adventure, adventure, intrigue, mystery, romance, starring Humphrey Bogart and Lauren Bacall together in the sultry setting of Tropical Havana and the mysterious islands of the Caribbean. Once again, the magic names of Humphrey Bogart and Lauren Bacall bring you bold venture and a tale of mystery and intrigue.  Standing here in the lobby of Shannon's hotel, right hand tilting my left ear slate. I'm listening.  Well, what did I ever do to make you think a thing like that? A woman, sailor, suspicious of everything just like all the rest of you. Tell me something. What happens to women to make them suspicious of every man who- Ha-ha-ho-ho. Man walks into this hotel, signs the register, Joe Ralston. You take one look at him and throw salt over your shoulder. What's about Mr. Ralston you don't like? I don't know, slate. He looks like a lurker. Ha-ha. Some of my best friends look like lurkers. So? Well, I'm trying to tell you, sailor, is that you don't judge a man by what he looks like, but what he is. As there's any man who can judge character well, that's one thing I take pride in. Mr. Joe Ralston is a bum.  He's a bum. And another friend of mine, Shirkless Gonzaga. You know why they call him Shirkless?  Good morning, Mr. Ralston. Look how lucky I am. The first person that wishes me well on a new day, you. Hi, Shannon.  Sleep well? Real snug. Ha-ha-ha. Going out to do the town, huh? Can't afford it, Shannon. Can't afford a thing. Oh, then you came to a van to look for a job. Is that it? No. I'll tell you why I came here. Oh, please do. Open up the safe. I'm broke. Slate, see, the man's got a gun. You kidding, Mr. Ralston? Open it up. Yeah. Well, here's all that's in it. That tin box, too. Thanks. Now, keep your hands up in the air. Oh, look, Ralston, that money's not mine. It belongs to the... I'm sorry for them. Bye. Slate. Ha-ha. Ho-ho. Surprise. It's me. It's you. You make out okay, Shannon? Real well, Annie Girl. Where's Aguilar? On the veranda, taking the sun, making bets with himself about me. He just lost. Right now. Right this minute. I do that to you, honey. I excite you. Touch me, Joe Boy, and I'll light up the streets of Havana. Reminds me, you want Aguilar? Yeah, but he wants me more. Come on, I'll give you to him. Aguilar, look what just drifted in. Uh, Joe, amigo Joe, friend Joe, who is always a pleasure to look upon Joe. Why does Senorita Anne speak of you in such ways? Must be I rubber the wrong way. Got it for you, Aguilar? Five thousand? So fast? Some places they call me quickie. Joe, they're quickie. Give it to me. To who else? Yeah. Ah, deliciosa preciosa. Ah, the emotions five thousand dollars can bring out in me. Anne? Brings out the boy in him, Joey. You ought to see. Does it bring out Harry Joyce too, Aguilar? Right out in the open where I can kill him? We met a bargain, friend Joe. On the installment plan, you agreed to pay me ten thousand. For this, I agreed to deliver Harry Joyce for killing.  I take Harry Joyce out of escrow, deliver him to you. Where? Don't worry, he will come to you to be killed. You're a good man, Aguilar, a good businessman. If I'm in a chamber of commerce, I'll be real proud of a good man like you. They would lift their noses at my import-export business. If they knew I import men whom other men want dead, you will let us know of the dying of Harry Joyce. The boy sinned against me is the least I could do for him. I recommend you around, Aguilar. You too, Annie Girl. I cannot tell you how this delights me, Senorita Duval. It's a kicker, isn't it, Ken? It flips me.  And this makes for merriment, huh? I'll have fun, kids. There must be another police department that'll take my business. Oh, Senor Slate, come back. And I will explain to you why is funny this funny thing?  You blew it. First is funny because from information I have gleaned from the Senorita Duval, you, Senor Shannon, so misjudged this Joe Ralston as to say in her face, this Ralston was not a lurker. A two-bit punk with a gun maybe, but never a lurker. Which I will proceed to disprove to you. It was but a week ago that we enticed this Joe Ralston into our pokey because we suspected him a burglary. That's how he got to Shannon's place, huh? You whispered to him, my till was made for a boy like him. We released him for lack of evidence. But the fact remains, Joe Ralston was a lurker. Otherwise, our boys would never have paid him no mind. It is a mutt with us. She'll shale our lurker. Give up, Slate. You haven't got a chance. All right. So among other things, this Ralston is what you say. But now he's loosened a banner with maybe five grand of my guest's money and several layers of my pride, which makes him an undesirable, no? Now that's not point fingers and call names, Lissal. Or thieves won't rob us anymore. This is the other thing that's funny. When you first told me of this, I surreptitiously sent patrolman Gonzalez to pick up this Ralston at 39 Paseo Lumina, his former address before he moved to your hotel. Ralston wasn't there. 39 Paseo Lumina? Maybe Gonzalez didn't look in the nooks and crannies. Slate, leave it alone. Let the police handle it.  I got a yen to go nook and cranny hunting. What can I do for you? I'm looking for Joe Ralston. That's a nice thing to be doing. Why are you doing it? Is he here? You just did a wrong thing. He asked me a question. You see what happens to me when questions are asked?  It breaks out in a sweat. Huh. Now, this is a real happy day for me. Two men show me their hands and each and every one has a gun in it. You mean that sort of thing doesn't happen to other people? Well, well. Inside, friend. Why are you looking for Joe? He killed my faith in human nature this morning. I want to shake my finger at him.  Who are you? My name's Shannon. I run a hotel on the waterfront. Funny. I opened the door on your face and I said to myself, Harry, this is a man who wants them all closed. Just shows you.  