There are two ways for Insurance Companies, Banks, Private Equity firms, MGAs, and insurtechs to approach complex risk in 2025:

1. Rely on generic solutions, potentially overlooking critical gaps.
2. Partner with specialized expertise that delivers clarity and tailored protection.

Many sit in the first category, often underserved by mega-brokers.

Your institution has unique strengths and ambitions. 

But is your risk management truly aligned? 

Or are you unknowingly exposed due to:

–  Coverage gaps hidden in the fine print?

–  Lack of access to sophisticated global markets?

–  Decisions made without credible peer data or advanced analytics?

–  Impersonal service that doesn’t grasp your specific operational realities?

The bigger problem?

You're leaving strategic advantage on the table and potentially facing significant financial or reputational risk down the line.

The solution?

Transform your risk management from a necessary cost center into a strategic asset through a bespoke, expert-driven partnership.

That’s my focus at LION Specialty.

My approach combines:

– Penetrating technical analysis honed by deep experience (including handling complex Fortune 100 accounts) to uncover what others miss.

– Global market access (London, Bermuda) and perspective, crafting solutions beyond standard domestic offerings.

– Process mastery & advanced analytics delivering clarity and confidence, not complexity.

– Authentic human connection, building partnerships that thrive.

(informed partly by my wellness background as a Pilates instructor… sustainable success requires balance)

–  Are you serious about closing critical coverage gaps?

–  Are you ready for risk management bespoke to your institution's needs?

–  Is it time for a partner who brings both sophisticated expertise and a refreshingly collaborative approach?

Let's connect and explore how we can elevate your strategy together.

Natasha Kiemnec

The SEC doesn't always send a lawsuit.
Sometimes they just ask for a "voluntary" interview.


That "voluntary" interview cost my client $250,000 in legal fees.

They received a request for documents. Not a subpoena. Not a Wells Notice. Just a request.

They hired top-tier counsel to respond (as they should).

They sent the bill to their insurer.

The Denial:
"This is not a Claim. A Claim is defined as a written demand for monetary or non-monetary relief. This is just a request for information."

Technically, the carrier was right.
The standard policy was silent on "inquiries."
The client paid the $250k out of pocket.

The Architect Solution:
We don't use standard definitions.
We expanded the definition of "Claim" to include "Pre-Claim Inquiries."

Now, when the regulators "just have a few questions," the policy responds.
It pays for the lawyers to answer those questions correctly—before they turn into a lawsuit.

If you wait for the subpoena, you’ve waited too long.
Your coverage needs to start when the risk starts.

Does your policy cover "Pre-Claim Inquiries" or just "Claims"?

One definition is worth $250k.

DM me "INQUIRY" and I'll check your language.

P.S. Ever been to Mexico City? One of the coolest spots I’ve frequented the last few years! It’s a vibe.

Natasha I.  Kiemnec, ARM

Managing Partner & Co-founder of LION Specialty | Global Financial Institutions & Private Equity Broker | Classical Certified Pilates Instructor

No alternative text description for this image

What makes someone great?


The book, Good to Great, would tell you it’s disciplined people making consistent, focused decisions over time. 

In light of the Olympics, Lindsey Vonn has said, you have to believe in yourself when no one else does. You can give up, give in, or give it all you’ve got. 

The themes are consistent
Discipline
Focus
Internal drive 

For me, these have always been where I found my success. 

The competition with myself to be the best. 

It’s amazing what you find in the hours of pushing yourself. 

In a marathon
Hours of studying
Early mornings at the gym 
Late nights at the office 

If you’ve been there, you know what I’m talking about…

The one other thing I’ve unexpectedly found to bring that same drive in life, is love. 

In light of Valentine’s Day, a shout out to my fiancé taking his third bar exam coming up in a week. 

Not because he didn’t pass the first two but because he’s going to be barred in the whole country soon (except Louisiana - haha don’t worry I don’t want to move there next)

The drive, effort, dedication, commitment that he puts into his work makes me want to find the next level within…

So I’d add admiration and love for someone to that list of reasons to find a third or fourth gear in yourself. 

