#Risk Adjustment Audit

[medicaidriskadjustmentsolutio]

Top 7 Trends That Shaped the Healthcare Industry in 2023

2023 has unfolded as a year of pivotal trends and landmark shifts. From technological innovations to regulatory changes, the healthcare sector is witnessing a big shift in its operations and strategies. Let’s explore seven major trends that shaped the industry over the year, each with its own nuances and implications for healthcare organizations. To read more about visit https://www.episource.com/posts/top-7-trends-that-shaped-the-healthcare-industry-in-2023

[creepyscritches]

It is clear from the proposal that they don't even understand how revenue is driven in the ACA. The SICKER your customer base is, the MORE MONEY you receive!

With ACA education funding slashed earlier this year, I will continue to offer my knowledge freely, widely, and transparently. Give me some time and I will put together something to help understand how the ACA functions and how patients, providers, and even the insurance companies benefit from its processes and design.

You always deserve care. When you use the ACA, especially those with severe and/or chronic illnesses, you directly improve the system.

"High risk" conditions basically mean "more money to support", which is a DESIRABLE thing. Those dollars come from every health plan offering a marketplace plan (issuers) in a state pooling their premiums together. Each issuer executes extremely deep audits to represent the sickness (morbidity/risk score) of their customer base in that state. Afterwards, we use something called the risk transfer formula to compare risk scores via CMS and those with sicker populations receive larger pieces of the premium pool than those with healthier populations.

What this MEANS is that issuers who attract and support higher risk customer bases MAKE money, while those who have mostly healthy low risk customers PAY money to their competitors with sicker customers.

If you do not engage with enrollees and encourage use of benefits, you are a fool that bleeds money and generates subpar healthcare experiences.

I know what you're thinking. "Why should I want an insurance company to make more money because of me?"

You don't! You want the ACA to generate more revenue that is fed back into expanding the program each year!

The Medical Loss Ratio (MLR) is an ACA mandate that regulates issuers to a 20/80 profit rule. Issuers can take at a maximum 20% of received risk adjustment dollars (what the risk formula calculates!) to cover admin overhead and company enrichment. 80% MINIMUM profit must be either returned to the customer as a rebate or invested in expanding benefits for that state.

80% minimum of ACA premiums are directly invested back into your benefits or back into your pockets. Use your benefits! Help us grow and better support more of the population!!

Nice thing about working in the ACA is I can spend time at work reading a 301 page proposal that will decimate those below the poverty line and is "like making people crawl through broken glass" according to Sabrina Corlette, the co-director of the Center on Health Insurance Reforms at Georgetown University.

I'm still reading but this is a call your reps situation. Proposed changes won't affect enrollment periods until 2027, but we need to stop the machine now.

Proposal is CMS-9884-P

[delilahsturniolo]

⟡ ݁₊ welcome to the end of the world! (please leave your sanity at the door.)

𝒊𝒏 𝒘𝒉𝒊𝒄𝒉 . . . four friends: nick, matt, chris, and you—find themselves stuck together at the end of the world, trying to survive a zombie apocalypse with nothing but their wits, a questionable supply of snacks, and zero emotional maturity. you’re just trying to stay alive without losing your mind—or falling for someone on the team.

𝒘𝒂𝒓𝒏𝒊𝒏𝒈𝒔 . . . mentions of blood and weapons, cursing, romantic tension and slow burn, i don’t really know what else?

CHAPTER THREE: THE GREAT TWINKIE HEIST

read more parts here!

you’re not saying you’re fully adjusted to the zombie apocalypse, but you have accepted that your morning cardio now includes at least one near-death sprint, your social circle is three dudes and a cat, and the only skincare routine available involves rainwater and hope. still, there’s something kind of beautiful about the mornings. that weird quiet. the soft orange sky. the way the light bounces off broken glass and turns everything a little bit gold.

also, matt looks unfairly good in this lighting and it’s starting to piss you off.

you’re walking in your usual formation—nick leading with his clipboard like he’s navigating a hostile spreadsheet, chris arguing with a pigeon for dominance, and matt by your side, steady and silent, one hand always resting near his crowbar like he’s just waiting for something to go wrong.

and honestly? same.

“we need more snacks,” chris announces loudly, stepping over what was probably a person once and is now mostly goo and blood. “we’re running dangerously low on morale. and by morale, i mean twinkies.”

“we have one twinkie left,” nick says without looking up. “we are not wasting it on your emotional support sugar habit.”

“my emotional support sugar habit is the only thing keeping this group together,” chris snaps. “ask lieutenant whiskers.”

you pat the cat’s head, tucked awkwardly into the crook of chris’s arm. “you’re doing amazing, sweetie.” matt chuckles quietly beside you. you glance at him, and he meets your eyes for a moment longer than normal. it’s subtle. just a flicker. a heartbeat. but it’s enough to make your stomach flip like a bad mattress.

he looks away first. you pretend that doesn’t matter. nick stops in front of a busted-up gas station, holding his clipboard like it’s sacred text. “this is it.” nick says, you raise your eyebrows and look at the writing on his clipboard.

snack potential: high.

fuel possibilities: medium.

risk level: let’s just assume yes

“i swear if this one has another jump-scare raccoon, i’m quitting the apocalypse,” you mutter.

“you can’t quit the apocalypse,” matt says, smirking. you glance at him, and god help you, he’s got that same half-smile, the one he only pulls out when he’s teasing you. it’s annoying. and distracting. and also maybe the only thing giving you serotonin these days.

the station is surprisingly intact. shelves are dusty but not completely empty, and—miracle of miracles—there’s no immediate moaning or shuffling. nick starts scanning the area like he’s performing a forensic audit. chris immediately grabs a pair of novelty sunglasses with little flames on the sides and puts them on. “call me blaze.”

“no,” you and matt say at the same time. you glance at each other, amused. he looks like he wants to say something else, but instead he turns and disappears behind an aisle.

you linger near the snack section, picking through mostly empty boxes and wondering if anyone in this world ever stored something as useful as chocolate.

“hey,” matt calls quietly from the back. “over here.” you wander over and find him crouched by a half-broken shelf. he pulls out a dusty but very real box of twinkies and holds it up like a prize.

“holy shit,” you whisper. “told you they’d survive the end of the world,” he says, handing it to you. “figured you earned it.” you blink. “what, for my deeply sarcastic commentary and ability to not trip over my own feet for once?”

he smiles again—soft this time. quieter. “for always watching everyone’s back. even when you pretend you’re not.” and there it is again—that moment. the pause. the way the air changes, thickens, stretches between you like something waiting to be said.

you’re suddenly aware of how close he’s standing. of the way his eyes linger on your face, not just your eyes, but your mouth too. of how your fingers brush as he hands you the box and how neither of you pulls away right away. your heart is way too loud. you’re ninety percent sure he can hear it.

“you’re not so bad yourself,” you murmur, meaning it more than you probably should.

matt opens his mouth to reply—but then there’s a crash near the front counter and chris yelling, “i swear this is self-defense!” followed by the unmistakable sound of a keychain display being obliterated.

you sigh. romance? never heard of her.

by the time you reach the front, chris is standing over a now-defeated display rack, sunglasses still on, holding up a plastic toy shaped like a lizard. “i named him toaster.”

“why?” nick asks, voice filled with dread.

“because he’s warm and his head pops off.”

“we’re leaving,” nick says, pinching the bridge of his nose. “now.”

you step outside with your twinkies, still vaguely flustered from the whole almost-a-moment thing. matt walks beside you again, his arm brushing yours more than once. you don’t pull away. neither does he.

it’s fine. totally fine.

except for the part where four zombies shamble around the corner with that signature death groan and-eyed shuffle.“incoming!” you shout, already pulling on your blade.

“split up!” nick yells. “circle back to the alley!”

everyone bolts. chris takes off in one direction with lieutenant whiskers clinging to his hoodie like a tiny, judgmental backpack. nick follows him with a shout of “do not climb the fountain again!” and you and matt head the other way, ducking through a crumbling alley and jumping a low fence like apocalypse olympians.

you land hard and stumble. for a terrifying second, your ankle rolls—just slightly—but enough to make you wince. matt’s there instantly, steadying you with one hand on your waist.

you freeze. so does he.

his hand lingers a moment longer than necessary. you’re close. too close. his breath brushes your cheek. your heart is doing the macarena.

“you okay?” he asks, voice low. careful.

you nod, trying not to melt. “just graceful as ever.”

he smiles a little. “you always land on your feet.”

you don’t know if he means it metaphorically or not. you don’t ask. you don’t trust your voice right now. “come on,” he says finally. “we’ll catch up with the others.”

he doesn’t let go of your hand right away. you don’t let go either. and maybe it means something. maybe it doesn’t. but it feels like something. something that’s building. something slow, and quiet, and maybe just a little dangerous.

but then again, what isn’t?

you survived the day. you have twinkies. you almost held a boy’s hand on purpose. and only two zombies tried to eat you.

honestly? that’s a win.

© delilahsturniolo

[justbelievinginmagic]

like a waltz⎯ part 5: aplomb. (pt.2)

pairing(s): ateez ot8 x fem!reader series summary: when 8 mysterious bachelors arrive to town and fall for your charms, will you be able to reach your goal to be prima ballerina or be dragged into a selfish waltz between love and obsession? glimpse: with swan lake’s end approaching, you gain more free time and notice the changes within your port town – and your relationships with the bachelors of ateez house. warnings/tags: inspired by Ateez’s Ice on my Teeth MV & Teasers, Mafia AU, Ballet AU, early 1900’s AU with some divergences in tech advancements (i.e rule of cool), 3rd person POV, use of YN, mxm, polyteez, MATURE topics, canon typical violence, canon typical gore, sugar daddy themes, unequal power dynamics, polyamory, exploitation in ballet, intimacy, Korean honorifics, controlling & obsessive tendencies, infatuation, stripping, gambling, mafia things, alcohol, smoking, kissing, possessiveness, jealousy, stalking, sexual themes but no smut, alcohol abuse, partying, pain, medical drug usage, traumatic injury, injuries, reader discretion advised & 18+ readers only! Let me know if I should tag anything else! word count: 30.2k previous chapter <- aplomb (pt. 1) -> next chapter series masterlist read on ao3! important note: hi! this part was too long for tumblr’s word count rules, so it has been split! please make sure you've read the first part of this chapter, here! or you can read it uninterrupted via the ao3 link ;)

It was the last show. The backstage was buzzing. Ballerinas ran about, preparing for the last performance with vigor. Murmurs of excitement flooded the room. Some of the male dancers popped their heads in eyes shut; after all, the space was forbidden to them as they chatted about the later activities. Wine and champagne had been bought; rumors of a cake were going around too.

YN was excited. She was ready for Swan Lake’s run to end – tired of the same routine. She enjoyed its monotony for only so long. Spring would bring new choreographies, new roles, new everything. She was excited to share it with her patrons.

