These were my comments on another related post. Thanks to moderators, I've been allowed to post.
Just called AST about my BBBYQ shares. I have a physical statement from 9/20/23 stating my share count was and is 10,981. I have my account number on it. The AST barcode on it. It's legit lol. AST JUST told me there is no account with them that has ever had these shares in my name. He had me wait a few seconds and then informed me I'd need to call Bed, Bath & Beyond at 18008432446. I called and within 2 minutes I was speaking to someone. I informed her of what AST just told me. She put me on hold for less than a minute, came back with a smile that I could feel from the other side of the phone and she said "You'll need to call Headquarters. Here's the number 18019473100." This department opens in about 12 minutes. Calling them then. It's a part of Beyond and Overstock though???
Right before I got off the phone with her, she did leave me with "Enjoy!" Usually customer service reps leave you with "Is there anything else I can do for you today?" "Will that be all?". Idk. I got BUTTERFLIES in my stomach. Will update once I call HQ in 12 minutes.
On the phone now with COMPUTERSHARE. The new number I was given to call LOL. I have a sweet lady searching for me. She's saying she can't find anything, but she's just as intrigued as I am and WANTS to help me. Will update shortly!
Ok, not going to edit my original comment. I DO NOT have enough karma to post in this reddit. I'm still slightly new to Reddit, but I've got a fucking hard on for justice.
So my original comment here was about me calling AST to get my info on my shares. I was given multiple numbers by multiple different channels. AST>Bed Bath and Beyond Support number>Bed Bath and Beyond HQ Support Number>Computershare.
The lady at computershare was an absolute gem of a human and literally was just as weirded out by whatever she was seeing on her end. I barely had to ask anything. I informed her of basically the same thing as my original comment and she took the lead from there. Giving me theoretical situations, searching using my info, looking for just BBBYQ shares. Well, all in all, she didn't find anything in my name for those shares.
BUT THEN IT HAPPENED!!!!!!!
She said "Hold on, let me look into this."
I wait, fucking anxiously.
She comes back with "I see a corporate action here actually. I see shares purchased through 'Cost Plus'."
I said "Fucking what?!"
She said "Yea. So, if there is a change to this corporate action and they do let shareholders redeem shares... you'll definitely be receiving some notice sort of notice.....you know, if something changes" (I think she caught herself here)
I told her thank you and we hung up. I looked at my girlfriend so fucking confused. "A corporate action? 2012? WTF is going on?"
I went and searched for a corporate action with Bed Bath and Beyond back in 2012 and GUESS. FUCKING. WHAT?!!!! May 9th, 2012, "Bed Bath and Beyond Inc Reaches Agreement to Acquire Cost Plus Inc."
May 9th, 2024........... 'Run Lola Run' on Twitter was liked by Kitty and then this week followed.
Get off my dick, Hedgies! Pay me!

As LJR’s first class agent,we are ready to provide shoes with the most competitive price and best service.Besides,we also offer QY,OG,GX and other famous batches.
Since we r from China,we would like to provide other services like where to find shoes,latest stock updates and even shipping issues.
Please feel free to contact us.

Just a little info never get a buckle credit card ever! If you miss one payment by one day they shut your account right down for 15 days. then open it back up AND THEN THE NEXT ONE IS 30 DAYS THEY DON'T SEND REMINDERS OF PAYMENTS AND THEY SUCK WITH CUSTOMER SERVICE OVER THE PHONE NOBODY HELPS WHATSOEVER. INTEREST RATES ARE HIGH IT'S A SCAM IF I COULD GET RID OF THIS CARD WITHOUT HURTING MY CREDIT I WOULD.

Hi all, thanks in advance for any help!
May is my first month with a Glam Bag subscription. I put an order in with the shop on May 8th, but it still hasn’t shipped out? Tracking says label created but no movement on the Shop order. Glam Bag has shipped and has had some movement this week.
Is this normal? Am in Canada so not sure if that has any effect. Is customer service helpful if I reach out?
Thanks!

