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Bloggers have often gone beyond .com to use .club and .rocks to establish their web presence. But this extension beyond .com or .net is soon becoming a pain for the already established company. With the web hosting sites releasing .xxx, .wtf and .sucks, Apple, <keyword id="44473" type="CITY" weightage="20" keywordseo="Citigroup">Citigroup</keyword> including many others are rushing to protect their brands from critics and pranksters who might buy the internet address and defame them. 
 The new domain suffix available at Vox Populi Registry Ltd. only to trademark holders, for about $2,500 a pop, as part of a wider expansion of Web names beyond the familiar ".com" will soon to $249 and let anybody attach the available word of their choice, reads a news report by <keyword id="29740" type="CITY" weightage="20" keywordseo="Bloomberg">Bloomberg</keyword>. 
 
Law firms and trademark associations active in Internet registry policy have called Vox Populi's domainname sale "illicit" and "predatory," and a U.S. congressional hearing will look into the matter Wednesday. 
 
 <keyword id="50359" type="COMPANY" weightage="20" keywordseo="ICANN">ICANN</keyword>, the quasi-governmental nonprofit gatekeeper for web addresses, recently began approving new domains that resellers administer. 
 Vox Populi and similar resellers are part of a growing problem for companies on the Web, Jaffe said.John Berard, Vox Populi's <keyword id="115930" type="POSITION" weightage="20" keywordseo="Chief-Executive-Officer">chief executive officer</keyword> defended his business saying the web already is rife with scathing reviews of companies and the dotsucks domain would allow companies to "curate criticism.""We are not breaking new ground in the terms of ability to criticise," he said in an interview. "We are breaking new ground in the ability to learn from it." 
 There's not much governments or companies can do about ".sucks" because criticism is considered free speech, <keyword id="2741921" type="PERSON" weightage="20" keywordseo="Andrew-Baum">Andrew Baum</keyword>, a partner with the law firm <keyword id="275505" type="PERSON" weightage="20" keywordseo="Foley">Foley</keyword> &amp; Lardner who specialises in trademarks told Bloomberg.Trademark law applies only to something that could be confused with the real thing. For example, no one would confuse McDonalds.sucks with the website for the hamburger chain. 
 
"My advice to companies that are criticised on the Internet is that you sort of have to suck it up, no pun intended," said Baum. "First Amendment protection is broad.Trademark law only protects against confusion."