Her patrons! Oh, she was so excited to see them tonight. It was a time to show off – though she wouldn’t risk angering the Madame again. Once was enough and she did want to be on her good side before auditions crept up for whatever show they’d perform next. Tonight, simply, had to be perfect. For them.

YN adjusted her top, making sure her strands of pearls laid nicely around her neck. Her makeup was perfect; she wiped at her lipstick to make sure, if she pressed any kisses to their cheeks, it wouldn’t stain too much.

Wooyoung and San would be there but perhaps even Yeosang and Yunho… they promised! And Jongho had hoped to see her again! Oh, she hoped to see them all. Wiping her hands from her lipstick she went to go warm up. Tiny ran up to her.

“YN, YN, YN!” she chimed. “You have a delivery!”

YN’s eyes widened in surprise as she looked up to the doorway to see a familiar unfamiliar face. A butler with that shared stoney expression stood there, blank-faced, with the largest bouquet of flowers she’s ever seen. All red and pink, vibrant blooming roses overflowed from the vase. A singular marigold stood out in its golden glory in the center. Odd, but not any less impressive. Fresh flowers in winter in such amounts were rare. No, they were expensive. Ballerinas around her gasped out, covering their mouths in awe.

“I’ve never seen so many flowers – not even for the prima ballerina!” a woman chimed.

“Who’s it from?” Tiny inquired.

“Her patrons, no doubt,” an older girl scolded the other.

Tiny stuck her tongue out before glancing up at YN with wide intrigued eyes. Taking the vase, it was almost too heavy for her to hold.

“Let me,” the butler said, voice muffled and tight. He barely even moved his mouth she noted.

YN nodded and guided him into the room to her shared vanity. Her vanity-mates glared as it took up most of their communal space.

“Thank you,” she thanked the butler who simply bowed respectfully and turned to leave.

“Who is it from?” Tiny insisted again. “I think Wooyo!”

“Okay, okay, let’s see!” YN laughed, grabbing the white card that was stuck next to the marigold.

‘Good luck, our treasure. I wish you the happiest closing’

The card was thick but the handwriting was unfamiliar to her. Not Wooyoung’s scrawl or San’s messy blocky letters or even Yeosang’s cursive. Could it be Yunho or Jongho? She wasn’t sure. There was no signature, no emblem, nothing.

“I’m not sure,” YN said. “I’ll ask them when they arrive.”

“They’re so pretty,” Tiny awed. YN agreed before telling the younger they should get ready for places.

-

The performance was invigorating. The orchestra was loud and booming; the lights were hot against her skin; the air buzzed with excitement. Familiar faces clashed with new in the crowd – a sold-out house for their last performance. She was beaming.

Her grin only grew more when she spotted her box – Box #8. It too was quite full. Wooyoung and San’s forms were familiar in their favorite chairs. But besides them sat four others. Yeosang was beside Wooyoung, a pair of opera spectacles in his grasp. Surprisingly, Jongho also sat there occasionally whispering to Yeosang about the performance. His smile and sparkling eyes caught her attention the most. Behind them, more shadowed in the darkness of the booth, was Yunho and Mingi, tall even in their seats. She could see the way their teeth sparkled when a light flickered past.

All of them came – well, all that she knew – it was such a pleasant sight. Her chin held high as she pirouetted, the correct number of times, and leapt off stage with the others.

-

“YN has a full box tonight,” a girl teased.

“At least she has folk here; Mina’s patron is a no show.”

Takahashi wasn’t here? Strange. She hadnt noticed in the crowd. She was too occupied with the thoughts of her six bachelors.

“Maybe someone else will go after her then,” a dancer commented.

“He pays well.” Another chimed. “No one would dare!”

“Stop talking about patrons; rude girls!” Julia scolded out of nowhere.

They all glanced aside, annoyance to surprise flickering over their faces.

-

Intermission came and went. It was the rare moment where the boudoir was closed. As if to make the appeal of it even more scandalous, more exclusive. She didn’t expect her excitement to tickle her stomach; for her anxious bones to miss the faces of her patrons. It was only an intermission but she still couldn’t sit still. Her eyes kept glancing to the settee – a settee that was vacant. Would it be able to seat seven? She wondered.

-

The show was at its closing. The music was crescendo-ing as the prima ballerina was curtsying and genuflecting to the crowds’ roars and cheers. Shouts of bravos cried out. The envious part of her cried out too; she wanted to be that. One day, one day….

Flowers were tossed on stage; mostly dried considering the chill that had encompassed the city. It only made her own pride bubble up at the thought of her large vase in the boudoir. She was special. She was better. YN watched the prima’s patron – an elderly man – struggle to stand and clap for her. It was so fascinating that with him the dancer had made it to the limelight. Glancing up at her box, she saw them all on their feet, applauding. Applauding for her.

Yes, she knew one day… she’d be in the prima’s spot – the way they applauded and made her feel it; she’d feel that spotlight. Just you wait.

And then the curtain fell; the bright lights of the stage dimmed with its closure. She turned to long-time friends hugging them and congratulating them on a well-done show. The prima, the featured dancers, and even Julia had all scurried off – the false ideation that they were somehow better than the others celebrating was laughable to YN. They all were the same – they all had to appeal to someone higher than them.

She squeezed Tiny into a hug, telling the girl how proud she was. The little girl beamed and chattered on about next season and her what ifs. She even claimed how she was going to get a patron next!

It made YN sick to her stomach a bit. She remembered when she was just like Tiny though. Wishing and hopeful. Perhaps she had gotten her dream; her patrons were polite and good and gentle.

“Champagne in the foyer de la danse!” Someone shouted out and there were cheers.

The boudoir had become a mix of people – the male dancers had snuck their way in, wiggling amongst the sea of women and girls changing out of their costumes into their street-wear. Giggling and stories and conversations bounced off the gilded-caged walls.

Makeup was shoved into drawers; champagne and cheap wine were placed on the vanities’ table-tops. A record player was rolled in, its needle sharp and scratching as a couple girls fiddled with it.

All YN could do as she waited, dressed-down into her day-skirts and blouse, was look around. The younger girls were ushered out by the elder ballerinas, insisting they could join next year (even if that was far from the truth for some). Patrons of old age and new came pouring into the room. Like a bunch of sardines in a can, the room was packed. YN remained close to her vanity; the table-top full of her flowers haloing her as she waited, fiddling with her jewelry.

It took too long she first thought. What if they don’t come? She could see the other patrons with their proteges. Drinking down wine and smoking cigars. Some danced, although too pressed up and scandalous for her taste. Where were her men? Her eyes glanced over the crowd again.

But when they did arrive, it was exciting. It was exciting to see them all enter the boudoir, side-by-side and glamourous in their dark, slick suits. Drawing eyes. Yet their eyes remained on her. All on her. All for her. She didn’t want it to be a status symbol but it surely felt like it. Six handsome bachelors all wanted her. Her attention, her hand, her affection. If she despised them, surely it would’ve been an arduous task, but each one was kind, sweet in their own way.

Wooyoung, her first – the very first of the Ateez Mansion bachelors to see something in her, strode ahead, pushing through the crowds and eager to congratulate her. A grin grew on his face as his fingers itched to hug her, spin her about.

San, her second – the courteous man who always made sure she was comfortable – wasn’t far behind but he did glance aside at the others as if making sure they remained by his side. A bouquet of flowers was held close to his chest.

Yeosang, hands clasped politely in front of him, beamed with pride – the same pride he wore when he won a championship. As if she was just as worthy of a prize.

Jongho, the man that saved her that night, shifted on guard, but his face warmed at the sight of her, as she was swallowed up in Wooyoung’s hug. Safe, happy. He wanted that for her. His smile on such a stoic face felt like an achievement.

Yunho and Mingi, side by side, glanced at one another as they grinned. This felt right, her with them. They both couldn’t deny it; she couldn’t deny the safe feeling that she felt with their gaze on her.

“You did beautiful, swanette,” Wooyoung whispered fondly in her ear, pressing a kiss to the cartilage.

Pulling back with the largest grin, he soaked up the celebrations all around. Popped champagne, giggling girls, and the sound of a record player playing nearby. It was a party for sure – and that happiest he had seen most of the girls in the boudoir.

San was standing over Wooyoung’s shoulder, smiling wide.

“Hello honey,” he hummed out.

Wooyoung shifted her in his grasp, arms swooping to rest around her waist. Her eyes lit up at the sight of the flowers. Red roses, dozens of them, were wrapped up in dark paper bouquet.

“You did well,” he praised, leaning forward to press a kiss to her temple and shuffled the bouquet into her arms.

“Thank you, Sannie. Thank you.”

He didn’t know how much she meant it. Their patronage, it helped. It helped her save money; it helped her gain a reputation; it gave her credibility. But it also… made her happy. They made her happy. She loved spending time with them; their company was something she cherished, almost more than their patronage.

San beamed at the sight of her and the florals in her arms. The tall figures of Yunho and Mingi shuffled on either side of San. Yunho handed over the flowers he held to his best friend. Mingi approached with a large bouquet, almost competing in size with San’s.

“Congratulations,” he rumbled out, handing her him and Yunho’s flowers – a collection of white roses, countless amounts of the blooms (somehow fragrant and flourishing in the middle of winter.)

“Thank you,” she smiled up at him even as he shambled the comically large collection of flowers in her arms.  “Thank you for coming! Did you like it?”

Mingi smiled at her. “Of course; I loved to watch you.”

Her face flushed pleasantly and he couldn’t help but grin wider. YN shifted the bouquets around, trying to find an easier way to hold them. They nearly swallowed her whole. She couldn’t imagine how she was going to get them home – alongside the ones that were delivered earlier.

“You look like a honey bee,” San giggled. Yunho smiled fondly at her.

“These are more flowers than I’ve ever had,” she fluttered, holding them closer. Mingi’s smile was pure like the smile he had shared with her when he bashfully went to open her door awkwardly when she visited the mansion for the first time. Genuine and boyish.

“You like them?” Mingi asked.

“I love them!” she replied easily.

Mingi preened at that; Yunho glanced over at him with a sweet smile.

“Shall I hold them for you?” Jongho was the one to speak up, taking a step forward.

She nodded. “Thank you.” He took hold of the bouquets. She was quick to squeeze his hand. “Thank you, all of you for coming. I’m so happy to see you all.”

The men shared a smile before murmuring out agreements. That they wouldn’t have missed it for the world.

Her mountain of flowers was shifted to their settee, untouched in the wildness of the party. By this point in the season, they knew who claimed that part of the boudoir.

She asked who sent the vase; no one had an answer.

“Perhaps Seonghwa?” Yunho prompted, glancing at them.

“He enjoyed your work, love.” Jongho told her, nudging her with his arm.

“I’m happy he did. I wish I could’ve met him.” she admitted. Jongho shrugged a shoulder.

“One day, I’m sure.” He smiled reassuringly. She loved his smile she realized.

“Dance with me?” Yeosang tapped her hand to get her attention. An upbeat song was playing; similar to the music he was listening to while practicing.

