Pco pro insurance carrier

Was on unemployment for 6 months after I got laid off from my previous job of 6 years due to lack of business. Anyways about a month ago I got a job as an insurance agent and sometimes I feel overwhelmed by trying to figure out how all the different carriers programs work. On top of that I have had to deal with a few unpleasant customers who typically get frustrated because of how long it takes me to get things done especially since I still need to ask for assistance and have to wait for said assistance because they are taking care of their own customers which frustrates me even further because it only adds to the pressure I'm already feeling. Somedays I just feel like throwing the phone across the room or just getting up and walking out. I really enjoyed my last job it was a small number of employees and I didn't have to deal with customers and I didn't have someone breathing down my neck. Whereas in sales it's the complete opposite I have to deal with people which I loathe, theres sales goals and I have to actively try to meet them. I spent about a whole month to even find a job (I was enjoying the previous 5 months of unemployment) and I have bills to pay should I just suck it up and stop complaining? Can anybody relate? If so did things get better for you? I'm a really laid back person and enjoy my peace so I got lucky finding that last job because it was a small company but I don't know to many work environments that are like that.

Hello, I comment a lot on this forum, but I don’t normally post so please go easy on me. I am older and have Medicare and I’m curious if I was in an accident I know That auto insurance generally pays after Medicare. The thing with auto insurance, though is generally the rates they pay for care are much higher than what Medicare pays, and that exhaust my limits faster in a hypothetical scenario where I’m injured. Can I knowingly use Medicare for auto accident injuries with the expectation that Medicare would recover only what it paid from my carrier, which would make my limits go further.

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👽👽👽 Welcome to Furystorm's boutique ( ͡° ͜ʖ ͡°) 👽👽👽

Click here to see links for previous stores with a lot of positive feedback from happy customers ▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓▓

New players - use this code (STAR-MRG5-2TBJ) on registration to get additional 5000 UEC for free!
(Just click this link)

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Currencies accepted: PayPal: [$] [€], Skrill (+10%): [€], Crypto(+5%): BTC, BCH, ETH, can take others

To make an order 📨 PM me via Reddit or via Discord (Furystorm#4218)

!!! Please use standard messages, not chat (notifications aren't working properly sometimes) !!!
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►1◄ REFERRAL SERVICE
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20 $ per each

Info about rewards can be found here - https://robertsspaceindustries.com/referral-program
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►2◄ SPECIAL OFFERS
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╰( ͡° ͜ʖ ͡° )つ──☆
Upgrades

Item	Price, $
Retaliator bomber to Constellation Aquila (WB + 10Y insurance)	39
Retaliator bomber to Vanguard Harbinger (WB + 10Y insurance)	31
Starfarer Gemini to Merchantman	189
Banu Tholo code	80
Banu Lockbox (Banu Cube) code	100
Mole to Merchantman	199
Starfarer Gemini to Merchantman	189
C2 Hercules to Carrack	139
Valkyrie to Carrack	169
Constellation Aquila to Orion	219
Starfarer Gemini to Hull D Upgrade	109
Constellation Andromeda to Hull C Upgrade	139
Anvil Terrapin to Hull C Upgrade	179
F7C-R Hornet Tracker to Constellation Taurus	39
Corsair to 400i Warbond Edition	12
Hull E to Polaris	50
Ship Upgrades - Drake Kraken Conversion Kit	799
PAINTS - PERSEUS - THUNDERCLOUD PAINT	31

Stuff

Item	Price, $
CitizenCon 2951 Digital Goodies	9
Gemini LH86 Pistol - Voyager edition	6
Kruger P-72 Emerald	105
RSI VENTURE PATHFINDER ARM ARMOR	10
RSI VENTURE VOYAGER ARM ARMOR	10

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►4◄ GAME AND SHIP COMBO PACKAGES
╚═════════════════════════════════╝

Package	Insurance	SC+SQ42	Price, $	Comments
PACKAGE - 2943 WEEKEND WARRIOR - LTI	LTI	SC + SQ42	299	F7C-M Super Hornet LTI pack
Package - Syulen Starter Pack	LTI	SC	115	Syulen LTI pack
Package - Aurora LN	3MI	SC + SQ42	59	Aurora LN (best aurora) Starter package
Mustang Alpha Starter	3MI	SC	55	-
Anniversary 2017 Mustang Discount Starter	5YI	No	54	-
Nox 2 pack	LTI	No	121	Nox + Nox Kue
Aopoa Nox 5 Pack	LTI	No	242	4 Nox + 1 Nox Kue
Race Team Pack	LTI	No	168	X1 + NOX + Dragonfly Black
Origin X1 THREE-PACK	LTI	No	174	X1 Baseline + Velocity + Force
Entrepreneur pack	LTI	Yes	683	Prospector + Vulture + Vulcan + Hull B + Ursa Rover
The Tortoise and the Hurricane	LTI	No	415	Anvil Hurricane + Anvil Terrapin
Starfarer + Nox 2 pack	LTI	No	431	Starfarer + Nox + Nox Kue
Origin 600i Series Combo Pack	LTI	No	977	600i Luxury + Exploration + Origin X1
Scoundrel Pack	LTI	Yes	788	7 Items, see picture
Aegis Wrecking Crew Pack	LTI	No	1155	Reclaimer + Vulcan + Eclipse + Avenger Warlock/Titan
Exotic Mega Pack	LTI	No	1260	Banu MM + Genesis Starliner + Khartu-al + other small ships
UEE Exploration 2948 Pack	LTI	Yes	850	Carrack, Terrapin, Freelancer DUR, Cyclone RN

Game package can be upgrade as well on your demand, price negotiated
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►5◄ LTI STANDALONE SHIPS
╚══════════════════════════╝
CCU-d ships are upgraded from another ship. Also I have ships from original sale - they may come with different bonuses but are more expensive.

You can click on the price of original sale item to see it's contents.

Ship manufacturer	Ship model	Insurance	Price (CCU-d), $	Price (Original sale), $
Aopoa (Xi'an)	Khartu-Al	LTI	179	-
-	Nox	LTI	-	77
-	Nox Kue	LTI	-	77
-	San'Tok.Yai	LTI	231	-
Aegis Dynamics	Avenger Titan	LTI	74	100
-	Avenger Titan Renegade	LTI	95	111
-	Avenger Stalker	LTI	84	-
-	Avenger Warlock	LTI	100	-
-	Eclipse	LTI	305	333
-	Gladius	LTI	116	-
-	Gladius Valiant	LTI	132	147
-	Hammerhead	LTI	672	777
-	Hammerhead Best in Show Edition	LTI	746	-
-	Nautilus	LTI	672	-
-	Reclaimer	LTI	336	550
-	Reclaimer Best in Show Edition	LTI	429	-
-	Redeemer	LTI	333	-
-	Retaliator Bomber	LTI	284	-
-	Sabre	LTI	184	221
-	Sabre Comet	LTI	195	-
-	Vanguard Warden	LTI	263	357
-	Vanguard Harbinger	LTI	289	-
-	Vanguard Sentinel	LTI	268	-
-	Vanguard Hoplite	LTI	231	268
-	Vulcan	LTI	216	242
ARGO Astronautics	MPUV Cargo	LTI	74	84
-	MPUV Personnel	LTI	-	89
	Raft	LTI	142	-
-	SRV	LTI	165	-
-	Mole	LTI	321	-
-	Combo Pack	LTI	-	111
Anvil Aerospace	Arrow	LTI	95	137
-	C8X Pisces Expedition	LTI	69	79
-	C8R Pisces	LTI	84	-
-	Carrack	LTI	420	-
-	Carrack W/C8X	LTI	440	-
-	Carrack Expedition	LTI	447	-
-	Carrack Expedition W/C8X	LTI	468	-
-	Crucible	LTI	369	431
-	F7C Hornet	LTI	121	-
-	F7C Hornet Wildfire	LTI	189	210
-	F7C-S Hornet Ghost	LTI	140	-
-	F7C-R Hornet Tracker	LTI	155	-
-	F7C-M Super Hornet	LTI	199	252
-	F7C-M Hornet Heartseeker	LTI	200	-
-	Gladiator	LTI	177	221
-	Hawk	LTI	116	132
-	Hurricane	LTI	210	231
-	Terrapin	LTI	231	263
-	Valkyrie	LTI	357	-
-	Legionnaire	LTI	132	-
Banu	Merchantman	LTI	399	-
-	Defender	LTI	226	237
Consolidated outland	Mustang Beta	LTI	95	-
-	Mustang Gamma	LTI	74	-
-	Mustang Delta	LTI	84	-
-	Pioneer	LTI	-	1499
Crusader Industries	Ares Inferno	LTI	252	-
-	Ares Ion	LTI	252	-
-	Genesis Starliner	LTI	357	578
-	C2 Hercules	LTI	368	-
-	M2 Hercules	LTI	483	-
-	A2 Hercules	LTI	735	-
	C1 Spirit	LTI	137	-
	E1 Spirit	LTI	163	-
	A1 Spirit	LTI	210	-
-	Mercury Star Runner	LTI	273	-
Drake Interplanetary	Dragonfly Yellowjacket	LTI	-	84
-	Dragonfly Black	LTI	-	84
-	Dragonfly Ride Together Two-Pack	LTI	-	126
-	Buccaneer	LTI	126	142
-	Caterpillar	LTI	336	-
-	Caterpillar Best in Show Edition	LTI	347	-
-	Corsair	LTI	263	-
-	Cutlass Black	LTI	126	-
-	Cutlass Black Best in Show Edition (2949)	LTI	137	-
-	Cutlass Steel	LTI	221	-
-	Cutlass Red	LTI	142	-
-	Cutlass Blue	LTI	168	-
-	Herald	LTI	111	-
-	Vulture	LTI	158	-
Esperia	Vanduul Blade	LTI	284	326
-	Vanduul Glaive	LTI	373	-
-	Prowler	LTI	399	510
-	Talon	LTI	132	-
-	Talon Shrike	LTI	132	-
Gatac	Railen	LTI	242	-
Greycat Industrial	ROC	LTI	77	-
Kruger Intergalactic	P-72 Archimedes	LTI	-	90
-	P-72 Archimedes Emerald	LTI	-	105
Mirai	Fury	LTI	69	-
-	Fury MX	LTI	69	-
-	Fury LX	LTI	69	-
MISC	Endeavor BASE	LTI	378	-
-	Endeavor DISCOVERY-CLASS	LTI	-	683
-	Endeavor Master Set 2018	LTI	-	1399
	Expanse	LTI	168	-
-	Freelancer	LTI	121	-
-	Freelancer DUR	LTI	147	-
-	Freelancer MAX	LTI	163	-
-	Freelancer MIS	LTI	184	-
-	HULL A	LTI	99	-
-	HULL B	LTI	147	-
-	HULL C	LTI	357	-
-	HULL D	LTI	462	-
-	Odyssey	LTI	578	-
-	Razor	LTI	163	179
-	Razor LX	LTI	168	-
-	Razor EX	LTI	174	-
-	Prospector	LTI	163	179
-	Reliant Kore (Mini Hauler)	LTI	84	105
-	Reliant Tana (Skirmisher)	LTI	95	-
-	Reliant Mako (News Van)	LTI	121	-
-	Reliant Sen (Researcher)	LTI	105	-
-	Starfarer	LTI	315	399
-	Starfarer Gemini	LTI	347	452
Origin Jumpworks	X1 Baseline	LTI	-	69
-	X1 Velocity	LTI	-	74
-	X1 Force	LTI	-	79
-	M50	LTI	121	-
-	85X	LTI	-	79
-	100I	LTI	74	95
-	125A	LTI	79	-
-	135C	LTI	84	-
-	300I	LTI	77	-
-	315P	LTI	77	-
-	325A	LTI	93	-
-	350R	LTI	137	-
-	400i	LTI	265	-
-	600i Touring	LTI	399	525
-	600i Exploration	LTI	420	580
RSI	Aurora CL	LTI	74	-
-	Apollo Triage	LTI	268	-
-	Apollo Medivac	LTI	294	-
-	Galaxy	LTI	378	-
-	Mantis	LTI	168	-
-	Perseus	LTI	557	-
-	Polaris	LTI	735	999
-	Constellation Taurus	LTI	179	-
-	Constellation Andromeda	LTI	252	-
-	Constellation Aquila	LTI	321	-
	Zeus MK II MR	LTI	205	-
	Zeus MK II ES	LTI	163	-
	Zeus MK II CL	LTI	163	-
-	Scorpius	LTI	263	-
-	Scorpius Antares	LTI	252	-
-	Orion	LTI	489	-