Here’s what to do if you don’t
want your website to .suck or .wtf

<ul class="summary-list"><li>Russia is holding much of its airpower and more advanced jets in reserve, experts say.</li><li>One concern for the Russians is Ukraine's air defenses, which have shot down a number of Russian aircraft.</li></ul>Russia has kept much of its airpower and some of its most advanced aircraft out of the war in Ukraine. Experts say doing so signals Russian worries about Ukraine's air defense game but also considerations beyond this fight to one with NATO.John Baum, an air power expert at the Mitchell Institute and retired US Air Force lieutenant colonel, told Business Insider that the Russians "could bring more advanced aircraft into the fight and they simply haven't done that yet."Some Kremlin claims aside, there is no evidence Russia has used its Su-57s over Ukraine itself, despite the aircraft, at least on paper, being Russia's most advanced plane and supposedly built for a war in which the airspace is heavily contested.The jet is Russia's first attempt at a fifth-generation fighter, <a target="_blank" class="" href="https://www.businessinsider.com/russia-feared-losing-su-57-combat-ukraine-hit-one-anyway-2024-6">touted by Russian media as a match</a> for American fifth-generation stealth fighters like the F-22 and F-35. However, given limitations in the design, such as a lack of all-aspect stealth, analysts question whether the plane's actual capabilities fit that description. The aircraft also suffers from some lingering technical issues.In January, the UK Ministry of Defense said the Su-57 had been limited to launching missiles from Russian territory, mirroring how the Russians have used many of its other aircraft in this war.Unlike the ground troops it throws into the meat grinder, Russia tends to use its air assets in ways that minimize risk by keeping them back from Ukraine's defenses.<div type="image" title="Su-35" height="768" width="1024" msid="112165371" hostid="261" sizebytes="75398"></div>"Russia is husbanding a lot of its air assets. So, a lot of the Russian Air Force, you are not even seeing over Ukraine," Andrew Curtis, an independent defense researcher who spent 35 years as a UK Royal Air Force officer, said. And he said Russia is using Su-57s in ways that there is "no risk."Curtis said he thinks "the reason for that is simply that it is keen to make sure that it retains a credible modern air force for any future operations that it might want to undertake.""And that in itself is quite significant," he said, "because it shows that at least somebody in the Kremlin is thinking beyond just Ukraine."<h2 id="1b47f120-c1d2-41e0-bb06-72675ec5cc2d">Russia is holding back its air forces with NATO in mind</h2>Michael Clarke, a Russia and Ukraine expert and a UK national security advisor, said Russia is making some sacrifices in Ukraine for a possible future conflict. "If the Russians were throwing everything they had against Ukraine, they would probably be in a stronger, better position than they are now," he said.He added that Russia's air force is holding back jets "because if it devoted all to Ukraine, it feels it will have nothing left if it comes to some sort of conflict with NATO."The top US commander in Europe, Gen. Christopher Cavoli, <a target="_blank" class="" href="https://www.airandspaceforces.com/russian-air-force-has-only-lost-10-percent-of-fleet-in-ukraine-us-officials-say/">told</a> Congress in April that Russia has only lost about 10 percent of its fleet in Ukraine, indicating it has a lot left in its airpower arsenal.NATO members are worried about the future threat from Russia, with many <a target="_blank" class="" href="https://www.businessinsider.com/russia-better-positioned-attack-europe-before-ukraine-war-nato-lithuania-2024-2">warning Russia may attack another member in Europe</a> if it's not defeated in Ukraine.Members are ramping up defense spending and making more defense agreements with each other, with the ones closest to Russia <a target="_blank" class="" href="https://www.businessinsider.com/image-planned-7-layer-defensive-border-between-nato-and-russia-2024-5">boosting their border defenses</a>.Clarke explained that "as this crisis goes on, the prospect of a general war against NATO becomes more real. That's not to say that that's very likely, but it's at least a bit more likely than it was two years ago."<div type="image" title="NATO member country leaders sit under the alliance's sign" height="1333" width="2000" msid="112165373" hostid="261" sizebytes="157414"></div>Russia's air force would likely lose in a direct engagement with NATO air forces, multiple experts have told BI, as <a target="_blank" class="" href="https://www.businessinsider.com/putin-doesnt-want-nato-war-russia-would-lose-quickly-uk-2024-2">NATO's combined airpower is much larger</a> and more advanced. But Baum and other air warfare experts have warned <a target="_blank" href="https://www.businessinsider.com/ukraine-war-teaching-nato-air-forces-lessons-fighting-russia-2024-7">Russia's air force should not be underestimated and cautioned that NATO should be ready</a>.Russia's air force is weaker than NATO's airpower, <a target="_blank" class="" href="https://www.businessinsider.com/ukraine-war-teaching-nato-air-forces-lessons-fighting-russia-2024-7">but Russia's war in Ukraine shows it can still cause a lot of damage</a>. It adapts in devastating ways, as it has demonstrated with the guided glide bomb operations against Ukraine.Peter Layton, a fellow at the Griffith Asia Institute and a former Royal Australian Air Force officer, said that Russia may very well have a future NATO conflict in mind as it makes decisions today. For instance, Russia may believe that in a war with NATO, its air forces can "survive long enough to counter some NATO air raids and help defend Russian ground forces for a short time." Such a plan would require not squandering assets in Ukraine. And Layton wasn't the only expert to share in that assessment.Russian considerations may, in turn, be shaping current combat conditions in the war in Ukraine. "NATO's power in the air is inhibiting the Russians from committing all of their air power, or more of it, to Ukraine," Clarke said.He said Russia wants to keep its air force looking strong as a weaker Russian air force would "weaken Putin's political hand in anything he then tries to do in relation to NATO politics." And, in a future conflict, Russia would want its air force to be powerful.<h2 id="de24f675-77f8-4c4c-b4ea-0fd6db76993d">Ukraine is still downing Russian jets</h2>The Ukrainian armed forces have a significantly smaller and older air force than Russia does. Its few jets are all Soviet-era, but Russia has one of the world's biggest air forces with many more modern combat aircraft.But neither side has been particularly successful at changing the war from the air considering the threat posed to aircraft by the proliferation of ground-based air-defense systems.