“Oh sure!” she beamed.

He quickly took hold of her hands and the two began to dance alongside the other attendees. Wine was passed around; Yeosang sipped on it and let her drink some from his glass, pouring it into her mouth. Her hand eventually held a flute of champagne, something she easily drank.

At previous closing parties, she’d never celebrate so wildly. It was known to rarely accept alcohol from a patron – even if they insisted. After all, alcohol and wits don’t mix. But this was her patrons, her bachelors. She couldn’t help but feel the wash of safety over her.

So, she drank and danced and sweated and laughed. She was spun about, dancing in a sort of waltz between Yeosang, Wooyoung, and surprisingly Jongho! She was held close as they led the dance; not once did she step on their toes, the benefit of being a professional ballet dancer.

Jongho complimented what he thought were the most beautiful parts of the ballet, using ballet terminology she was surprised a man cared about. Somehow she was always the most beautiful part.

Yeosang enjoyed the socialite life; he would swoop her into the newest dances. Swinging her this way and that, others would look and clap at their dancing before joining in.

Wooyoung stole kisses, peppering her face. He rambled how he was so proud of her, so happy they’ve met, even that he loved her. She told him she cared for him too, pressing a kiss to his lips easily. It was all a whirlwind, spinning carousel of dancing, endless mirrors, and familiar patrons. She embraced the feeling, the wildness, courageously. 

Meanwhile, Yunho, San, and Mingi stood nearby. Their gazes took in the entirety of the hall. As the night crept onwards, the debauchery grew. Patrons manipulated ballerinas this way and that. Yunho gritted his teeth. They may trade in alcohol, money, diamonds, and threats – they didn’t trade in people or sex. It had been that way since the beginning.

“I hate them,” Yunho grunted out to San as he raised his glass to his lips, faking a sip. Someone had to remain sober.

Mingi mumbled out an agreement, staring at how a man twisted a woman around to press a hot kiss to their mouth.

San’s brows twitched in agreement, his gaze stoney as he reached out to tug YN closer by her hips. She was in half-conversation with a ballerina, her smile bright as she remembered a dance memory. Wooyoung’s arm was slung around her waist as he raised his glass to his mouth, drinking down expensive liquor.

San hovered over her shoulder and she naturally turned.

“Oh, hello,” she chirped out and he couldn’t help but smile, features softening.

“Hi honey,” he replied quietly. “You having fun?”

YN nodded. “I never celebrated like this,” she admitted. “It wasn’t ever safe.”

Nearby, Jongho’s firm lip rose into a scowl. He understood why as he saw a man grasp a ballerina’s thigh. He looked over his clan and stood firm.

“You’ve got us,” Jongho promised.

Wooyoung giggled, pressing kisses to her throat. “Yeah, swanette!”

“Are you having fun?” she asked, doe-ishly looking between the men sat on the settee. Mingi immediately sensed she had more to drink than he thought.

“Of course, baby,” he replied. “You have fun.”

“I want to dance,” she reached out for his hand. Wooyoung, a giggly drunk, let her walk towards Mingi and pull him to feet. The taller man smiled and carefully wrapped her up in arms. Embracing the way, she leaned into his chest near immediately.

Wooyoung leaned back into San’s chest; the muscle of the two pressed a kiss to his own neck making him giggle out.

“No more to drink for her,” Yunho warned Mingi as he watched on loyally.

“Alright,” Mingi replied, spinning YN easily.

“No more drink for you either,” San rumbled, stealing the rest of Wooyoung’s drink and downing it in one gulp.

Wooyoung’s eyes burned, staring at the mouth that had gulped down his liquor.  

-

The night crept on until she was wiped out, half asleep in Yunho embrace. Shockingly out of them all, Yeosang remained on his feet dancing with her most of the night until Yunho had traded spots with the other.

The boudoir was a mess, proper. Figures blended into one another; empty bottles strewn about; a pile of records rested next to the record player. Its tune played on until with a click the needle popped off the record for what had to be the 3rd time.

“Ready to go home, darling?” Yunho murmured into her hair; it had long been taken out of its tight bun by the hands of her patrons. Wanting her to be comfortable – San had claimed she’d have a headache the longer she had her hair pinned so tightly. Yeosang commented that she’d probably have a headache regardless. Jongho’s pocket was heavied with her hair pins.

She nodded dazed. “Mmhm.” She agreed.

The clock chimed out the late hour just as the bachelors and their ballerina made their way out of the opera house. Walking past the private boudoirs, they could hear moans from inside – even this late into the evening. It made YN frown, curling underneath Yeosang’s embrace further.

“We have your flowers in the trunk, love,” Jongho told her as two automobiles pulled up, driven by those faceless butlers.

She blinked and nodded at his words. Her head pulsed, her limbs heavy with sleepiness. It had been a long day but a fun one. She had enjoyed dancing the night away with them. It was the first time she had a true fun time at a party. Safe and sound. She didn’t once get groped by a passing man; if they had tried, she was sure one of her patrons would’ve broken their hand. She giggled at that.

Wooyoung eyed his giggly ballerina with a lovestruck look. The alcohol had trickled from his veins as the night went on and while he still felt the blurry buzz he was more about himself now. San on the other hand had began to drink down Wooyoung’s drinks and now was half slumped over his shoulder, hot breath against his unbuttoned throat.

“We’ll take the second car,” Yunho informed, arm going to sling over Mingi’s shoulder. “Jongho?”

“I’ll go with the pretty lovebirds,” he chuckled watching as Yunho passed YN off to Yeosang’s arms. Who she immediately began to fawn over, saying how pretty and handsome he was much to the athlete’s blushing.

“See you back at the house,” Mingi said nodding at the group as they walked to their own car.

-

The car ride was longer than she had expected, but it was all a blur of houses and lights and compliments. She couldn’t help but look between her patrons and her athlete. Confidence tumbled out of her mouth as she complimented and wooed.

“You’ve changed my life… I love you y’know,” she mumbled into Yeosang’s collar before she fell asleep.

-

It was breaking dawn by the time the cars returned to the Ateez House. Daybreak painted the air a purple-pink as they walked into the grand mansion. A sleeping YN rested in Jongho’s arms as they passed rows of butlers.

“Let him know we’ve returned,” Yunho commanded, passing by them. “With his ‘treasure’.”

A butler carried her copious amounts of flowers behind her; they headed to the study that had been deemed hers recently. Decked out in soft linens and laces, they’ve slowly tried to add a more feminine touch for her. A proper lady’s sitting room.

She was laid on a long couch, pillows of silk elevating her head and a light blanket placed over her form. Her flowers decorated the room quickly as the men made sure she was settled.

“She’s adorable,” Wooyoung cooed, lovingly. His fingers caressed her cheek. “You should’ve heard her, Yun. Babbling on about how she loves us. She loves us!” He giggled happily. He leaned forward to press a kiss to her forehead.

“I’m sure she was sweet.” Yunho commented, pushing a strand of her hair away.

“Are you sure its okay that we brought her back?” Jongho mumbled from nearby, stretching his legs as he sat on the loveseat beside her.

“She fell asleep in my arms,” Yunho argued. “While dancing! She wouldn’t have been able to walk up the steps to her house.”

“Softie,” Mingi teased, ever to used to being called the soft one. Yunho leaned forward to press a kiss to Mingi’s forehead, somehow scoldingly.

“She’ll be asleep most the day anyway. Business as usual can still happen.”

“I’ll go talk to them now.” Jongho yawned out, pushing himself out of the comfortable chair with a groan. “We can figure out who will stay with her. Try to get some sleep in the meantime.”

After all, Seonghwa and Hongjoong were growing anxious to meet her – and this was just tempting the cat with the mouse.

-

When YN awoke that morning, she felt a growing impatience. Scratch that, she had been impatient the moment she woke up in the fluffy bed in Yeosang’s room with her legs elevated and broken. Now, she was practically itching to leave. Every moment awake, she glared and fought with the hard feelings that filled her chest.

Doctors came and went under the watchful gaze of Yunho who had set up shop at the nearby desk. Her legs were checked and checked and checked again. Bandages reapplied; cast reset; medicine increased and decreased. Pillows fluffed and readjusted. While there was no pain anymore, she almost feared that more. The numbness, the stiffness, the sluggish feelings all weighed her down to the bed. She was tired of Yeosang’s bedroom. She was tired of sitting in one place. She was tired of the few faces she’d see day in and day out. The doctors didn’t talk to her; their heads always turned to speak to an overseeing Yunho.

Jongho and Yeosang came to visit each night, more so because she was in Yeosang’s bed. But they spoke to her as if nothing was wrong, snuggling up to her and stroking her face. She cursed her cruel heart for already letting herself soften in front of them. Jongho’s rare softness that made her feel special was a wicked advantage. Yeosang’s devotion and alibi of being away gave him an easier key to her good graces. When she spotted them, she didn’t grimace or glare (as much). But they knew by the way she refused their affections, turned her head at their kisses, that she was upset.

A week of bedrest was driving her nuts. She wasn’t the type to enjoy inactivity. She glared over at Yunho who sat at the desk at the far end of the room. He had become a sort of baby-sitter. Baffling to her, considering he was always busy before. Where was Mingi? Or Wooyoung or San? She hadnt seen either since the day she walked out of the mansion.

Even a butler watching over her wouldn’t be odd. They had done it all before.

She observed him from her palace of pillows; it seemed like she woke to a new one tucked around her. Sometimes she wondered what happened when her eyes shut. Who visited her then – if anyone?

Yunho’s aura was dark like a storm cloud, but she knew him well enough – or thought she knew him well enough – to steady a glare at him fearlessly. A swirl of smoke tumbled from his mouth as he pulled a cigarette away from his lips. Her anxiety was palpable.

“Darling,” he tried to soothe. She’d been staring at him for so long he couldn’t make out the numbers he was reviewing for Jongho. “What is causing you so much distress? I can feel your eyes on me.”

Yunho spoke genuinely, concern pooling in his starless eyes. He was dedicated to the family – dedicated to her. He had never wanted this, warned her against it; he hid away when he knew he’d receive the order. His eyes burned her skin.

YN felt like she was doing a pirouette over and over and over; her head dizzy with the implications that they just didn’t get it! It was almost funny. What did he think was the matter? She had broken legs! What was making them so blind?

“I’m angry,” she stated.

“I know that,” he sighed out. Remnant smoke billowed from his nose like he was a dragon before he snuffed out his cigarette. “What can I do to make it better?”

“I want to leave. I want to get out of this stupid bed.” Her hand slapped against layers of duvets frustratedly.

“Done.” Yunho chimed out, almost energetically. Enthusiastic even.

He kicked back the chair with a scrape of the wood against the floorboards. YN’s head lifted from a silk pillow, startled.

“Huh?” she whispered.

She hadn’t expected this. Compliance. Help. Her heart’s heaviness lifted as she watched him stride over to her.