We're currently with AT&T. Spectrum gave us a really good deal, $40 monthly for 1 Gb internet and a phone line. We have 4 phones. Our phones (3 iPhone 15s and 1 15+) were all bought from AT&T last September.
Here are my questions
1: How's the coverage in Dallas Fort Worth, Texas, especially in the Arlington/Kennedale/Mansfield areas? Should I expect better than what I get with AT&T?
2: I'm not sure what to expect . I haven't called anyone yet or anything and my parents manage everything. They wanted me to look into this for them. Would we be able to port our numbers and keep our phones? If so, for how much monthly should I expect that to be?
3: How is customer service? When setting up internet at our business with Spectrum a few months ago it was really easy. Everyone was clearly understandable, it doesn't seem like they outsource their call centers. AT&T is really bad about this.
4: Is there anything else I should be asking that I haven't asked?
Thanks for the help.

Seeing a few Sunday Ticket posts starting to form, so here are some common questions, answered. If you have any other questions, please leave them as comments to this post.
What platforms is NFL Sunday Ticket available on? NFL Sunday Ticket is available either as an add-on to your YouTube TV Base Plan or as a standalone offering through YouTube Primetime Channels. You can watch NFL Sunday Ticket content on the YouTube or YouTube TV app regardless of which one you purchase through. Current pricing and promotional offers can be found here.
What if I'm not seeing the promotional rates that are advertised for Sunday Ticket? If you've had Sunday Ticket before, you are only eligible for the returning subscriber rate. If you aren't seeing any promotional offers for your account under Settings > Membership on a browser, then please reach out to support directly. https://support.google.com/youtubetv/gethelp
What exactly is included in NFL Sunday Ticket? NFL Sunday Ticket allows you to watch out-of-market Sunday afternoon games. Local channels like your local FOX, CBS, and NBC affiliates are not included in NFL Sunday Ticket, but are available with the YouTube TV Base Plan.
Are preseason games or postseason games included with NFL Sunday Ticket? No, only regular season, out-of-market games from FOX and CBS are included in Sunday Ticket. To watch preseason games, you'll need to check with your local team's broadcast schedule to see where the games are airing. A lot of times, they can be found on local channels or NFL Network, most of which are available on the YouTube TV Base Plan.
Postseason games are aired nationally, and most are available via the YouTube TV Base Plan as well. The exception are those that air exclusively on other streaming services.
What about exclusive streaming games, like those on ESPN+, Amazon Prime Video, or Peacock? These games require independent subscriptions, and are not included with NFL Sunday Ticket, or the YouTube TV Base Plan.
How many streams do I get with NFL Sunday Ticket? You'll get unlimited NFL Sunday Ticket streams at home and 2 additional streams for you and your household to use on the go. A few other callouts for YouTube TV:

• NFL Sunday Ticket streams are separate from your 3 Base Plan streams. Each add-on within YouTube TV has its own stream limits. You can check these out by going to your profile icon > Settings > Streaming Limits.
• Using the multiview feature only counts as 1 stream.
• If you buy the Sports Plus add-on, NFL RedZone will count towards your Sports Plus streaming limits.
• The 4K Plus add-on adds extra viewing options only for your YouTube TV Base Plan.
• DVRing doesn’t count towards your streaming limits unless you're watching the stream.