<div type="image" title="Ukrainian President Volodymyr Zelenskyy standing in front of a Patriot anti-aircraft missile system during his visit to a military training area in Germany on June 11, 2024." height="720" width="1024" msid="112165375" hostid="261" sizebytes="26608"></div>Air warfare experts previously told BI that <a target="_blank" class="" href="https://www.businessinsider.com/russia-air-force-enter-devastate-ukraine-if-missiles-run-out-2024-2">Ukraine's achievements here are remarkable</a> and ones that may have stopped the war from quickly ending in a Russian victory.Russia's losses are much higher than Ukraine's, though it has more to lose. According to an update from open-source intelligence site Oryx in February, Ukraine has lost at least 135 fixed and rotary-wing aircraft while <a target="_blank" href="https://www.businessinsider.com/ukraine-war-teaching-nato-air-forces-lessons-fighting-russia-2024-7">Russia has lost nearly double that figure</a>.Ukraine has claimed some big kill streaks shooting down Russian aircraft, including <a target="_blank" class="" href="https://www.businessinsider.com/ukraine-war-army-destroyed-10th-russian-plane-days-2024-2">downing 10 jets in 10 days</a> in February. Russia's air force often <a target="_blank" class="" href="https://www.businessinsider.com/russia-air-force-flights-ukraine-kill-streak-fighter-jets-isw-2024-3">appears to back off after such victories</a>.Beyond fighter jets and fighter-bombers, Ukrainian forces have also downed some high-value Russian aircraft. This <a target="_blank" class="" href="https://www.businessinsider.com/ukraine-uses-patriot-missiles-down-russian-a50-spy-plane-us-2024-6">includes an A-50 command and control aircraft</a> in January. The Russians only have a few of these planes available.This prolific threat to anything flying would potentially put Russia's advanced Su-57s at risk were they to fly combat missions over Ukraine. But avoiding the fight has not completely shielded the small Su-57 fleet. Ukraine <a target="_blank" class="" href="https://www.businessinsider.com/russia-feared-losing-su-57-combat-ukraine-hit-one-anyway-2024-6">managed to damage one in a long-range strike</a> on an air base hundreds of miles inside Russian territory.Holding its airpower back has largely protected the force, though. Layton said Russia has kept many of aircraft out of Ukrainian airspace since "at least after the first few months." Russia's air force has suffered high attrition rates from Ukraine's ground-based air defenses when operating in the country.<div type="image" title="A Russian Sukhoi Su-34 shot down by Ukrainian anti-aircraft guns" height="683" width="1024" msid="112165380" hostid="261" sizebytes="99858"></div>Russian combat aircraft tend to use weapons that let them "generally stay safely inside Russian airspace while firing into Ukraine." Russia notably saw big aircraft losses in February when more of its jets came close to the front lines to support land forces by launching glide bombs, Layton noted.He said that Russia "has a lot of trouble replacing lost advanced aircraft," only making a few a year. And sanctions from many countries against Russia for its invasion could make things more difficult, he said.Clarke said that Russia could use its strategic bombers more effectively if they flew over Ukrainian territory, but "they've only got a certain number of strategic bombers, and if they lose eight or 10 of them, then that will put quite a hole in the force."He said the environment in Ukraine is too "risky" for Russia's air force, especially if it wants to maintain its force for a future fight.<h2 id="a0c3531d-d04a-48ed-a956-2470e68e6e89">Russia's comfortable losing what it's losing now</h2>Curtis said Russia is using its most advanced assets in ways that keep them "completely safe," like launching long-range attacks from inside Russia. There's "effectively no risk," he said.And Layton said Russia may be motivated by its own weapons industry, which has ramped up but still faces challenges. "Any losses impact possible future export sales as Russian aircraft now appear less capable," he said. Some experts have suggested this as a possible reason for keeping the Su-57 out of the fight, especially given Russia's significant activity in foreign arms sales.<div type="image" title="Four Sukhoi Su-57 fighter jets in the air against a grey sky." height="1334" width="2000" msid="112165376" hostid="261" sizebytes="33020"></div>George Barros, a Russia analyst at the US-based Institute for the Study of War think tank that has been closely tracking the war, said Russia only has a small number of many of its most advanced aircraft, which means they wouldn't make a big difference if Russia was taking on NATO's air forces, though Russia has other capable platforms to supplement.He said that Russia has a propaganda reason for keeping them intact before any future conflict, one that even outweighs the effect they could have in Ukraine.On the Su-57, he said, "if the Russians were to lose it, it would be just such an international embarrassment."Experts <a target="_blank" class="" href="https://www.businessinsider.com/fifth-generation-jets-made-ukraine-war-russia-su-57-missing-2023-10">previously told Business Insider's Jake Epstein</a> that the absence of the Su-57 suggests Russia may not be confident in the jet and likely wants to avoid any potential reputational damage that would come if any were shot down.Gustav Gressel, a Russian defense policy expert at the European Council on Foreign Relations, said Russia has "very few" Su-57s, and "they are expensive to operate." Other jets can do the same jobs needed in Ukraine, he said, "and it would be less embarrassing if they would be shot down." Russia is <a target="_blank" class="" href="https://rusi.org/explore-our-research/publications/commentary/damaged-su-57-emphasises-vulnerability-russian-airbases-near-ukraine">understood</a> to have only around 20 Su-57s in service.Tim Robinson, a military aviation specialist at the UK's Royal Aeronautical Society, said that Russia's Su-57s "are the high-quality assets, high expensive assets, stealth fighters, and they don't want to lose them."Experts have also pointed to Russian fears that if its most advanced jets were shot down over Ukraine-held territory, it would expose their most advanced technology and could be a windfall for Ukraine's Western partners.Robinson said that if any Su-57s are shot down over Ukrainian-held territory, Western intelligence experts would get" to crawl all over it and find out its secret."<div type="image" title="Ukrainian President Volodymyr Zelenskyy looks up while sitting in an F-16 fighter jet" height="5125" width="7687" msid="112165382" hostid="261" sizebytes="3152126"></div>Baum said Russia's decisions on what goes into Ukraine and what doesn't may be "calculated." They may have decided "that they don't need to roll out their more sophisticated weapons yet or ramp up their sortie rate yet," he explained.Curtis said that Russia is "happy to lose what it's using in Ukraine. And in most instances, I'm afraid, that's people." Russia has been known for treating its soldiers as disposable, including by using <a target="_blank" class="" href="https://www.businessinsider.com/russia-losing-1000-soldiers-a-day-against-ukraine-report-war-2024-6">what are described as "meat grinder" tactics,</a> such as high-cost "human wave" assaults.He said that for now, Russia can afford to keep its most advanced assets out of Ukraine as its strategy for victory isn't by total military triumph. Instead, he said, Russia aims to grind down Western appetite for helping Ukraine and exhaust Ukraine's support.He said Russia is "not really going to be too fussed about how modern and how useful the capability" it gives its soldiers is.Defense reporter Jake Epstein contributed to this reporting.