“Mingi,” Yunho called out, his eyes never leaving hers as he watched her push and wiggle at her sheets and duvets. Beneath the layers, she had been dressed in a new pajama dress, something pure white and silky. She wondered who did that. She remembered how Seonghwa had promised a hot bath but she had fallen asleep then. Who was tending to her so intimately? She shivered.

“Mingi!”

There was a shout of acknowledgement and a thundering of footsteps. Ironic considering how he was the one to sneak around – according to, well, himself. She remembered how he’d sneak up on her in the gardens – to whisk her away to the garage or to play chess. She wished for those days again but she also didnt; her stomach churned.

“Yes?” Mingi opened the door tentatively. His eyes met hers and he couldn’t help the way his knees nearly buckled. “Hi baby. You’re awake.”

He sounded relieved, grateful, happy. His smile was wide. His gaze flickered to his best friend, almost as if checking in with him. Yunho nodded. Mingi crept closer kneeling at her level. It was cruel how this was the first time they had been apart for so long – him, San, and especially Wooyoung. And how despite everything, her phantom pains, her anger and biting dread, she missed him.

She hated that she missed him.

His hand went to cup her cheek and she hated the way she automatically curled into it’s warm. Mingi chuckled softly; it was almost a damp sound. He leaned forward to press a kiss to her forehead. Hot breath brushed over her face. Glancing up, she saw Yunho shadowed Mingi’s form, smiling.

“Lift up our sweetheart for us.” Yunho asked. “San’s still out, yes?”

Mingi nodded, not even looking over his shoulder at his best friend and co-Underboss. All he could do was cherish the softness of his baby-doll’s skin. Its warmth. She was here. She was okay. He smiled, diamonds glinting.

“Wrap your arms around me,” he encouraged, tone rumbling against her skin. She listened and did so, excitement bubbling up in her stomach. She was leaving. She was going to be free.

Mingi easily wrapped his arms around her and lifted her up; Yunho made sure she was appropriately covered, shifting her nightgown about.

“Where to?” Mingi asked, glancing over his shoulder.

“To the study.”

No.

She gripped harder at the back of Mingi’s neck. Catching his attention, wide eyes shifted to look at her.

“No, I want to leave.” She insisted.

“You wanted to leave the bed. C’mon.” Yunho clarified as he walked out of the room.

“No, Yunho.” She cursed out. “Mingi, please, I want to leave.”

She could see Yunho shake his head disapprovingly as Mingi rose and followed after. She didn’t do anything easy; squiggly in her lover’s grasp. Mingi’s grasp tightened, reminding her that he was stronger than he seemed. Despite his softness around her, there was strength in his veins.

“Relax; you’ll hurt yourself,” Mingi tried to soothe as he rounded a corner. Yunho parted from them going down another path.

“I don’t care!” she bit out, pushing at Mingi’s chest. Her casted legs clanked together and she flinched back a pained yelp.

“I do.” Mingi argued back. “What are you gonna do, walk out of here?”

It was said with irony, but she felt the truth burn her. She hissed a breath in and shoved at him again, just for the cruelty of it.

Mingi’s eyes were pools of amber, soft and regretful, but he swallowed it down. His Adam’s apple bounced and he continued towards the study that had been hers since her arrival to the Ateez House.

Coated in golden sunlight, the sunset casted the room in warmth. A fire-place was dimly lit, needing to be stoked but ultimately not there for warmth yet. The couch was prepared for her she noted; blankets and pillows piled up; a book and even a steaming cup of tea rested on the tableside. Yeosang’s doing, she thought, but when Jongho and Yunho walked in she debated if it was perhaps the youngest. Behind them, a line of butlers followed, mechanically.

Mingi carefully set her down, tucking her legs underneath a blanket like she was a babe. She shifted her form up on her arms; her body ached from misuse, and she couldn’t help the frustrated sigh that tumbled from her mouth.

“I know,” Mingi tried to soothe.

He didn’t know; she felt that in her bones.

The butlers lined up in front of the fireplace at the direction of Jongho, pointing to where to go. Yunho settled at a small table in the corner of the room, watching as Jongho worked. His long limbs stretched out – even he had grown tired of that bedroom.

“Hello, love,” Jongho greeted finally. His eyes sparkled when they looked at her. She didn’t reply. Staring.

He huffed a bit, unused to the treatment but Seonghwa had reassured him it’d take time. He had been so inconsolable though Jongho wondered if he simply said anything to get him to be able to focus once more.

“I’m happy you are up and about.”

“I want to leave.” She reiterated. “I want to go home.”

“Our home is your home now,” Jongho replied. “It has been for a while but even more after everything.”

She glared. That wasn’t the answer she had wanted.

“These butlers are just for you, babydoll,” Mingi directed her, nodding towards the row of stone-faced butlers. Each one wore a pinned red rose; the only alteration to their uniformed look.

“If you need anything they’ll help you.” Jongho finished for the other.

“If I wanted to leave?”

Mingi looked like a kicked puppy. Soft brows upturned and his eyes big and glassy. His lips were pouted, plump. He didn’t look like a mafia boss in that moment; he looked like someone had ripped his heart out.

“Not that.” he mumbled; his brows crinkled and he licked his puffy lips before glancing aside and sitting beside her on the couch, minding her legs. “No leaving, no hurting yourself. You have to heal, YN. Rest. And heal.”

“I wouldn’t have to heal if you all didn’t do this to me!”

She tilted her head a leveled him with a glare that was so unlike her. His lips parted like someone had punched him. He glanced away. Yunho gritted his teeth. Jongho’s fists curled and uncurled.

“I’m a prisoner here, Mingi.” She told him. “A doll for you to play with when you wish.”

“I don’t think that-“

“So cruel, dove,” a voice sighed out, heeled boots clanking on hard-wooden floors.

There was a clicking sound of a tongue, like a tut. The butlers dispersed quickly like a house of cards falling. “After everything, you are still being a brat.”

“Shall I direct my ire at you instead?” YN grimaced glancing over at Seonghwa… and Hongjoong.

The sight of them made her breath catch.  They both looked different but she wasn’t sure if that was just the betrayal. They were still dressed to the nines but parts of their looks were absent – Seonghwa had no coat, revealing his white dress-shirt with its shirt garters, and Hongjoong’s hair was mussed from removing a hat. He observed her, coldly. Icily.

She felt like she had seen them both wear what they had on to the opera once or twice. She wondered if they had been to it – appearances were still to be upheld in high society after all. All while she rotted away. Her career in shatters with her bones.

It made her bear her teeth. Mingi sighed beside her, glancing away. He understood her anger – he hated to be stifled. But there were worse things in life than to be loved and cared for. He thought of all the things he had to do in his lifetime; all she had to do was stay and be theirs. Easy.

“I’ve dealt with harsher things in life than a scorned lover,” Seonghwa commented.

He didn’t approach her, but instead he tended to the nearby fire. Hongjoong went to the nearby serving cart, pouring himself a drink with a large ice cube in his glass. Yunho met his Captain’s eyes solidly. Hongjoong’s hand went to squeeze his shoulder, reassuringly.

“I have eight lovers,” Seonghwa continued; it should be comforting that she was still included but her stomach only fizzled with burning coals. “You think a little disagreement will harm me, my dove?”

How dare he imply her legs being broken and her fury was nothing so flippantly?

“A little disagreement!” she gritted out, shifting her body to move as if she could hobble over to the cocky man. Her limbs argued immediately, zinging pain went up her legs as she grunted out a pained gasp.

Mingi and Jongho were quick to move to her side, kneeling down on scuffed knees to resettle her. Mingi’s eyes were wide, fearful. Jongho’s face was unreadable as he laid a protective hand across her legs, keeping them still.

“You’ll hurt yourself, baby,” Mingi insisted. “Be careful.”

Her hands formed little fists, and she huffed.

Seonghwa turned to glance at her, a sharp leer on his diamond-teeth.

“You can’t do much in this state, YN,” he said. “Be a good girl and sit back.”

She glared up at his beautiful face. YN could feel Mingi’s and Jongho’s bated breath against her knees. It was silent for a moment as she and the Consiglere of the Kim Clan glared at one another. It was strange. Out of all of her lovers, it felt like Seonghwa was the one most scorned. As if she had hurt him. Gaslighting her into thinking she was the villain. Despite the fact, she felt in her bones that he or Hongjoong orchestrated the attack on her. He was there that night. He was the one to ‘rescue’ her from her assailants, carry her to safety. A Lucifer-hero.

Yet here he stood with a stiff upper lip, a scowl in his eyes. Strange considering he still said he loved her – like a disappointed parent he strove to displine alongside Hongjoong.

Mingi’s head drooped. His forehead brushed against her clothed knees. His soft lips pressed a kiss there, to one knee and then the other reverently. Encouraging her to listen.

Her gaze shifted from Seonghwa to Hongjoong who stood swirling his drink. His tongue prodded his cheek, eyes deep and dark at they stared at her. Emotionless.

With a curled lip, she laid back into the cushions.

“Good girl,” Seonghwa praised, returning the fire-stoker to its holder with a clank. He glanced towards Yunho. “Is she well?”

“Doctor said all she needed was rest – he’ll check on her in a month. I insisted on sooner, but she is healthy, no fever, no infection.”

It felt dehumanizing for them to talk over her health like she wasn’t there. She glared over at Seonghwa, watching as he nodded and agreed with Yunho’s debrief, but when his gaze flickered to her, her eyes were chased away. Instead to rest back on Hongjoong.

Hongjoong. Flashes of their last encounters clashed in her head. An angel holding her in his arms, dark disappointment, brooding anger. A cruel mouth as he warned her to not follow through with what she was going to do. He was Scorpio’s son, through and through. Passionate in everything he did. Even now as he stared, there was the ringing depth in his eyes as he tilted his head in thought at her.

Yunho and Seonghwa talked about her health – mentions of medicine amounts, how one makes her drowsier than he’d like, restlessness. It was like Yunho was a proper doctor with how in-depth he was. She’d be flattered if they werent the reason.

“Reduce the medicine soon; I don’t want her becoming dependent.” Seonghwa commented.

Now that made her laugh, loud into the open air. Tears pricked her eyes.

“I can’t believe you – all of you,” she bit out. Her eyes continued to remain locked with Hongjoong.

She always knew he was the one that ran this place – everyone was in debted to him. Even her!

“You worry about dependency; this entire relationship is dependent.” She bit out.

Hongjoong’s brows didn’t twitch; his face remaine statuesque. He raised his glass to his lips swallowing down his drink as he watched her breakdown.

“Stop being difficult,” Seonghwa scolded.

Jongho was the one to speak up, his hand on her knees soothing circles above her casts. Jongho had been so distracted these few days – his mind locked on only her. Even now as she spat cruelty, he just wanted her happy, not angered and certainly not on Seonghwa’s bad side.

“She doesn’t mean it,” Jongho defended. “She’s just surprised. Aren’t you? You’re not trying to be difficult.”