How can I get NFL RedZone? You can buy the NFL Sunday Ticket + NFL RedZone bundle as an add-on to your YouTube TV Base Plan or through YouTube Primetime Channels. You can also continue to buy the Sports Plus add-on which includes NFL RedZone.
Will you be offering a Student Plan? Yes! Student Plans are available for eligible students who sign up via YouTube Primetime Channels. With this, you can still view Sunday Ticket via the YouTube TV app, as long as you use the same account to purchase.
Will you be offering single team options? Currently there are no single team/individual game purchasing options.
Will multiview be available and will I be able to customize the streams? Multiview will be available and there will be an extensive assortment of multiview streams every Sunday for you to choose from.
For the most control, start playback for a game you want to watch in a multiview stream. Click down twice and choose "Multiview" below the playback bar. Then click on the game combination you'd like to watch, or customize your own layout by choosing from the streams available.
If you have a YouTube TV Base Plan, multiview combinations will also include local NFL games for you to watch side-by-side with your NFL Sunday Ticket games.
Is complete customization available with multiview, if I want to watch some football alongside other channels? In terms of customization, the short answer is no. The goal with multiview is to make it available to everyone with a television. Since most devices don’t have native multiview capabilities, YouTube TV does the processing of video feeds on the server end. This means that every unique combination watched in multiview uses limited data center and computational resources.
Because each region has unique, local content, YouTube TV is especially constrained on the number of combinations we can create that include local feeds. They try to select the best combinations based on expected popularity, and are always improving our processes.
Can I pay for NFL Sunday Ticket monthly? Yes; subscribers in most states can sign up for NFL Sunday Ticket via a monthly payment plan.
Can I DVR games? As a reminder, you can watch NFL Sunday Ticket content on the YouTube or YouTube TV app regardless of which one you purchased through. And when you sign in to YouTube TV app, you have the option to record games.
Can I share NFL Sunday Ticket with my family group? If the family manager purchases NFL Sunday Ticket, family members can also watch Sunday ticket content. You can find out more information about family group requirements here.
What devices is playback supported on? Users can watch NFL Sunday Ticket on web and mobile devices that support YouTube TV. NFL Sunday Ticket playback will also be supported on smart TVs (made in 2016 and later), select older devices, and most newer streaming devices.

Real-time kinematics (RTK) technology delivers precise location data by correcting GNSS signals in real time, essential for monitoring structural stability, railway alignment, dam integrity, and landslide risk. Custom software amplifies RTK capabilities by fine-tuning data processing, noise reduction, and presenting actionable insights for early issue detection. Integration with 3D area maps enriches SHM applications, offering a holistic view of structural conditions and enabling precise spatial analyses on the fly. Robust infrastructure is key for dependable SHM solutions, ensuring uninterrupted service and swift issue identification.

Hello, I have my 2021 model 3 with 99k miles getting its HV battery replaced next week. While not a concern right now, I am curious after reading several posts from others. The Tesla parts warranty states that it covers replacement batteries for another 50k miles BUT I have seen many uses on these forums stating that their second pack failed at ~160k miles and was not covered. Why does it seem like Tesla is ignoring warranties or were they just unaware of the parts warranty?
I am concerned because I have had my local service center refuse to acknowledge the 60k mile safety and restraint system warranty. I had a "safety and restraint system" failure at 55k miles that took 3 weeks of arguing on the Tesla app until they fixed it out of "goodwill" "because I'm such a good customer". They claimed this warranty does not exist...
https://www.tesla.com/support/vehicle-warranty#parts-body-paint

-no powers

• agent kara works at a secret service and lena works in operations or tech dept

-they sail to an island in kara's boat for a mission . (kara literally lives in that boat )
-they have sex in the boat and traumatised alex who is in the radio

I've been juggling multiple email accounts for a while now – work, personal, side projects, you name it. It got to the point where I was losing track of important emails and missing deadlines because I couldn't keep up. So, I went on a bit of a quest to find the best tool to manage all these accounts efficiently. Here’s a rundown of what I found, based on my experience and some deep dives into various tools:

1. Microsoft Outlook: This one’s a powerhouse. It can handle multiple accounts seamlessly, whether they’re Outlook, Gmail, Yahoo, or others. The focused inbox feature is a lifesaver, and the calendar integration is top-notch. Plus, the mobile app is pretty solid. However, it can be a bit overkill if you’re just managing personal emails.
   
2. Mozilla Thunderbird: For those who prefer open-source software, Thunderbird is a great option. It’s highly customizable with tons of add-ons and themes. It supports multiple accounts and can handle different email protocols like IMAP and POP3. The downside is that it can feel a bit clunky and outdated compared to more modern solutions.
   
3. Spark: This app has a sleek design and is incredibly user-friendly. One of its best features is the Smart Inbox, which categorizes your emails for you. It also supports multiple accounts and has excellent collaboration features if you need to share emails with a team. The downside is that it’s primarily designed for Apple devices (iOS and macOS), although they do have a web version now.
   
4. Mailbird: If you’re on Windows, Mailbird is a fantastic choice. It’s very modern and integrates well with a lot of third-party apps like Google Calendar, WhatsApp, and more. It supports multiple accounts and has some nifty productivity features like a unified inbox. However, it’s not free – there’s a one-time fee or a subscription model.
   