With a NATO war and Ukraine's knack for shooting down planes in mind, Russia is holding back its airpower and most advanced jets

Russia's showing NATO its hand in the air war over Ukraine

<ul class="summary-list"><li>Memoirs and biographies are growing in popularity — now people want to write their own.</li><li>Companies like The Family Film and Storyworth are capitalizing on this trend.</li></ul>Nick Baum credits his 82-year-old father with inspiring him to start <a href="https://welcome.storyworth.com/">Storyworth</a>, a do-it-yourself-memoir company, 10 years ago."I didn't have any kids yet, but I had the sense that even if I did, he might not be around to see them and get to know them," Baum told Insider.To remedy that issue, he started emailing his father once every week, each message containing a single question intended to prompt some details about his life.<div type="image" title="Nick Baum" height="976" width="1302" msid="96916995" hostid="261" sizebytes="38434"></div>"There were mundane questions like, 'What were your favorite toys growing up?'" Baum said, "that gave a lot of texture." After realizing others might be interested in a similar service, he left his job as a product manager at Google to offer it commercially. According to data supplied to Insider by the <a href="https://wordsrated.com/">literature-research firm WordsRated</a>, memoir and biography was the best-selling hard-copy category on Amazon in 2020, and almost 50% of nonfiction books on the New York Times bestseller list are biographies or memoirs. Data from NPD BookScan, which tracks retail print-book sales, showed memoir sales peaking at 28 million in America in 2020, a rise of more than 24% year over year.It's no wonder, then, that entrepreneurs think there's huge potential in helping folks create their own autobiographies. Baum said what makes Storyworth appealing was its streamlined do-it-yourself approach, which keeps costs to a minimum: Customers pay $100 for a year of weekly questions, plus a keepsake book compiling the respondent's answers."Until now, people were recording their stories two ways — either you were very wealthy and hired someone to be your biographer, or you were very motivated and spent time writing it up all by hand," he said. "We take something that's either expensive or dauntingly time-consuming and make it very manageable."His typical customer, he said, is a woman between the ages of 35 and 55 who gifts book to a relative.<div type="image" title="Andrew Gemmell" height="3000" width="3999" msid="96916997" hostid="261" sizebytes="220000"></div>Andrew Gemmell, the founder of <a href="https://www.thefamilyfilm.co.uk/" target="_blank" rel="noopener">The Family Film</a>, charges about $50,000 for an in-depth, professional-caliber film that combines archival footage and photos with hours of specially recorded interviews, whether taped remotely or in person. Gemmell is well versed in handling the tricky temperaments and revelations that such interviews might unearth — he was hired to photograph Elton John's bachelor party and the weddings of both Princess Eugenie and her sister, Beatrice.<div type="image" title="Film screenshot" height="859" width="1914" msid="96917000" hostid="261" sizebytes="70624"></div>His idea was, like Baum's, inspired by his father, who drowned in an accident when Gemmell was 18. Gemmell started filming relatives telling stories about his dad to better remember and understand him."In a world where we're constantly creating digital waste, when our phone dies, so does what's on them," he said. "So we're curating for those who don't have the time and effort."Rutger Bruining's company, <a href="https://storyterrace.com/">StoryTerrace</a>, in London and Los Angeles, started out as just another writer-for-hire platform. Today, it still offers that service, with more than 650 writers worldwide on its roster and clients paying up to $27,500 for a 60,000-word book based on 30 hours of interviews. Bruining's team even offers an option to promote a customer's self-published tome to try to score a spot on one or two bestseller lists.But he isn't relying solely on the ghostwriting model: Bruining just announced a partnership with the <a href="https://8i.com/">hologram-technology firm 8i</a>. For $5,000, customers receive a quartet of stories captured on video, which are then rendered into 3D so that descendants can immerse themselves in the moment with their ancestral storyteller using a virtual-reality headset.<div type="image" title="Rutger Bruining" height="721" width="960" msid="96917002" hostid="261" sizebytes="38218"></div>He sees this as an upsell that's likely to appeal to the top 20% of those hiring StoryTerrace for a conventional biography and has already trialed the project with the LA handbag designer Jerry Terrence, an existing client."Lots of people have home videos," he said. ''So you can either make a very beautiful, very expensive documentary or create something where an older person is talking for a long time, which isn't that enjoyable to watch. VR is more scalable, and the experience is much more immersive than a 2D film."His core customer for memoir writing is someone gifted the service for their 70th birthday or an anniversary."We have one guy from Switzerland who said, 'I'll do the book, but it's going to be in my safe until I'm dead.'"<div type="image" title="StoryTerrace" height="5461" width="7281" msid="96917005" hostid="261" sizebytes="727570"></div><a href="https://benyagoda.com/about/">Ben Yagoda</a>, the author of "Memoir: A History," told Insider the surge in interest in memoirs had been powered mostly by the broadening of subjects who write these types of books."At one point, autobiography was only the province of statesmen, movie stars, and eminent authors, but in the late 20th century, it became the province of regular people," Yagoda said.Social media, podcasts, and self-publishing platforms have also created ways for people to share their stories with a wide audience.Baum added that distance — and the pandemic — had encouraged people to invest in memorializing themselves and others."People live further apart now, when there used to be three generations under one roof who'd sit and tell stories at the dinner table," he said.Baum's father, who's still alive, still talking, and now has several grandchildren, just turned 92."I feel very lucky that my children have several hundred pages of stories from him," he said.