Seonghwa sighed out, helplessly for a moment. Glancing over at Hongjoong, he tried to gauge his lover’s mind. He was always so hard to read. Jongho’s big eyes were easy to read when it came to the eldests. He was an open book, clay, maleable. Something to protect as well as shape. She made their strongest asset weep. He just wanted things to calm. And Seonghwa would indulge their youngest as long as he could.

It was a game she realized. The way Seonghwa shifted his gaze to her after a moment, firm lipped. Disappointed. It was a game. Like a patron and a protégé once again. Would she play?

“Love?” she hated that Jongho’s tenderness tugged at her heart. Her eyes drifted from the blank-faced Seonghwa to her sweetest lover. Jongho was on his knees, pleading.  

“I’m in shock,” she muttered to him. “I can’t dance, I can’t walk. And I know…” she glanced over at Seonghwa and Hongjoong. “I know that you had a part to play. How am I to feel?”

Jongho didn’t counter it; he buried his face into her lap.

“You can feel what you feel; it’ll fade. Now, you heal,” Mingi tried to counter again. He made her want to laugh. Heal… Tears tumbled over her cheeks. As if it was that easy, she wondered. Her hand was quick to wipe it before anyone else could.

“He’s right.” Seonghwa countered. “Everything is how it should be now. You’ll see.”

“The ballerina,” she bit out. “Your protégé has two broken legs. She cant walk or dance. It’s like you taking a fish from water and saying its natural fro them to breath air.”

“You havent been a protégé in some time, YN.” Hongjoong retorted, speaking for the first time since entering. His words were calculated and calm. “You are ours.”

He took a step forward.  

“You are mine. I don’t let my things leave me.” He said.

She shifted her attention on him fully. And challenged him once again.

“Did you do this, Hongjoong? Answer me.”

“I didn’t touch you, precious.” It was snarky, coy.

She slapped the couch angered, her composure faltering.

“You know what I mean, you bastard.” She barked out.

His face twitched at her disrespect. Mingi huffed into her knee and buried his face into the boney thing. Groaning internally. He knew where this would go.

“I think our angel is overwhelmed. She forgets her place.” Hongjoong commented. “Let’s leave her to calm down a bit, hm.”

“No, I want answers.”

And, like they were magnets, one by one, the men gravitated away from her and towards Hongjoong. Seonghwa’s disappointment radiated from every pore of his body. Yunho didn’t meet her eye. Hongjoong meanwhile kept his gaze on her. His stare was frightening. Unchanging and yet darkening as Mingi and Jongho reluctantly pulled themselves away from her.

“And I demand respect. Even from you, my love.”

Somehow it ached to see them creep away. Was it love or habit? She didn’t know. Her heart just panged as they turned away from her. All at the command of Hongjoong. Her breath came out wobbly. Emotions clashing.

“You’ll see it my way soon.” Hongjoong stated, watching as the door closed behind the last man. Just him and her were left; YN stuck on her island of a couch while Hongjoong strolled away.

“You are right where you belong.” The doors shut behind him, locking with a clank.

YN let out a shriek of frustration before chucking a pillow at the door.

[sammy-bryant]

Ever since he played the sweet-faced teenage boy who stands up for Kevin Kline’s outed gay teacher at the end of 1997’s “In & Out,” Shawn Hatosy has endeared himself to a wide audience.

In the intervening years, he has worked nonstop, popping up in films directed by Robert Rodriguez (“The Faculty)”, Werner Herzog (“Bad Lieutenant: Port of Call New Orleans”) and Michael Mann (“Public Enemies”) and on TV in acclaimed series like NBC/TNT’s cop drama “Southland” and TNT’s crime saga “Animal Kingdom.” Now his supporting turn as Dr. Jack Abbot, an ER doctor in Max’s “The Pitt,” is earning him a new kind of acclaim. Never mind that the character appears in less than a third of the series’ first 15 episodes.

“I’ve never experienced anything like it,” Hatosy said. Dr. Abbot works the night shift, initially only crossing paths with Noah Wyle’s Dr. Robby when he’s getting ready to punch out. But a mass shooting brings him back to the hospital, and over time we learn that he is a military vet and amputee harboring a well of pain.

“The response has been so tremendous — within the industry, of course, which has been nice — but also to play a character who is universally liked,” he said. “I’ve played some characters where it could go either way, you know? Also, just going out into the world and meeting people who watch the show, who were affected by it, where a doctor or a single-leg amputee says to me, ‘This is a life-changing show for me. Nobody’s ever given a voice to me.’”

Part of the appeal of Dr. Abbot, Hatosy believes, is how honestly he handles the messiness of his job and his life. “He’s someone who’s learned to lead without ever asking for it, and that built from this idea that in combat, you don’t really get to decide. You just step up. And that’s what he brings into the ER. He’s not polished or overly intellectual. His instincts were shaped by necessity, and that became the spine of how I played him.”

Playing Dr. Abbot is something of a full-circle moment for Hatosy, who in 2006 had a guest-starring role as a patient in NBC’s “ER.” In the mid-aughts, Hatosy reteamed with “ER” creator John Wells for “Southland.” “Our creative relationship has evolved and deepened over the years, and with each project, that trust has grown,” Hatosy said. “John’s belief in me makes me feel like I can take risks, push deeper and fully live inside the character.”

Hatosy is currently shooting the horror comedy sequel “Ready or Not 2: Here I Come” with his Faculty costar Elijah Wood, but with a second season of “The Pitt” in the works, he’ll be back in scrubs soon enough. Whether or not Dr. Abbot is featured more prominently in Season 2, as many fans are hoping, Hatosy won’t say. He is, he said, just grateful to be a part of such a well-received series. “There are thousands of actors out there who have stepped into John’s office at some point to audition for a guest role on “ER,” and I was lucky to be one of them,” he said. “I’m just so glad I did, because it began this creative collaboration that has gone on now for 20 years.”

[marsable-27]

Jason and Ballet

(MDNI)

You were nervous. And okay, at the same time scared shitless. Because what type of person would move to Gotham, New Jersey of all places?

But your long-distance friend, Dick Grayson, promised you that he could keep you safe if you decided to start the Gotham University Performance Arts program. (Which weirdly had a high rate of individuals becoming pros in their respected fields.)

So, after having an intense conversation with your parents and siblings about it...you decided to take the risk and move 4 states over from the home you always knew...to the place that people used as cautionary tales.

At first, you hated it. Smog made everything look gray, and the sky never looked blue. You were even worried that if you breathed the air of Gotham, you'd have lung problems and there goes your career as a ballerina.

But somehow, you adjusted.

And then your very handsome long-distance friend became your best friend as he helped you practice for your audition, which was looming closer and closer to you more than you cared to admit.

But sometimes, Dick would disappear for days at a time, and send his younger brother Jason to help you.

At first, it was awkward. Jason had the stillness that came from years of fighting professionally, and he couldn't quite grasp the stretches and exercises you needed to do to keep your body in shape. Sometimes, if you weren't paying attention, you could see him admire you as all your weight was pressed onto one toe, and you held it like that for long periods of time, until it was time to move again. And yes, he did double takes when he saw how limber you were ("Because no way can you just casually lift your leg that high up, and keep it there"), trying to see if he can do it himself.

Eventually, Jason takes over as your practice partner, coming in instead of Dick, even when Dick is available, insisting he go back to spending time with Kori his girlfriend, and you're flattered, thinking nothing of it as you and Jason fall into a steady rhythm of practicing with one another.

But then you feel the pressure of your audition coming up, and dances that you could do in your sleep, you fumble. Your balance messes up, and doubts start to fill in your mind.

"I don't know Jason, I'm just...really messing up for some reason." You tell him one day that you ended practice early, and decided to get coffee early.

"You think you might be overthinking it because auditions are in less than a month?" he asks, as he takes a sip from his Americano with two creams and one sugar.

Stressed, you nod, and the both of you are silent for a moment.

Then, Jason pulls out a pen as he scribbles something on a napkin.

"Look, before practice tomorrow, I want you to come over my place and we can discuss a plan to help with your doubts, okay?" he says, as he slides the napkin towards you.

You think about it, and then nod. You need all the tips you can get.

After that, the conversation turns less serious, and soon after you part ways, Jason heading to his apartment, and you heading to the studio you rented.

You weren't sure what you imagined Jason's apartment complex to look like, but this wasn't it. It looks less ostentatious and more cozy, closer to those small-town motels you'd seen in movies. You walk through the maze of hallways until you find his apartment door, knocking on it.

"It's open!" Jason calls out, sounding rushed as he drops something, and swears, another thud sounding out.

You walk in, and see the interior of his home, shelves upon shelves of books lining up on his walls, faded superhero posters crammed on almost every wall surface, and a faded plush red couch, a coffee table with family pictures lined up on it.

You don't see Jason yet, so you hold up some of the picture frames, smiling at the group photos on there. Dick had told you about his extensive adopted siblings, and though you hadn't met them yet, it was nice to see faces to names you've always heard about.

"You made it." Jason said behind her, breathless. He was leaning down, hands on his knees as he wore shirt with the sleeves torn off.

You never noticed how...muscled he was though.

You take a deep breath, and try to calm the thoughts bouncing through your head.

After all, what kind of trouble could the two of you get into?

[kbcca]

Accounting Firms in India: Enabling Financial Growth for Modern Businesses

The Essential Role of Accounting Firms in India

In today’s competitive business environment, accounting firms in India have become indispensable to companies aiming for financial transparency, legal compliance, and sustained growth. These firms are not only handling traditional tasks like bookkeeping and tax filing but are also offering strategic support in areas such as auditing, payroll management, and financial consulting. As India’s economy continues to evolve, the role of accounting professionals is becoming more crucial than ever.

With the increasing complexity of tax laws and financial regulations, businesses are turning to professional accounting firms to manage their financial responsibilities accurately and efficiently. The right firm can help reduce financial risks, ensure compliance with Indian accounting standards, and support the overall decision-making process.

Why Businesses Choose Professional Accounting Firms

Managing finances internally can be overwhelming, especially for small and mid-sized businesses. That’s why many organizations choose to outsource accounting functions to expert firms. Here’s why this trend is growing:

Regulatory Compliance: Accounting firms keep up with evolving tax laws, ensuring that businesses remain compliant with GST, income tax, and MCA regulations.

Cost Savings: Outsourcing is often more affordable than hiring an in-house accounting team, reducing operational costs.

Efficiency and Accuracy: Professional firms use advanced software and tools to ensure accurate record-keeping and timely financial reporting.

Scalable Solutions: Services can be adjusted to meet the needs of growing businesses, from startups to established enterprises.

Services Offered by Accounting Firms in India

Accounting firms in India offer a wide range of services tailored to different types of businesses. These include:

1. Bookkeeping and Financial Reporting

Maintaining organized financial records is the foundation of sound business practices. Firms handle daily transaction tracking, journal entries, ledger management, and monthly financial statement preparation.