5. ProtonMail: If privacy is your top concern, ProtonMail is the way to go. It’s encrypted end-to-end and has a strong focus on security. It supports multiple accounts, but the free tier is quite limited in terms of storage and features. The interface is clean, but it might not have all the bells and whistles that some of the other options do.
   
6. eM Client: This one’s a bit of a hidden gem. It’s very user-friendly, supports multiple accounts, and has a built-in calendar, tasks, and chat. The free version supports two accounts, but you’ll need to upgrade for more. It also has a neat feature where it can translate emails.
   
7. Airmail: Another great option for Apple users. It’s very customizable and supports a wide range of email services. Airmail’s interface is clean and modern, and it integrates well with other macOS and iOS apps. However, it’s not free, and some users report occasional bugs.
   

So, after trying out all these, I settled on Spark for my personal use because of its smart features and clean interface. For work, I stick with Outlook because of its robust integration with other Microsoft services.
What tools to use for your business? • email warmup: warmup inbox •automate customer support: Algomo • landing pages: leadpages • Publishing: Wordpress • Social Media Marketing - AdEspresso

Alibaba: A Pitfall for New Dropshipping Entrepreneurs
While Alibaba is a massive platform, it can be a trap for new dropshipping entrepreneurs. Why?

1. Product Quality: Product quality on Alibaba varies greatly, from excellent to downright poor.

Do you want to risk your store's reputation on products with questionable quality?

1. Communication with Sellers: Language and time zone differences can make communicating with sellers a challenge, hindering your business and causing frustration.
   
2. Shipping and Delivery: Long shipping times and high shipping costs can impact your profits and slow down your store's growth.
   
3. Fraud Risks: Alibaba is not free from scammers who may deceive you and steal your money.**
   

Do you want to put your investment at risk?

1. Lack of Support: Alibaba doesn't offer the same level of customer support as other dropshipping platforms.

What if you encounter a problem and can't find help?
Don't let these factors discourage your dream!
There are better alternatives for sourcing dropshipping products, such as:
Western dropshipping platforms: They offer high-quality products and excellent support.
Local suppliers: They provide faster shipping and lower shipping costs.
Manufacturing your own products: You have complete control over quality and branding.
But what about an alternative to Alibaba?
Don't want to compete with Amazon?
Worry not!
Sarah, a successful dropshipping entrepreneur, has provided you with a perfect solution!
Watch her amazing YouTube video: https://youtu.be/MyOGqHJQRfk?si=D6oq44hI8k7UwUX7
you'll learn how to:
Find profitable products that match your target audience.
Identify reliable suppliers who offer high-quality products.
Create a successful dropshipping store that generates substantial profits.
Don't waste any more time!
Embark on your dropshipping success journey today!
Remember:
Careful planning and thorough research are key to success.
Don't risk your store's reputation on products with questionable quality.
Invest in high-quality products and excellent customer service.
With hard work and smart decisions, you can achieve your dream of building a thriving dropshipping store.

The sale involved a development site located at 21220 Southwest 115th Road in Goulds, Miami. The property was sold for $4,000,000 with a size of 98,899 square feet, resulting in a price per square foot of $40.

Summary of transaction details:

• Property Type: Development Site
• Transaction Amount: $4,000,000
• Buyer: Esteban Koffsman
• Seller: Alberto J Perez
• Buyer's Rep: Janet Crucet & Kristine Flook - Urbanize Properties; Anthony DeLaHoz - Realty World
• Seller's Rep: Stephen Rigl, CCIM, SIOR - Stephen R. Rigl Commercial Real Estate Services; Danny Zelonker, CCIM, SIOR - Z Miami Commercial Real Estate
• Market: Goulds
• Address: 21220 Southwest 115th Road, Miami
• SF: 98,899
• PPSF: $40

The key individuals involved in the transaction were Janet Crucet, Kristine Flook, Anthony DeLaHoz, Stephen Rigl, and Danny Zelonker. The buyer's representatives from Urbanize Properties, along with Anthony DeLaHoz, facilitated the off-market acquisition of the development site, emphasizing the strategic value of the investment. The seller's representatives, Stephen Rigl and Danny Zelonker, brought their expertise to ensure a successful completion of the deal, showcasing a commitment to delivering real estate opportunities in the Miami area.
Learn More: Urbanize Properties Acquires Development Site In Goulds For $4M