Put that gun down, Buster, and the things I'll tell you. Where's Joe Ralston? You got monkeys in your ears? That's what I asked you. Yeah, you did, didn't you? You're coven for Joe, aren't you? Look, Buster. Aren't you? You want to listen to me or you want to- Aren't you? Yeah. Turn around. I said turn around. You did that, Dainty. Now tell me where Joe is. Tell me! Just a tap, Shannon. Hardly worth all that groan. Now tell me where he is. No more chances, baby. You used them all up. There he is. Slade. Slade. Over here. Lady, you've seen my ship around here anywhere. I lost my ship. Slade, you're hurt. Look, lady, they only gave me five hours shore leave and San Pedro five hours just slips right through your fingers. San Pedro used it all up. I got to get to my ship. Let me help you into the jeep, Slade. I won't do you any good, lady. My time's used up. Come on. Put your armor on my shoulder. Yeah. Yeah, thanks, lady. I can use a resting place.  Someone's banged on it again. I told you to leave it alone. I told you. You're crying for me, lady?  Only one girl ever reached me when she cried. A girl named Sailor DeVal way over there in Havana. You're in Havana, Slade. I'm Sailor DeVal. Come on. I'll get you into the jeep. You all right, Slade? Yeah. In a minute, huh? Let's just sit a minute. What happened, Slade? You weren't looking for Rolston. Then what happened? A guy there. Said his name was Harry. Didn't know about Joe made me turn my back to him. He slugged me with a gun just because I knocked on his door and asked for Joe. Come here, Slade. Better now? Don't hurt so much. Hi, Sailor. This is Havana, and you really are Sailor DeVal. They're days when I wish I wasn't. Well, take me home and mend me, baby.  Oh, come on. Take me home. You feel all right, Slade? Yeah, I'm okay. Can you make it over to the door all right? I'll carry you piggyback if you want. The last time you carried me down the street that way, we stirred up a thrilling game of leapfrog. Right now, I don't want company. Come on. Lady Sailor, quickly come quickly. What's the matter, King? In the lobby. But rapidly, Mr. Slade. What happened? What are you so upset about? I was in the kitchen. I heard the desk bell ring for service, then I heard shots. This is what happened, Mr. Slade, on the floor. Harry. The man who hit me over the head with a gun. Is he hurt bad? He doesn't hurt at all, King. He's dead. Old Venture. Our stars Humphrey Bogart and Lauren Bacall and the second act of our story.   But in your lobby, it's hardly cricket. You didn't see any of it, King, because you were cooking rice.  That's right, King. Don't let him bully you. Any time you feel the need of a rice snack While a man named Harry is being shot up in our hotel Why, you just go running around in the room You're not paying any attention, King. Because at the curb in front of the hotel Where there is a no parking sign, Senior Inspector LaSalle has just committed a misdemeanor. And wait till he hears the happy, happy we've got for him. Come on, sailor. You put your hands over LaSalle's eyes And I'll yell, surprise, surprise. Always fun and games. LaSalle, have I got something for you? Later, Senorita. First, I wish to give you something from me. Now, look, LaSalle, sailor's trying to tell you... Please, me first. It concerns one Joe Ralston, a thiever of you, A burglar of who knows who. And what about him? Is about him, he was a hooligan. You don't say. I say, and I'm glad. A hooligan was Joe Ralston, with a body, Name of Harry Joyce. Harry, huh? That was the name of the man who pistol-whipped me. So, Joe and I are the same. That was the name of the man who pistol-whipped me. So, Joe and Harry were buddies. Partners, also. In Miami. In the alleged enterprise of being hired killers. Partners and buddies until Harry Joyce turned state's evidence on Ralston in the merry month of May last year. But Ralston fled. Rob Savannah Blind is not to be found. But we find that... My turn now, LaSalle. See, lovely, Senorita.  A TL? Yeah. Harry Joyce. Wear him in good health. You know where he is? Stone cold dead in our lobby. That's where Harry is. You... You have a Harry, and you let me stand and make foolish? Because you sweep a girl off her feet, doll. Well, heads will roll! Heads will roll! Now, let's get out of here, sailor. I didn't like the tone of that last remark. Two surprises in one day. I enjoy it, Joe. It could get habitual, Annie. It's a finger, and you'd see how fast it could. Who is it, Annie? Joe, Joe Ralston. Bueno, tell him to come in. He says, Bueno, tell you to come in. There he is, Aguilar. Amigo, Joe Amigo. It went well, see? Very daring, on my part. I shot him down in the lobby of Shannon's place. That place is my lucky piece. Now it is finished. Bueno. Yeah, finished. So I have to pay you ten grand to bring Harry to me. Harry, I want a man dead. So, Harry came, an assassin. I told him it was you I wanted dead. So he followed you until you found him. Killed him, as you wished it.  Are you local? You know why I came back here again, Aguilar? The dough I paid you, I want it back.  You will not get one peso of what I... I know where he keeps it, Joe. Joe, honey. Joe, doll. Both of you, get out of here! Where does he keep it, Angel? Take me by the hand and follow on tippy-toe. Isn't Havana nice, Joe? The thing I like about you, state... We're in a public library, sailor. Let's not spread around what you like, huh? You want enough additions of me to meet the demand as it is?  I bet not many girls can say that about their fellas.    What are you going to do? Wrap up your hurt in year-old newspapers? Just sit down here, sailor. Wet your first finger and flip the pages till you hit the many month of May.  The sunny afternoon you lay at her feet. Say when, Buster, I need a refuel job on my flipping finger. Keep going. Hold it. I said, hold it. You've got a girl like me thumbing old newspaper slate. There's just no holding her. See what you're looking for? Yeah. Here, sailor. Fourth column, just like LaSalle said, Harry Joyce turns state's evidence on Joe Ralston. Ralston, fugitive. Hmm. What do you know? Well, get your nose out of it so I can see too. I can read for both of us, baby. Ralston and Joyce were partners in an import-export business on Lincoln Boulevard, Miami Beach, when Question Joyce stated that the enterprise was a branch office of the Aguilar and Company Import-Export Concern of Havana, Cuba. Hmm. I'll give the file back to the librarian, sailor. Curtsey, and then say thank you. Because you got your kicks from news a year old? Because Aguilar or Vaguar and Company is a man I just have to talk to. Don't forget the Curtsey, baby. Yes, what is it? Your name, Aguilar? Who is asking the question? Him. I talk like this. What about it, Buster? Is your name, Aguilar? Do you own an import-export business on the Prado? What of it, senor? The boys who were watching the shop told me you weren't in today. They told me where you lived.  