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►6◄ NON-LTI SHIPS & PACKAGES, COMMON
╚════════════════════════════════════╝

Ship/Package	Insurance	Price, $	Comments
Consolidated Outland Mustang Alpha Vindicator	6MI	66	Limited Vindicator version
Kruger P-72 Archimedes	10YI	55	-
Kruger P-72 Archimedes	6YI	45	-
Kruger P-52 Merlin	6YI	37	-
RSI Aurora ES	10YI	37	-
Argo MPUV 1C Cargo	10YI	53	-
MISC Endeavor OLYMPIC-CLASS	4YI	578	Endeavor with modules
RSI Constellation Phoenix	10YI	399	-
RSI Constellation Phoenix	6YI	389	-
Origin 890 Jump	6MI	1099	-
Origin 890 Jump	6YI	1249	-
Origin 890 Jump	10YI	1349	-

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►7◄ PLANETARY VEHICLES & COMBO PACKAGES
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Vehicle	Insurance	Price (CCU-d), $	Price (Concept), $	Comments
Anvil Ballista	LTI	153		-
Hoverquad	LTI		74	-
Greycat PTV	6YI		27	-
Greycat PTV	10YI		37	-
Origin G12	LTI	84		-
Origin G12R	LTI		84	-
Origin G12A	LTI		90	-
Tumbril Cyclone	LTI		74	Base version
Tumbril Cyclone-TR	LTI		79	With ground turret
Tumbril Cyclone-RC	LTI		79	Speedster
Tumbril Cyclone-AA	LTI		95	Anti-air + countermeasures
Tumbril Cyclone-RN	LTI		79	Scout & Scan
Tumbril Ranger RC	LTI	105		Racer
Tumbril Ranger CV	LTI	111		Offroad
Tumbril Ranger TR	LTI	116		With Gun
Tumbril Nova	LTI	126	132	Tank
URSA Rover	5YI		63	-
URSA Rover	10YI		70
Lynx	LTI	79
URSA Rover Fortuna	LTI	79		Limited green skin edition

Below are listed combo packs with different combination of vehicles, or with space ships

Combo packs	Insurance	Price (Concept), $	Comments
Offroad Vehicle Pack	LTI	137	Cyclone TR + URSA + Greycat PTV
Tumbril Cyclone Pack	LTI	305	All Cyclones
All-Terrain Vehicle Mega Pack	LTI	473	All Cyclones + Ursa + Lynx + Greycat
Air and Space Pack LTI	LTI	315	Terrapin + Cyclone AA
Ground Vehicle Pack VIP	LTI	378	Gragonfly + Nox + X1 + Ursa + Cyclone + Nova + bonus
Deluxe Ground Vehicle Pack VIP	LTI	840	A lot of items, check screenshot

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►8.1◄ MODULES, PODS, BATTLEFIELD UPGRADE KITS (BUKS), OTHER ITEMS
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Module	Insurance	Price, $
MISC Endeavor Modules (Pods)	-	-
BIODOME POD	10YI	126
TELESCOPE ARRAY POD	10YI	153
SUPERCOLLIDER POD	10YI	155
SERVICE EQUIPMENT AND CREW POD	10YI	53
GENERAL RESEARCH POD	10YI	72
GENERAL SCIENCE POD	10YI	71
FUEL POD	10YI	60
MEDICAL BAY POD	10YI	105
LANDING BAY	10YI	105
RSI Galaxy Modules
Galaxy - Med Bay Module	10YI	116
Galaxy - Refinery Module	10YI	126
Galaxy - Cargo Module	10YI	95
Aegis Vanguard battlefield upgrade kits
Harbinger battlefield upgrade kit	LTI	140
Sentinel battlefield upgrade kit	6MI	69
Other stuff
Add-ons - Aegis Idris P after market kit	-	294

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►8.2 ◄ FPS WEAPONS, ARMOR, CLOTHES AND OTHER GEAR
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Module	Insurance	Price, $
Overlord "Dust Storm" Armor Set	-	11
Overlord "Riptide" Armor Set	-	11
Overlord Helmets "Silent Strike" Pack	-	8
Overlord Helmets "Forces of Nature" Pack	-	8
Parasite Replica Helmet (Original)	-	11
Parasite Replica Helmet (Dark Birth)	-	11
Stegman's Cordimon "Voyager" Complete Outfit	-	11
Stegman's IndVest “Pathfinder” Complete Outfit	-	11
RSI MacFlex Rust Society full armor set (5 items)	-	21
RSI Venture Rust Society full armor set (5 items)	-	32
Mr. Refinement’s Cabinet of Rare & Exquisite Spirits	-	11
Life in the 'Verse Shirts Pack #1	-	5
Life in the 'Verse Shirts Pack #2	-	5
"Caudillo" Helmets Pack #1 by CC's Conversions	-	10
"Caudillo" Helmets Pack #2 by CC's Conversions	-	10
"Caudillo" Helmets Pack #3 by CC's Conversions	-	10
QuikFlarePro Pack	-	5
QuikFlarePro Pack Deluxe	-	6
Polar Vortex Collection	-	7
Cold Front Collection	-	7
UltiFlex FSK-8 "Mirage" Combat Knife	-	5
UltiFlex FSK-8 "Ghost" Combat Knife	-	5
Urban Collection by Element Authority	-	11
Adventurer Collection by Element Authority	-	11
Manaslu Rust Society Jacket	-	8
RSI Horizon Rust Society Helmet	-	8
RSI Beacon Rust Society Undersuit	-	6
Paladin helmet	-	10

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►9◄ CROSS-CHASSIS UPGRADES (CCUS), SHIPS
╚════════════════════════════════════════╝

IAE-insurance upgrades (adds IAE insurance (10 years) to your ship)

Upgrade	Price, $
Prospector to F7C-M Super Hornet	50
Vanguard Warden to Caterpillar	60