I have started activiely looking for a home on one of the islands here near Vancouver. Quite a few of the viewings are with one of the Buyers agents who is a bit of a local specialist.
We saw 2 homes and went to another open house. I then mentioned to her that I am waiting on a divorce settlement and the sale of my home. She said it's better to hold off viewings until those two things are done.
I totally get this and appreciate its her and the home owner's time being affected. Totally respect that.
But there aren't ever any open houses on the Island. It's very rare. i need to view homes to keep up with the market teends, values and to see what's on offer.
Am I able to contact real estate agents directly and bypass the buyer's agent? Am I "attached" to her services now? I feel restricted by someone who is basically a third party. I thought I would be upfront with real estate agents directly, tell them my situation so as to not waste their time. I'll be ready top buy in 1-2 months
Basically what are my rights, what is appropriate, what is a big no no?

Article Link; https://www.benzinga.com/pressreleases/24/05/ab38801093/spotlight-healthcare-and-tech-vtak-orgo-cdio-lazr-vlcn
This week, several companies are under the spotlight due to specific developments. This feature will offer an in-depth look at five such companies.
On May 13, Catheter Precision Inc.
VTAK announced that Ronald Reagan UCLA Medical Center and Rady Children’s Hospital in San Diego had made initial purchases of their LockeT product. Following the expansion of its sales and clinical teams across the United States, the company observed a rise in both completed and upcoming LockeT evaluations and purchase orders, with other major hospitals also recently placing orders.
Catheter Precision, the medical device company has recently achieved milestones, particularly with the rapid expansion of its LockeT product. On May 7, the company secured a purchase order for LockeT from the University of California San Diego (UCSD) health system. Additionally, on April 24, the company announced its first LockeT purchase from HCA Healthcare a leading provider of healthcare services in the United States, generating over $64 billion in revenue in 2023. It operates 186 hospitals and approximately 2,400 care sites across 20 states and the United Kingdom. The potential inclusion of additional prestigious academic institutions in the near to mid-term should not be unexpected. Other products include their cardiac electrophysiology-related product offered by Catheter Precision Inc. is VIVO™.
Organogenesis Holdings Inc.
a leader in regenerative medicine, develops and commercializes products for advanced wound care and surgical and sports medicine. On May 9, the company announced its Q1 2024 financial results, ending March 31, with net revenues reaching $110 million, up from $107.6 million the previous year. The net loss decreased to $2.1 million from $3 million. The release highlighted that Organogenesis started 2024 strongly, exceeding revenue forecasts and maintaining momentum despite challenging market conditions.
Cardio Diagnostics
an AI-supported cardiovascular precision medicine company, focuses on improving cardiovascular disease prevention and early detection. On May 7, the firm announced findings from a budget impact model study of its key product, PrecisionCHD, an integrated genetic-epigenetic test for coronary heart disease (CHD). The peer-reviewed study, titled “The Use of Precision Epigenetic Methods for the Diagnosis and Care of Stable Coronary Heart Disease Reduces Healthcare Costs,” demonstrated that the test could reduce healthcare costs irrespective of insurance plan types or patient demographics, with consistent results across plans including Medicare.
Luminar Technologies
The company, which manufactures lidar sensors meant for self-driving cars, was in focus on May 8 following a key announcement. Luminar Technologies revealed that in the first fiscal quarter, Tesla, Inc. TSLA-1.89%+ Free Alerts was its biggest customer and made up 10% of its revenues of $21 million for the quarter. It was a significant announcement since Tesla Chief Executive Officer Elon Musk is fully committed to the success of self-driving cars. In August, Tesla aims to launch a robotaxi. In the first quarter, Luminar Technologies reported a loss of $10.46 million.
Volcon Inc.

