United Nations, Credit Cards, and Disappearing Diving Boards
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<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial">Scroll down to learn why the McIntosh apple is nearly forgotten, why you rarely see diving boards in backyard pools, and more. Or visit 1440 Topics for primers on <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9pbmZsYXRpb24_dXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtdG9wJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70Ba74d9df5" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">Inflation</font></a></strong>, the <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC93bmJhP3V0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXRvcCZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70B1de6e81d" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">WNBA,</font></a></strong> or 200 others.</span></p>
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<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><em>— 1440 Topics Team</em></span></p></div>
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<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><em>Instead of the news—which we cover Monday through Saturday—today we’ll bring you deeply researched overviews and the human-curated articles, podcasts, videos, and more that most fascinated us this week.</em></span></p></div>
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<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Established on Oct. 24, 1945, the United Nations is an intergovernmental organization designed to <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91bml0ZWQtbmF0aW9ucz9waW5uZWQtcmVzb3VyY2U9YWJvdXQtdXMtdW5pdGVkLW5hdGlvbnMmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70B882ad2a8" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">facilitate cooperation among nations</font></a></strong>. Headquartered in New York City, it comprises 193 member states and operates through six principal organs, including the General Assembly and the Security Council.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">The UN’s foundation was shaped by wartime cooperation. At the 1945 Yalta Conference, Roosevelt, Churchill, and Soviet leader Stalin agreed on key features of a new organization. That same year, representatives from <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91bml0ZWQtbmF0aW9ucz9waW5uZWQtcmVzb3VyY2U9Zm91bmRpbmctb2YtdGhlLXVuaXRlZC1uYXRpb25zLXNhbi1mcmFuY2lzY28tMTk0NS1hcmNoaXZlcy11bml0ZWQtbmF0aW9ucyZ1dG1fc291cmNlPTE0NDAtc3VuJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXZpZXctY29udGVudC1wciZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70C9e27209d" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">50 countries met in San Francisco</font></a></strong> to draft the UN Charter.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Since 1948, over 2 million peacekeepers from 125 countries have served in 71 missions. UN agencies have contributed to the eradication of smallpox in 1980 and the reduction of the under-five mortality rate by 52% since 2000. Critics claim <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91bml0ZWQtbmF0aW9ucz9waW5uZWQtcmVzb3VyY2U9dW4tZXhwbGFpbmVkLXRoZS1oaXN0b3J5LW9mLXRoZS11bml0ZWQtbmF0aW9ucy1zZWN1cml0eS1jb3VuY2lsLXZldG8mdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70D7a522345" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">the veto power</font></a></strong> held by the five permanent members of the Security Council leads to paralysis in decision-making, hindering timely responses to crises.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><br>
... Read our full <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91bml0ZWQtbmF0aW9ucz91dG1fc291cmNlPTE0NDAtc3VuJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXZpZXctY29udGVudC10b3AmdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70E6bdcd6b0" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">deep dive on the UN here</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong>Also, check out ... </strong></span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><span style="color:#7edcf9;"><strong>></strong></span> The UN in New York City is an international zone belonging to all member states. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91bml0ZWQtbmF0aW9ucz9waW5uZWQtcmVzb3VyY2U9dW5pdGVkLW5hdGlvbnMtaGVhZHF1YXJ0ZXJzLWFyY2hpdGVjdHV1bCZ1dG1fc291cmNlPTE0NDAtc3VuJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXZpZXctY29udGVudC1wciZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70F5370c9b2" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong><span style="color:#7edcf9;">></span> </strong>The League of Nations was the predecessor to the UN—and the US never joined. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91bml0ZWQtbmF0aW9ucz9waW5uZWQtcmVzb3VyY2U9dGhlLWxlYWd1ZS1vZi1uYXRpb25zLTEyOTAmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70G959bf91f" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><span style="color:#7edcf9;"><strong>></strong></span> Experts weigh in on how the governing body might be reformed. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91bml0ZWQtbmF0aW9ucz9waW5uZWQtcmVzb3VyY2U9dGhlLXVuLXR1cm5zLXNldmVudHktZml2ZS1oZXJlcy1ob3ctdG8tbWFrZS1pdC1yZWxldmFudC1hZ2FpbiZ1dG1fc291cmNlPTE0NDAtc3VuJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXZpZXctY29udGVudC1wciZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70H0824a1e3" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p></div>
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<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial">Raisin hunts down some of the best interest rates on the market and brings them <a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly93d3cucmFpc2luLmNvbS9lbi11cy9lYXN5LXRvLWVhcm4_dXRtX21lZGl1bT1uZXdzbGV0dGVyJnV0bV9zb3VyY2U9MTQ0MCZ1dG1fY2FtcGFpZ249c2VwdDI1JnV0bV90ZXJtPWVhc3ktYm9udXMmdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Df3e487bb" target="_blank" style="text-decoration:underline !important;color:#0000ee !important;"><font style="color:#0000ee;"><strong>directly to you</strong></font></a>. With one login, you can access <a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly93d3cucmFpc2luLmNvbS9lbi11cy9lYXN5LXRvLWVhcm4_dXRtX21lZGl1bT1uZXdzbGV0dGVyJnV0bV9zb3VyY2U9MTQ0MCZ1dG1fY2FtcGFpZ249c2VwdDI1JnV0bV90ZXJtPWVhc3ktYm9udXMmdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Ef3e487bb" target="_blank" style="text-decoration:underline !important;color:#0000ee !important;"><font
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<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"> </span></p>