Sorted by: Manufacturer -> ship

Target ship manufacturer	Target ship	Upgrade from	Price, $
Aegis Dynamics	Avenger Titan Renegade	325A	18
-	Avenger Warlock	325A	29
-	Avenger Warlock	Arrow	26
-	Eclipse	Constellation Andromeda	78
-	Eclipse	Vanguard Sentinel	37
-	Eclipse	Vanguard Warden	53
-	Eclipse	Blade	37
-	Gladius Valiant	Gladius	32
-	Gladius Valiant	M50	23
-	Hammerhead	Constellation Aquila	477
-	Hammerhead	600i Touring	357
-	Hammerhead	600i Explorer	315
-	Hammerhead	Merchantman	131
-	Hammerhead	Hull D	236
-	Hammerhead	Crucible	446
-	Hammerhead	Carrack	173
-	Hammerhead	Reclaimer	383
-	Hammerhead	Prowler	351
-	Hammerhead	Orion	131
-	Hammerhead	Glaive	446
-	Nautilus	Constellation Aquila	462
-	Nautilus	Endeavor	425
-	Nautilus	Crucible	425
-	Nautilus	Genesis Starliner	372
-	Nautilus	M2 Hercules	246
-	Nautilus	Merchantman	110
-	Nautilus	600i Explorer	294
-	Nautilus	600i Touring	336
-	Nautilus	Orion	110
-	Nautilus	Prowler	330
-	Nautilus	Carrack	173
-	Nautilus	Reclaimer	372
-	Nautilus	Hull D	215
-	Nautilus	C2 Hercules	372
-	Nautilus	Valkyrie	399
-	Reclaimer	Constellation Aquila	110
-	Reclaimer	Starfarer Gemini	84
-	Reclaimer	Endeavor	73
-	Reclaimer	Crucible	73
-	Reclaimer	Valkyrie	49
-	Redeemer	Constellation Andromeda	78
-	Redeemer	Vanguard Hoplite	84
-	Redeemer	Mole	31
-	Retaliator Bomber	Constellation Andromeda	57
-	Retaliator	Razor	19
-	Retaliator	Ballista	26
-	Sabre	Prospector	31
-	Sabre	Gladiator	16
-	Sabre Comet	Sabre	31
-	Sabre Comet	Freelancer MIS	26
-	Sabre Comet	Khartu-Al	31
-	Sabre Comet	F7C Hornet Wildfire Mk I	23
-	Sabre Comet	Gladiator	35
-	Vanguard Harbinger	Constellation Andromeda	68
-	Vanguard Harbinger	Retaliator Bomber	31
-	Vanguard Harbinger	Vanguard Sentinel	26
-	Vanguard Harbinger	Vanguard Hoplite	68
-	Vanguard Harbinger	Vanguard Warden	42
-	Vanguard Hoplite	Constellation Taurus	54
-	Vanguard Hoplite	Defender	33
-	Vanguard Hoplite	F7C-M Super Hornet Heartseeker Mk I	54
-	Vanguard Hoplite	Hurricane	44
-	Vanguard Hoplite	Terrapin	33
-	Vanguard Sentinel	Constellation Andromeda	52
-	Vanguard Sentinel	Vanguard Warden	31
-	Vanguard Warden	Constellation Andromeda	31
-	Vanguard Warden	Vanguard Hoplite	35
-	Vulcan	Prospector	61
-	Vulcan	Cutlass Blue	40
-	Vulcan	Freelancer MIS	40
-	Vulcan	Sabre	46
-	Vulcan	Sabre Comet	30
-	Vulcan	F7C Hornet Wildfire Mk I	40
-	Vulcan	F7C-M Super Hornet Mk I	30
-	Vulcan	Gladiator	51
-	Vulcan	Khartu-Al	46
Anvil Aerospace	Carrack	Constellation Aquila	267
-	Carrack	Mole	320
-	Carrack	M2 Hercules	99
-	Carrack	600i Explorer	147
-	Carrack	600i Touring	189
-	Carrack	Prowler	183
-	Carrack	Reclaimer	225
-	Carrack	Genesis Starliner	225
-	Carrack	Valkyrie	215
-	Carrack	C2 Hercules	189
-	Carrack	Hull D	73
-	Carrack	Endeavor	283
-	Carrack	Crucible	283
-	Carrack	Starfarer Gemini	294
-	Carrack W/C8X	Carrack	55
-	Carrack Expedition	Carrack	60
-	Carrack Expedition	Carrack W/C8X	40
-	Carrack Expedition W/C8X	Carrack	80
-	Carrack Expedition W/C8X	Carrack W/C8X	73
-	Carrack Expedition W/C8X	Carrack Expedition	68
-	Crucible	Starfarer Gemini	26
-	Crucible	Constellation Aquila	94
-	F7C-M Super Hornet Mk I	Prospector	43
-	F7C-M Super Hornet Mk I	Khartu-AL	27
-	F7C-M Super Hornet Mk I	F7C Hornet Wildfire Mk I	22
-	F7C-M Super Hornet Mk I	Gladiator	32
-	F7C-M Super Hornet Mk I	Freelancer MIS	22
-	F7C-M Super Hornet Mk I	Sabre	27
-	F7C-M Super Hornet Mk I	Razor EX	43
-	F7C-M Super Hornet Heartseeker Mk I	Prospector	63
-	F7C-M Super Hornet Heartseeker Mk I	Freelancer MAX	68
-	F7C-M Super Hornet Heartseeker Mk I	Razor EX	63
-	F7C-M Super Hornet Heartseeker Mk I	Gladiator	52
-	F7C-M Super Hornet Heartseeker Mk I	Khartu-AL	47
-	F7C-M Super Hornet Heartseeker Mk I	Sabre	47
-	F7C-M Super Hornet Heartseeker Mk I	Sabre Comet	31
-	F7C-M Super Hornet Heartseeker Mk I	F7C Hornet Wildfire Mk I	42
-	F7C-M Super Hornet Heartseeker Mk I	Freelancer MIS	42
-	F7C Hornet Wildfire Mk I	Prospector	31
-	F7C Hornet Wildfire Mk I	Khartu-Al	16
-	F7C Hornet Wildfire Mk I	Gladiator	22
-	F7C Hornet Wildfire Mk I	Sabre	16
-	Gladiator	Prospector	21
-	Hawk	Gladius	21
-	Hurricane	Constellation Taurus	22
-	Hurricane	Prospector	69
-	Hurricane	Gladiator	58
-	Hurricane	F7C Hornet Wildfire Mk I	48
-	Hurricane	F7C-M Super Hornet Mk I	37
-	Hurricane	Freelancer MIS	48
-	Hurricane	Sabre	53
-	Hurricane	Sabre Comet	37
-	Hurricane	Khartu-Al	53
-	Terrapin	Prospector	84
-	Terrapin	Constellation Taurus	33
-	Terrapin	Freelancer MAX	86
-	Terrapin	F7C-M Super Hornet Mk I	52
-	Terrapin	Freelancer MIS	63
-	Terrapin	Vulcan	36
-	Terrapin	Gladiator	73
-	Terrapin	Khartu-Al	65
-	Terrapin	Sabre	65
-	Valkyrie	Constellation Aquila	78
-	Valkyrie	Endeavor	42
-	Valkyrie	Starfarer Gemini	52
-	Valkyrie	Crucible	42
-	Valkyrie	Glaive	42
Aopoa (Xi'an)	Khartu-Al	Prospector	29
-	Khartu-Al	Freelancer MAX	31
-	Nox	Aurora LN	22
-	Nox	Dragonfly Black	15
-	Nox	Dragonfly Yellowjacket	15
-	Nox	MPUV Cargo	27
-	Nox Kue	Aurora LN	17
-	Nox Kue	Dragonfly Black	15
-	Nox Kue	Dragonfly Yellowjacket	15
-	Nox Kue	Mustang Beta	15
-	Nox Kue	MPUV Personnel	15
-	Nox Kue	MPUV Cargo	22
-	San'tok.yāi	Constellation Taurus	56
-	San'tok.yāi	Hurricane	46
-	San'tok.yāi	Vulcan	56
ARGO Astronautics	MPUV Cargo	Mustang Alpha	15
-	SRV	F7C-R Hornet Tracker Mk I	26
-	SRV	Razor	31
-	SRV	Prospector	21
-	SRV	Freelancer MAX	26
-	SRV	Razor EX	21
Banu	Merchantman	Mole	239
-	Merchantman	Starfarer Gemini	220
-	Merchantman	Prowler	231
-	Merchantman	600i Touring	236
-	Merchantman	600i Explorer	194
-	Merchantman	Genesis Starliner	273
-	Defender	Constellation Taurus	31
-	Defender	Retaliator	84
-	Defender	Cutlass Blue	57
-	Defender	Freelancer MIS	65
-	Defender	Gladiator	70
-	Defender	Khartu-Al	65
-	Defender	Sabre	65
-	Defender	F7C Hornet Wildfire Mk I	59
-	Defender	F7C-M Super Hornet Mk I	50
Consolidated outland	Mustang Delta	Mustang Gamma	22
-	Mustang Delta	Avenger Stalker	15
Crusader Industries	Genesis Starliner	Constellation Aquila	115
-	Genesis Starliner	Endeavor	73
-	Ares Inferno	Constellation Andromeda	26
-	Ares Ion	Constellation Andromeda	26
-	A2 Hercules	600i Touring	393
-	A2 Hercules	600i Explorer	351
-	A2 Hercules	Carrack	220
-	A2 Hercules	Constellation Aquila	519
-	A2 Hercules	Crucible	483
-	A2 Hercules	Endeavor	483
-	A2 Hercules	Hull D	273
-	A2 Hercules	Merchantman	168
-	A2 Hercules	Orion	168
-	A2 Hercules	Prowler	388
-	A2 Hercules	Reclaimer	430
-	A2 Hercules	Starfarer Gemini	504
-	C2 Hercules	Constellation Aquila	110
-	C2 Hercules	Valkyrie	47
-	C2 Hercules	Crucible	73
-	C2 Hercules	Endeavor	73
-	C2 Hercules	Glaive	73
-	C2 Hercules	Starfarer Gemini	84
-	M2 Hercules	Constellation Aquila	236
-	M2 Hercules	600i Touring	110
-	M2 Hercules	600i Explorer	68
-	M2 Hercules	C2 Hercules	147
-	M2 Hercules	Crucible	199
-	M2 Hercules	Endeavor	199
-	M2 Hercules	Genesis Starliner	147
-	M2 Hercules	Prowler	105
-	M2 Hercules	Reclaimer	147
-	M2 Hercules	Starfarer Gemini	210
-	A1 Spirit	F7C-R Hornet Tracker Mk I	63
-	A1 Spirit	Razor	68
-	A1 Spirit	Khartu-Al	42
-	A1 Spirit	F7C-M Super Hornet Mk I	26
-	A1 Spirit	Sabre	42
-	A1 Spirit	Prospector	57
-	A1 Spirit	Zeus Mk II MR	21
-	C1 Spirit	Freelancer	26
-	C1 Spirit	Legionnaire	15
-	C1 Spirit	Nova	15
-	C1 Spirit	Cutlass Black	26
-	C1 Spirit	Talon	21
-	C1 Spirit	Talon Shrike	21
-	E1 Spirit	Razor	15
-	Mercury Star Runner	Prospector	120
-	Mercury Star Runner	San'tok.yāi	31
-	Mercury Star Runner	Defender	52
-	Mercury Star Runner	F7C Hornet Wildfire Mk I	99
-	Mercury Star Runner	F7C-M Super Hornet Mk I	89
-	Mercury Star Runner	Freelancer MIS	99
-	Mercury Star Runner	Hurricane	63
-	Mercury Star Runner	Khartu-Al	105
-	Mercury Star Runner	Razor EX	120
-	Mercury Star Runner	Sabre Comet	89
-	Mercury Star Runner	Sabre	105
-	Mercury Star Runner	Terrapin	52
-	Mercury Star Runner	Vulcan	73
Drake Interplanetary	Caterpillar	Constellation Andromeda	116
-	Caterpillar	Constellation Aquila	36
-	Caterpillar	Retaliator Bomber	78
-	Corsair	Prospector	115
-	Corsair	Constellation Taurus	68
-	Corsair	Freelancer MAX	120
-	Corsair	Freelancer MIS	94
-	Corsair	Sabre	99
-	Corsair	Sabre Comet	84
-	Corsair	Gladiator	105
-	Corsair	F7C-M Super Hornet Mk I	84
-	Corsair	F7C-M Super Hornet Heartseeker Mk I	68
-	Corsair	F7C Hornet Wildfire Mk I	94
-	Corsair	Vulcan	68
-	Corsair	Hurricane	57
-	Corsair	Razor EX	115
-	Corsair	Khartu-Al	99
-	Cutlass Black Best In Show	Gladius	52
-	Cutlass Blue	F7C-R Hornet Tracker Mk I	36
-	Cutlass Blue	Razor	36
-	Cutlass Blue	Prospector	31
-	Cutlass Steel	Constellation Taurus	47
-	Cutlass Steel	Railen	21
-	Cutlass Steel	Defender	26
-	Cutlass Steel	Terrapin	26
-	Cutlass Steel	Vulcan	47
-	Cutlass Steel	Hurricane	36
-	Cutlass Steel	F7C-M Super Hornet Heartseeker Mk I	47
-	Dragonfly Black	MPUV Cargo	15
-	Herald	325A	26
-	Herald	Avenger Titan Renegade	21
-	Vulture	Prospector	31
-	Vulture	Razor EX	31
-	Vulture	Sabre	15
-	Vulture	Khartu-Al	15
-	Vulture	Gladiator	21
-	Vulture	SRV	21
Esperia	Blade	Constellation Andromeda	52
-	Glaive	Constellation Aquila	52
-	Glaive	Starfarer Gemini	26
-	Talon	Gladius	42
-	Talon	Reliant Mako	36
-	Talon	Freelancer	21
-	Talon	Cutlass Black	21
-	Talon	Buccaneer	21
-	Talon Shrike	Gladius	42
-	Talon Shrike	Reliant Mako	36
-	Talon Shrike	Freelancer	21
-	Talon Shrike	Cutlass Black	21
-	Talon Shrike	Buccaneer	21
-	Prowler	Constellation Aquila	147
-	Prowler	Reclaimer	57
-	Prowler	Genesis Starliner	57
-	Prowler	Endeavor	110
-	Prowler	Crucible	110
-	Prowler	600i Touring	42
MISC	Freelancer MIS	Prospector	32
-	Freelancer MIS	Freelancer MAX	37
-	Freelancer MIS	Gladiator	22
-	Freelancer MIS	Sabre	16
-	Freelancer MIS	Razor EX	32
-	Endeavor	Constellation Aquila	78
-	Endeavor	Starfarer Gemini	52
-	Hull A	300I	42
-	Hull A	Mustang Gamma	47
-	Hull B	325A	94
-	Hull C	Constellation Andromeda	294
-	Hull D	Constellation Aquila	278
-	Hull D	Starfarer Gemini	262
-	Razor	F7C-R Hornet Tracker Mk I	15
-	Razor	Nova	36
-	Razor LX	F7C-S Hornet Ghost Mk I	21
-	Razor LX	Freelancer DUR	26
-	Razor LX	Razor	15
-	Razor LX	350r	36
-	Razor EX	Freelancer MAX	15
-	Razor EX	Retaliator	15
-	Razor EX	Razor LX	15
-	Reliant Tana	325a	15
-	Reliant Sen	Arrow	21
-	Reliant Mako	Gladius	15
-	Starfarer	Constellation Andromeda	76
-	Starfarer	Vanguard Warden	55
-	Starfarer	Vanguard Harbinger	24
-	Starfarer	Vanguard Sentinel	39
-	Starfarer	Vanguard Hoplite	76
-	Starfarer	Blade	39
-	Starfarer	Retaliator Bomber	39
-	Starfarer	Apollo Medivac	39
-	Starfarer Gemini	Constellation Aquila	57
-	Starfarer Gemini	Redeemer	21
-	Starfarer Gemini	Mole	47
Origin Jumpworks	350r	Freelancer	28
-	350r	Nova	17
-	350r	Legionnaire	17
-	350r	Talon	23
-	350r	Talon Shrike	23
-	M50	Gladius	22
-	85X	Aurora CL	15
-	100i	Dragonfly Black	18
-	100i	Dragonfly Yellowjacket	18
-	100i	MPUV Personnel	22
-	100i	Mustang Beta	22
-	100i	X1	16
-	125a	100i	22
-	125a	85X	19
-	125a	Ursa	19
-	125a	X1 Force	14
-	135C	100i	27
-	135C	125a	15
-	135C	300i	14
-	135C	Cyclone	19
-	135C	Mustang Gamma	19
-	X1	Mustang Alpha	26
-	X1	Aurora LN	15
-	X1	MPUV Cargo	21
-	X1 Velocity	Mustang Beta	21
-	X1 Velocity	MPUV Personnel	21
-	X1 Velocity	X1	15
-	X1 Force	Aurora CL	21
-	X1 Force	X1 Velocity	15
-	X1 Force	Nox	21
-	400i	Constellation Andromeda	21
-	400i	Vanguard Hoplite	21
-	400i	Constellation Andromeda	21
-	400i	Scorpius	31
-	600i Touring	Constellation Aquila	147
-	600i Touring	Constellation Phoenix	110
-	600i Touring	Reclaimer	57
-	600i Touring	Starfarer Gemini	120
-	600i Touring	Endeavor	110
-	600i Touring	Crucible	110
-	600i Touring	Eclipse	162
-	600i Touring	Genesis Starliner	57
-	600i Touring	C2 Hercules	57
-	600i Explorer	600i Touring	63
-	600i Explorer	Constellation Aquila	189
-	600i Explorer	Prowler	57
-	600i Explorer	Genesis Starliner	99
-	600i Explorer	Starfarer Gemini	162
-	600i Explorer	Endeavor	152
-	600i Explorer	Reclaimer	99
-	600i Explorer	Crucible	152
-	600i Explorer	C2 Hercules	99
RSI	Apollo Triage	Constellation Andromeda	23
-	Apollo Triage	San'tok.yāi	23
-	Apollo Medivac	Constellation Andromeda	49
-	Apollo Medivac	Vanguard Warden	26
-	Apollo Medivac	Apollo Triage	36
-	Apollo Medivac	Vanguard Hoplite	47
-	Constellation Taurus	F7C-R Hornet Tracker Mk I	42
-	Constellation Taurus	Razor	47
-	Mantis	Razor	15
-	Mantis	Ballista	21
-	Perseus	Mole	409
-	Perseus	Carrack	110
-	Perseus	Carrack W/C8X	89
-	Perseus	Carrack Expedition	84
-	Perseus	Carrack Expedition W/C8X	63
-	Perseus	Merchantman	57
-	Perseus	Orion	57
-	Perseus	600i Explorer	241
-	Perseus	M2 Hercules	194
-	Perseus	Hull D	162
-	Polaris	Constellation Aquila	530
-	Polaris	Perseus	183
-	Polaris	M2 Hercules	357
-	Polaris	Nautilus Solstice Edition	149
-	Polaris	Hammerhead	149
-	Polaris	Carrack	367
-	Polaris	Crucible	499
-	Polaris	Merchantman	210
-	Polaris	Orion	178
-	Orion	Constellation Aquila	249
-	Orion	Starfarer	255
-	Orion	600i Touring	273
-	Orion	Reclaimer	294
-	Orion	Genesis Starliner	294
-	Orion	M2 Hercules	168
-	Orion	Prowler	252