Senor, I will not have you... Inside. Close the door, sailor. I hear you're talking to me. Door closed. Look, Chico, a little while ago, Sailor and I read a little item in the Miami paper about two boys who used to work for you. For me? For you. That's telling him, kiddo.  All right. Tell about two men named Harry Joyce and Joe Raulston. I don't know what you are talking about. Get with it, Chico. Joyce and Raulston, what about them? I repeat myself. I do not know... That's so you don't repeat yourself, Chico. Tell me new things. Harry... Harry Joyce. Muerte, dead. He's dead. That is all I know. Listen, Buster, before I give it to the police, I've got a story for you. Today I got robbed. Today I got slugged. Today I found a dead Harry Joyce in my hotel. I'm not in the mood for... Joe Raulston. He is left. He is not here. Where'd he go? With Anne, with a girl to the Romanza Plaza. Number 12. That's paying attention, sailor. You look nice with a geranium between your teeth. I pulled the shawl off the piano, too. Carmen, anyone? Lay out this girl, Han Scott. Nice house. What are we going to do now? Ring the bell? Joe's inside that house. A big gun's inside, too. Let's play this cagey. I'm going to have to peek through windows again, huh? That's right. That one over there. Just about your size. I don't know what you see. There's our long-lost customer, Joe. He's sitting in an armchair slate. Uh-oh. What's the uh-oh? Shoulder holster with a gun. What a girl. Is she in there? I don't see her. Wait a minute. Yeah, there she is. She's in the other room. Looks like she's packing. Yeah, you did good. Now what?  Any old trick or treat? Ring the front doorbell and run. When Joe's answering the door, I'm going in through the back. Think how fortunate you are, sailor. This time of night, other girls are doing dull things, like dancing, toasting marshmallows with their fellows, parking their convertibles in the moonlight. And you? You're ringing a murderer's doorbell. Hey! Who rang this doorbell? Think strange, Annie. I answered the door. Nobody was... How did you get in here? I'll tell you later, Joe. You'll get the chance.  Drop it. Yeah! Slade, where are you? Oh, there you are. Be with you in a minute, sailor. Now, let's see. Where were we, Annie? I was telling you how nice it can be in Havana. You have to sit on his lap to tell him about Havana? Slugger, Slade. I like to watch you hit people. You were saying, Annie, uh, where does Joe keep his dough? In his money belt. He'd get rid of that bell ringer who just came in. Okay, Annie, you can get down now. You've had it. Joe's got five grand that belongs to me. That's what's going to make Havana so nice. You heard him. Get down, Annie. Down, girl. Down. That's right. Sailor, you're my girl. Let's get these people to LaSalle. Then we can go home. Our stars, Humphrey Bogart and Lauren Bacall, will return in just a moment. Slade? Yeah? What do you want? I want to ask you a question. All right, all right. What is it? How did you get that girl in your arms, so fast? Well, she was standing right about where you are, and I happened to flex my muscle, just happened to, like this. She walked over to me. Yeah, yeah, just like you did. Then what? Well, you don't know. This? Is that what she did? Uh-huh. And I... That's what I did. You kissed her like that? Well, it was a matter of $5,000. And that slap makes you feel better? Now I feel great. Come here. And so, our two stars, Humphrey Bogart and Lauren Bacall, have brought to a close our latest bold venture story. Special music was composed and conducted by David Rose. May we invite you to listen again next week at this time for another exciting adventure starring Humphrey Bogart and Lauren Bacall together in bold venture.


The Thursday night game between Dallas and Chicago. Brandon, we talked on the Thanksgiving podcast about how Mr. Trabisky was playing a little bit better and he played a little bit better once again here. You know, not a tough matchup. Dallas' defense once you adjust for schedule has not been a good one this year, but Trabisky looks a lot better now than he did in the past. 244 yards for him, three touchdowns. He was four times the NFL average in per-drop back efficiency based on number of virus metrics. Since returning, he's got 13 touchdowns and six interceptions. The overall efficiency has been below average, but I think for me the most important thing is that he ran 10 times. He has seven, four, and 10 attempts. He's passed three games. He's running the ball again. That gives him fantasy potential. He looked good. He looked athletic. He looked healthy. You talked about his rushing. Earlier this year through the first 11 weeks, his maximum rush attempts in a game was four and he had not exceeded 15 rushing yards. Since then he's gone seven attempts, four attempts, and 10 attempts, and 63 yards on Thursday night. And last year when Trabisky had these ceiling games where he was like actually being a kind of like a must have DFS asset. A lot of it was because of his rushing. Is it to the point where you will now use him in DFS in more middling matchups? Or, because I think that we both agree that he's in play for plus matchups now, would you go there in a more middling matchup? Or do you need to see more before you fully commit to that?   That's an extra passing touchdown.  We both value it and he will never be priced like an elite quarterback. So I think that I'm definitely more okay playing Trabisky in sort of those average matchups. What about you? Yeah, I think I agree where I'm at least considering him considering him now. Whereas in the past, it was harder to consider him even in plus spots. But I think it's not even just like the Thanksgiving game in this game. Like the first Detroit game, he played decently well there. Then he had that terrible game against the Rams. And then the Giants game showed a couple flashes to him. He's still in a bad pick. Like he's still going to make bad plays because like there's nothing stable about Trabisky. But if he can still have good plays too, I think that kind of counteracts that. So I'm feeling a lot better about him. I think he's intriguing. I think that he does upgrade this entire offense.