While it was yesterday, I thought I needed something more than insurance humor in celebration of the day. Happy Valentine’s!

So incredibly proud of you David Gutierrez ❤️

What’s your take on what makes people great?

Your $5M policy is not actually $5M.


Unless you structured it correctly.

Most D&O policies are "eroding limits."
Every dollar spent on lawyers reduces the limit available for the settlement.

If you spend $2M defending a frivolous lawsuit...
You only have $3M left to pay the judgment.

The lawyers get paid first. You get paid last.

We structure defense costs outside the limit, in addition to, or specific sub limits outside the limit. 

This means the insurance company pays for the defense or other limits in addition to the policy limit.

Your $5M limit remains fully intact for settlements and judgments.

Why this matters:
In a complex securities claim, defense costs can easily hit $500k-$1M before you even get to a motion to dismiss.

If that money comes out of your limit, you are underinsured.

If it sits outside, you have a dedicated war chest for the fight.

Don't let your legal bills eat your protection.

Check your declarations page. Does it say "Defense Costs Included" or "Defense Costs in Addition"?

What other sublimits are included, if any?

If it says "Included," you have less coverage than you think.

DM me "LIMITS" and I'll review it for you.

The easiest way for a carrier to deny a $10M claim is not a coverage exclusion.


It is a calendar error.

"Late Notice" is the silent killer of D&O claims.
Most policies require you to notify the carrier "as soon as practicable" or within a specific window (30-60 days).

But what counts as a claim?
Is it a lawsuit? A demand letter? A verbal threat?

If your General Counsel gets a letter on January 1st, handles it internally, and then notifies the broker on March 1st...
You might be denied. Entirely.
Not because the claim wasn't covered.
But because you missed the window.

The LION Process:

We don't leave "Notice" to chance.

1. The Definition Trigger
We negotiate the definition of "Claim" so it triggers only when a written demand is received by the Risk Manager or General Counsel—not just any employee. This prevents a mailroom mistake from voiding your coverage.

2. The Protocol
We build a "Notice Flowchart" for your legal team before the policy binds. Everyone knows exactly who to call and when.

3. The "Laundry List"
At the end of every policy period, we notice everything. Every potential circumstance. Every rumble of thunder. We lock in coverage under the expiring limits so you start fresh.

Process beats panic.

Don't let a clerical error cost you your limit.


Does your team know exactly what triggers a notice requirement?

DM me "NOTICE" and I'll send you our protocol checklist.

The insurance industry is approaching a 400,000-worker deficit.


CFOs, CUOs, and board members at regional insurers, reciprocals, and mutuals…

Here's the part most people get wrong: Gen Z isn't avoiding insurance careers. They don't know they exist.

In my 18 years in this industry, I've watched the narrative problem compound:

We're an industry that has exactly what younger generations want — meaningful work, people-first culture, good pay, career growth.

But we've done a poor job of telling that story.
Meanwhile, the talent we do have? We're burning them out. A CII study found 78% of employers have taken no steps to address secondary trauma in claims professionals.

We manage external risk all day. We should apply the same rigor to our own teams.

This week's Friday Five covers all of it — the talent gap, the burnout blind spot, and what leaders are doing differently (including 250 Pilates classes).

Comment "BRIEF" below if you're not on our distribution…

Stay covered!

P.S. If you're serious about building the next generation of insurance talent, it starts with telling your story. We've had great success being authentic on social media about who we are and what we stand for.

P.S.S. Getting out in nature, doing pilates, meditation helps with burnout. Can you guess where this is?

Innocent until proven guilty" is a legal right.
It is not an insurance right.


Most D&O policies contain a "Conduct Exclusion."
It states the insurer will not pay for claims arising from fraud or criminal acts.

That sounds reasonable. You shouldn't be insured for committing crimes.

The problem is the trigger.

In standard policies, the carrier can often stop paying defense costs as soon as there is a "fact in dispute" or a credible allegation of fraud.