Entrepreneurs are charging up to $50,000 to preserve people's memories in books, films, and even holograms before they die as the personal-memoir business ramps up

<div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div><ul class="summary-list"><li>Proptech is in the big leagues now, with <a href="https://www.businessinsider.com/heres-the-latest-wework-news-2019-6?utm_source=markets&amp;utm_medium=ingest&amp;r=US&amp;IR=T?utm_source=markets&amp;utm_medium=ingest">a front-page meltdown involving one of the biggest proptech-adjacent companies</a>, <a href="https://www.businessinsider.com/vcs-invested-record-246-billion-in-proptech-q3-of-2019-2019-10">record-level investments in proptech companies</a>, and increasing <a href="https://www.businessinsider.com/cretech-2019-more-suits-more-money-more-attendees-than-ever-2019-10"> attention from institutional investors and landlords</a>.</li><li>Some define the word conservatively: proptech is the application of digital and software tools to real estate, in the same way fintech is to finance. To others, the term encompasses a new mode of thinking about real estate that's a reaction to the demands of tech-enabled consumers.</li><li><a href="https://www.businessinsider.com/proptech-vc-metaprop-unveils-their-newest-accelerator-cohort-2019-9">MetaProp</a> co-founders Aaron Block and Zach Aarons's 2019 book PropTech 101 devoted an 18-page chapter to defining proptech and discussing how to categorize startups in the field.</li><li><a href="https://www.businessinsider.com/prime">Visit BI Prime for more stories.</a></li></ul>Proptech is in the big leagues now: with <a href="https://www.businessinsider.com/heres-the-latest-wework-news-2019-6?utm_source=markets&amp;utm_medium=ingest&amp;r=US&amp;IR=T?utm_source=markets&amp;utm_medium=ingest">a front-page scandal involving one of the biggest proptech-adjacent companies</a>, <a href="https://www.businessinsider.com/vcs-invested-record-246-billion-in-proptech-q3-of-2019-2019-10">record investments in proptech startups,</a> and <a href="https://www.businessinsider.com/cretech-2019-more-suits-more-money-more-attendees-than-ever-2019-10">growing attention from institutional investors and landlords</a>. But what exactly does the term "proptech" mean? Some define it conservatively: proptech is the application of digital and software tools to the problems of real estate, in the same way fintech is to finance.To others, the term encompasses a new mode of thinking about real estate that's a reaction to the demands of tech-enabled consumers. In other words, it's what's happened as operators, owners, and tenants adapt to the effects that tech has had on the rest of the economy.<a href="https://www.businessinsider.com/proptech-vc-metaprop-unveils-their-newest-accelerator-cohort-2019-9">MetaProp</a> co-founders Aaron Block and Zach Aarons's 2019 book PropTech 101 devotes an 18-page chapter to defining proptech and discussing how to categorize startups in the field. They've created a framework to classify and understand the space, but they're also not sticklers for hard definitions. <h2>Competing Definitions</h2>While proptech is probably the buzziest word for the industry, other terms like real estate tech, RE tech, CRE tech, and built world tech are also in use.Block and Aarons began to use the term in 2016, a gesture they made to proptech's international community after they heard the term used in Europe. While proptech is probably the leading term to describe this change, Business Insider and many others use it interchangeably with its synonyms. They offer their "short" definition of the term: This definition is clear and grounded, but they then complicate it by comparing to the definition of James Dearsley, cofounder of proptech research firm Unissu:This definition acknowledges the shift within real estate as part of a "wider digital transformation," what Block and Aarons call the fourth industrial revolution. It emphasizes that this process is as much about a change in mentality as it is about a change in the way real estate is done. In this framing, Block and Aarons say that proptech is a catalyst towards increased wealth in real estate, the largest asset class in the world. <h2>The challenge of classification</h2>Block and Aarons emphasize the importance of classification at the outset of the chapter, especially in a space where categories can overlap and change can come rapidly. Given these conditions, with <a href="https://www.businessinsider.com/vcs-invested-record-246-billion-in-proptech-q3-of-2019-2019-10">investment growing exponentially</a> and no real centralized bodies to dictate the terms, classifications vary wildly. "There are now nearly as many taxonomies for real estate technology as there are analysts tracking the space," they wrote. They delve into one taxonomy by Andrew Baum, a professor who studies real estate technology. Baums sees proptech and fintech as the two circles in a venn diagram, with real-estate focused fintech as the overlap (<a href="https://www.businessinsider.com/commercial-real-estate-platform-for-non-accredited-investors-raises-seed-funding-2019-10">think marketplaces for real estate securities</a> or <a href="https://www.businessinsider.com/divvy-a-rent-to-own-startup-raised-43-million-from-lennar-gic-2019-9">new residential homeowning models</a>).Within proptech, there are two other subcategories. One, smart real estate, centers around the <a href="https://www.businessinsider.com/google-nest-launches-first-pilot-greystar-multifamily-rental-apartment-denver-2019-10">internet-of-things and other smart sensor technologies</a>. The other, shared economy, has a small overlap with fintech, and contains everything from <a href="https://markets.businessinsider.com/news/stocks/wework-employees-startup-rise-fall-new-yorker-2019-11-1028672772">WeWork</a> to <a href="https://www.businessinsider.com/uk-coliving-company-the-collective-expands-to-the-us-2019-10">coliving</a>.And MetaProp's own taxonomy relies on four variables: technology, asset type, geography, and its place on the real estate value chain. Technology is a simple variable, but as most companies utilize some, or all categories of tech, it is less useful than some of the others. They separate technology into software, basically any sort of software as a service; hardware, any physical components or the Internet of Things; and tech-enabled services, or new business models enabled by tech.WeWork has utilized all three of these categories with their own internal tenant applications, usage of sensors to design and run their space, and their business model of lease arbitrage. The next variable, asset type, also contains some overlap. The asset types: multifamily, office, residential, industrial, retail, and hospitality are self-explanatory. However, tech that is helpful in one may be helpful in some, or all, of the other asset classes. This variable defines the "depth and state of the market" for a potential product. Another variable is geography, especially important in the hyper-local world of real estate. Some products will only work in specific areas, whether as a result of local industry, socioeconomic makeup, or legal regulation. This variable is extremely important, but also self-explanatory.Block and Aarons describe the final variable, the real estate value chain, as "the most important, useful, and unique way in which we categorize PropTech."The idea is to break real estate into its constituent parts, "from dirt to disposition." This steps, from financing to actual building, can be broken down into an infinite number of buckets, though MetaPop has chosen eight: analysis and financing, space ID and listing, site selection and negotiation, diligence, development and construction, process automation, space usage and management, and payment and services. This variable is especially important because it emphasizes a startup's function and usefulness to the real estate industry. It also makes it much simpler to see how startups intersect, and could complement each other. They see these categories as both extremely fluid and easy for building owners and operators to adapt as it fits the way they typically view their own business. One area of interest, construction tech or "contech," shows how this could evolve. What Block and Aarons now consider a part of proptech, under the development and construction bucket, has the opportunity to become a huge industry, potentially even splitting off from proptech. This is all to emphasize that its is important to categorize and define proptech, but that its borders will always change. "PropTech is too dynamic to be framed in steel," they write. "Attempting to lock down categories as the space evolves, we think, would be a mistake. Much better to let the market decide the boundaries and to alter them when innovation or the forces of supply and demand warrant."

Proptech is getting a ton of attention, but its exact definition is hard to pin down. Co-founders of a big VC in the space spent 18 pages of their book trying to explain it.