╔════════════════════════════════════════╗
►10◄ CROSS-CHASSIS UPGRADES (CCUS), DOWNGRADE
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CCUs from more to less expensive ships

Target ship manufacturer	Target ship	Upgrade from	Price, $
Aegis Dynamics	Eclipse	Redeemer	64
-	Eclipse	Caterpillar	17
-	Vanguard Harbinger	Constellation Aquila	17
-	Vanguard Hoplite	Constellation Andromeda	30
-	Reclaimer	Hull D	94
-	Reclaimer	Merchantman	78
-	Vulcan	Defender	26
-	Vulcan	Terrapin	15
-	Sabre	Constellation Taurus	32
-	Sabre	Freelancer MIS	16
-	Sabre Comet	Constellation Taurus	52
-	Retaliator Bomber	Redeemer	36
-	Vanguard Harbinger	Redeemer	57
-	Vanguard Sentinel	Redeemer	42
-	Vanguard Warden	Redeemer	26
-	Vanguard Warden	Hull C	26
Anvil Aerospace	F7C-M Super Hornet	Constellation Taurus	47
-	F7C Hornet Wildfire	Constellation Taurus	37
-	Gladiator	Constellation Taurus	26
-	F7C-M Super Hornet Heartseeker	Defender	21
-	Hurricane	Defender	21
-	Gladiator	Constellation Taurus	26
-	Gladiator	Cutlass Blue	28
-	Valkyrie	Hull D	42
-	Valkyrie	Merchantman	47
-	Valkyrie	C2 Hercules	31
Aopoa (Xi'an)	Khartu-Al	Constellation Taurus	31
Consolidated outland	Mustang Delta	Hull A	15
Crusader Industries	Genesis Starliner	Hull D	73
-	Genesis Starliner	Merchantman	73
-	C2 Hercules	Hull D	31
-	C2 Hercules	Merchantman	42
-	M2 Hercules	Orion	52
Drake Interplanetary	Corsair	Defender	42
Esperia	Prowler	Merchantman	120
-	Prowler	Hull D	105
MISC	Freelancer MIS	Constellation Taurus	37
-	Freelancer MIS	Cutlass Blue	37
-	Razor	Freelancer MAX	15
-	Razor EX	Constellation Taurus	15
-	Razor EX	Cutlass Blue	15
-	Starfarer	Constellation Aquila	37
-	Starfarer	Caterpillar	18
Origin Jumpworks	350r	Cutlass Red	15
-	600i Touring	Hull D	110
-	600i Touring	Prowler	110
-	600i Explorer	Merchantman	152
-	600i Explorer	Carrack	99
RSI	Apollo Triage	Mercury Star Runner	42
-	Orion	Carrack	120

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Record temperatures, record migration, record emissions, record displacement, record PFAS……start building an ark.
Last Week in Collapse: May 12-18, 2024
This is Last Week in Collapse, a weekly newsletter compiling some of the most important, timely, useful, soul-crushing, ironic, stunning, exhausting, or otherwise must-see/can’t-look-away moments in Collapse.
This is the 125th newsletter! You can find the May 5-11 edition here if you missed it last week. You can also receive these posts (with images) every Sunday in your email inbox with Substack.
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Flash flooding in northern Afghanistan killed 300+ people and destroyed 1,000+ homes. Hundreds of thousands of others have been affected. Last month, similar floods in the region killed 70+. Four died in Texas storms last week as well.
Venezuela is suffering from record wildfires, which so far this year have burned about 5M acres—almost the size of Sardinia. Some experts think indigenous people started the blaze as an attempt at forest clearance, which quickly got out of hand. “Institutional failures” compounded the disaster when the ailing government responded with an inadequate number of poorly equipped firefighters. Another study from last week examined the impact of wildfires on soil health.
Flooding and “cold lava” killed 50+ in Indonesia, injuring dozens and displacing several thousand. Cold lava is a mixture of water and rocks tumbling down the side of a volcano. Meanwhile, an actual volcano erupted in Indonesia, sending smoke & ash 5000m high; further eruptions are possible soon.
The Swiss Re Institute published a 37-page report last week about natural disasters in 2023—and how much damage, in USD, they caused. The largest catastrophe was the February 7.8 earthquake in Türkiye & Syria, which killed 59,000+ people and caused $163B+ in damage. The report is full of interesting graphics & data about natural disasters.

“Last year, economic losses from natural catastrophes reached USD 280 billion, meaning that 62% of the global losses were uninsured….the insured losses surpassed USD 100 billion for the fourth consecutive year….annual insured losses will grow by 5–7% over the long term…today’s insured losses could double in 10 years….There were 142 insured-loss inducing catastrophes in 2023, a new record. Most were of medium severity, which we define as events resulting in losses of USD 1–5 billion….Over the last 30 years, we estimate that natural catastrophe insured losses have grown by 3 percentage points more annually than the global economy (in inflation adjusted terms)...”