If a plaintiff accuses you of fraud, the carrier can say:

"This looks like it falls under the exclusion. We are pausing defense payments."

You go bankrupt proving you didn't do it.

We change the trigger.

We demand "Final Adjudication" language.

This means the carrier must pay your defense costs all the way through trial and appeal.

They can only apply the exclusion if a judge or jury issues a final, non-appealable ruling that you actually committed the act.

We shift the burden of proof from you to the contract.

Check your policy for "Final Adjudication" wording.

If it's not there, you are exposed to the allegation alone.

This is just one of 10 tweaks we make to the conduct exclusion alone to ensure that you have defense cost coverage. 

DM me "CONDUCT" and I'll help you find them.

The single biggest leverage point…


Time

Most brokers start the renewal process 30 days before expiration.

They flood the market with submissions. They cross their fingers. They hope for appetite.
You get daily emails asking for "just one more thing" while trying to close your quarter.

We operate on a 150-day cycle.

Day 150: The Strategy
We map out exactly where we are headed. We identify the story we need to tell before we ever open a submission file.

Day 120: The Build
We construct the submission. We test every angle of the risk narrative.

Day 90: The Approach
The carriers see our first approach now. We are reading the market, not reacting to it.

Day 60: The Options
We have your options locked down.

Day 30: The Bind
Bindable terms in hand. No drama. No surprises.

One client saw their limits jump 25% at flat premium simply because we had the runway to position them properly.

You negotiate effectively when you control the clock.

If your renewal is July 1st, we should be starting right now.

DM me "TIMELINE" and I'll share our 150-day execution roadmap.

Early in my career, I said "Yes" to everything.
Every client call. Every project. Every "quick question."

I thought availability was a competitive advantage.

I was wrong.

Overcommitment is the enemy of excellence.
If you are always available, you are never deeply focused, creative, or unique.

I learned the hard way:

You cannot manuscript a complex policy while answering emails every 5 minutes.

You cannot negotiate a difficult claim while jumping on "quick syncs."

The Pivot:
The process was developed. 
Each day had a focus throughout the week. 
Each month prepared for the next. 
Always aligning with the client’s calendar 
150 days out from expiration. 
Sunday nights were for alignment of the week. 
Fridays for policy checking. 

It felt too structured but the focus helped my alignment,
the team,
The client. 

My clients stopped getting "fast answers."
They started getting better answers. 

Structure creates the space for 
deep work, 
unique, 
creative outcomes.

And deep work is the only competitive advantage that lasts.

What is one thing you need to “structure" this week to better align the team?

Kroll just surveyed 325 PE executives about cybersecurity.

The headline number: 80% experienced hold-period cyber disruption. Average financial hit per deal: $2.1 million.

But the number that stopped me...82% of PE firms have no dedicated cybersecurity leader managing portfolio risk.

Not "could improve their approach." 
No leader. 
Period!

When Flip and I review these reports for the Friday Five, we're looking for the data point that changes how our clients think about their next renewal. 

This week had three of them.

The $77.7 billion US data center construction surge creating entirely new risk classes for carriers. 

The PE cyber governance gap that predicts whether a firm absorbs a valuation hit at exit. 

And the plaintiffs' bar expanding its litigation analytics to 1,200 additional state courts.

Three forces. 

One common thread...the institutions slowest to adapt pay the most.

We broke all of it down in this week's Boardroom Brief.

Link in comments.

Comment "BRIEF" if you want it in your inbox every Friday.

If your insurance coverage doesn't work in a simulation, it won't work in a crisis.


We don't just place the coverage and file the binder.

We stress-test it.

Before the program binds, we run "Mock Claim" scenarios against the proposed language.

We simulate the specific nightmares that keep the C-Suite awake:

1. The Friday Night Hack

A ransomware event hits at 6 PM. Who do we call? Does the "Breach Response" definition actually trigger immediate counsel, or are we stuck waiting for carrier approval?