2. Tax Planning and Filing

Navigating India’s tax system can be challenging. Accounting firms assist with GST returns, income tax filings, TDS calculations, and tax audits, while also advising on effective tax-saving strategies.

3. Audit and Assurance Services

Internal audits, statutory audits, and compliance audits help identify risks and inefficiencies. These services enhance transparency and build trust with stakeholders and investors.

4. Payroll and Compliance Management

From salary processing to PF, ESI, and professional tax deductions, accounting firms handle every aspect of payroll while ensuring compliance with labor laws and statutory requirements.

5. Business Advisory and Financial Consulting

Many firms also provide financial planning, budgeting, and forecasting services. This helps business owners make informed decisions based on data-driven insights.

Qualities to Look for in an Accounting Firm

Choosing the right accounting partner is a strategic business decision. When evaluating potential firms, consider the following:

Certification and Experience: Ensure the firm is registered with the Institute of Chartered Accountants of India (ICAI) and has experience in your industry.

Technological Capability: Look for firms that use modern accounting tools such as Tally, Zoho Books, QuickBooks, or Xero.

Transparent Communication: A reliable firm provides regular updates, clear reports, and prompt support.

Customizable Services: Every business has unique needs. Choose a firm that offers tailored solutions instead of one-size-fits-all packages.

The Advantages of Hiring Indian Accounting Firms

India’s accounting sector is recognized for its high standards of professionalism and affordability. Some of the key benefits include:

Skilled Workforce: India produces thousands of qualified CAs and finance professionals each year.

Language Proficiency: English-speaking professionals make communication seamless for both domestic and international clients.

Competitive Pricing: Indian firms offer world-class services at cost-effective rates, making them attractive for global outsourcing.

The Evolving Future of Accounting in India

The accounting industry in India is rapidly adapting to technological innovation. Automation, artificial intelligence (AI), and cloud computing are transforming how firms deliver services. Clients now benefit from real-time financial data, predictive analytics, and paperless operations.

Additionally, government initiatives such as faceless assessments, e-invoicing, and digital compliance are pushing accounting firms to adopt smarter workflows and enhance client service quality.

As businesses continue to embrace digital transformation, accounting firms are expected to play an even bigger role—not just as compliance experts, but as strategic financial advisors.

Conclusion

In a fast-changing economic landscape, accounting firms in India have emerged as trusted partners for businesses that want to operate with confidence and clarity. Their expertise, combined with advanced technology and deep regulatory knowledge, allows companies to focus on their core activities while leaving the complexities of finance and compliance to the professionals.

Whether you're launching a startup, managing a growing enterprise, or expanding internationally, working with a reliable accounting firm can drive efficiency, reduce risk, and support long-term success.

[creepyscritches]

I read your post about open enrollment for the ACA and was hoping you might expand on why you believe it would take years to dismantle. I've been terrified that with a Republican house/senate, Trump could just snap his fingers and make it go away within months of taking office. I'd love some reassurance that that's not possible.

Hiya, sure I can share some thoughts on the matter! First, it's very important to understand the ACA is a huuuuuuuuuuuuge system with subject matter experts in dozens of places throughout the process. I'm one of those SMEs, but I am at the end of the process where the revenue is generated, so my insight is limited on the public facing pieces.

What this means is that I am professionally embedded in the ACA in a position that exists purely to show what conditions people are treated for and then generate that data into what's called a "risk score". There's about 6 pages I could write on it, but the takeaway is that the ACA is

1) intricately interwoven with the federal government

2) increasingly profitable, sustainable, and growing (it is STILL a for-profit system if you can believe it)

3) wholeheartedly invested in by the largest insurance companies in the country LARGELY due to the fact that they finally learned the rules of how to make the ACA a thriving center of business

4) since the big issuers are arm+leg invested in the ACA, there is a lot of resistance politically and on an industry level to leave it behind (think of the lobbyists, politicians, corporations that will fight tooth and nail to protect their profit + investment)

The process to calculate a risk score takes roughly 2 years. There is an audit for the concurrent year and then a vigorous retro audit for the prev year - - this is a rolling cycle every year. Medicare has a similar process. These are RVP + RADV audits if you would like the jargon.

Eliminating the ACA abruptly is as internally laughable as us finishing the RADV audit ahead of schedule. If Trump were to blow the ACA into smithereens on day 1, he would be drowning in issuer complaints and an economic health sector that is essentially bleeding out. You cut off the RVP early? We have half of next RADV stuck in the gears now. You cut off the RADV early? No issuer will get their "risk adjusted" payments for services rendered in the prev benefit year (to an extent, again very complex multi-process system).

The ACA is GREAT for the public and should be defended on that basis alone. However, the inner capitalistic nature of the ACA is a powerful armor that has conservatives + liberals defending it on a basis of capital + market growth. It's not sexy, but it makes too much money consistently for the system to be easily dismantled.

Or at least that's what I can tell you from the money center of the ACA. they don't bring us up in political conversation because we are confusing to seasoned professionals, boring to industry outsiders, and consistently we are anathema to the anti-ACA talking points.

I am already preparing for next year's RVP for this window of open enrollment. That RVP process will feed into the RADV in 2026. In 2025, we begin the RADV for 2024. If nothing else, the slow fucking gears of CMS will keep the ACA alive until we finish our work at the end of the process. I highly doubt that will be the only reason the ACA is safeguarded, but it is a powerful type of support to pair with people protecting the ACA for other reasons.

I work every day to show, defend, and educate on how many diagnoses are managed thru my company's ACA plans. My specialty is cancer and I see a lot of it. The revenue drive comes from the Medical Loss Ratio (MLR) rule stating only 20% MAX of profit may go to the issuer + the 80% at a minimum must go back to the customer or be invested in expanding benefits. The more people on the plan using it, the higher that 20% becomes for the issuer and the more impactful that 80% becomes for the next year of benefit growth. It is remarkably profitable once issuers stop seeking out "healthy populations". The ACA is a functional method for issuers to tap into a stable customer base (sick/chronic ill customers) that turns a profit, grows, and builds strong consumer bases in each state.

The industry can never walk away from this overnight - - this is the preferred investment for many big players. Changing the direction of those businesses will be a monumental effort that takes years (at least 2 with the audits). In the meantime, you still have benefits, you still have care, and you still have reason to sign up. Let us deal with the bureaucracy bullshit, go get your care and know you have benefits thru 2025 and we will be working to keep it that way for 2026 and forward. This is a wing of the federal government, it is not a jenga tower like Trump wishes.

[joshinglis123]

Navigate the New Rules of ZATCA e-Invoicing Phase 2

The digital shift in Saudi Arabia’s tax landscape is picking up speed. At the center of it all is ZATCA e-Invoicing Phase 2—a mandatory evolution for VAT-registered businesses that brings more structure, security, and real-time integration to how invoices are issued and reported.

If you’ve already adjusted to Phase 1, you’re halfway there. But Phase 2 introduces new technical and operational changes that require deeper preparation. The good news? With the right understanding, this shift can actually help streamline your business and improve your reporting accuracy.

Let’s walk through everything you need to know—clearly, simply, and without the technical overwhelm.

What Is ZATCA e-Invoicing Phase 2?

To recap, ZATCA stands for the Zakat, Tax and Customs Authority in Saudi Arabia. It oversees tax compliance in the Kingdom and is driving the movement toward electronic invoicing through a phased approach.

The Two Phases at a Glance:

Phase 1 (Generation Phase): Started in December 2021, requiring businesses to issue digital (structured XML) invoices using compliant systems.

Phase 2 (Integration Phase): Began in January 2023, and requires companies to integrate their invoicing systems directly with ZATCA for invoice clearance or reporting.

This second phase is a big leap toward real-time transparency and anti-fraud efforts, aligning with Vision 2030’s goal of building a smart, digital economy.

Why Does Phase 2 Matter?

ZATCA isn’t just ticking boxes—it’s building a national infrastructure where tax-related transactions are instant, auditable, and harder to manipulate. For businesses, this means more accountability but also potential benefits.

Benefits include:

Reduced manual work and paperwork

More accurate tax reporting

Easier audits and compliance checks

Stronger business credibility

Less risk of invoice rejection or disputes

Who Must Comply (and When)?

ZATCA isn’t pushing everyone into Phase 2 overnight. Instead, it’s rolling out compliance in waves, based on annual revenue.

Here's how it’s working:

Wave 1: Companies earning over SAR 3 billion (Started Jan 1, 2023)

Wave 2: Businesses making over SAR 500 million (Started July 1, 2023)

Future Waves: Will gradually include businesses with lower revenue thresholds

If you haven’t been notified yet, don’t relax too much. ZATCA gives companies a 6-month window to prepare after they're selected—so it’s best to be ready early.

What Does Compliance Look Like?

So, what exactly do you need to change in Phase 2? It's more than just creating digital invoices—now your system must be capable of live interaction with ZATCA’s platform, FATOORA.

Main Requirements:

System Integration: Your invoicing software must connect to ZATCA’s API.

XML Format: Invoices must follow a specific structured format.

Digital Signatures: Mandatory to prove invoice authenticity.

UUID and Cryptographic Stamps: Each invoice must have a unique identifier and be digitally stamped.

QR Codes: Required especially for B2C invoices.

Invoice Clearance or Reporting:

B2B invoices (Standard): Must be cleared in real time before being sent to the buyer.

B2C invoices (Simplified): Must be reported within 24 hours after being issued.

How to Prepare for ZATCA e-Invoicing Phase 2

Don’t wait for a formal notification to get started. The earlier you prepare, the smoother the transition will be.

1. Assess Your Current Invoicing System

Ask yourself:

Can my system issue XML invoices?

Is it capable of integrating with external APIs?

Does it support digital stamping and signing?

If not, it’s time to either upgrade your system or migrate to a ZATCA-certified solution.

2. Choose the Right E-Invoicing Partner

Many local and international providers now offer ZATCA-compliant invoicing tools. Look for:

Local support and Arabic language interface

Experience with previous Phase 2 implementations

Ongoing updates to stay compliant with future changes

3. Test in ZATCA’s Sandbox

Before going live, ZATCA provides a sandbox environment for testing your setup. Use this opportunity to:

Validate invoice formats

Test real-time API responses

Simulate your daily invoicing process

4. Train Your Staff

Ensure everyone involved understands what’s changing. This includes:

Accountants and finance officers

Sales and billing teams

IT and software teams

Create a simple internal workflow that covers:

Who issues the invoice

How it gets cleared or reported

What happens if it’s rejected

Common Mistakes to Avoid

Transitioning to ZATCA e-Invoicing Phase 2 isn’t difficult—but there are a few traps businesses often fall into:

Waiting too long: 6 months isn’t much time if system changes are required.

Relying on outdated software: Non-compliant systems can cause major delays.

Ignoring sandbox testing: It’s your safety net—use it.

Overcomplicating the process: Keep workflows simple and efficient.

What Happens If You Don’t Comply?