<div class="KonaFilter image-container display-table"><div><div class="image on-image">Business InsiderJPMorgan CEO Jamie Dimon has a new crop of managing directors today.</div></div></div><ul><li>JPMorgan's new list of managing directors includes a record share of women this year.</li><li>Business Insider has a full list of the names.</li></ul>JPMorgan's corporate and investment bank, the world's largest, just promoted its latest class of managing directors, and the group of 117 includes a record share of women, according to a person with knowledge of the list. A full 26% of the class was women, or 30 executives, the person said. Interestingly, that's the <a href="https://www.businessinsider.com/goldman-sachs-new-partner-class-list-2018-2018-11">same percentage</a> as the latest partner class at Goldman Sachs, one of JPMorgan's closest competitors. JPMorgan announced the promotions this morning on an internal web page. For JPMorgan, North America accounts for the largest share of the promotions, with 46% of the class based there, the person said. Another 31% is based in Europe, the Middle East and Africa, with 18% in Asia Pacific and 5% in Latin America. By business line, investment and corporate banking made up a plurality, with 36%. Another 20% work in trading, with 17% coming from sales and 13% from digital and platform services, the person said. Treasury and security services accounted for 8%, with 5% from research. "Achieving the MD distinction does not come easily, but is earned through dedication to clients and colleagues, hard work and a commitment to our shared culture," Daniel Pinto and the corporate and investment bank management team said in the message. "We expect these newest senior leaders to continue to help us drive innovation and disrupt the status quo as we build our business of tomorrow."Business Insider got its hands on the full list. Here are all the names: Global corporate and investment banking:<ul><li>Andrew Verdasca</li><li>Ashish Agrawal</li><li>Brendin Cave</li><li>Brian Pehoski</li><li>Chris Dieck</li><li>Christian O'Donnell</li><li>Claire McDonough</li><li>Crystal Zhu</li><li>Dan Darley</li><li>David Peoples</li><li>Eugene Sohn</li><li>Francesco Magri</li><li>Fraser Dixon</li><li>Isik Guven Toktamis</li><li>James Robinson</li><li>Jason Spindel</li><li>Jennifer Dooly</li><li>John Collmer</li><li>John Herrold</li><li>John Whittaker</li><li>Justin Nance</li><li>Kristina Nilsson</li><li>Matt Egan</li><li>Matt Seiter</li><li>Michiaki Maebori</li><li>Nelson Ocampo</li><li>Nitin Maheshwari</li><li>Olivier Simon</li><li>Peter Hujoel</li><li>Riccardo Penati</li><li>Ryan Griswold</li><li>Sanchit Suri</li><li>Silvia Viviano</li><li>Steve Jia</li><li>Tim Carpenter</li><li>Virginie de Grivel Nigam</li><li>Vlad Ivanov</li><li>Winnie Ng</li><li>Yoni Hornik</li><li>Young-Ki Kim</li><li>Annemarie Milton</li><li>Rohit Khatri</li><li>Ryan Thompson</li></ul>Markets:<ul><li>Angela Hurtado</li><li>Brian Fitzpatrick</li><li>Jake Pashelinsky</li><li>Lawrence Lau</li><li>Minal Lavingia</li><li>Mintaek Kim</li><li>Nok To</li><li>Siddharth Jhunjhunwala</li><li>Billy Wong</li><li>Brett Nunziata</li><li>Christine Ferris</li><li>Deji Davies</li><li>Doug Hartman</li><li>Jeremy Hellinger</li><li>Marc Simpson</li><li>Sean Griffin</li><li>Steve Ignelzi</li><li>Desmond Lau</li><li>Gaurav Jain</li><li>Jeff Davidovitch</li><li>Omar Bennani</li><li>Spyros Kallipolitis</li><li>Emma Richardson</li></ul>Sales &amp; Marketing:<ul><li>Amy Tan</li><li>Charlie Remnant</li><li>Dan Chapman</li><li>Daryl Harding</li><li>David Levi</li><li>David Nahmanovici</li><li>Dhaval Shah</li><li>Ed Franklin</li><li>Eileen Herlihy</li><li>Eric Greiner</li><li>Hannah Baum</li><li>James Kibble</li><li>Joe Paccione</li><li>Kash Malik</li><li>Lucianna Lorenzo</li><li>Nkonye Soetan</li><li>Patrik Johansson</li><li>Richard Hyman</li><li>Serene Chen</li><li>Shmuel Sorkin</li></ul>Wholesale payments and security services:<ul><li>Caroline Butler</li><li>Emma Bussey</li><li>Gavin Tobin</li><li>Mali Bartlett</li><li>Suryanshu Mishra</li><li>Maya El Omeiri</li><li>Renata Vilanova Lobo</li><li>Sairam Rangachari</li><li>Sara Castelhano</li></ul>Digital &amp; platform services:<ul><li>Balaji Krishnamurthy</li><li>Chris Summers</li><li>Dan Dalton</li><li>Fiona Barry</li><li>George Gaffin</li><li>Jeff DeMott</li><li>Joe Schafer</li><li>Lidia Mangu</li><li>Matt Winn</li><li>Michelle Conklin</li><li>Phillip Wu</li><li>Savio Saldanha</li><li>Simon Cox</li><li>Sven Morawitz</li><li>Thierry Foissac</li><li>Elena Zislin</li></ul> Research:<ul><li>Alex Yao</li><li>Amy Sze</li><li>Arun Jayaram</li><li>Daniel Lamy</li><li>Elodie Rall</li><li>Min Moon</li></ul> <div class="margin-top"> <h3>NOW WATCH: <a href="https://www.businessinsider.com/fall-into-black-hole-2016-11">Astronomers just captured the first image of a black hole. Here are the horrifying things that would happen if you fell into one.</a></h3> <div> </div> </div>

JPMorgan just promoted 117 people in its corporate and investment banking unit to managing director -&#160;and we got the full list

Earlier, today Pfizer confirmed that it was pursuing <a href="http://www.businessinsider.com/pfizer-astrazeneca-2014-4">a takeover of AstraZeneca</a> in a deal that could be valued at $100 billion.
Obviously a lot of drugs are in play in many categories that both Pfizer and AstraZeneca compete in.
Importantly, AstraZeneca would get Pfizer into some key markets - notably, oncology. Here's Citi's Andrew Baum in a note to clients this morning:
Transforming PFE into an oncology company. We gently probed Mikael Dolsten, PFE's head of R&amp;D at our Feb 2014 Citi Healthcare Conference on whether Pfizer had the ability to turn itself into an oncology company given several high profile historic mis-steps. He gave a wry smile and "that's a very good question". As we highlighted previously, the acquisition of AZN enables PFE to realistically transform itself into an oncology player by leveraging AZN's historic research and commercial expertise in this area. Critically it catapults PFE+AZN into a key player along the axes of immuno-oncology and auto-immune diseases, with a broad range of assets to both up-regulate and down-regulate the immune system, in our view...
In a <a href="http://www.pfizer.com/investors/presentations">presentation to investors this morning</a>, Pfizer offered a couple slides showing what a Pfizer-AstraZeneca combination could look like. Here are a few bullets:
<ul>
<li>Complementary strategic fit across multiple key therapeutic areas with enhanced global offerings</li>
<li>Steady stream of potential new product launches anticipated over coming years</li>
<li>Increased scale and portfolio breadth of combined Established business to maximize potential of portfolios</li>
</ul>
Here are three slides showing how the two companies' established and pipeline drugs would complement each other. Odds are, you're on one or you know someone on one.
<div class="KonaFilter image-container"><div class="image">Pfizer</div></div><div class="KonaFilter image-container"><div class="image">Pfizer</div></div>
<div class="KonaFilter image-container"><div class="image">Pfizer</div></div>