2. The Regulatory Subpoena

A short-seller report triggers a stock drop. The SEC calls. Does the policy cover the "Informal Investigation" costs, or does it only trigger after a formal Wells Notice?

3. The Nuclear Verdict

A jury awards $50M. Does the excess tower sit flush on top of the primary, or is there a gap in the attachment point that leaves you exposed?

We usually find the cracks during the simulation.
It is infinitely better to find them in a conference room than in a courtroom.

You stress-test your software.
You stress-test your financials.
Start stress-testing your risk transfer.

Ready to see if your program holds up?

DM me "STRESS TEST" and let's run a scenario.

Ps. This is how we react when we hear of another prospect’s program not working and they need a LION!

I’m exceptional at bar games. 


Corn hole / bags

Shuffleboard 

Darts 

Ping pong etc. 

And if you’re a guy reading this you’re probably like most other guys who think…

Ya I’m sure she is for a girl. 

Well I’d probably beat you too 😂

I’m rarely this confident about my ability but repetition lends itself to credibility. 

It’s not that people underestimate me. 

It’s that they never thought to ask. 

They just decide. 

That I wouldn’t be good

Couldn’t be that good or whatever it is

But the reality is that this happens everywhere in life at all times. 

It often happens with the megabrokers. 

Well, of course, they’ll be the best because it’s

Xyz or abc or whichever three letter broker it is. They’re the biggest or they have the most data or insert whatever assumption. 

But that really isn’t the case. 

What makes someone or some team exceptional is that 

Drive
Skill
Extra effort 
Hidden talent 

Being a guy with a sport or a mega broker with a deal doesn’t make you necessarily the best. 

At LION Specialty we pride ourselves on being that team that has that extra effort, and hidden talent. 

Curious what that looks like?

Come talk to us. 

What talent of yours often gets overlooked?

P.S.  for a little video proof… the ongoing dual between my fiancé and me… anytime there’s a game to be played… and yes, the record is 62 / 57 … me. We’ve kept score the whole time we’ve been together. For the record, he’s also pretty incredible at games.

Freedom of speech and press as given by this platform itself


How lucky are we to be able to have individual liberties that some only dream to have

•	Believe in who or what you wish
•	To gather with whom we wish 
•	The right to a fair trial if accused 

To get to use social media to promote

Our companies
Our ideas
Ourselves 

It’s seemingly sometimes lost on people but what a gift it really is. 

So today, I’m grateful for those who came well before this time, while many and much had to happen to get us to where we are, it was those founding fathers and first presidents who started us on this incredible path that we are on today. 

Happy Presidents’ Day

The most expensive gap in your insurance program isn't an exclusion.

It is a missing file.

Carriers deny more claims for "lack of substantiation" than for actual coverage disputes.
If you can't prove the loss, you don't get paid.

Most companies scramble to build the file after the crisis hits.
That is too late.
You are trying to find invoices and emails while your building is burning or your network is down.

The LION Process:
We build the documentation protocol before the policy binds.

1. The "Day One" Folder
We establish exactly what the adjuster will ask for.
Payroll records. Vendor contracts. Asset lists.
We keep them staged and ready.

2. The Communication Log
During a claim, every phone call needs a follow-up email.
"As we discussed..."
If it isn't written down, it didn't happen.

3. The Timeline
We map the event minute-by-minute.
"Breach detected at 4:02 PM. Counsel notified at 4:15 PM."
Precision kills ambiguity.

An adjuster's job is to ask questions.
Our job is to have the answers ready before they ask.

Is your claim file ready for an audit today?

DM me "DOCUMENT" and I'll send you our claim substantiation checklist.

Talk birdie to me


The line the from sweatshirt I’m wearing here. And a term that is on the minds of many pros this week at TPC Scottsdale golf tournament.  

As I watched these pros and amateurs tee off yesterday, I’m constantly reminded of the dedication and skill that it takes to get to the top of your game. 

While it starts with above average skill, it always comes back to finding beauty and comfort in the mundane. 