Flooding and heat waves are impacting Brazil’s oranges, responsible for about 70% of the world’s supply. One food analysts declared that the “era of cheap food is over”—in the UK, at least. That may be one reason why UK residents took record food bank packages last year. Madagascar is struggling to adapt to a future with far less rainfall.
France is growing more concerned about a dam on Lake Geneva, controlled exclusively by Switzerland. The Rhône River, which begins in Switzerland and flows south through France, is shrinking in summers as climate change melts Switzerland’s remaining glaciers.
The Tonlé San River has been dammed in Vietnam, lowering the level in Cambodia and sometimes drying the river downstream entirely. Meanwhile, China’s lychee harvest is getting blasted by rain, impacting the world’s largest source of lychee. And, once again, Saudi Arabia is suffering flooding in its inland regions. 7 dead in historic flooding in Iran.
The eminent climate scientist James Hansen posted that, since “human-made aerosols and their cooling effect are in decline,” the cooling effect of La Niña will be counterbalanced by these rising temperatures. He also identifies a “large anomaly of increased absorbed solar radiation at midlatitudes in the Northern Hemisphere” responsible for rising temperatures there. CO2 levels are rising faster today than they have at any point in the previous 50,000 years…and a study of millennia-old trees determined last summer was the hottest worldwide in 2,000+ years…
Record nighttime May temperatures were tied in the Philippines and Vietnam. A couple Indonesian cities broke records for May temperatures. And a number of southern African states saw more records drop. And Toronto saw a record tied for the number of days reaching 14 °C (57 °F). A heat wave has returned to Bangladesh. Flooding in Cali (pop: 2.9M), Colombia.
The University of Washington was ordered to stop a geoengineering project that scientists sere conducting from the deck of a decommissioned aircraft carrier. The experiment ejected aerosolized saltwater in an attempt to reflect solar radiation. A comparative study in Nature Communications of a number of carbon pricing found that, yes, carbon pricing does work to reduce the total CO2 emitted.
It’s that time of the year again. Wildfires in Canada grow, some of which are moving towards the tar sands—forcing thousands to evacuate. 39 of the total nation’s blazes are “out of control,” resulting in air quality alerts in the United States. Meanwhile, across the Caribbean, water shortages have become the new normal, and residents (and tourists) are finding their old consumption habits hard to change. St. Lucia has declared a water emergency. In Myanmar, water shortages worsen, particularly as related to the spiraling conflict.
At least ⅛ of Europeans live in a place at risk of extreme flooding—so says a 175-page report from the European Environment Agency posted on Wednesday. The number of people living in flood-risk coastal areas in the EU & UK is expected to jump 24% by 2050. The graphics-packed report also considers how flooding will impact healthcare facilities, mental health, wastewater treatment plants, the spread of disease, cyanobacteria, permafrost thaw, and much else.

“Europe has seen devastating floods following record rainfall, droughts of magnitudes not experienced in hundreds of years, continuing sea level rise, and increasing lake and sea temperatures….permanent water stress already affects 30% of people in southern Europe….since 2018, more than half of Europe has been impacted by extreme drought conditions….Climate change is expected to increase mercury bioaccumulation in the marine food chain due to rising ocean temperatures, ocean acidification and permafrost thawing….Depression, anxiety and PTSD may persist for years after a flooding event….Under the changing climate, northern Europe is becoming wetter in general, but drier in summer. Southern Europe is becoming drier, especially in winter. For central-eastern and western Europe, the trend is less clear…” -selections from the report

Milan suffered flooding last week, the worst May flooding in 170 years. Early spring in the UK has disrupted migratory bird species and their usual patterns.
A 74-page working paper which is not yet peer-reviewed claims that earlier estimates for how much GDP would be impacted by another 1 °C temperature rise is way less than it would be in actuality. The paper claims the real cost (in USD) is about 6x greater. They claim “global temperature has much more pronounced impacts on economic activity than local temperature” and that extreme weather is mostly behind the projected decline in productivity.
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Epidemiologists are worried about how climate change in Africa may extend the life of disease-bearers like ticks and mosquitoes. Other epidemiologists are worried about how cattle may become a permanent reservoir for H5N1. Growing traced of bird flu have been found in wastewater testing in the U.S., but investigators think it may be runoff from infected dairy farms.
Obesity, high blood sugar, and high blood pressure rates today globally are 50% higher than in 2000—though researchers claim that air pollution still poses a larger threat. Of a study participants in Hawai’i, 75% had respiratory issues, probably from the Maui wildfires last year.
The 2024 World Migration Report is out, and its 384 pages are not as apocalyptic as one might think. However, internally displaced people are at their all-time highest. India, Mexico, Russia, China, and Syria lead the world in emigrants; another document contains the definitions for who exactly constitutes a migrant. Unfortunately much of the data relied upon ends in 2022. Data from this year, not included in the above report, indicates a 40% jump in traffic through the Darien Gap compared to the same time period in 2023.

“The last two years saw major migration and displacement events that have caused great hardship and trauma, as well as loss of life….There have also been large-scale displacements triggered by climate- and weather-related disasters in many parts of the world in 2022 and 2023, including in Pakistan, the Philippines, China, India, Bangladesh, Brazil and Colombia….disinformation tactics are increasingly being used by nefarious actors with negative impacts on public, political and social media discourse on migration….Forced displacement is the highest on record in the modern era…overconsumption and overproduction linked to unsustainable economic growth, resource depletion and biodiversity collapse, as well as ongoing climate change (including global heating) are continuing to grip the world….the risk of further conflict has not been higher in decades, as military spending reached a new record high of USD 2,240 billion in 2022…” -excerpts from the introduction

Another report, focusing on internal displacement, came out last week; its 69 pages show a cross-section of about 47M people displaced by natural disasters (56%) or armed conflict (44%). Most of the disasters were storms & flooding, and most of the conflicts were civil wars of some form. This report also provides detailed region-by-region analyses—with sub-Saharan Africa accounting for 46% of global IDPs.

“Conflict and violence triggered 13.5 million movements, the highest figure for the past 15 years….Disasters and conflict are presented as different triggers, but their impacts can overlap, often leading to repeated and/ or protracted displacement….Drought triggered 331,000 displacements in Somalia….Floods triggered 550,000 displacements in Ethiopia….Conflict and violence triggered 3.8 million displacements in DRC in 2023, a slight fall from the record four million in 2022, but still the second-highest figure globally after Sudan….nearly two-thirds of the internal displacements recorded in 2023 originated from Khartoum state. More than 39 per cent of the state's inhabitants were forced to flee, leaving entire neighbourhoods empty….Criminal and communal violence triggered nearly three-quarters of Nigeria's 291,000 conflict displacements….” -selections from the spotlight on sub-Saharan Africa

Experts are concerned about the mental health impacts that climate change has on our minds. Hotter temperatures reportedly increase depression & aggression. Wildfires and storms can cause PTSD. Workers feel stress and desperation as their usual industries are impacted. And air pollution influences ordinary brain processes in many ways.
Some analysts believe “Peak China” may be over, signaling a period of economic tapering-off, as well as a growing militancy. Increasing U.S. tariffs on Chinese goods are continuing to separate the two economies. The Netherlands finally formed a provisional government, though its proposed immigration & farming policies have set it at odds with the EU.
The Federal Reserve, the U.S. central bank, released a 46-page report on potential climate risks to the banking system’s resilience. As far as I understood, most of the risk lies in extreme weather events and the risk to insurance agencies.
Part of southeast England experienced an outbreak of Cryptosporidium, a diarrhea & vomiting illness, highly contagious, which can last weeks. At least 22 cases have been reported. Meanwhile, the CDC is issuing warnings about the more dangerous strain of monkeypox circulating in the DRC, although cases are currently limited to Africa.
North Carolina’s Senate voted to ban mask-wearing last week, under the reasoning that it would make police identification of protestors difficult. An fMRI study found lasting neurological changes in COVID survivors; they “had significantly higher cognitive complaints of mental fatigue and cognitive failure….even two years after recovering.” Experts say a summer rise in COVID cases is coming to the United States.
A study on The Canadian/American Great Lakes found that PFAS levels are increasing in the 3 largest lakes (Superior, Huron, and Michigan), while decreasing in the other two (Erie, Ontario). The study also found that precipitation is the primary means by which the Lakes are accumulating PFAS, since the chemicals are small & stable enough to move through the water cycle. Meanwhile, in England’s Lake District, a telecom failure resulted in raw sewage being pumped into England’s largest and most famous lake, Windermere, on-and-off for 10 hours; and a major British water CEO took a $4M USD pay package last year. And a look into the Chicago River’s health found that microplastics & trash are endangering health & biodiversity.
——————————
An assassination attempt by a lone wolf on Slovakia’s PM left him in critical condition, but likely to survive. 11 civilians were slain by cartel fighters in a few battles in Mexico. Violence continues to spiral out of control in Goma, DRC.
In Haiti, everything worsens indefinitely. Guns have reportedly entered from Florida, a phenomenon which officials call an “iron river.” Police have been put on the defensive against the growing might of the gang warlords.
A brawl broke out in Taiwan’s parliament. An Iranian plot was allegedly foiled to smuggle weapons into Jordan to destabilize the pro-U.S. regime.
Dozens more died in Sudan from escalating violence around Darfur. People are warning about “a disaster on top of a disaster” and the possibility of Sudan splitting apart. Others have called it “hell on earth” as 1,000+ refugees cross the Chad border every day. Disease and malnutrition are growing, while famine encroaches upon 9M helpless victims of the conflict—but the world’s attention is elsewhere.
The U.S. Army Engineers completed constructing the pier in Gaza to deliver humanitarian aid. Some 600,000 Gazans have been displaced from Rafah already, and fighting has escalated against Hamas militants in northern Gaza.
Taliban forces skirmished with Pakistani soldiers for about 90 minutes last week. Taliban attacks in Pakistan, and counterattacks have resulted in a kind of ambient disruption for the rocky border zone.
Violent protests—and counteroperations—are continuing in New Caledonia (pop: 270,000), a Pacific island part of overseas France. The riots, which have killed 6 people so far, began after metropolitan France proposed a plan to expand voting rights beyond indigenous residents. A state of emergency has been declared amid worries about a spiral of violence taking hold.
As the Sahel dries out, experts are concerned about the links to rising terrorism in the region. The Sahel accounts for over 40% of global terrorism deaths—according to the analysts’ understanding of “terrorism.” Mali in particular has reportedly become home to 41 new, different non-state armed groups (NSAGs) since 2007. A contested election in Chad resulted in the consolidation of the interim leader’s power.

“If governments are continually unable to solve regional issues, the people will be at the whim of any terror group that has a basic organization. It serves these groups’ interests to promote insecurity where they can and create security where they want. A “hearts and minds” campaign in the Sahel could lead to long-term and locally supported insurgencies in a land that is currently rife with civil strife.” -from the article

Some wargamers concluded that a Trump victory in 2020 would spell the end of NATO, or at least the end of its utility. Vladimir Putin replaced his minister of defense with a top economic advisor, just before going to Beijing to reaffirm their friendship with “no limits.” Some say Putin is planning on a forever war. Some say NATO is gearing up for one, too.
Russia made several gains in the suburbs of Kharkiv, seizing several settlements which some analysts doubt they will hold. Putin claims they aren’t really trying to take Kharkiv anyway… Russia also made small progress in the Donbas—although they suffered their largest one-day casualties since the start of the war. The U.S. allocated another $2B to hasten the delivery of weapons to the front lines. The next weeks will be crucial on the front. Switzerland has invited 160+ nations to send delegates to a peace summit intended to design a path to making peace in this War.
——————————
Select comments/threads from the subreddit last week suggest:
-Brazil’s flooding was really, really bad, judging from this post and its accompanying images. Across just one of Brazil’s 26 states, 600,000+ people have been made homeless, 100+ have died, and the storm season isn’t over yet. Some of the flooding isn’t expected to subside for another month.
-How specifically might climate change make humanity extinct? This thread crowdsources a number of plausible ways, from ordinary famines to nuclear war and even a massive deoxygenation process. I tend to think it will be a consequence of an eventual nuclear exchange, followed by extended famine and disease.
Got any feedback, questions, comments, complaints, upvotes, doom prophets to follow, hugelkultur guides, directions to off-grid bunkers, ark schematics, etc.? Check out the Last Week in Collapse SubStack if you don’t want to check collapse every Sunday, you can receive this newsletter sent to your (or someone else’s) email inbox every weekend. What did I forget this week?