In ABO blood grouping, you know there are two types of antigens on the surface of RBCs, the A antigen and the B antigen. And depending on the presence or the absence of the antigens, the blood types AB, AB and O are determined. How? If the red blood cells of a person have only the A antigen, then the person is said to have blood group A. If they have only the B antigen, then the blood group is B. If the red blood cells have both A and B antigens, the blood group is said to be AB. And if the red blood cells of a person have neither A nor B antigens, then the blood group is supposed to be O.  You see something like AB positive or B negative or O negative. So where are these positives and negatives coming from? That is what we are going to learn about in this video. So besides the A and B antigens, there is another antigen that is found on the surface of RBCs. It is called the RH antigen or the RH factor. The RH is named after the Rhesus monkeys on which these experiments were first performed. So some people, they have this antigen on their RBC surfaces and these people are said to be RH positive. And the people who do not have this antigen on the surface of their RBCs, they are called RH negative. So the pluses and minuses that you see on your blood reports besides AB and O are nothing but this RH factor, the presence or absence of it on your RBCs. So let's look at the compatibilities. Which type of blood can be donated to who? So what if there is an RH positive blood that is donated to an RH positive person? What do you think will happen? The RH positive blood has the RH antigen on its RBCs but so does, so do the RBCs of this person. This person has the RH antigen too. So they are a match, so they are compatible. So yes, RH positive blood can be donated to an RH positive person. What if we try to donate an RH negative blood to an RH negative person? Again, the same thing. It's a match, so there is no problem, right? What if you try to donate RH negative blood to an RH positive person? Now let's remember what an RH negative blood has. It has nothing. It doesn't have the RH antigen on the RBC surfaces. But the RH positive person does have the antigen. So is there an incompatibility? No, because there are no antigens in the blood that is being donated. So the person will not produce any antibodies. So he's safe. He's fine. Now let's look at the last case where RH positive blood is donated to an RH negative person. The RH positive blood has the RH antigens. So what will the blood of the RH negative person do? It sees the RH antigen and recognizes it as foreign because he himself does not have that antigen. So what he'll do is he will produce antibodies against the RH antigen. And what happens then? The antibody will react with the RH antigen and there will be blood clotting and then severe reactions and that's not good for the person at all. So RH positive being donated to an RH negative person is an incompatibility. Now let's look at a special case of RH incompatibility. Let's say a woman who is RH negative is pregnant with a child who is RH positive. How does that happen if the father of the child also happens to be RH positive then this kind of a situation can arise. So what do you think will happen? During the first pregnancy what happens? So the placenta is arranged in such a way that the blood of the mother and the child is not supposed to mix. So in the first pregnancy it's fine even if the blood types are incompatible everything goes fine. However when the woman gives birth to the RH positive child a birth can often be a messy affair and what happens is her blood may get exposed to the blood of her child a little bit and when that happens her blood immediately recognizes the RH antigen as a foreign particle and immediately her blood starts making antibodies. So now let's see what will happen when she gets pregnant with an RH positive child again. So this is the second pregnancy and again she's negative and the child is RH positive but the last time she was pregnant with RH positive child she got exposed to the blood of the child a little bit during birth of the child and so now she has antibodies. She has these antibodies and what do you think these antibodies will do?  Worst cases it can be fatal to the child and if not the child anyway can be born with anemia and jaundice and this condition is called erythroblastosis fetalis but don't worry these days we have a cure for it. What is the cure? So you see these antibodies right the antibodies which were so deadly for the child nowadays we have antibodies available to these antibodies.  So taking into consideration both the A and B antigens and the RH antigen these are the different blood types that we can have O negative O positive A negative A positive and so on and when we look at the compatibilities whether a particular blood type can be donated to a particular person we have to consider the A and B antigens as well as the RH antigen. So now we have this table where these are the different types of donors and we have the different types of recipients. Can you fill the table saying which combinations are compatible and which combinations are not? So let's look at some of them. So here we have O negative donor and O negative recipient. So what antigens do they have? The donor so O negative blood it has none of the antigens A or B or RH factor so that means no antibody production so this is compatible. What about O negative and O positive? Now the O blood group means neither A or B antigen is present but the RH factor is present in the O positive blood group right but this is the blood group of the recipient so the recipient the person who will receive the blood he will have the antigen the RH antigen and the donor blood will not have the antigen because that's negative so the recipient blood has nothing to produce antibodies again so again this is compatible. Now let's look at the opposite what if O positive blood is donated to an O negative person if O positive is the donor that blood will have the RH antigen and O negative if that's the recipient then the recipient will not have the antigen so the recipient's body will produce antibodies against the donor blood and this is not compatible. So can you work out the rest of the table? Take some time pause this video and figure out which is compatible which donor blood can be donated to which recipient. So here I filled out the first column for you here the O negative is the donor blood and all the others are recipients now O negative has no antigen whatsoever right so no matter who it is donated to it will always be compatible because the recipient will not produce any antibodies because there are no antigens to produce antibodies against so O negative is called the universal donor. Similarly if you just consider the AB positive as the recipient AB positive means what the recipient will have the A antigen the B antigen and the RH antigen so all the antigens are there so there is no way the recipient's body is going to produce antibodies against all these blood groups so no matter what donor blood is donated to the recipient AB positive it will always be compatible hence the AB positive blood group is called universal recipient. How do you do the rest of it? Let's take the first row see the recipient is O negative that means they have no antigen so no matter what antigen is thrown at them there will be a reaction and there will be incompatibility of course O negative it was it was fine because it was a match but all the rest of them they have some or the other antigen and hence the O negative recipient will produce some or the other antibody hence none of these matches are compatible. Now let's take one more row let's take this row of A positive recipient let's consider the donors one by one O positive no A or B antigen but there is an RH antigen but A positive recipient also has an RH antigen so yes this is a compatibility A negative donor and A positive donor A negative does not have the recess antigen but it does have the A antigen the recipient also has the A antigen and it has the recess antigen so no problem so it's a compatibility A positive and A positive are of course compatible what about B negative donor and A positive recipient since it's RH negative RH factor wise the recipient is fine however since there is a B antigen in the donor but no B antigen in the recipient the recipient's blood will produce the antibody to the B antigen and hence this is an incompatibility similarly B positive donor is an incompatibility AB negative again it has the B antigen so it is incompatible A B positive is also incompatible so you can work out the rest of the table following this very simple principle whatever antigen the donor has if the recipient does not have the same antigen the blood will violently react to the donor blood and there will be an incompatibility otherwise it'll be fine so again take some minutes and try to complete the table by yourself okay this is the completed table of the donor recipient compatibility between the different blood groups which includes the A and the B antigens and the RH factor