That extra effort to do the next rep, 
one more hour of practice,
one more review,
one more check

I see it in all aspects of life:

My cousin who did make a birdie yesterday in the tournament - has played golf for 40 years but just changed his golf swing recently to find that “next level”

Our team who reviews each document over and over again to make sure there are no mistakes. 

I’ll continue to believe that drive will allow anyone to outperform those around them. 

While it can’t be trained, it can be encouraged by team members who share that same desire to continue to level up. 

What are you doing to level up?

Right now we are perfecting our internal data to make sure we are accurately capturing it for the future!

A finance director joined a video call with his CFO, his CEO, and two colleagues.
None of them were real.


$25.6 million gone across 15 transactions before anyone caught it.

That was Arup, a global engineering firm, early 2024.

Attackers built real-time deepfake replicas of multiple executives on a live video conference. Convincing enough to override every instinct a trained finance professional had.

Financial institutions should pay close attention.

Your executives sit on hundreds of hours of public video and audio. 
Earnings calls, conference panels, LinkedIn clips, webinars. 

Every recording is training data for the next synthetic clone.

We just published Part 1 of our Deepfakes Miniseries in the Wednesday Intelligence. 

We mapped a deepfake loss across a typical FI insurance program, and the coverage fractures fast.

Most social engineering endorsements still require the instruction to arrive via email or written communication.

A deepfake video call? May not qualify.

Then there are the AI exclusions now spreading through D&O, E&O, and cyber forms. Broad language excluding claims "arising out of or related to artificial intelligence" can swallow a deepfake event whole. Even when the insured was the victim.

No single policy owns the full loss. And most of these wordings were written before attackers could clone your CEO's face.

We break down where the gaps hide, which carriers are already adapting, and six questions to bring to your next renewal.

Reply "DEEPFAKE" and we'll send our one-page Coverage Gap Checklist.

P.S.  this is only for those of you that are buyers of insurance!!

Bankruptcy doesn't just freeze your assets.
It can freeze your insurance defense.


A portfolio company filed Chapter 11.

The directors were sued immediately for "breach of fiduciary duty."

They called the insurer to pay for their defense.

The Bankruptcy Trustee stepped in.

"That policy is an asset of the estate. You cannot deplete it to pay for legal fees."

The directors were left paying $800/hour lawyers out of their own pockets while a $5M policy sat frozen in court.

We structure "Priority of Payments" clauses into every D&O program.

This language dictates that in the event of bankruptcy, the insurer must pay the individual directors first.

The estate only gets what is left over.

We also add "Side A" DIC (Difference in Conditions) coverage that sits completely separate from the corporate balance sheet.

You don't need insurance when things are going well.

You need it when the walls are closing in.

If your policy isn't bankruptcy-proof, it’s not finished.

Does your policy have a "Priority of Payments" clause?

DM me "PRIORITY" and I'll show you where to look.

Five events since 2017. Combined losses from billions to trillions. Physical damage across all five: zero.

NotPetya. 
The 737 MAX grounding. 
COVID-19 shutdowns. 
The Ever Given. 
CrowdStrike.

We went line by line through the coverage implications this week. The exposure class is Non-Damage Business Interruption, and for financial institutions running digital-first operations on legacy programs, the gap between what can shut you down and what your policy actually covers is measured in trillions.

But the article that stopped me was a Law360 piece on cyber policy restoration periods.
The distinction between “operations-focused” and “network-focused” language in your period of restoration definition is outcome-determinative. 

One version covers you through the full resumption of normal business activity. The other stops the clock the moment someone reboots a server — even partially.

That’s the kind of clause that determines whether your next cyber claim pays for twelve weeks of operational drag or cuts off at week two. 

Silence in insurance is dangerous. Especially in the definitions section.

We covered all of it in this week’s Friday Five, plus a forward look at parametric capacity that could compress payout timelines from months to days.

P.S. link in comments. 

P.S.S. Part 1 of our Wednesday Intelligence miniseries on deepfakes is live. What happens when bad guys deepfake your CEO — and six questions for your next renewal. Link in comments.