Me (25M) and my gf (25F) has been together for more than 6 years. We survived long-distance relationship for the first 3 years and had a amazing relationship for the subsequent 3 years. She is my best friend, close confidant and we cannot imagine our lives without each other. We rarely ever argues and our personality complements each other, and our friends too always said we are a perfect couple. Essentially, she's the perfect one for me.
Initially, my parents loved her a lot too. They always showered her with gifts and really supported us being together. In fact, my parents had been nagging us to get married soon.
However, my gf is a carrier of BRCA-2 gene mutation, which means, she will be at a higher risk of getting breast cancer and ovarian cancer in the future.
I am well aware of her condition and am ready to support her and walk with her, as her future husband. We planned everything we needed to do: such as getting IVF done to prevent the gene from being passed down and her getting her breasts removed to prevent cancer from developing.
Unfortunately, I decided to tell my parents about my gf's gene mutation, hoping to get their understanding and support. However, they did not take it lightly. My mom threw a massive fit and demanded me to leave my girlfriend immediately. Essentially, they don't want my girlfriend to be "imperfect" and they don't want me to potentially suffer from taking care of my gf in the future such as bringing her to hospital appointments and stuff. They also said that the costs of IVF and her treatment can be too expensive (even though we have medical insurances already) and denied us together.
My girlfriend had been really heartbroken because of this but she's still willing to put up with my parents if it means us getting married and be together.
Today, my mom has placed an ultimatum on me: either leave my girlfriend or be disowned by them (I am their only son btw). I love my girlfriend too much and I can't imagine breaking up with her. I also do feel it is way too cruel to leave my girlfriend JUST because of her genetic predisposition to cancer.
So, I don't know what to do. Any advice will be appreciated!
TL,DR: my gf and I had a 6-year strong relationship together and my parents loved her. But my gf has a genetic mutation that places her at higher risk of getting cancer in the future. Now my parents is asking me to either leave her just because of her cancer risk or be disowned by family. What should I do?

I had the main wiring harness of my 2021 ID4 Pro S damaged by mice. A new harness won’t be ready for 10 - 12 weeks. Insurance covers most of the repair cost and roughly 1 month of car rental. Anyone have this issue before, and were you able to get the dealership or VW to provide a free loaner vehicle? I don’t think I should bear the 2 month car rental cost because it takes VW 3 months to get a wiring harness.
Any ideas appreciated.

So, for context, I have this best friend. I am on her phone plan. I have been paying for the full bill every month since August 2023. She has recently added a line for her boyfriend, who then broke the new phone. She has since added a 4th line in order to get him another phone, because the insurance for his phone did not cover the damage. So in total, there are 4 lines on her phone plan. In the past, it seems like she never worried about me, or cared what happened to me, during distressing events. I have done a lot for her, and never held any of it over her, or thrown it in her face. She has been my best friend for several years, and I care about her a lot. However, after the 1st year of our friendship, she began to only contact me when needing help, or a favor. She took me for granted. I love her to pieces, but I feel as though they are going to avoid paying their part of the phone bill, and I cannot afford to pay for 4 lines by myself. If I switch my number to a different service, it will cause her to be charged for the remaining balance on the device I am making monthly payments on through the carrier. Am I the asshole if I switch services in order to not be stuck paying for her entire bill every month?

https://imgur.com/a/b39tBNk
Up for sale is a custom built Ryzen 9 5900x and RTX 3070 PC. Been used for under a year and is in great condition. Windows is not activated. Specs are as follows:
CPU: Ryzen 9 5900x
MOBO: Gigabyte B550 AORUS PRO AC
RAM: 2x8GB Corsair 3600mhz CL18
SSD: Samsung 980 1tb SSD
GPU: Zotac RTX 3070
CPU Cooler: Arctic Liquid Freezer 280mm AIO
3 front 120mm case fans and 1 rear 120mm fan
PSU: Corsair CX650M 80+ Bronze PSU
Looking for $750 shipped and insured with GPU in separate packaging for safety.
Local is 11598 for $700
EDIT: SOLD

We haven’t had a lot of reddit money diaries lately and I was curious about how much I spent on her in the first 6 months, so I did this to tally up! I’ve done MD before so I’m just going to do a very quick summary here: I have a masters degree, in workforce last 2 years, I was making $100,000 til a layoff in late April. I have roughly $12k in retirement, $16k in checking, and $27k in savings. No debt. I adopted Cordelia 11/11/2023 and the bulk of expenses, though not all of them, are split with my sisteroommate. If not otherwise noted, assume the total was split 50/50 between us. In the interest of tracking full costs, I will only be noting the totals.
Upfront Costs/Adoption Story
I came in knowing I wanted an adult cat and that special needs wasn’t a dealbreaker, and it was truly love at first sight when I met Cordelia (nee Socks). She was 6 years old and recently re-surrendered to the shelter after her owner, an elderly Eastern European woman, moved back to her home country. She had a rough backstory, grew up in a hoarder home and was found and brought to the shelter when the home caught fire and firefighters found literally over a hundred cats in cages. In addition to being less appealing to potential adopters because of age, she was suffering from dandruff mostly due to being overweight and was/is on a prescription diet for proteinuria. Nevertheless, she is a gentle, loving, total couch potato of a cat who adores being brushed and touched by humans.
The shelter is pay what you wish, and I made a $100 donation to the shelter (not split). Additionally, I had no cat supplies, so before I brought her home I went to my local pet store. I had a $100 gift card that I won in a raffle to benefit a pitbull rescue, but still paid $44.99 out of pocket for a haul that included a litter box, 20 lb bag of litter, a cat condo (that she never even touched, naturally), Litter Genie, and a bag of Litter Genie refills. I did not need to pay for a carrier at this point because the shelter provided one.
Category Total: $144.99
Pet Insurance
$25/month, through Healthy Paws, not much to say.
Category Total: $150
Toys and Accessories
Other than the cat condo previously noted, I spent $51 at PetSmart (not split) on a harness and some random toys. As usual, she does not like any of these toys and only wants to play with my dirty socks. This purchase also included a slicker brush because she loves the brushie. For $2 at TJ Maxx I got her a scratch pad that she loved and scratched to death and I replaced for another $2 later on. At one point she scratched my doorframe so I got a scratching post with a built-in brush at the base and also got more Litter Genie bags for a $50 pet store visit. In January I returned to the pet store yet again and bought a water fountain for $30, which was another dud. Last month I bought her a set of raised food/water bowls for $20 and pleased to say they actually increased her water intake! I also bought a Furminator for $20 as the season change has made her quite scrunkly. Finally, I’ve spent $110 on alternative carriers because the one from the shelter is pretty awkward and heavy. I got a backpack carrier for vet visits and today I ordered a rolling carrier to try and bring her on public transit to my parents’ house.
This total does not include things my parents bought for their grandkitty, such as a cat bed that looks like a present box, or random small toys that I paid for in cash. This stuff is also not split because it was all me being silly and extra.
Category Total: $258
Food
This is also sort of a recurring cost, but as I mentioned, she is on prescription urinary food. Though maybe not for much longer because she had a bladder test Friday! Every 48 days, I pay $122 for two 24 packs of her wet food. She eats a can a day and also gets a tiny bit of prescription dry food so she doesn’t spend all night bugging me. The shelter did send me home with what they had of her prescription. The total spent on her food thus far is slightly higher than the recurring cost because I had to replace the dry food once.
Category Total: $545
Vet Visits
As part of her pet insurance coverage, I needed to bring her in for a comprehensive physical exam within 30 days of adoption. I brought her to a local vet and paid $217 for a physical exam. The vet found that she had ear mites, presumably from the shelter environment, so this total includes an ear cleaning and preventative mite treatment. This also includes a fecal analysis. Two weeks later, we decided to get Cordelia microchipped, which was $295 including the actual procedure and the registration fee with Pettrac.
This past Friday, Cordelia had another vet visit. This was primarily because she’s due for a rabies vaccine in May, but we also opted to do her annual physical so both those appointments would be on the same schedule and she won’t need to go in every 6 months for routine stuff. The total here was $346, of which $125 was the urinalysis. In addition to the urinalysis, physical, and rabies shot, I also got her a gabapentin prescription to hopefully avoid peeing/pooping/vomiting on car rides.
Category Total: $858
Grand Total: $1955.99
Reflections
Sorry not sorry for being a crazy cat lady. I have some photos in my post history of Cordelia, she truly lights up my life and my/my sister’s apartment. There’s a new coziness and warmth that wasn’t there before she came home. As I type this MD, she’s next to me on my bed making biscuits. Also, she's down nearly 1.5 lbs since I brought her home! She still has a bit to go to get to a healthy weight but she's noticeably improved at grooming herself.
tax