ZATCA has teeth. If you’re selected for Phase 2 and fail to comply by the deadline, you may face:

Financial penalties

Suspension of invoicing ability

Legal consequences

Reputation damage with clients and partners

This is not a soft suggestion—it’s a mandatory requirement with real implications.

The Upside of Compliance

Yes, it’s mandatory. Yes, it takes some effort. But it’s not all downside. Many businesses that have adopted Phase 2 early are already seeing internal benefits:

Faster approvals and reduced invoice disputes

Cleaner, more accurate records

Improved VAT recovery processes

Enhanced data visibility for forecasting and planning

The more digital your systems, the better equipped you are for long-term growth in Saudi Arabia's evolving business landscape.

Final Words: Don’t Just Comply—Adapt and Thrive

ZATCA e-invoicing phase 2 isn’t just about avoiding penalties—it’s about future-proofing your business. The better your systems are today, the easier it will be to scale, compete, and thrive in a digital-first economy.

Start early. Get the right tools. Educate your team. And treat this not as a burden—but as a stepping stone toward smarter operations and greater compliance confidence.

Key Takeaways:

Phase 2 is live and being rolled out in waves—check if your business qualifies.

It requires full system integration with ZATCA via APIs.

Real-time clearance and structured XML formats are now essential.

Early preparation and testing are the best ways to avoid stress and penalties.

The right software partner can make all the difference.

[mayerfeldconsulting]

Risk is inevitable.

But being unprepared isn’t an option.

A structured approach to risk management ensures that businesses stay resilient in uncertain times.

Here’s how:

1️⃣ Identify potential risks: Assess financial, operational, cybersecurity, and regulatory threats.

2️⃣ Evaluate risk likelihood and impact: Prioritize risks based on severity and probability.

3️⃣ Develop mitigation strategies: Implement process improvements, technology upgrades, and contingency plans.

4️⃣ Monitor and adjust: Use real-time data, audits, and continuous assessment to stay ahead.

At Mayerfeld Consulting, we guide businesses through a step-by-step risk management process that enhances stability and ensures preparedness.

Proactive risk management isn’t just about avoiding losses, it’s about enabling long-term success.

How does your organization assess and manage risks?

[cromediacompany]

Harnessing Passive Income with CRO Strategies: Insights by cro.media

Boost your landing page's effectiveness with CRO principles and maximize conversions.

Source: https://cro.media/insights/ux-ui/crafting-high-performing-landing-pages-cro-principles/

Passive income represents the epitome of working smarter, not harder, with its potential to supplement earnings and build long-term wealth. At cro.media, we believe that passive income ventures, much like Conversion Rate Optimization (CRO), are about maximizing value from every effort. Here's how CRO principles can amplify passive income strategies.

Transforming Traffic Into Conversions

For many passive income ideas, from dropshipping to affiliate marketing, the key to success lies in effective CRO:

Optimized User Flows: Ensure a seamless journey from discovery to purchase with intuitive navigation and clear calls-to-action (CTAs).

A/B Testing: Experiment with landing pages, product descriptions, and CTAs to identify what drives the most conversions.

Data-Driven Insights: Leverage analytics to understand user behavior and refine strategies to align with audience preferences.

By fine-tuning the user experience, CRO transforms passive income ventures into scalable revenue streams.

Passive Income Meets Automation

Automation is central to both CRO and passive income:

Streamlining Workflows: Use tools to automate repetitive tasks, such as email marketing for digital product sales or ad retargeting for affiliate links. Learn more about Shopify app development.

Predictive Analytics: CRO tools can forecast which strategies will yield the best ROI, allowing you to focus on the most lucrative income streams.

Cross-Selling Opportunities: For dropshipping or print-on-demand stores, automated product recommendations can increase average order value.

Automation minimizes manual intervention, keeping passive income truly passive.

Enhancing Credibility and Trust

Trust is a critical CRO factor, especially for passive income models reliant on online sales or investments:

Social Proof: Showcase customer reviews or user-generated content to validate your offerings.

Secure Transactions: Highlight security features, such as encrypted payment systems, to reassure customers.

Professional Design: A visually appealing, functional website fosters credibility and encourages conversions.

"Strong CRO foundations ensure trust remains high, driving repeat engagement and income growth."

Strong CRO foundations ensure trust remains high, driving repeat engagement and income growth. See our Shopify agency services.

Diversification Through Strategic Insights

Just as CRO encourages testing and adaptation, passive income requires diversification:

Experimentation: Test multiple streams, such as affiliate marketing, digital product sales, or REIT investments, to identify the most profitable avenues.

Audience Segmentation: Use CRO principles to segment audiences and tailor offerings, ensuring relevance and resonance with target groups.

Sustainable Scaling: Focus on scalable models like print-on-demand or stock photography, which grow without proportional increases in effort.

Diversified strategies supported by CRO insights reduce risk and maximize passive income potential.

Maximizing Long-Term Gains

CRO's iterative nature aligns perfectly with building sustainable passive income:

Continuous Improvement: Regularly refine strategies based on performance data, from content adjustments to pricing experiments.

Retention Optimization: Implement loyalty programs or subscription models to maintain consistent revenue streams.

Scalability Focus: Invest in scalable tools and platforms that grow alongside your passive income ventures.

"By merging CRO methodologies with passive income strategies, businesses can achieve compounding results over time."

By merging CRO methodologies with passive income strategies, businesses can achieve compounding results over time. Check out our Shopify CRO audit services.

Partner with cro.media for Optimized Income Strategies

At cro.media, we specialize in leveraging CRO to optimize revenue streams, ensuring that every click and interaction contributes to your financial goals. Whether you're launching a dropshipping store or investing in digital assets, our expertise transforms potential into profit. Let’s elevate your passive income journey today.

[planpostai]

How AI-Driven Marketing & Automation Are Revolutionizing Digital Advertising in 2025

The digital advertising landscape is undergoing a seismic shift. By 2025, the global digital ad market is projected to exceed $1.3 trillion, driven by advancements in artificial intelligence (AI) and automation. Brands that fail to adapt risk being left behind. In this article, we explore how AI-driven marketing and automation are reshaping strategies, enhancing efficiency, and delivering unprecedented ROI in 2025.

The Rise of AI in Marketing

AI has evolved from a buzzword to a core component of marketing strategies. By 2025, over 80% of industry leaders will leverage AI tools to optimize campaigns, personalize experiences, and predict consumer behavior. Machine learning algorithms now process vast datasets in real time, enabling marketers to make data-driven decisions faster than ever.

Key Trends Shaping AI-Driven Marketing in 2025

1. Hyper-Personalization at Scale

Gone are the days of generic ads. AI analyzes behavioral, demographic, and contextual data to craft hyper-personalized content. For example:

Dynamic Email Campaigns: Tools like PlanPost AI generate tailored subject lines and product recommendations, boosting open rates by 40%.

Personalized Ads: AI adjusts creatives in real time based on user interactions, increasing conversion rates by 30%.

2. Predictive Analytics and Decision-Making

AI’s predictive capabilities allow brands to forecast trends and consumer needs. PlanPost AI’s predictive analytics tools, for instance, help businesses allocate budgets to high-performing channels, reducing wasted ad spend by up to 50%.

3. Autonomous Campaign Management

Self-optimizing campaigns are the future. AI algorithms adjust bids, audiences, and creatives autonomously. A clothing brand using PlanPost AI reported a 25% increase in ROAS after switching to AI-managed campaigns.

4. Enhanced Customer Journey Mapping

AI identifies gaps in the customer journey by analyzing touchpoints across devices and platforms. This enables brands to deliver seamless experiences, improving retention by 35%.

5. Voice and Visual Search Optimization

With 60% of consumers using voice or visual search in 2025, AI tools optimize content for natural language queries and image recognition, ensuring brands remain visible in evolving search ecosystems.

The Role of Automation in Digital Advertising

Programmatic Advertising 2.0

Automation powers real-time bidding (RTB) and ad placements. AI-enhanced programmatic platforms like PlanPost AI analyze user intent, serving ads at the perfect moment while reducing costs by 20%.

Chatbots and Conversational AI

Intelligent chatbots handle 70% of customer interactions by 2025, resolving queries instantly and nurturing leads 24/7.

AI-Powered Content Generation

Tools like PlanPost AI create high-quality blog posts, social media captions, and video scripts in minutes, freeing teams to focus on strategy.

Cross-Channel Integration

Automation unifies campaigns across Google Ads, Meta, TikTok, and emerging platforms. AI tracks performance metrics, reallocating budgets dynamically for maximum impact.

PlanPost AI: Your Partner in the AI Marketing Revolution

PlanPost AI stands out as a comprehensive solution for 2025’s challenges. Key features include:

Predictive Budget Allocation: Maximize ROI with AI-driven spend recommendations.

Dynamic Creative Optimization (DCO): Auto-generate ads tailored to individual users.

Cross-Platform Analytics: Track performance in real time across 10+ channels.

Ethical AI Compliance: Built-in safeguards to ensure data privacy and reduce bias.

Challenges and Ethical Considerations

While AI offers immense potential, challenges persist:

Data Privacy: Stricter regulations like GDPR require transparent data usage.

Algorithmic Bias: Regular audits are critical to avoid skewed outcomes.

Over-Automation: Balancing AI efficiency with human creativity remains key.

Conclusion: Embrace the Future Today

AI-driven marketing and automation aren’t just trends—they’re the foundation of 2025’s digital advertising ecosystem. Brands that adopt tools like PlanPost AI will dominate through hyper-personalized campaigns, predictive insights, and seamless cross-channel execution.

Ready to revolutionize your strategy? Explore PlanPost AI’s cutting-edge solutions and stay ahead in the AI marketing race.

[omgmaxsmith-blog]

How Outsource Insurance Underwriting Services Improve Risk Assessment Accuracy

The importance of accurate underwriting in insurance has increased, helping to decrease risks, build trust among customers and keep operations efficient. Companies in the insurance industry are expected to give quick responses while still managing risks well. Utilizing outsource insurance underwriting has become popular, as it accurately measures risks at a lower cost.

As operating in the insurance sector becomes more demanding, firms are trying out operational models that combine speed and high quality. Using outsource insurance underwriting is an example of a plan that blends people’s capabilities, automation and using information. Outsourcing tasks helps insurers handle work better, offer more efficient services and check underwriting for errors. Now, it helps create consistent processes for underwriting, meet customer demands and follow regulations in various areas.

1. Better Risk Assessment Through Technology and Process Control

Outsourced underwriting providers use structured processes, digital platforms, and automated decision tools. These systems analyze large volumes of data, detect inconsistencies, and apply risk rules more consistently than manual reviews. As a result, underwriting becomes more reliable. According to a Deloitte study, 61% of insurers using outsourced models saw better accuracy in their underwriting decisions.

2. Access to Experienced Underwriting Talent

Outsourcing partners maintain trained underwriting teams across multiple insurance lines—life, health, property, and casualty. These professionals follow strict underwriting guidelines and undergo regular training. Their experience reduces decision errors, even with complex risk profiles. A McKinsey report noted that insurers working with external underwriters cut their average underwriting time by 35% and reduced rework by 28%.