Your employee didn't get hacked.
They got tricked.

And your insurance policy treats those two things very differently.

A controller gets an email from the "CEO."
"Please wire $500,000 to this vendor immediately for the acquisition."
The email looks real. The tone is urgent.
The controller wires the money.

You file it under your Crime policy.
The carrier points to the "Voluntary Parting" exclusion.

"Your employee voluntarily sent the money. This wasn't theft. It was a mistake."

Or they point to the "Social Engineering" sub-limit.

"We cover this, but only up to $100,000."
You just lost $400,000.

We don't accept $100k sub-limits for the biggest risk you face.
We manuscript the definition of "Computer Fraud" to include "Social Engineering" and "Impersonation Fraud."

We stack the Crime policy limits with the Cyber policy limits to ensure you have full tower protection, not just a sliver.

If your policy penalizes you for being human, it’s the wrong policy.

Check your Crime policy today. Look for the 

"Social Engineering" endorsement.
Is it $5M or $100k?

DM me "FRAUD" and I'll review your limits.

There is a question plaintiff attorneys will ask after every data breach in 2027.
Most boards haven't even heard the premise yet.

"Did you use AI-powered security scanning tools to check your code?"

If the answer is "No," you might be negligent.

Last week, Anthropic released an AI tool that scanned production codebases and found 500+ vulnerabilities that human experts missed for 20 years.

These weren't minor glitches. They were exploitable flaws hiding in plain sight.

Traditional scanners check for "locked doors" (passwords, encryption).
AI checks for "structural weakness" (broken business logic).

We saw this with MFA.

Three years ago, Multi-Factor Authentication was "nice to have."

Today, if you don't have it, you are uninsurable.

AI code scanning is next.

When a defensive tool becomes widely available and highly effective, failing to use it stops being a "resource decision."

It becomes a "breach of fiduciary duty."

The window between discovery and exploitation is compressing from weeks to hours.
Your defense needs to move at the same speed.

Is your board asking about AI security, or are they waiting for the lawsuit?

We put together a one-page AI Security Standard-of-Care Checklist — 10 questions your board should be asking before your next renewal. 

The carrier application changes already in motion. The specific coverage intersections across cyber, tech E&O, and D&O. 

What the standard of care looks like now, not 12 months from now.

Comment CHECKLIST and I'll send it over.

Co-Founder & CEO @ Ruley, the E-Referee | Start Up Business Expert | Entrepreneur

After 25 years building successful companies I found myself at a crossroads. I had built companies that helped people and families. I was proud of that legacy, I knew it was time for a new chapter.

In my early 50s, I sold my third company just a year behind schedule from a personal goal I set at 34. 

During COVID, I had the space to explore ideas that truly energized me. I enrolled in a six-month coding bootcamp to learn Python and deepen my understanding of the technologies shaping our future.

Now I’m the Co-Founder of Ruley, an AI powered smart sports E-Referee API  designed to help federations, sports media and consumer brands gain fans, players and spectators by being the go to venues for sports rules and insights.

My personal mission is to fuse decades of my experience and strategic thinking with modern tech to bring people together through playing sports and watching sports.  By working with these existing sports entities we can grow sports and all the good that comes with them.

At the heart of my work is this belief: we all deserve unbiased, instant information, and we all deserve to enjoy life like we did as kids. 

These ideas aren’t mutually exclusive. With the right tools, we can help provide knowledge in unique ways and inject more joy into everyday life.

Explore Ruley and our API rollout (and more) for sports:
🌐 ruley.ai

📸 Instagram: @ruley_ereferee
🎥 YouTube: @ruleythee-referee
📘 Facebook: @ruleytheereferee

🎾 Just Ruley it!

Cassandra Toroian

I started playing tennis young.

Which meant learning rules early.
Not just how to play but how to behave.

Sportsmanship.
Winning humbly.
Losing gracefully.
Those principles stayed with me.

They showed up later in finance.
In how I handled pressure.
How I treated people.
How I competed without cutting corners.