Here Are All The Drugs That Would Be In Play In A Pfizer-AstraZeneca Mega Merger

<div class="KonaFilter image-container display-table click-to-enlarge"><div><div class="image on-image"><a title_source="James Jean/Vertigo" title_caption="From the cover of " Fables="" which="" features="" Snow="" White.="" class="zoomin" href="https://static-ssl.businessinsider.com/image/55aee9462acae74c2f8b63f5-960/fables-33.jpg"></a>James Jean/VertigoFrom the cover of "Fables" #33 which features Snow White.</div></div></div>"Fables" is a comic book that crept up on me, one that I didn't know I loved until it was too late and I was 60 issues in and the story broke my heart. Years ago, someone handed me a copy of the first volume, subtitled "<a href="http://www.amazon.com/Fables-Legends-Exile-Vol-1/dp/140123755X">Legends in Exile</a>," and insisted that I read it. It's hard not to read "Fables" once it's in front of you - the series is about characters from fairy tales of yore secretly living among us, and the volume that introduces them is a murder mystery where the Big Bad Wolf has reformed, taken human shape, and is a detective investigating the violent death of Snow White's sister Rose Red. That's a pretty good hook. Then you meet the rest of the fairy tale characters, and see how they live once happily ever after is over and done with, and it's fascinating. Prince Charming is an unrepentant womanizer, Cinderella pretends to be an airheaded narcissist but is secretly a deadly superspy, and Goldilocks is straight-up homicidal - the list goes on.There's also Boy Blue, Flycatcher the Prince who was once a frog, and a little girl named Therese but you need to read their stories yourself. Those are the ones that broke my heart, and would probably do the same to yours, too.The series was not so much a reinvention of these characters as it was a close read of them, positing the petty rivalries and implied dysfunctions that would be brought to the surface if they all knew each other and were exiled from their magical homelands to our mundane world. That's what they call us, by the way. "Mundies." It's short for "mundane," which I suppose is accurate. Created by writer Bill Willingham and artist Lan Medina (who left the series after its first story arc - Mark Buckingham would do the art on the next arc and then go on to become synonymous with the series and Willingham's storytelling partner), "Fables" kicked off in the summer of 2002, and told the story of Fabletown, the invisible neighborhood in the center of Manhattan where fairy tale characters lived among us after a villain known as "The Adversary" exiled them from their homelands. Part of what made "Fables" interesting was that it pulled its characters from far and wide - the old stalwarts from "Grimm's Fairy Tales" got plenty of play, but the Willingham and co. also looked to nursery rhymes and folk tales from all over the world - everything from "The Thousand and One Nights" to L. Frank Baum's "Oz" books was fair game. "Fables" would go on to win 14 Eisner awards (that's the comic book equivalent of the Oscars) over the next 13 years, garnering praise and acclaim for just about every aspect of the craft. A lot of those awards were for cover artist James Jean, whose stunning portraits were the first thing many readers saw for the first 81 issues of the series. They're simply beautiful pieces of fine art. <div class="KonaFilter image-container display-table click-to-enlarge"><div><div class="image on-image"><a title_source="James Jean/Vertigo" title_caption="Cover art to " Fables="" class="zoomin" href="https://static-ssl.businessinsider.com/image/55aeb6042acae7f4028b8a26-960/fables 21 cover.jpg"></a>James Jean/VertigoCover art to "Fables" #21.</div></div></div><div class="KonaFilter image-container display-table click-to-enlarge"><div><div class="image on-image"><a title_source="James Jean/Vertigo" title_caption="The cover of " Fables="" class="zoomin" href="https://static-ssl.businessinsider.com/image/55aee574371d2212008b86d3-960/fables-69.jpg"></a>James Jean/VertigoThe cover of "Fables" 69.</div></div></div>This week, it's all coming to an end. On Wednesday, July 22, "Fables" will take a bow with its 150th issue, which is a full-sized, 178-page graphic novel (that doubles as the series 22nd volume). Titled "Farewell", the graphic novel will wrap up the story Willingham and Buckingham have been telling alongside a deep roster of other talented creators like Steve Leialoha and Andrew Pepoy for over a decade. Few comic book series last very long. In superhero comics, this is a supply-and-demand thing: The two most prominent superhero publishers, Marvel and DC, have roughly 50-something monthly titles each, and at about four dollars an issue, not everything can be a huge success. Books are canceled all the time, usually within a year, in order to make room for something else. <div class="KonaFilter image-container display-table"><div><div class="image on-image">James Jean/VertigoCover art to "Fables" #63.</div></div></div>For a series like "Fables" - one controlled wholly by its creators - the book will last as long as the people making it want to keep telling stories. This can mean anything from three issues to 60 (a few months or five years). Rare is the series that makes it to 100 issues, and rarer still are the ones that surpass it by a large margin. I'll miss "Fables", not because I had any particularly strong attachment to the characters it culled from songs older than anyone I'll ever meet and stories first told by people we no longer remember, but because it understood why those characters mattered.Because we've always been telling stories, and we always will. Because stories are the one real form of magic we have - where we all dream of a Happily Ever After although the only thing we're really promised is a Once Upon a Time. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/dragonball-z-resurrection-f-trailer-2015-6">I've never watched anime before - but this new 'Dragonball Z' movie looks like a blast</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="Z4OHF3dToI9Ky2gxaK57stT3sG0kTPAq" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

After more than a decade, one of the best comic series which showed why adults should care about fairy tales is coming to an end

<div class="KonaFilter image-container display-table"><div><div class="image"><a href="http://vimeo.com/80165968">Skyler Tibbits</a></div></div></div>Citi is out with its list of disruptive technologies for 2014.
It's a brand new list <a href="http://www.businessinsider.com/citi-disruptive-innovation-2013-5">from the one did they did last year</a>.
And it's really good. Check it out:
<h2>4-D Printing</h2>
Description: The movement is spearheaded by a guy named Skyler Tibbits, <a href="http://www.sjet.us/">a researcher in MIT's architecture department</a>. The idea is this: You used 3-D printers to print out smart materials that can shape or assemble themselves. The concept is still in its infancy, but Citi says this could help individuals build stuff in extreme conditions, or allow medical devices to construct themselves once they're implanted.
"Utilizing a 3D printer to build the object layer by layer, intelligence can be imprinted directly into the actual structure [via more rigid or flexible materials] dictating the transformation and the eventual shape of the object."
Insane stat: The US Army recently contributed $855K, split between Harvard, University of Illinois and University of Pittsburgh to help advance projects focused on 4D printing.
Relevant graphic: Watch THIS! 