Welcome to the Alpha Rising inaugural podcast for TheStreet.com. I'm Tracy Burns. I'm honored to be your host. I'm even more honored to have Jane Newton here as our inaugural guest. Jane, founder of the Region Atlantic Wall Street Women Forum, managing partner and wealth advisor, and I think more importantly, Barron's put you on their top 100 women financial advisor list in 2015. Thank you for being here. Well, Tracy, thank you for having me here today. This is quite a list of accomplishments. I think, though, we start with the Wall Street Women Forum. Back in 2008, 2009, when the world was falling apart, financial crisis first imploding, then exploding because its tentacles hit everywhere. We saw many high-powered women falling, taking the fall. One may say, yes. Right? And you decide we need an organization to help. How did this all start? It really goes back to my background on Wall Street and I'm happy to share that with you, but specific to what happened in 2008 is my clients who were on Wall Street, both men and women, and many of my friends and former colleagues, all had the same concerns. Number one, what was going to happen to their jobs? Right? Many of them had already lost their jobs. They knew they were on a path, probably to have their jobs become obsolete or they were just concerned. And the second question that I heard repeatedly, Tracy, was what's the compensation going to look like? You know that Wall Streeters get a nice cash salary, but most of their compensation is deferred and very variable. And by the way, it's often deferred, especially back then, into company stock. So their actual take home pay for the lifestyle that they often want to lead may be a little bit mismatched. And they were concerned about these clawbacks. So all of a sudden, they're wondering, how am I going to be able to continue the life that I would like to live for me and my family? Because let's not, I mean, diminish these bonuses or this deferred compensation that you were talking about. It's a huge, huge numbers that were disappearing. Huge numbers disappearing, right? Firms that went under and everybody lost all their stock compensation, right? All that deferred compensation. So yes, Wall Streeters, their compensation is somewhat unique from other industries. People say it's high, it's high, but it's not all cash. So questions about what's going to happen to jobs, where will the opportunities be, and how am I going to be able to afford my lifestyle? So I heard those questions from my clients. I set out to talk to many others I know and ask them what was on their minds. Men and women had the same questions. The women in addition had other concerns. How am I going to reinvent myself yet again? Many of these women had already been through the industry consolidation, you know, the Manny Hanny, Bankers Trust, Deutsche Bank, JP Morgan, and they were getting tired of it, or they were at the same firm and their management kept changing, right? As the industry was evolving very quickly and they asked themselves how do I stay relevant, right? And even people in their 50s on Wall Street are starting to feel like they age out, and that was accelerating. So I heard all these questions and I thought there's a real thirst for information that isn't in my natural wheel set, but I know how to get the answers for my clients and also the women wanted to get together with their peers. We can talk about this, but women generally don't spend as much time on that building the network as maybe the men do. I put this together and I went to my partners and I said I want to put together an event for Region Atlantic in the city for high level women on Wall Street. Just the kind of people we know we can help with our advice, our financial planning, and yes, investment management. So they jumped at this because on one hand it's a pool of really amazing potential clients. Correct. On the other hand, there's a philanthropic angle here. There's a philanthropic angle and with me personally, and I've realized maybe in hindsight that the Wall Street woman forum community that is now 750 strong and growing today, that I didn't have that as I grew up on Wall Street. I certainly didn't have it when I started out in investment banking, and maybe I didn't invest as much in it, but I didn't have that what I think of now as the sisterhood. This group of women that come together in small groups and big groups, but I can help convene with Region Atlantic to help each other, to learn from each other and the speakers and what we can do individually and collectively to really advance women in the industry. So it's for ourselves, but it's also to help the next ones coming up behind us. Because it was lacking when we came up the ranks. Absolutely. I mean, especially in investment banking, I mean, if anyone is familiar with it, it's grueling, the hours are long, and therefore it is very hard for women to last in investment banking. So I think there's a lot of things I have learned along the way, right alongside all the women in the forum community that I wish I'd known in my 20s when I started out in investment banking. And gosh knows where I'd be today if I'd known some of that back then. We didn't talk about the term sponsors. There was no notion that there's somebody better than a mentor who can help advance our careers, who can help advocate for us even when we're not in the room. That's a sponsor's responsibility and benefit to anybody being sponsored. We didn't even have that word in a vocabulary. No, we didn't even know. Nor did we even think to find a mentor. I didn't at least back then. Yeah, I think yes. And I think that one of the questions, and I still get asked this today, is if I was choosing a mentor or better yet a sponsor, or if I was looking for one, should it be a man or a woman? I don't think there's a right or wrong. Find that person. Many women I've talked to have views on whether they prefer a man or woman, but you have to have those relationships really solid. I think that we had formal mentor programs, and we all know that some of those work out well, and some of those relationships that were foistered on us don't work so well. And so I think part of it is we have to own our own careers, right? Men and women know that, but what does that look like? And part of our owning our own careers is to take the risk and go find those relationships that can help us. I think that's like something like every young woman coming out of college should be told. The first thing you need to do is go find yourself a sponsor. Let's talk, since you brought it up, let's talk about the difference between sponsorship and mentorship, because these are buzzwords people throw around all the time lately. Sure. And there is a huge difference. Right. So I think of mentors as that person you go to. It could be your boss, it could be a colleague, it could be actually someone who works for you. The person you go to for advice, for guidance, for directions, for help, you ask all the silly questions of, and they may give you answers, they may push you in the right direction, but they're there really to guide you. That is completely different from a sponsor who is really there to advocate for you. So think of the sponsor as the person who's pounding the table when you're not