So when I sold my company and started thinking
about what was next, I didn’t immediately land
on sport. It took time.

What eventually clicked wasn’t nostalgia.
It was the parallel.

Sport only works when people trust the rules.
And trust breaks when rules are unclear,
inconsistent, or inaccessible.

As a child, learning the rules was slow,
but structured. As an adult, it’s harder.

Multiple sources.
Conflicting explanations.
Way too much noise.

That’s where the lightbulb went on.

AI isn’t about replacing the game.
It’s about supporting the values underneath it.
 
Clarity.
Fair play.
Respect for the rules and each other.

That’s why Ruley made sense to me.
Not as a tech product.

But as a way to support the principles sport
taught me from the start.

The rules didn’t just teach me how to play.
They taught me how to show up.

I don’t spend much time thinking about what
I’d tell my younger self.

And this isn’t because I don’t value reflection.
But more because I don’t know if she’d
make the same decisions I would now.

Starting a business at 50 is risky.
Arguably riskier than starting one in your 20s.

I have a partner.
A house.
A dog.

Way more responsibility that I had in my 20s.
More to lose.

But I also have something I didn’t have back then.
Experience.

And I dont mean the motivational kind.
I mean the practical kind.

The kind that teaches you emotional control
when things don’t go to plan.

The kind that teaches you to value people
over ego.

The kind that shows you what actually matters
and what can be ditched.

After 25 years in finance, I learned
one thing clearly:

Information shapes outcomes.

That belief didn’t disappear when I left finance.
It followed me into sport. And eventually, into Ruley.

Ruley exists because I chose to stay curious.
To ask better questions. To be an enquirer,
not an expert with a fixed answer.

I don’t think success is about having fewer
doubts as you get older.

I think it’s about learning which questions are
worth asking. And being brave enough to ask
them anyway.

Age didn’t change my ambition.
It sharpened it.

I’ve been in sports since I was four.
It’s not a hobby. It’s part of my wiring.

I grew up on courts, fields, and tracks,
then went into finance…

and found my way right back to sports.

Because everything I learned about
discipline, pressure, fairness, winning,
losing, teamwork, and composure
all came from sports first.

I believe that children who grow
up with sports carry something into
adulthood that can’t be developed later.

→ Accountability.
→ Confidence.
→ Resilience.

The ability to work under
pressure without falling apart.

But unfortunately, sports
can also leave scars.

When when the environment isn't
properly cultivated, that leaves room
for the parents to behave worse than
the children. And the children learn
bad lessons when that happens.

I’ve seen kids walk away from sports
forever not because they hated the game,
but because the adults around them made
the experience emotionally draining.

Fast-forward 15 years, are those same kids
the adults who think exercise is stressful,
competition is unsafe, and trying
something new is “too much”?

It shapes how they show up
in work, leadership, and life.

My theory is sports don’t just create
athletes. Sports create leaders.

And if we want better leaders & thinkers…
We need to create healthier sports
environments from the start.

That’s one of the big reasons I came back
into this industry. Because when sports are
done right, they shape a person for life.

Did you have a positive relationship with sports when you were a child?

#Sports  #Business  #Life  #Lessons

I saw coverage recently of used tennis balls being turned into bird nests.

It’s thoughtful.
And it does genuinely repurpose some waste.

But the contrast is worth noting.

In the U.S. alone, around 125 million tennis balls are discarded every year.
Globally, it’s closer to 300 million. Most of them are used for only a
handful of hours before they’re thrown away.

Turning a small number into nests is visible.
It photographs well. It tells a good story.

But it isn’t systemic.

The real issue is how tennis balls are treated as disposable from the start.

Manufactured at scale. Used briefly.
Then discarded with no realistic path back into the system.

Sport tends to respond to problems with visible gestures rather
than structural thinking.

That can raise awareness and that’s good but it’s worth observing the difference.

Structural change looks quieter.
It shows up in redesigning the product itself.
In extending its life. In deciding whether it should exist in its current form at all.

Sustainability in sport isn’t solved by what we do at the end.
It’s decided much earlier than that.