~RIGL Thesis – 5/18/2024~
Outstanding Shares 175M
131 Institutional Holders
111,129,461 Total Shares Held
63.36% Institutional Ownership
Total Cash on Hand 3/31/2024 = $49.6M
Total Debt: $101.5M
Cash Burn Approximate = $8M per quarter (6 quarters of cash without any increases in revenue)
Q12023 REV = $26M
Q22023 REV = $26.8M
Q32023 REV = $28.1M
Q42023 REV = $35.8M
Q12024 REV = $29.5M (Decline from Q4 likely from end of year versus new-year tracking of Rx and shipments of drugs, resetting of Copays)
Most Recent EPS -$0.05 per share
May 22, 2024 - Vote on S will take place, caution
~Statistics Applicable To Thesis~
333.3 million US Population (2022)
8,109,679,892 Global Population (2024)
~Drugs On Market~
~Tavalisse – Treatment for ITP, FDA Approved April 17, 2018~
~What is ITP?~
Immune thrombocytopenia (ITP) is an illness that can lead to bruising and bleeding. Low levels of the cells that help blood clot, also known as platelets, most often cause the bleeding.
Once known as idiopathic thrombocytopenic purpura, ITP can cause purple bruises. It also can cause tiny reddish-purple dots on the skin that look like a rash.
Children can get ITP after a virus. They most often get better without treatment. In adults, the illness often lasts months or years. People with ITP who aren't bleeding and whose platelet count isn't too low might not need treatment. For worse symptoms, treatment might include medicines to raise platelet count or surgery to remove the spleen. Immune thrombocytopenia (ITP) - Symptoms and causes - Mayo Clinic
~What is Tavalisse?~
TAVALISSE is a prescription medication used to treat adults with low platelet counts due to chronic immune thrombocytopenia (ITP) when a prior treatment for ITP has not worked well enough. It is not known if TAVALISSE is safe and effective in children.
The cost for Tavalisse oral tablet 100 mg is around $15,404 for a supply of 60 tablets, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
Tavalisse Prices, Coupons, Copay & Patient Assistance - Drugs.com
TAVALISSE IS AN ORAL MEDICATION TAKEN TWICE DAILY WITH OR WITHOUT FOOD¹
A 12-week evaluation period is recommended
60 tablets = 1 month supply, evaluation period = 3 months, Cost for 3 months = $46,212 Cash, assuming cheaper through wholesale, insurance, discount cards, etc.
Dosing TAVALISSE® (fostamatinib disodium hexahydrate) tablets (tavalissehcp.com)
~Addressable Market~
“Our findings suggest that nearly 20,000 children and adults are newly diagnosed with ITP each year in the US, substantially higher than previously reported. Among patients requiring formal medical care, the economic burden during the first 12 months following diagnosis is high, with estimated US expenditures totaling over $400 million.”
Primary immune thrombocytopenia in US clinical practice: incidence and healthcare burden in first 12 months following diagnosis - PubMed (nih.gov)
The estimated prevalence of ITP in the United States is 9.5 per 100,000 people, with a global prevalence of over 200,000 people at any given time [1].
Immune thrombocytopenia. [ Oct; 2022 ]. 2022. https://rarediseases.org/rare-diseases/immune-thrombocytopenia
~Author Calculations/Estimates~
ITP estimated cases based on measured statistics 31,635 cases a year in the US and 770,355 cases globally each year.
~Rezlidhia – R Acute Myeloid Leukemia, FDA Approved December, 22, 2022~
~What is Relapsed or Refractory Acute Myeloid Leukemia?~
Relapsed, or recurrent, acute myeloid leukemia (AML) means the leukemia has come back after treatment and remission.
Refractory AML means the leukemia did not respond to treatment. Complete remission has not been reached because the chemotherapy drugs did not kill enough leukemia cells.
Both relapsed and refractory AML need more treatment to reach complete remission.
Your healthcare team will suggest treatments based on your needs and work with you to develop a treatment plan. Some factors considered for your treatment include:
your age
your health
how long the leukemia was in remission
treatments you had before
where the leukemia comes back
Treatment options usually include chemotherapy and a stem cell transplant if possible. Targeted therapy may also be used.
Treatments for relapsed or refractory acute myeloid leukemia Canadian Cancer Society
~What is IDH1?~
Somatic mutations in isocitrate dehydrogenase (IDH) genes occur frequently in adult Acute myeloid leukemia (AML) and less commonly in pediatric AML… Enhanced genomic and epigenomic profiling of acute myeloid leukemia (AML) has led to identification of recurrent mutations that are prognostic and are candidates for targeted therapy. Somatic mutations in isocitrate dehydrogenase (IDH) genes, IDH1 and IDH2, occur in ∼6% to 16% and ∼8% to 19% of adult patients with AML, respectively.^1-5 In pediatric AML, IDH mutations are rare, occurring in <4% of patients.^6-11
Characteristics and prognostic impact of IDH mutations in AML: a COG, SWOG, and ECOG analysis Blood Advances American Society of Hematology (ashpublications.org)
~What is Rezlidhia?~
REZLIDHIA is a prescription medicine used to treat adults with acute myeloid leukemia (AML) with an isocitrate dehydrogenase-1 (IDH1) mutation when the disease has come back or has not improved after previous treatment(s).
Targeted Treatment REZLIDHIA® (olutasidenib) capsules
The cost for Rezlidhia oral capsule 150 mg is around $17,468 for a supply of 30 capsules, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
Rezlidhia Prices, Coupons, Copay & Patient Assistance - Drugs.com%20is%20a%20member,on%20the%20pharmacy%20you%20visit.)
~Addressable Market~
The annual incidence of new cases in both men and women is approximately 4.3 per 100,000 population, totaling over 20,000 cases per year in the United States alone.[13] The median age at the time of diagnosis is about 68, with a higher prevalence observed among non-Hispanic Whites. Furthermore, males exhibit a higher incidence compared to females, with a ratio of 5:3.
Acute Myeloid Leukemia - StatPearls - NCBI Bookshelf (nih.gov)
~Author Calculations/Estimates~
Cases of AML with IDH1 would be 11% based on the median of statistics above (6% to 16%) leaving approximately 1500 to 2000 cases a year in the US. Appling the same calculations to world population would amount to approximately 38,500 cases a year globally.
~Gavreto – Treats RET+ Non-Small Cell Lung Cancer In Adults and RET+ Thyroid Cancer in Kids and Adults, FDA Approved August 9, 2023~
For the sake of common ground, I am going to assume these types of cancers do not need to be elaborated on as we all likely have a basic understanding of what they are. The medical conditions treated by Tavalisse and Rezlidhia I felt needed a more in-depth explanation because they are not common. I will elaborate on RET+ a little later in this writing.
~What is Gavreto?~
GAVRETO is an oral once daily prescription medicine used to treat certain cancers caused by abnormal rearranged during transfection ~(RET+)~ genes in:
Adults with non-small cell lung cancer (NSCLC) that has spread
Adults and children 12 years of age and older with advanced thyroid cancer or thyroid cancer that has spread who require a medicine by mouth or injection (systemic therapy) and who have received radioactive iodine and it did not work or is no longer working*
It is not known if GAVRETO is safe and effective when used to treat cancers caused by abnormal RET genes in children for the treatment of NSCLC or in children younger than 12 years of age for the treatment of thyroid cancer.
Home GAVRETO® (pralsetinib)
The cost for Gavreto oral capsule 100 mg is around $11,745 for a supply of 60 capsules, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
The recommended dosage for adults and children 12 and over is 400mg orally once daily. Each capsule is 100mg, which means you will take 4 capsules. Gavreto should be taken on an empty stomach, at least 1 hour before or 2 hours after a meal.
Gavreto Prices, Coupons, Copay & Patient Assistance - Drugs.com
~What is Rearranged During Transfection Positive (RET+)?~
RET-positive cancer is caused by a mutation or abnormal re-arrangement of the RET gene. It occurs most commonly in lung cancer and several types of inherited and sporadic thyroid cancers. RET alterations also occur in an estimated 1-2% of multiple other cancers, including ovarian, pancreatic, salivary, breast, and colorectal cancers.
RETpositive Empowering Patients and Driving Research
Rearranged during transfection (RET) rearrangements were first identified as oncogenic drivers in NSCLC in 2012. The proportion of patients with NSCLC who have RET rearrangements (ie, fusion-positive disease) is approximately 1%-2%.
RET Fusion-Positive Non-small Cell Lung Cancer: The Evolving Treatment Landscape The Oncologist Oxford Academic (oup.com)
RET alterations occur most commonly in lung cancer (non-small cell lung cancer (NSCLC)) and the number of new cases diagnosed each year is considerable, accounting for approximately 37,500 [IG1] cases worldwide and 4,000 cases in the US (2% of NSCLC) (2,3). RET alterations are also common in several types of inherited and sporadic thyroid cancers and can occur in other types of cancers like ovarian, breast, pancreatic, and colorectal cancers, among others (4-8) adding >110,000 cases yearly worldwide (9).
What is RET Positive Lung Cancer? - The Happy Lungs Project
(2) Although medullary thyroid carcinoma represents 5-10% of all thyroid cancers, activating RET gene abnormalities occur in over 90% of hereditary and approximately 40%-60% of sporadic medullary thyroid carcinoma cases.
Patients – RETpositive%20Although%20medullary%20thyroid%20carcinoma,sporadic%20medullary%20thyroid%20carcinoma%20cases.)
~Prevalence of Non-Small Cell Lung Cancer~
Most lung cancer statistics include both small cell lung cancer (SCLC) and non-small cell lung cancer (NSCLC). In general, about 10% to 15% of all lung cancers are SCLC, and about 80% to 85% are NSCLC.
Lung cancer (both small cell and non-small cell) is the second most common cancer in both men and women in the United States (not counting skin cancer). In men, prostate cancer is more common, while breast cancer is more common in women.
The American Cancer Society’s estimates for lung cancer in the US for 2024 are:
About 234,580 new cases of lung cancer (116,310 in men and 118,270 in women)
About 125,070 deaths from lung cancer (65,790 in men and 59,280 in women)
Lung Cancer Statistics How Common is Lung Cancer? American Cancer Society
Worldwide, an estimated 2,206,771 people were diagnosed with lung cancer in 2020. These statistics include both small cell lung cancer and NSCLC.
Lung Cancer - Non-Small Cell: Statistics Cancer.Net
~Author Calculations/Estimates~
Approximately 187,664 cases of NSCLC in the US based on an 80% factor.
Approximately 1,765,416 cases of NSCLC worldwide based on an 80% factor.
~Prevalence of Thyroid Cancer~
Rate of New Cases and Deaths per 100,000: The rate of new cases of thyroid cancer was 13.5 per 100,000 men and women per year. The death rate was 0.5 per 100,000 men and women per year. These rates are age-adjusted and based on 2017–2021 cases and 2018–2022 deaths.
Lifetime Risk of Developing Cancer: Approximately 1.2 percent of men and women will be diagnosed with thyroid cancer at some point during their lifetime, based on 2017–2019 data. Lifetime risk based on data through 2022 will available soon.
Prevalence of This Cancer: In 2021, there were an estimated 979,295 people living with thyroid cancer in the United States.
Thyroid Cancer — Cancer Stat Facts
About 44,020 new cases of thyroid cancer (12,500 in men and 31,520 in women)
About 2,170 deaths from thyroid cancer (990 in men and 1,180 in women)
Thyroid cancer is often diagnosed at a younger age than most other adult cancers. The average age when a person is diagnosed with thyroid cancer is 51.
This cancer is about 3 times more common in women than in men. It is about 40% to 50% less common in Black people than in any other racial or ethnic group.
Key Statistics for Thyroid Cancer American Cancer Society)
Addressable Market
Given Gavreto’s dual treatment capacity, the total amount of potential patients with NSCLC with RET+ indications would be approximately 2,800 cases in the US and approximately 26,500 cases worldwide each year using a factor of 1.5% of total NSCLC cases. The total amount of treatable cases for Thyroid Cancer would be approximately 650 in the US and 16,500 cases worldwide respectively each year applying the same 1.5% RET+ percentage rate. DOUBLE CHECK MATH…
~Rigel Pharmaceuticals Pipeline~
~IRAK/4 – Clinical Trials~
Rigel’s investigational candidate, R289, is an oral, potent and selective inhibitor of interleukin receptor-associated kinases 1 and 4 (IRAK1/4).
Toll like receptors (TLRs) and the interleukin 1 receptor family (IL-1Rs) play a critical role in the innate immune response and dysregulation of these pathways can lead to a variety of inflammatory conditions such as psoriasis, rheumatoid arthritis, and inflammatory bowel disease. Chronic stimulation of both receptor systems has also been implicated in causing a pro-inflammatory bone marrow environment leading to persistent cytopenias in lower-risk myelodysplastic syndrome (LR-MDS) patients1.
R835 is a selective dual inhibitor of IRAK1/4 that blocks TLR4 and IL-1R-dependent systemic cytokine release. In preclinical studies, R835 demonstrated activity in multiple animal models of inflammatory disease2,3 and showed that dual inhibition of IRAK1 and IRAK4 provided more complete suppression of inflammatory cytokines when compared to an IRAK4-selective inhibitor4.
Development of R289:
In a Phase 1 clinical trial, R835 was well tolerated and inhibited LPS-induced inflammatory cytokine production in healthy volunteers, demonstrating proof-of-mechanism.5 Phase 1 clinical studies of R289 (an oral prodrug that is rapidly converted to R835 in the gut) are also complete.
A Phase 1b open-label, multicenter trial of R289 in patients with relapsed/refractory lower-risk MDS is currently enrolling (NCT05308264). The primary endpoint for this trial is safety with key secondary endpoints including preliminary efficacy and evaluation of pharmacokinetic properties.
~Bemcentinib – Bergenbio Partnership~
In June 2011, Rigel entered into an exclusive, worldwide research, development and commercialization agreement with BerGenBio for its investigational AXL receptor tyrosine kinase (AXL) inhibitor, R428 (now referred to as bemcentinib).
Bemcentinib is a potent, selective and orally bioavailable AXL inhibitor and the furthest along in clinical trials. In preclinical studies, bemcentinib was shown to have an effect as a single agent therapeutic in the prevention and reversal of acquired resistance to standard of care cytotoxics and targeted therapies and may also slow or prevent tumor metastasis.
Rigel received an upfront payment and is eligible for milestone payments and potential sublicensing revenue, as well as tiered royalty payments on any future net sales of products emerging from the collaboration.
~R552 Systemic – Eli Lilly Partnership~
Rigel’s investigational candidates are oral, potent and selective inhibitors of receptor-interacting serine/threonine-protein kinase 1 (RIPK1).
RIPK1 is a critical signaling protein implicated in a broad range of key inflammatory cellular processes including necroptosis, a type of regulated cell death, and cytokine production. In necroptosis, cells rupture leading to the dispersion of cell contents, which can trigger an immune response and enhance inflammation. RIPK1 inhibition has therapeutic potential in treating autoimmune, inflammatory, and neurodegenerative disorders.
Rigel’s RIPK1 inhibitor program includes R552, a systemic molecule being developed for the treatment of autoimmune and inflammatory disorders, and brain penetrating RIPK1 inhibitors for central nervous system (CNS) diseases. In preclinical studies, R552 demonstrated prevention of joint and skin inflammation in a RIPK1-mediated murine model of inflammation and tissue damage.
Development of R552:
In Q2 2023, the initial Phase 2a trial (NCT05848258) in moderately to severely active rheumatoid arthritis (RA) was initiated by partner Eli Lilly.
Development CNS-penetrating RIPK1 inhibitors:
Currently in preclinical studies.
~Milademetan – Daiichi Sankyo Partnership~
Rigel has a long-standing collaboration with Daiichi-Sankyo for developing murine double minute 2 (MDM2) protein inhibitors in cancer, which were discovered in Rigel’s laboratories.
Preliminary safety and efficacy data from an early Phase 1 study of milademetan (formerly DS-3032), an oral selective MDM2 inhibitor, in hematological malignancies suggests that it may be a promising potential treatment for oncology indications.
Rigel received an upfront payment and is eligible for milestone payments, as well as tiered royalty payments on any future net sales of any products emerging from the collaboration.
~Rxxx (CNS Penetrant) – Eli Lilly Partnership~
Rigel’s investigational candidates are oral, potent and selective inhibitors of receptor-interacting serine/threonine-protein kinase 1 (RIPK1).
RIPK1 is a critical signaling protein implicated in a broad range of key inflammatory cellular processes including necroptosis, a type of regulated cell death, and cytokine production. In necroptosis, cells rupture leading to the dispersion of cell contents, which can trigger an immune response and enhance inflammation. RIPK1 inhibition has therapeutic potential in treating autoimmune, inflammatory, and neurodegenerative disorders.
Rigel’s RIPK1 inhibitor program includes R552, a systemic molecule being developed for the treatment of autoimmune and inflammatory disorders, and brain penetrating RIPK1 inhibitors for central nervous system (CNS) diseases. In preclinical studies, R552 demonstrated prevention of joint and skin inflammation in a RIPK1-mediated murine model of inflammation and tissue damage.
Development of R552:
In Q2 2023, the initial Phase 2a trial (NCT05848258) in moderately to severely active rheumatoid arthritis (RA) was initiated by partner Eli Lilly.
Development CNS-penetrating RIPK1 inhibitors:
Currently in preclinical studies. Pipeline :: Rigel Pharmaceuticals, Inc. (RIGL)
~Summary and Prediction~
The current share price of sub $1 does not feel justified. I would anticipate financial breakeven by the end of 2024 or potentially in Q1 or Q2 of 2025. The robust pipeline, progress, and expected revenue growth are enough to justify a much higher valuation. The debt load is manageable, but the potential for S is concerning. I believe that the S is not necessary and revenue growth and progress should speak for itself. I am not as bullish as the analysts at HC Wainright for a $15 PT, but the valuation should be at least 3x to 5x from the current value. This thesis does not highlight the patents surrounding their drugs either which some extend into 2035 and beyond. Perhaps what Wall Street is discounting is the fact that most of the drugs are very niche. However, the currently available drugs have an addressable market, albeit less universal than some, but you should value it in the sense of multiple facets (a 1000 headed snake is the phrase I wanted to use). I believe the company should be valued with specialty drugs in mind which would command a higher PE ratio. At the current day and time of writing, the value should be at least $1.50 to $1.75 ~at a minimum~ with a 12 month price target of $3 to $5+. I will be looking for continued revenue growth in each quarter this year and realization of revenue from Gavreto in Q2 or Q3 this year. The partnerships should not be discounted either and the current share price if it lingers here perhaps may attract a merger or acquisition. I initially began the research thinking that perhaps the drugs were too niche, but given the multiple drugs they are working with, I believe their revenue sources will continue to grow if you do not focus on one particular drug as the main performer. With the most recent inflation report being cooler than expected, I would suspect larger funds and institutions will be circling back to riskier assets.