even in the room saying, Trace is the person that you have to put on that committee. Trace is the person who really needs to take that job in Chicago. Trace is the person to solve that problem for you, as opposed to it's all the men who they're pounding the table for. So the sponsor is really, as one of my keynote speakers likes to say, that most of the most important decisions about your career are made when you're not even in the room. It's that person who's providing you those opportunities. That's a lot to ask, right? That's like finding that big brother, big sister that wants to put their neck out on the line for you. And they are, right? They're investing a sponsor, I believe, is putting their personal capital to work. Totally. So there's a whole question about how do I get a sponsor, and I don't believe you get one, I think you have to earn it. And also, if you're being sponsored, sometimes called a protege, what is your responsibility in turn? Because that person is putting their neck out for you. Right. And so like an organization like yours actually brings all these women together, 750 strong, you said now, which is amazing. Invite only, correct? Yes. Invite only because it's geared specifically for high level women on the street across all sectors.  And I can tell you, because I'm involved in enough Wall Street organizations, there is no other organization like this with only high level women across the whole of Wall Street. And that's why they come. Do you encourage these women to be sponsors then? Because really, those are the people the young generation needs, right? Yes. And it's both sides at the forum. I encourage them to be sponsors. I actually consider myself as the founder and leader of the Wall Street Women Forum. In a sense, I'm sponsoring all of them and helping them form connections and help each other and together what we can succeed as collectively. What we talk about the forum in terms of sponsorship is all the questions you've asked. How do I get a sponsor? What what does that look like? How do I leverage that relationship? I've even been asked how do we exit a relationship with a sponsor that isn't working? All of those things. We also talk about what can we do to sponsor in term because I think there is a real commitment maybe not when I was coming up on Wall Street, but a real commitment now among the women to give back to help those coming up behind us. It's amazing because I see it too. I myself too did not have a mentor, was not sponsored, and and and was part of that generation a little bit where they would claw your eyes out. Yes. And so it's really nice to hear it's changing, especially when we talk to younger entrepreneurs. I had the pleasure of interviewing the founders of Rent the Runway. They're young, but they are all about giving back. So I love that the conversation is changing. I think that there's a lot of things that have changed. And I think back and I never had a role model when I was an investment banking or even private banking. And I was at JP Morgan, so a very large firm. I found pieces of women that I respected a lot that I liked and I could put together a composite, but I cannot say I had a role model. And I used to think I was the only one like that. And I've learned now that most of us coming of age on Wall Street in the 80s and 90s did not know, did not have those role models either. Now sponsors weren't even talked about. Exactly. When I think back on the arc of my career, I realize I had sponsors. Things didn't, yes I worked hard, but things didn't just happen. Sure. Those doors didn't just get opened. And I realize now that I did have both men and women who were clearly my sponsors. We just didn't think about it then. And I asked myself whether I treated that relationship as well as I could have, because it wasn't so thought about, so strategic for me back then. Right. And that's why I think young women really need to think this through. And look, the other problem too is when we looked up, we didn't see a lot of women. That's, that's so I think that expression you cannot be what you cannot see is so true. And as I said, there were women that I liked. They were bringing at what they did. They were great managers. They were great in other ways, but they weren't necessarily the role models I sought in terms of blending both their professional life. And I knew I wanted to have a family and I did. And so they were not necessarily kicking on all the cylinders I was hoping to find. Which is a great point because the many of the women that I, that were up top when I was there, did not have children, did not have families. They dedicated their lives to this. And I didn't want to be that girl. And so then, then I found myself lost in the process. It's different now. It, look, it was challenging once I had my own family. Because you have two boys. I have two boys who are now in their 20s. They're, they're launched, but they're always my babies. As big as they are. They're always my babies. Always a mom. That was where it got really challenging. Not only in terms of the grueling nature of being in investment banking as you, as you said, but also figuring it out. For the younger women and men, you know, in their 20s and 30s these days, they have so many more female role models. I'd like to think we're all role models for them. And I think they, they also still have that open mindness and gung-ho-ness about them. And they are much more vocal, I would say. I'm not sure if they're more strategic, but much more vocal than we even thought to be about seeking out those relationships. Especially the women. When you and I talked yesterday, we both stepped out of whatever this corporate America thing is for a while, to be home with the kids. And that used to be seen as a really, really negative, like, oh, you're giving up your career thing. It's not anymore. Actually, I think people are almost pursuing it as a noble thing, which it really is, quite frankly. It's the hardest job in the world. But should women be worried about that these days? I think it's much more acceptable. We see men off-ramping. Look, when I, when I left J.P. Morgan, there was no term for off-ramping. And let me be clear, I loved my career at J.P. Morgan. And in 17 years there, what a phenomenal way to go from investment banking into private banking, where I could really have an impact on the person directly across from me at the table. Life was good. And then what happened was life. Right. We had an important time, my husband and me, and with our two young sons. And I decided to leave my career in private banking. And on the one hand, it was a very difficult decision, because I really loved the career and the challenges and what I was building. But in the other hand, I really love my kids too. And that was really important. So it was made it a very easy decision. And we think of that as off-ramping now. I don't think the notion of stepping out is so frowned upon right now. What I think is really continues to be incredibly challenging is how to get back in. And I have many, many women who mostly were on Wall Street, and that's how they find me, but could be in any career. They were lawyers. They were in manufacturing management positions. They stepped off for whatever reason. And now they want to get back in. And it is really tough. I was, I don't want to say I was a lucky woman. We say we're lucky too often. I was lucky and I worked very hard to build on the relationships that I had long had to get me where I am today at Region Atlantic. But it's really hard to on-ramp. I think it takes a certain person willing to take a risk on you coming back in to say, oh, Jane can do this. Tracy can do this. Johnny can do this. Why doesn't this fall on the shoulders of corporate America a little bit more though? Shouldn't it be a little bit more, I mean, it's a talent pool. It's a talent, and there's a talent shortage in certain fields. And there's a talent shortage. And just because someone, I love the off-ramp thing that sounds so much better than me saying, stepping out, these are talented women. These firms should want these women back. This is a valuable resource. Some industries and some firms are doing much