<a href="http://vimeo.com/80165968">4D Printing: Truncated Octahedron</a> from <a href="http://vimeo.com/user1791262">Skylar Tibbits</a> on <a href="https://vimeo.com">Vimeo</a>.
<h2>Digital banking</h2>
Description: Citi says that, though it remains at an early stage, mobile banking is going to take off around the world. They forecast an 86% compound annual growth rate to $447 billion from $69 billion in 2016. Although the largest volumes will be in developed markets, the greatest opportunities for new entrants lie in emerging markets thanks to the relative lack of established financial institutions. 
Meanwhile, more and more banking services will become automated, resulting in savings costs. 
Insane stat: Norway, Finland and Sweden operate at branch per population densities 2x or more below developed market peers.
Relevant graphic: Cash intensity by country
 <div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div> 
<h2>Digital Currency</h2>
Has Bitcoin finally made it? Citi's Steven Englander, who's written about the cryptocurrency in the past, gives a basic introduction and talks up the potential of the block chain (both Bitcoin's and the concept in general). He poses the technology's potential thusly: "Bitcoin advocates who benefit from Bitcoin appreciation argue strongly for its role as an asset, but the transactions technology is generic and efficient and less complicated than introducing an intermediate currency (Bitcoin) to facilitate USD to USD or USD to EUR transactions."
Insane stat: As of April 2014, Bitcoinpulse counted 29,000 merchants accepting Bitcoin.
Relevant graphic: Price vs. transaction volume
<div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div> 
<h2>Digital Marketing</h2>
Description: There's nothing new here per se but Citi says growth will start accelerating. The main outcome of this will be more user data. "...The digital market uses and generates massive amounts of data and it is this data that differentiates digital marketing from traditional offline marketing. The result is a highly personalized experience for a consumer across all channels in an experience that the prospective or current customer appreciates and they in turn encourage through greater access to their personal data."
Insane stat: Real-time-bidding-based digital ad spending will see a 66% compound annual growth rate into 2016. (Real-time bidding means the ad buying and placement process is automatic.)
Relevant graphic: the return to publishers from ads is not what it used to be
<div class="KonaFilter image-container"><div class="image">Citi</div></div>
<h2>Electric Vehicles</h2>
Description: Citi's interesting suggestion, from analyst Itay Michaeli, for wider market goes like this: "The consumer purchases a new EV at a much lower price ($11-13k depending on size/ cost) and does so worry free of any residual value risk tied to future battery technology advancements. The operator would own the batteries, bill customers and operate battery switching stations that allow consumers to quickly (and robotically) switch batteries when desired or when taking very long drives."
Insane stat: Tesla plans to offer a Gen-3 model priced at $35,000. "A $35k price point is historically what's required to begin the path towards achieving sizeable volume of over 100k units (typically 2-3 years after launch), in theory enough to crown Tesla as the 1st mover in the affordable pure EV market."
Relevant graphic: This cost comparison table
<div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div>
<h2>Energy Storage</h2>
Here is the clearest justification for energy storage we've yet seen, from Citi's Jason Channell: Solar generates its electricity when most households are empty, or have limited demand. Saving that electricity for later would dramatically offset consumption prices. He continues: "The potentially greater value is in terms of avoided capacity payments, and the grid stability which storage could provide. If storage could be combined with smart metering and demand response, we could conceivably move to a situation where load is managed (i.e., by dishwashers etc. being turned on automatically when demand was lowest and vice versa) and supply is being managed by storage. This could significantly reduce the amount of stranded capacity and hence wasted cost on an electricity system, as well as improve its reliability.
Insane stat: In the first quarter of 2014, solar and wind combined generated 28% of German electricity.
Relevant graphic: Here is the breakdown of the potential market size for different storage technologies
<div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div>
<h2>Immunotherapy</h2>
Immunotherapy involves training the immune system to both better recognize cancer cells, and attack them so that cancer becomes nothing more than a chronic condition. From Citi's Andrew Baum: "While existing chemotherapy or even newer oral drugs have a powerful initial effect on tumor shrinkage (the so called "response rate"), the durability of these responses are typically very short, after which the tumor begins to grow again and starts to spread (metastasize). In contrast, the durability of responses with immunotherapy can last a decade or longer, due to the induction of an ongoing immunological memory, targeting cancer cells for an indeterminate length of time and making it a potential tool to transform a significant percentage of cancers into something akin to a chronic disease."
Insane stat: Two-thirds of Western cancer incidence could be successfully treated with immunotherapy.
Relevant graphic: Here's how many more people immunotherapy will keep alive<div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div> 
<h2>Insurance Securitization</h2>
Description: Insurance securitization represents a threat to reinsurance, which is how insurers currently pool their own risk. Instead of having to dump all that risk into one or two firms, insurance securitization would allow an insurer to spread their risk across capital markets in the form of securitized bundles.
Insane stat: Reinsurers had to cut their prices 15% in response to securitizers.
Relevant graphic: Most insurance-linked securities are focus on property policies, like hurricane insurance. But some tried to get smart and sell life insurance policies into the capital markets. After the financial crisis, they wised up:
<div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div> 
<h2>Precision Agriculture</h2>
Description: Citi bundles a bunch of different technologies into this category. They include: yield mapping, soil sampling and mapping, hyper-local weather detectors, a farming machine Internet, and big data. "Unless there is a major divergence from historical trends, new land will not be nearly enough to meet [global food demand]. Farm productivity needs to take another step higher, and we think Precision Agriculture will be an important avenue to achieve these productivity gains."
Insane stat: The average age of a U.S. farmer is 57. 
Relevant graphic: Here's how much more food Citi says we're gonna need in coming decades
<div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div> 
<h2>Robots</h2>
Description: The world leader? China - thanks to "the up-trend of wages (albeit from relatively low levels), the peaking out of the working population, the high level of job-hopping and the general trend of Chinese workers not wanting low-paid manual assembly, picking, inspecting or packaging jobs in factories."
Insane stat: U.S. manufacturing comprises just 12% of GDP, meaning that in that sector at least, there may not be that many more replaceable workers.
Relevant graphic: The CAGR for global volumes is ~8.5%
<div class="KonaFilter image-container display-table"><div><div class="image">Citi</div></div></div>

You Searched For "Andrew Baum" and got 10 results

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JPMorgan just promoted 117 people in its corporate and investment banking unit to managing director - and we got the full list