#tennis #padel #usta

Sports don’t fall apart because people argue.
They fall apart because rules aren’t clear.

Every club, league, and sports platform
knows this moment:

A player questions a call.
A parent emails.
A fan floods the comments.
Your support inbox lights up.

And this isn’t because the rule doesn’t exist.
But because no one can explain it fast.

That’s the gap Ruley, the E-Referee fills.

Ruley isn’t for “fun debates.”
It’s a rules engine businesses can embed.

→ Fewer customer support tickets
→ Less ref abuse
→ More trust in decisions
→ Better fan experience

Instead of:
“Let me check the rulebook on that one”
or
“We’ll get back to you”

Your users get:
Instant, up-to-date rule explanations.

Clear rules don’t just keep games moving.

They protect brands.
They build loyalty.
They scale communities.

If you run a sports org, platform, or league
this isn’t about fairness.

It’s about operational sanity.
What rules do you still question?

Yes! Very important that we catch up with the rest of the world and protect the integrity of our US elections.

FIFA is coming to America.

The tickets are sold.
The stadiums are ready.
We are expected to show up.
To cheer loudly. To paint our faces.

But there is one MASSIVE problem.

No one checked if we actually understand the game!

Only 27% of Americans watch global soccer.

That leaves at least 73% of us...
Who don't get what “extra time” is.
Who don’t know what "offside" means.
Who are confused by the red/yellow cards.

This is why infrastructure matters.
So the fans understand the game.

Ruley is here to help.
It’s the API that explains
the game in real-time.

So when FIFA arrives...
America is actually ready.

We shouldn’t just be selling tickets to
fans who don’t understand the game.

Are you a soccer fan?

#FIFA #WorldCup  #SportsBiz  #SportsTech  #RuleyAPI

When a broken rule fixes the sport:

Figure skating banned the backflip
for safety and because of tradition.
"Land on one foot."  "No spectacle."

Surya Bonaly knew the backflip was banned.
But at the Olympics she did it anyway.
She landed it on one foot. Perfectly.

To the judges, this was just a violation.
To a modern Federation, this should
have been something else entirely:

A critical edge case.

Bonaly didn't just break a rule.
She stress-tested the entire system.

This is where sports governance often fails.
We treat the Rule Book as a static artifact.
A sacred text that can't be questioned.
But sports are dynamic. Athletes
evolve faster than committees.

When an edge case like this happens,
you need a process to capture it.

To ask: "Does the rule still serve the players?"
Or is it holding the sport back?

You cannot manage modern sports with
static rulebooks. You need infrastructure.
You need data on how rules are applied,
challenged, and broken.

That's why we built our proprietary Ruley API.
Not just to answer questions, but to help
Federations see where the friction lives.

Don't just enforce.

Evolve.

#SportsBiz  #Governance  #Innovation  #RuleyAPI

I’ve noticed people rarely talk about the newest piece of sports gear in a room. They talk about the one that’s clearly been used.

A worn tennis bag or an old racket carries way more weight
than the pristine version beside it. This isn't because it looks better, but because it shows a lot more history.

You can manufacture a perfect product any day of the week.
But what you can’t manufacture is years of use.

You can print a flawless image of a racket onto a tote bag today.
Technically it will look a lot cleaner.But it won’t carry the
same credibility, because it hasn’t been anywhere yet.

There’s a Japanese principle, wabi-sabi, that centres on the value of imperfection. Sport understands this instinctively without needing the terminology.

Sport operates on the same logic.

We don’t question gear that’s been used.
We question gear that looks untouched.

Technology in sport faces the same test.
If it feels synthetic, people hesitate.
If it feels grounded in real experience, they trust it faster.

Authenticity isn’t about appearance.
It’s about evidence.

In sport and in systems, credibility comes from evidence.
Not appearance.

I know which one I watch and and have no clue. What about you?

Which of these Olympic winter games do you watch and have no idea what the rules are but you watch anyway because it intrigues you?

The author can see how you vote. Learn more

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