better. There are, in many firms, formal programs. I know people who have gone through them on Wall Street. There's these various entree, they don't call them on-ramp, but entree programs. And they're grueling, very mixed successes to how they do. And I would say they shouldn't just be for women, because there are men who have stepped back. And I think that's what's helped things. The other thing I think that, Tracy, that helps with this is many of our peers, when we were women and we off-ramped, are the men who have daughters. And I can't tell you how many times a man says to me, you know, I think very differently now that I've raised a daughter. I want her to have all the opportunities that I had or that the men have. And she should have no obstacles. So I think it's raising their awareness and they're much more attuned to it. Change is slow. I know. These things are ingrained. And I sure you know the differences now are not so explicit. It's not the boom-boom room and the trading floor and all the craziness that some of us know happened that was rather not friendly. Oh, there was still a firm in Jersey that hasn't cut the memo. But whatever. Right. And certainly in your industry, in the media industry, there's, you know, continues to be bombshells about gender discrimination. It's much more under the surface. Yeah. They call it unconscious bias. And we all have it. Do it. So I think that it's no more easy because it's hidden. But we need to, it all starts to me with awareness. So there is a mindset that we have a valuable talent pool that we're not tapping. And I do think it comes to someone saying, I'll extend a hand to you. I need you. I want you. I'll take a risk. And selling you to whoever else has to be in on that decision. I've heard this time and time again now that the men have daughters coming up the ranks and they're thinking things differently because of their daughters. So, so to that, do you think it will change with the generations? I have gotten mixed response to this. Do we get rid of the wonderful white men that are at the top right now when they move on and the next generation comes up, will it be different or is it that slow to change? I'm very hopeful. I've seen change already, but it is going to be slow. So let's, let's use Wall Street as the example. After the financial crisis of 0809, we saw so many very high profile, very visible women leaving the street. You may say they took the fall. We can, we can talk about that. But they, they left for whatever reason or they were pushed out. Right. And you know who they are. As any women on Wall Street saw that happening, it had, it affected them deeply. If Ina Drew can't make it, what means that for me? If Zoe Cruz can't make it, if Erin Callan can't make it, if it didn't work for them, why do I think this is going to work for me? And so I think that it dealt a blow to many women who may have decided that they were going to stick it out and try that much harder and find ways to make it work. It may be that they did a lateral move to get somewhere else. They changed within the industry. And I think it also is a big part why women go and launch their own firms. They've become entrepreneurs because they'd rather control their own destiny. Right. And many of them actually want to be the female owners of a, of a, of a firm that helps other women. Right. And maybe has female clients. And, and really that, the time is right for entrepreneurship. Right. Money's cheap. You can work remotely. So, so that, that works to our advantage. But that comes to the confidence issue, doesn't it? Like women, real, I think we overthink things sometimes, right? The notion that some of these women now watching the Zoe Cruises, the Sally Crouchucks of the world take a fall and all of a sudden questioning their own abilities, this is a confidence issue, isn't it? It is a confidence issue, Tracy. And look, I, I face some of that too. So, I get asked all the time, why would these very accomplished women, you know, on Wall Street, need any help having self-confidence? And so there's this notion that we're, you know, supremely confident. Right. And boy, is that a myth. Right.  So, I think that we are sometimes our own worst enemy.  And yes, there's some truth to that. But it's also about what we can do to further ourselves. And so we can't just whine, we have to actually act. And one of the things we can, we can focus on is the things we can control. So, I can't control what happens, you know, in the industry consolidation or the, the stock price of a particular bank or, you know, all of that. But I can control my own parts of my own career. And what I, what I help these women and our speakers help these women realize is how to own it, how to take charge of your own career. So, we talked about the relationships that matter, that's certainly sponsorship, right? How can we squash those voices in our head? Those voices of self-doubt that say, when are they going to figure out I'm really not that smart? When are they gonna figure out I'm, I really shouldn't be working with that client? Right, that I do not have a plan, you know, what together. Exactly, when are they going to figure out that this is like, I'm really taking a re-list here out of my comfort zone? And I think that we have to stop those voices in our heads and, and squash that negative self-talk. One of the most interesting things for me, I love to connect dots. I've realized connect dots and connect people is something that I just kind of took for granted, but I've realized and other people have helped me realize that's something I really enjoy doing. Connect the dots from okay, we're not as self-confident as we know we really want to be consistently, right? We have our moments, but we have our other moments. Connect that to what it means to have a sponsor and then what it means to take risks and what it looks like to be more visible in your firm or in the industry. These are all themes that the Wall Street women want help with. So if I feel I'm lacking in confidence, how different is it when I know someone's got my back? When I know that there's a sponsor there who's going to catch me, who's going to open the doors for me and encourage me to take risks that maybe I didn't even know I was ready for. I've had many of the women say, and the men on Wall Street say, I was told to put my hand up for this job. I didn't think I was ready, right? Women say all the time I'm not ready. Right, because we have to check every box. We have to check every box. The men just put their hands up and say, I'm your guy. I can do this. I got this. Great stories around that and dismaying stories. Women, we need to put our hands up. If you knew someone was going to catch you and make sure that you had the tools and the support to do it, how much more likely are you going to be to put your hand up and take those risks? Just to say someone has my back. So it's tied back to the relationships which help engender self-confidence, but you need the self-confidence to reach out and forge those relationships, right? And then how that helps you become more visible. So one other thing you and I have talked about a little bit is we don't like tutoring our own horn, right? That word, I don't want to brag about myself. Many of us, myself included, will say I will pound the table for my own team. I can do that really comfortably. When someone's done a great job, I'll pound the table. But pound the table for myself, no way. So true. So if you have a sponsor do that for you, right? You don't have to do it yourself. It takes a village. Sure does. The other thing you and I talked about in the interest of time, I'm going to keep us moving here. Women ask, what am I missing? How come men don't? Actually, they both ask what they're missing, but perhaps in different ways. So in my role as a wealth advisor to busy, smart, capable professionals, these are people who often are taking care of their own personal finances. They may know they're not doing as great a job as they could. They may think they're doing a very good job. They may not realize there's other things they'd rather do with their time than do it themselves. They get a lot of information, right? Wall