to progress.
Treat Employees as ‘Customer Zero’
Leaders who succeed stop deploying AI and start selling it internally. Strong AI adoption follows a different playbook. Leaders anchor change in outcomes, redesign workflows, involve employees as cocreators, and invest in learning as a core capability. Dana pulled in platform teams, product marketing, communications, and functional leaders. Teams receive a clear value proposition tied to real workflow friction, not feature lists or policy decks. Trust grows when people understand how outputs form, how risks are managed, and where human judgment remains essential.
Early wins rarely show up as profit. They show up as faster cycles, higher-quality work, fewer errors, and less rework. Tools gain traction when they simplify work.
Dana ran short discovery sprints with marketing, sales, and operations. She stopped asking whether teams used the tools. She asked where work slowed, where rework piled up, and where judgment mattered most.
What leaders can do:
Anchor on outcomes: Define what should feel faster, easier, or more reliable.
Build trust early: Set clear governance and human-in-the-loop guardrails.
Reimagine workflows: Integrate AI into existing systems and execution moments.
Cocreate with employees: Involve teams in discovery and testing.
Treat learning as core work: Protect time to experiment and build confidence.
When leaders treat employees as customer zero, adoption shifts from compliance to sustained change.
Protect the Middle to Unlock Learning
AI adoption breaks most often in the middle. Managers must change how work gets done while hitting the same targets. Meanwhile, managers drive most team engagement while carrying the heaviest strain. When learning competes with delivery, delivery wins.
Effective leaders redesign these conditions. They reset expectations to protect time to learn. They reward experiments that reduce risk over time. Before scaling, they ask two questions: Does this remove real workflow friction? Do people trust it enouh to use it?
Dana acted on this insight. She gave managers protected time to test workflows and share findings. Early wins became simple playbooks. Only proven practices scaled. Managers moved from firefighting to coaching. Governance shifted from gatekeeping to enablement.
Dana narrowed focus instead of widening it. Teams submitted real workflow tests. Dana selected only those with clear impact and protected a full quarter to run them end to end. Some tools removed friction and earned trust. Others added noise. She scaled the winners and retired the rest.
What leaders can do:
Spot what works: Identify teams who are already using AI to reduce friction. Turn those efforts into repeatable practices.
Reward learning: Recognize managers for building capability and sharing insights, not tool usage.
Run disciplined experiments: Require clear hypotheses, small pilots, and documented learning.
Hold the bar high: Reward honest reporting of failures so scale stays credible.
AI transformation is an organizational design challenge, not an IT rollout. The mandate trap is avoidable. Leaders escape it when they stop pushing adoption and start earning it.
The biggest accounting firm in the U.S. just announced a major structural reset: PricewaterhouseCoopers (PwC) will now only hire new associates in its advisory division to work out of 13 offices, down from 72.
Yolanda Seals-Coffield, chief people and inclusion officer for PwC US, confirmed the decision to Business Insider, explaining that the move aims to foster a sense of community among workers. “The idea is that we want to bring people together in a connected way for those first couple of years,” Seals-Coffield said.
“You may start in Atlanta and then say, ‘Great, I’ve got my two years of experience. I want to go work in Alabama, which is where I’m from and where I really want to work,” she said.
The slimmed-down choice of locations isn’t the only major change hitting the company. In recent years, PwC has delayed start dates for some entry-level consulting hires. And in 2025, it became clear that landing a job at the firm straight out of college would become more difficult; it announced it would recruit a third fewer new graduates by 2028.
The company has also been making major shifts toward upskilling its workforce in the era of artificial intelligence. On February 5, PwC announced the launch of its “Learning Collective,” a workplace training initiative that it describes as “an ecosystem for accelerated growth built for the possibilities of the AI age.”
Learning can no longer wait for the right time, place, role, or ladder, Seals-Coffield said in the announcement. It needs to be a full-immersion experience that accelerates people and their organizations forward with speed.
Despite the positive spin on the company’s clear gear shift, it’s hard to imagine that the recalibration doesn’t signal an age of growing uncertainty within the industry. Some experts say it’s a response to economic uncertainty, as well as an ever-changing world that’s grappling with how to best integrate employee capabilities with AI advances.
Deepali Vyas, global head of data and AI at global talent partner ZRG, tells Fast Company that in the AI age, “firms have to double down on what technology cannot easily replicate, including judgment, client presence, collaboration, and problem framing.” She adds that they must become “far more intentional about how they manufacture talent.”
Overall, that seems to mean entry-level roles are seriously shrinking as tasks typically done by first-year hires are increasingly being handed to AI. For Gen Zers who are hoping to get a foot in the door, the problem feels unavoidable, as some reports estimate that entry-level job postings are down by 35% since 2023.
PwC maintains that in a time when so many individuals work remotely for a good portion of the workweek, the move really is about employees getting back to learning from one another in a dynamic environmentwhich has become increasingly relevant during this post-COVID-19 era. Fast Company spoke with a PwC representative who pushed back on the narrative that the shift signifies an industry slowdown and said that employees and the company alike can make big strides with a more collaborative approach.
Still, as searching for a job has become a truly anxiety-inducing part of lifeeven for the most competitive of college graduatesany amount of company downsizing is still going to read as a bad omen. When it comes to PwC, the major cut to office space is a highly visible one at that.