RECENT NEWS

• 12 Consumer Discretionary Stocks Moving In Tu...
• 12 Consumer Discretionary Stocks Moving In Fr...
• Why Upstart Shares Are Trading Lower By Aroun...

the pioneer in off-road all-electric powersports, released its fiscal year results on March 28, 2024, for the period ending December 31, 2023. The company reported Q4 revenues of $1.1 million, a $0.6 million increase from both Q3 and Q2 of 2023. The net loss for Q4 was significantly reduced to $3.4 million from $11.3 million in Q3 and $23 million in Q2. This figure includes $2.1 million in costs related to terminating a manufacturing contract with Torrot for Volcon Youth motorcycles.

​
Speed Post Courier is a premier courier service offered by India Post, the national postal service of India. It offers a range of delivery options that are designed to meet the specific needs of businesses and individuals, including same-day delivery, next-day delivery, and express delivery. With over 1.5 lakh post offices across India, Speed Post Courier has an extensive network that enables it to deliver packages to even the most remote locations.
While the primary function of a courier service is to deliver packages from one location to another, the impact of this service extends far beyond just delivering a package. At its core, Speed Post Courier is in the business of delivering happiness with every package. Whether it's a gift for a loved one, a shipment of products for a business, or an important document, each package represents a special moment for the sender and the recipient. In this article, we'll explore how Speed Post Courier delivers happiness with every package it delivers.
Timely Delivery
One of the key factors that contribute to the happiness of the sender and the recipient is timely delivery. Speed Post Courier is known for its unmatched speed, offering a range of delivery options that are tailored to meet your specific needs. If you need your package delivered urgently, Speed Post Courier offers same-day delivery and next-day delivery options that are designed to get your package to its destination as quickly as possible. With express delivery options also available, you can choose the delivery option that best meets your needs and have your package delivered on time, every time.
Reliability
Reliability is another important factor when it comes to delivering happiness with every package. With its extensive network and advanced tracking system, Speed Post Courier is one of the most reliable courier services available. Packages are carefully handled and transported using the latest technology and equipment to ensure that they reach their destination in the same condition they were sent. Moreover, Speed Post Courier offers a range of insurance options to protect your package in case of loss, damage, or theft.
Convenience
Another way that Speed Post Courier delivers happiness with every package is by offering convenience. With over 1.5 lakh post offices across India, Speed Post Courier has an unparalleled reach that enables it to deliver packages to even the most remote locations. This means that you can ship your package from almost anywhere and have it delivered to almost anywhere. In addition, Speed Post Courier's website and mobile app make it easy to book shipments, track packages, and manage your account from anywhere, at any time.
Cost-Effective
Shipping packages can be expensive, but Speed Post Courier offers cost-effective solutions that make it affordable for businesses and individuals alike. With a range of delivery options to choose from, you can select the one that best meets your needs and budget. Moreover, Speed Post Courier's pricing is transparent and easy to understand, so you can avoid unexpected fees or surcharges.
Customer Service
Finally, Speed Post Courier delivers happiness with every package by providing exceptional customer service. From the moment you book your shipment to the moment it's delivered, Speed Post Courier's customer service team is available to answer your questions and provide assistance. With a commitment to customer satisfaction, Speed Post Courier goes above and beyond to ensure that your shipping experience is a positive one.
In conclusion, Speed Post Courier is not just a courier service, but a means of delivering happiness with every package. With its unmatched speed, reliability, convenience, cost-effectiveness, and exceptional customer service, Speed Post Courier is the perfect solution for businesses and individuals looking to ship packages with confidence and peace of mind. Whether you're sending a gift to a loved one, shipping products for your business, or sending an important document, Speed Post Courier delivers happiness with every package it delivers.

Professional conduct regulation cases do not support the constitutionality of this rulemaking