Streeters and other professionals, they get bombarded with things they should think about. Oh, I should do a Roth IRA conversion. Oh, tax reform is going to mean X. Or here's what the latest thing in estate planning or charitable giving. They don't know how to apply it to themselves. So inertia sets in. So my finding is that smart people are really afraid of making a bad decision. Yeah. And so unless they're going to seek help to help them make a sound decision, they make no decision, right? I don't want to have to admit to myself or my spouse or my brother-in-law that I did something silly. So that could impair my financial path down the road. So what they want to know is, what am I missing? Here's the questions I get. What is everybody else doing that I should think about? And I can share some of that with my clients, but at the end of the day, what they're really asking is, what's it mean for me? Of course. So I bring it home to them, knowing them very personally, thinking about if they have a career. How does their career fit into their long-term goals? What kind of path do they see themselves on and where do they really want to go? The women, as we know from our surveys of the Wall Street women in the forum community, is two-thirds of them say they're where they want to be in their careers, even if they don't know that they're being paid or recognized the way they'd like to be. That leaves one third who are not where they want to be. One third who know they want to make a change and get to their dream job. How do they get there? What do they want to do? Where do they want to go? Are all things about what they're missing and they need help with? I can find people to help them dream about their dream job. Where I come in is what can they afford to do? So they want to know what am I missing if I walk away from this job to take another job or I just walk away. What am I missing that could derail my finances? What am I able to do? And that's what I help them frame that decision. How do I become a member of the Wall Street Women Forum? I'd love you to be a member of the Wall Street Women Forum. I would too. How do we aspire to be a part of this eclectic group? So it's all word of mouth, amazing woman, recommending other women. This is a very vetted community so that the women who are part of it know that they're dealing with their and interacting with their peers. These are women with usually 20 plus years of experience in the industry and a lot of responsibilities. So think managing director level across all sectors, all kinds of firms in Wall Street. Two-thirds of our community come from the large banks, names you would know, and about a third come from much smaller firms, sometimes their own firms they founded, and they've moved back and forth. So they come because they want to learn from the speakers, learn from each other, and that word that's sometimes seen as a dirty word, they want to network, they want to connect with their peers. So then do you recommend for young women coming out to get involved in other organizations that, you know, that are for their age, their... Absolutely, and I often will steer them to those. There are so many other organizations for younger women on Wall Street, and then of course within some of their firms they have, most of them have some sort of women's initiative. I encourage women to take advantage of it. One of the things I saw over my career at JP Morgan is there were some women who would never get involved in a woman's organization. They did not want to be associated with something that needed help, right, or what we now... Right, you're weak. You're weak. You're weak, or we're scared of you.  Exactly. So I never understood that for a long time. I was like, why would you not want to be part of something and help other women and maybe help yourself in turn? Now there's so many organizations like this. Some people might say there's too many. I say find the one that works for you that you can be part of and take a leadership role in to make a difference. Get involved and pick someone. My last question to you is on an entirely different note. The state of the financial advisory industry is changing. It has to. Right now we have a lot of white men at the top. We have a lot of men who talk to men and the transfer of wealth from men to women over the next ten years is in the trillions of dollars. All these women are going to inherit money from their husbands. Correct. Where are they going to go? Because they're not going to stay at these firms, are they? So this is all true, this huge transfer of wealth to women. I want to add on to that how much more and more women are the breadwinners. Right. So I mean just in the Wall Street women form community, I was always curious like how much how many of them are the primary breadwinners? How many is a significant other? What's the deal? And so I asked them and two thirds of them are either the primary breadwinner or the solo breadwinner. That's me. I'm solo. Okay. So you know how hard it is. Yes. That's two thirds. Only one third of them say they're equal breadwinners with their partner or the partner is the breadwinner. So we're talking two thirds of these women. That's not unique across corporate America. You look at the legal profession, you can go to, you know, consumer products, etc. fashion. The women are more and more the ones who are owning it. And the question is how do they feel about who are they going to work with as an advisor? Right. So I think this gets to what is someone looking for in a financial planner? Right. What is someone looking for in the as a financial advisor? I like to think that people are looking for a relationship. It's not a stockbroker. It's not, you know, someone who's going to give them investment tips. It's not transactional. It's all about relationships. I think what's important is that people have choices. Men and women have choices of gender, of age, of all sorts of different aspects. And yes, there are woefully few women in our industry. Just some of the statistics that of all the financial advisors, 310,000 advisors apparently in the U.S., only 16% of those are women. What? That's less than one in six. So 16% of them are women. And I would say just anecdotally my experience is most of them are newer to the industry. There are huge numbers of the white men, as you say it, who are going to retire in the next 10 years. Right, because the average age is close to 60. The average age is close to 60. Many of them are founders of their firms. Many of them have developed long-lasting relationships and they need to know how to be fair to their clients by finding a successor, right? You can just leave. It's not fair to your clients, in my view. What a great opportunity for women to step in. So one of the things I'm very committed to is figuring out how to show women that this is really an attractive space for them that the financial planning profession, it's not a job, it's a profession is perfect for women. We love people and relationships. It isn't just about dollars and cents and math. Yes, there's a big component of that. So how can we show women what it looks like and who would their role models be? Again, you cannot be what you cannot see. So if I and others can help lead a movement to attract more women into our industry, starting out, or like me, mid-career coming in to the wealth management space. And if we can help not just recruit them but retain and develop and help them to be successful, what a great thing. It gives more choices. This is a story that we will continue to talk about because I just think that the industry is going to get smacked in the head. They don't realize what's going to happen when women inherit this money and they go find boutique firms run by women, smaller firms, people like yourself, like everyone's going to Jane. Jane, this was so wonderful. We could keep talking and talking and you will come back and we'll continue this conversation. It's the region Atlantic Wall Street women form. If anyone wants to check it out, Jane, you are someone that everyone should be looking up to. Well, thank you, Tracy, and it was a delight being here with you today. You're great. Thank you.