3. Lower Operational Costs with Scalable Capacity

Hiring, training, and maintaining an internal underwriting team requires high ongoing investment. By outsourcing insurance underwriting, insurers shift to a flexible cost model. Service providers manage staffing, infrastructure, and compliance at scale. This helps insurers save money and adjust quickly to market demands—without slowing down operations or quality.

4. Stronger Compliance and Risk Control

Outsourced underwriting firms work under formal Service Level Agreements (SLAs). These contracts ensure that all activities follow regulatory requirements, such as HIPAA, GDPR, and country-specific insurance laws. Outsourcing partners also maintain audit-ready documentation and track every transaction. PwC found that insurers using outsourced models improved audit readiness by 40% and reduced compliance issues by 25%.

5. Focus on Strategic Growth

By outsourcing routine underwriting tasks, insurers free up internal teams for higher-value work. This includes developing new products, improving customer experience, and expanding into new markets. Outsourcing removes time-consuming operational bottlenecks, helping insurers grow without increasing headcount.

Leading Outsource Insurance Underwriting Providers

Several recognized firms offer outsource insurance underwriting support at scale. These include EXL Service, Xceedance, Infosys BPM, and WNS Global Services. Outsourcing insurance underwriting is no longer just a cost-cutting move—it’s a way to improve accuracy, scale operations, and strengthen compliance. With the right partner, insurers can increase efficiency, reduce risk, and improve time-to-decision without sacrificing quality.

[lawrbit]

🇮🇳 Union Budget 2025–26: What Businesses Need to Know About Tax and Compliance 📊

India's Union Budget 2025–26 is out—and it’s packed with updates that impact how businesses manage taxes and stay compliant.

Whether you’re a startup, MSME, or a growing e-commerce brand, this year’s budget is a reminder that regulatory compliance risk management isn't something to delay.

💸 Direct Tax: Reliefs and Digital Push

Some key takeaways from the direct tax side:

Higher limits under presumptive taxation = easier compliance for small businesses.

Clearer taxation rules for digital assets.

More faceless assessments and online processes.

This reflects a clear shift toward digital-first compliance, and adopting a proper compliance management system can help businesses keep up without getting overwhelmed.

🧾 Indirect Tax: GST Simplified, E-Invoicing Expanded

The budget also fine-tunes GST and customs processes:

Smaller businesses can now file simpler GST returns.

E-invoicing is being extended to even lower turnover slabs.

Customs duties adjusted for electronics and green tech goods.

It’s obvious that digital tracking is becoming the norm. A solid compliance software setup will be essential to avoid late filings and penalties.

🚀 Why This Matters for Startups and MSMEs

While tax benefits and reliefs are great, many smaller businesses often delay setting up proper compliance frameworks—which leads to problems later.

💡 Tip: Use compliance management software that not only reminds you of due dates but also keeps records ready for audits.

Whether you're filing GST, managing TDS, or updating ROC, a single dashboard can make your life much easier.

📈 Compliance is Now Business Strategy

As India pushes forward with digitized governance and stricter reporting norms, regulatory compliance risk management is no longer optional.

Startups, especially in fintech, SaaS, and retail, should start treating compliance like an investment—not an afterthought.

If you're still relying on spreadsheets and manual updates, now’s the time to shift.

🔍 Want a Full Breakdown?

Read the full budget highlights here: 👉 Union Budget 2025–26: Direct & Indirect Tax Updates

[juniperallen]

Auction Inventory Software: Elevating Efficiency in Auction Management

Auction inventory software revolutionizes how auction organizers manage, track, and catalog items. This technology brings efficiency to every stage of the auction process, from listing items to final sales. With real-time tracking and automated reporting features, inventory software simplifies operations for auction houses, online platforms, and private sellers, creating a seamless and well-organized experience for all involved.

Key Features and Advantages of Auction Inventory Software

Auction inventory software offers essential tools that streamline auction management, boost efficiency, and improve accuracy. Here’s a summary of its top features:

Streamlined Cataloging and ListingsEnables easy digital cataloging with photos and descriptions, allowing auctioneers to present organized, engaging listings that attract more bidders.

Real-Time TrackingProvides real-time monitoring of item locations and status, enhancing organization and transparency, and reducing risks of item misplacement.

Automated Valuation and PricingUses historical data and market insights to set competitive, data-driven prices, building bidder confidence and saving time.

Integrated Bidding PlatformConnects item listings to live or timed bidding, creating a unified platform for bidding, which simplifies management and ensures accurate tracking.

Reporting and AnalyticsDelivers insights on bidding patterns, item popularity, and performance, empowering auction organizers to refine strategies for future success.

Auctions That Benefit from Inventory Software

Inventory software’s flexibility makes it suitable for various types of auctions, from traditional to online formats. Here are some types that benefit most:

Estate and Personal Property: Perfect for managing and cataloging a wide range of items.

Fine Art and Collectibles: Supports detailed descriptions and high-quality images, ideal for unique or high-value pieces.

Real Estate Auctions: Simplifies tracking of properties and supports regulatory compliance with accurate record-keeping.

Vehicle Auctions: Tracks different types of vehicles with tools for valuation and condition reports.

Enhancing Efficiency with Auction Inventory Software

Auction inventory software boosts efficiency by centralizing data, minimizing manual entry, and enabling quick adjustments. With real-time updates and easy access to information, teams can work faster and make informed decisions, improving the overall participant experience.

The software securely stores records, facilitating compliance and ensuring that auction teams maintain audit-ready data for future planning. Streamlining access to auction details, it helps keep operations organized, allowing teams to focus on delivering engaging experiences while safeguarding essential auction data.

The Future of Auction Inventory Software

As technology advances, auction software is expected to incorporate even more features. Artificial intelligence could enhance item appraisals, while blockchain technology might improve transparency and security in tracking. Augmented reality could provide a more interactive experience, allowing bidders to view items virtually before making bids. As these advancements become available, auction inventory software will continue to evolve, offering even more value to auction organizers.

Conclusion

Auction inventory software reshapes the auction experience with streamlined cataloging, tracking, and data analysis features. By reducing manual work and enhancing organization, this software supports more efficient auctions and delivers a better experience for bidders. For auction organizers looking to improve efficiency, engage bidders, and achieve optimal results, integrating live auction software with inventory management systems is an invaluable asset. As the auction industry grows and modernizes, inventory software will remain essential, raising standards for service and auction outcomes.

[busstalks]

Best 10 Business Strategies for year 2024

In 2024 and beyond, businesses will have to change with the times and adjust their approach based on new and existing market realities. The following are the best 10 business approach that will help companies to prosper in coming year

1. Embrace Sustainability

The days when sustainability was discretionary are long gone. Businesses need to incorporate environmental, social and governance (ESG) values into their business practices. In the same vein, brands can improve brand identity and appeal to environmental advocates by using renewable forms of energy or minimizing their carbon footprints.

Example: a fashion brand can rethink the materials to use organic cotton and recycled for their clothing lines. They can also run a take-back scheme, allowing customers to return old clothes for recycling (not only reducing waste but creating and supporting the circular economy).

2. Leverage AI

AI is revolutionizing business operations. Using AI-fuelled solutions means that you can automate processes, bring in positive customer experiences, and get insights. AI chatbots: AI can be utilized in the form of a conversational entity to support and perform backend operations, as well.

With a bit more specificity, say for example that an AI-powered recommendation engine recommends products to customers based on their browsing history and purchase patterns (as the use case of retail). This helps to increase the sales and improve the shopping experience.

3. Prioritize Cybersecurity

Cybersecurity is of utmost important as more and more business transitions towards digital platforms. Businesses need to part with a more substantial amount of money on advanced protective measures so that they can keep sensitive data private and continue earning consumer trust. Regular security audits and training of employees can reduce these risks.

Example: A financial services firm may implement multi-factor authentication (MFA) for all online transactions, regularly control access to Internet-facing administrative interfaces and service ports as well as the encryption protocols to secure client data from cyberattacks.

4. Optimizing Remote and Hybrid Working Models

Remote / hybrid is the new normal Remote teams force companies to implement effective motivation and management strategies. Collaboration tools and a balanced virtual culture can improve productivity and employee satisfaction.

- Illustration: a Tech company using Asana / Trello etc. for pm to keep remote teams from falling out of balance. They can also organise weekly team-building activities to keep a strong team spirit.

5. Focus on Customer Experience

Retention and growth of the sales follow-through can be tied to high quality customer experiences. Harness data analytics to deepen customer insights and personalize product offers making your marketing campaigns personal: a customer support that is responsive enough can drive a great level of returning customers.

Example – For any e-commerce business, you can take user experience feedback tools to know about how your customers are getting along and make necessary changes. Custom email campaigns and loyalty programs can also be positively associated with customer satisfaction and retention.

6. Digitalization Investment

It is only the beginning of digital transformation which we all know, is key to global competitiveness. For streamlining, companies have to adopt the use advanced technologies such as Blockchain Technology and Internet of Things (IoT) in conjunction with cloud computing.

IoT example : real-time tracking and analytics to optimize supply chain management

7. Enhance Employee Skills

Develop Your Employees: Investing in employee development is key to succeeding as a business. The training is provided for the folks of various industries and so employees can increase their skills that are needed to work in a certain company. Employee performance can be enhanced by providing training programs in future technology skills and soft skills and job satisfaction.

Example: A marketing agency can host webinars or create courses to teach people the latest digital marketing trends and tools This can help to keep employees in the know which results in boosting their skills, making your campaigns successful.

8. Diversify Supply Chains

The ongoing pandemic has exposed the weaknesses of global supply chains. …diversify its supply base and promote the manufacturing of drugs in Nigeria to eliminate total dependence on a single source. In return, this approach increases resilience and reduces exposure to the risks of supply chain interruption.

- E.g., a consumer electronics company can source components from many suppliers in various regions. In so doing, this alleviates avoidable supply chain interruptions during times of political tensions or when disasters hit.

9. Make Decisions Based on Data

A business database is an asset for businesses. By implementing data, they allow you to make decisions based on the data that your analytics tools are providing. For example, sales analysis lets you track trends and better tailor your goods to the market.

Example: A retail chain can use data analytics to find out when a customer buys, and it change their purchasing policies. This can also reduce overstock and stockouts while overall, increasing efficiency.

10. Foster Innovation

Business Growth Innovation is Key A culture of creativity and experimentation should be established in companies. Funding R&D and teaming with startups can open many doors to both solve problems creatively but also tap into new markets.

Example: A software development firm could create an innovation lab where team members are freed to work on speculative projects. Moreover, work with start-ups on new technologies and solutions.

By adopting these strategies, businesses can navigate the turbulence for 2024 and roll up market — progressive.AI with an evolving dynamic market, being ahead of trends and updated is most likely will help you thrive in the business landscape.