The existing broker disclosure obligations as applied to customer agents and principals, though never explicitly validated in the courts, may alternatively be found constitutional as a reasonable regulation of professional conduct that incidentally burdens some speech activities of the persons engaged in that regulated conduct. In that interpretation, the conduct being regulated is that of entering into an agency relationship with a customer or else acting as the principal in a sale to the customer. While a written contract is speech, the assumption of a legal relationship that it embodies is doubtlessly conduct and can be the subject of regulation.
As the Court held in United States v. O’Brien, laws affecting speech that are aimed at the regulation of non-expressive conduct are still analyzed under First Amendment jurisprudence, but face a lower level of constitutional scrutiny than laws aimed directly at the regulation of expressive conduct or at speech activities themselves: “a sufficiently important governmental interest in regulating the nonspeech element [of the regulated conduct] can justify incidental limitations on First Amendment freedoms.”⁴⁷ The compulsion to merely report privately to the IRS and to the taxpayer certain “purely factual and uncontroversial information” about the regulated non-expressive conduct may rightly be framed as an “incidental” limitation on traditional brokers’ otherwise unabridged First Amendment rights.
The O’Brien standard, however, is only applicable if the rule is targeted at regulating non-expressive conduct. Things become more complicated when the rule is targeted at regulating expressive conduct or at speech itself. There is a long though underappreciated line of cases stemming from O’Brien that points toward a reasonably straightforward series of tests for when regulation of professional conduct that burdens speech activities is constitutional. That line has been best illuminated by attorney Robert Kry in his article, “The ‘Watchman for Truth’: Professional Licensing and the First Amendment.”⁴⁸ Kry, summarizing and synthesizing many cases, finds that

In the case of a broker who is, in fact, an agent of a customer or a principal in a sale to a customer, the regulation is plausibly aimed at the non-expressive component of the professional’s activity. An agent under common law principles is acting on behalf of her customer. When a broker agrees to a sale, she binds the customer to that sale. The reporting requirement, therefore, is merely a requirement to disclose certain facts about one’s sales, i.e. one’s conduct as an agent. As a principal in a sale to a customer, the broker is, once again, engaged in conduct, a sale, and the reporting requirement merely discloses facts about that conduct. Additionally, brokers of this type are in most cases already subject to a licensing or registration requirement under other statutes.⁵⁰ Those forms of professional conduct are traditionally regulated and the tax laws merely provide for an additional recordkeeping and reporting requirement associated with that conduct. Altogether, the reporting requirement, though compelled speech, appears to be a regulation aimed at the non-expressive component of a professional’s activity. It is therefore likely constitutional.
As described earlier however, the Treasury Department’s proposed rule inappropriately departs from that customer agent or principal standard and seeks to compel speech from persons who are engaged in no such regulated conduct. A mere publisher or maintainer of software, websites, or smart contracts is not in an agency relationship with any customer, nor is she selling anything to any customer apart from, potentially, a license to use her tools or a fee charged for relaying or publishing the user’s data on a communications network or blockchain. Additionally, unlike typical brokerage, these activities do not trigger any licensing or registration requirements under other state or federal statutory schemes.
Indeed, even when such person is relaying actual cryptocurrency transaction messages that, once recorded in the blockchain, will effect a sale of some cryptocurrency, these entities typically have no actual ability to act on behalf of the user and no actual or apparent authority under agency law to act on their behalf. At most, they can choose whether or not to relay the signed transaction message (but so too can an internet service provider); they cannot alter the contents of that message such that the terms of the sale would change. They cannot and do not act as an agent of any customer nor are they a principal in a digital asset sale to any customer.⁵¹
These persons may be involved in conduct in other ways, such as paying for web hosting services, paying fees on cryptocurrency networks to record software or data in the blockchain, taking fees from users to relay their messages, or simply paying rent or otherwise maintaining facilities wherein they or their employees do the work of developing software or maintaining communications tools, but all of those activities are aimed at engaging in speech, the publication of software and data, and none of those activities give rise to the type of fiduciary or agency-like financial relationship, i.e. conduct, that justifies third-party tax reporting obligations.
Moreover, these persons have deliberately designed their software, websites, and smart contract tooling such that it can be useful to a trader and capable of facilitating their trades or other desires without the need for any agency relationship or for any legal or trust-based relationship with the publisher or any other party whatsoever. The user can and does do it all themselves. That is the point of cryptocurrency and “decentralized finance.” We can debate the merit of such a design goal,⁵² but what is not debatable is that this is how these tools are presently designed.⁵³ By demanding that these publishers rewrite their tools such that an agency relationship is established between the author of the tool and its user, such that the name, Social Security number, and other intimate details of the user are entrusted to the alleged “broker,” the regulation is squarely aimed at compelling not merely the disclosure of trading data and taxable gains, but also the compelled creation of significant expressive software and tooling to solicit and collect data in a manner that would otherwise be antithetical to the goals of the software developer. Such an order is so unprecedented that it is difficult to find appropriate metaphors or past examples. It is as if a state—frustrated that it cannot determine who is reading which books—ordered that novelists shall hold in-person book readings during which they must collect and report information about their audience.
Accordingly, when applied to mere publishers and maintainers of software, websites, and smart contracts, these regulations target the expressive activity of the alleged broker. That does not mean, however, that such rules will automatically be unconstitutional. The Court has dealt with several regulatory schemes aimed at expressive professional conduct, such as a lawyer giving legal advice to a client. Throughout these cases the Court has developed a robust series of standards for constitutionality that are focused primarily on “which kinds of advice are licensable based on how closely they resemble forms of communication associated with fiduciary relationships.”⁵⁴ This leads us to the second question in Kry’s analysis of the First Amendment limits to regulating professional conduct, what he calls the “value neutral test” because it applies irrespective of whether the speech affected is a matter of public concern and irrespective of the motives of the speaker:

Given the in-person and client-specific nature of legal services, there should be no surprise that under these cases the professional regulation of attorneys, including licensing, limits on solicitation and advertising, and—as in this rulemaking—compelled disclosures, typically withstands constitutional scrutiny. In the context of developers of cryptocurrency systems, however, the answer to Kry’s twin questions of characteristic-dependence and person-to-person context is an unqualified “no.” It is taken as written that software, websites, and smart contracts in the cryptocurrency space are built such that they are generic, serving the needs of whoever wants to use them irrespective of the characteristics of that user. It is also a given that these tools are shared widely over the internet and used freely by whoever happens to download them or (in some cases) whoever pays to license the software or pays to have their transactions relayed by the software. As such, they are never “delivered in the context of a person- to-person relationship.”⁵⁶ Accordingly, regulation of the speech activities of these developers, including compulsions to report and develop expressive software that enables that reporting, would face strict scrutiny by the Court and be found unconstitutional.
While these standards are general principles that are equally applicable to any kind of expressive conduct regulation, it is nonetheless worth noting that several of the cases that first articulated these standards dealt explicitly with speech, including software, that advised and facilitated sales of valuable assets. As such, the speech in question in these cases was very similar factually to the speech that would be burdened under the Treasury Department’s proposed rule. The value-neutral test was developed in Lowe v. SEC, a case involving the unconstitutional application of the Investment Advisers Act to a person merely publishing a public newsletter,⁵⁷ and it was further reinforced in Taucher v. Born⁵⁸ and two similar cases⁵⁹ dealing with the unconstitutional application of the Commodities Exchange Act to the developers of commodities trading software.⁶⁰

Below is the email I today received from Yotta.
I contacted FDIC. They said contact SPIC (Securities Investment Protection Corporation). SPIC said contact FINRA (Financial Industry Regulatory Authority). FINRA gave me this ID# for Synapse - 137662. Use this ID# to file a claim here: https://www.finra.org/investors/need-help/file-a-complaint
EMAIL I received FROM YOTTA today To give more clarity on the current situation, we were notified that Lineage Bank, member FDIC, halted ACH processing on May 7th for all Synapse Brokerage accounts - Yotta customers hold accounts with Synapse Brokerage. These events have left Synapse Brokerage without an ACH processor. We were also recently notified by Evolve Bank & Trust, member FDIC, that they would be halting all payment processing including debit and credit cards effective immediately.
Ultimately this means there are not currently any banking services or methods available for access to funds. We understand the importance of this matter and are working around the clock to get ACH and debit and credit processing for all accounts restored, which will enable customers to withdraw their funds.
As stated in all brokerage account agreements, customer funds in the Synapse Brokerage Program are deposited into accounts at a network of member FDIC banks. Funds held in these accounts are eligible for FDIC insurance.
We are in contact with federal regulators and are doing everything we can to get ACH processing reinstated as soon as possible.
It would be helpful for the FDIC to hear from you about how lack of access to ACH is impacting you. The phone number for their complaint line is 1-877-275-3342 or to file an e-complaint follow the steps here:
https://ask.fdic.gov/fdicinformationandsupportcentes/?language=en_US