This is a rather unique situation. Im in the middle of a chapter 13. Converted to a 13 in march. My confirmation will be in July.
In 2019 I left my DOD civilian job. Due to a technicality, I could not terminate my coverage with my insurance. Someone somewhere in HR needed to send a form to the insurance provider letting them know to terminate my coverage. So the insurance carrier kept paying bills even after years of telling them not to pay. They knew what was going on. It was out of their hands. Out of mine. Trust me it's a cluster***k.
Fast forward to 2023, they finally terminate my coverage. They have guaranteed me they will not come after me for the overpayments based on the fact that I did everything I could to tell them not to pay the bills. I even told my medical providers not to bill them. To bill my current insurance. The insurance even sent me a letter I am not liable for the overpayments. That's great!
So now they're going after the providers to pay them back. im being copied on the letters to my medical providers demanding payment. So now that has me concerned, because providers can also turn around and ask me to pay them back.
So assuming the medical providers want me to pay them, can the debts be added to my case? I know the debt did not exist pre-filing, but the service dates are all before the filing date.
TLDR: Can medical overpayments from service dates before filing bankruptcy be added to my chapter 13 case since the debt did not technically exist when I filed?

Unsure if this is urgent.
1 yr 2 months old miniature dachshund female spayed. No current medical issues. Not on any medications. Eats Purina Pro Plan and has been for 2+ months now.
Received 4 vaccines today- DAPPL, Rabies, Influenza, Bordatella (oral)- and a heartworm test (negative) at 9am.
She has been relatively lazy and sleepy which is normal for vaccinations. Still eating. Drinking a LOT of water like chugging it when she’s at her bowl.
6:40- I notice snout is swollen. Mainly the right side of her mouth which is where they administered the oral bordatella.
It’s been about 20 min since I noticed. She’s just sleeping a lot. Unsure what to do. I assume it’s an allergic reaction from one of the vaccines. She has only gotten injection form of bordatella when she was younger. I checked her carrier, bed, and the house in general to see if maybe it was some sort of bug but I haven’t seen anything.
As of right now, still breathing normally. Can I give her Benadryl? Does this require an ER visit or can I monitor?

-About 10 years ago, I bought a house with my parents. They contributed 1/3 of the purchase price in cash, and I took out a mortgage for the rest (and paid closing costs). I am the only name on the deed, so the house is legally mine.
-I lived with them in the house for a couple years. After I got married, my spouse and I moved into into a condo that my parents own near our work (the tenant had just vacated and it seemed like a good opportunity).
-So my parents are living in my house and my spouse and I are living in my parents’ condo. The arrangement is weird, but has worked fine. Parents pay for maintenance/repairs on the house, and I pay for maintenance/repairs on the condo. We don't pay any rent to each other.
-Years passed, and my wife and I now have a child (with another on the way) and are ready to buy our own house. Our plan is to pay off the mortgage on the house I bought with my parents, and buy our new house in cash or mostly cash. We are meeting with our financial pro in 2 weeks to discuss.
-My parents want to continue living in the house we bought, but I have a lot of equity locked up in that house, and will also be on the hook for taxes/insurance even if I pay the mortgage off.
-What should we do now? Should we just continue paying taxes/insurance and wait to sell the property until my parents are no longer living there? Should we exchange titles (they get the house, I get the condo), and then I sell or rent out the condo? I know we need to have a conversation, but I want think about what's fair ahead of time.
-I’m strongly leaning towards just letting them live there and paying the taxes/insurance. We are debt free and are very fortunate to have a high household income ($500k+), so it won’t destroy us financially to do so. That said, having so much equity locked up in a house (versus the market) will mean that we’ll lose wealth-building potential in the long-run.

TIMESTAMPS
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ASUS Strix SCAR 16 (2023) Intel i9-13980HX RTX 4080 12GB (175W) 32GB DDR5 1TB NVME M.2 SSD 16” 2560x1600p 240Hz Mini-LED HDR Windows 11 Pro
Near mint condition! Comes with original charger and box.
$1800 shipped & insured via UPS Ground!
DISCLAIMER: This laptop model is known to have coil whine.

Timestamp: https://imgur.com/a/tByLTn7 updated due to blurriness.
https://imgur.com/a/ruuvO3n
Had an unexpected medical bill come up so I need to let go of some stuff I've been hoarding. Comment here then PM. Open to offers and bundles. Thanks.
Cloud Defensive Rein 2.0 micro black. Used no salt. Comes on a slightly salty torrent mlok mount. Comes with a low pro switch mount. Comes with box, battery and mounts, no charger. $275 for the bundle. Will not separate.
Magpul pro offset irons. Mounted but never used, zero salt. Original boxes included. $140
Killer Innovations P365xl /macro barrel. In mdc gray. Brand new, no salt. $200
Witt Machine SME custom shroud. Machined out of 7075 and cerakoted black. Longer than oem, 4.5" OAL. $80
Blackdog Concealment OWB holster for Sig p320c. Comes with both pancake and hook style mounts. Also includes a mag carrier. Used, light salt. $60 for the bundle.