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<td valign="top" style="padding-right:20px;padding-bottom:24px;padding-left:20px;"><div style="font-family:Roboto, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;color:#131313;font-weight:normal;line-height:22px;mso-line-height-rule:exactly;letter-spacing:normal;mso-text-raise:3px;text-align:left;"><p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><b>Credit cards, 101</b></span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Arguably the biggest financial innovation of the past 100 years, credit cards are familiar pieces of metal or plastic that allow cardholders to borrow funds to pay for goods and services (with roughly <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9jcmVkaXQtY2FyZHM_cGlubmVkLXJlc291cmNlPXdoeS1hbWVyaWNhbnMtYXJlLWRyb3duaW5nLWluLWNyZWRpdC1jYXJkLWRlYnQmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Bbcaaf4d8" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">$1T owed to credit card companies</font></a></strong> today).</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Unlike debit cards, which draw money from the cardholder’s checking account, credit cards allow the cardholder to borrow a certain amount of money (called a credit line) from the card issuer (typically a bank or other financial institution) based on their creditworthiness (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9jcmVkaXQtY2FyZHM_cGlubmVkLXJlc291cmNlPWhvdy1kby1jcmVkaXQtY2FyZC1pc3N1ZXJzLWRldGVybWluZS1jcmVkaXQtbGltaXRzLW5lcmR3YWxsZXQmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70C6eda0797" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">how credit limits are determined</font></a></strong>).</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Credit cards are also the <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9jcmVkaXQtY2FyZHM_cGlubmVkLXJlc291cmNlPXN0dWRlbnQtbG9hbi1kZWJ0LXZzLWNyZWRpdC1jYXJkLWFuZC1tb3J0Z2FnZS1kZWJ0LWNvbXBhcmVkLTIwMjUmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70D4d176a7b" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">fourth-highest source</font></a></strong> of US consumer debt. Americans had roughly $1.2T in credit card debt as of Q3 2024—almost as much as they had in auto loans at the time ($1.6T), and significantly more than home equity loan debt.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><br>
... Read our full <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9jcmVkaXQtY2FyZHM_dXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtdG9wJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70E5428d7b4" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">explainer on credit cards here</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong>Also, check out ... </strong></span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><span style="color:#7edcf9;"><strong>></strong></span> How Bank of America first built Visa, the first national credit card network. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9jcmVkaXQtY2FyZHM_cGlubmVkLXJlc291cmNlPXZpc2EmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70F05156e4c" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong><span style="color:#7edcf9;">></span> </strong>Who actually pays for your credit card rewards? (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9jcmVkaXQtY2FyZHM_cGlubmVkLXJlc291cmNlPXdoby1hY3R1YWxseS1wYXlzLWZvci15b3VyLWNyZWRpdC1jYXJkLXJld2FyZHMmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70G4d57099a" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><span style="color:#7edcf9;"><strong>></strong></span> Why there are microchips in credit cards. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9jcmVkaXQtY2FyZHM_cGlubmVkLXJlc291cmNlPXdoeS13ZS1oYXZlLW1pY3JvY2hpcHMtaW4tY3JlZGl0LWNhcmRzJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70H946a9f5a" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p></div>
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<td valign="top" style="padding-right:20px;padding-bottom:24px;padding-left:20px;"><div style="font-family:Roboto, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;color:#131313;font-weight:normal;line-height:22px;mso-line-height-rule:exactly;letter-spacing:normal;mso-text-raise:3px;text-align:left;"><p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><b>What is Jupiter?</b></span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3Bpbm5lZC1yZXNvdXJjZT1qdXBpdGVyLXRoZS1sYXJnZXN0LXBsYW5ldC1pbi1vdXItc29sYXItc3lzdGVtLWJiYy1lYXJ0aC1zY2llbmNlJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70Bfe1b5ad0" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">Jupiter</font></a> </strong>is the fifth-closest planet to the sun and the largest and oldest planet in the solar system. As with all planets in our solar system, Jupiter formed from what remained of the cloud of gas that collapsed into the sun and protoplanetary disk (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3Bpbm5lZC1yZXNvdXJjZT1odWJibGVzLWluc2lkZS10aGUtaW1hZ2UtcHJvdG9wbGFuZXRhcnktZGlza3MmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70C96cb7a06" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font
style="color:#1634cc;">see examples</font></a></strong>).</span></p>
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<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Named after the king of Roman gods, this gas giant is most easily recognized by its <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3Bpbm5lZC1yZXNvdXJjZT1qdXBpdGVycy1ncmVhdC1yZWQtc3BvdC1ldmVyeXRoaW5nLXlvdS1uZWVkLXRvLWtub3cmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Dd37cdf94" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">Great Red Spot</font></a></strong>—a hurricane-like storm larger than Earth that has existed for about 200 years.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Heat from Jupiter’s core moves fluid in convection cells—hot gases rise and cooler ones sink. The planet’s rotation—the fastest in the solar system—spreads these rising and sinking fluids into east-west flows that wrap around it like global jet streams. The coloring of the flows results from differences in convection cell temperature and composition, which vary across three unique cloud layers (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3Bpbm5lZC1yZXNvdXJjZT10aGUtYmVzdC1qdXBpdGVyLXBpY3R1cmVzLWZyb20tbmFzYXMtanVuby1taXNzaW9uJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70E92e5adb0" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">see images</font></a></strong>).</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">... Read our full <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3V0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXRvcCZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70F3dc1cbe5" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">overview of the planet here</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong>Also, check out ... </strong></span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><span style="color:#7edcf9;"><strong>></strong></span> Thousands of objects, including 95 moons, orbit Jupiter. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3Bpbm5lZC1yZXNvdXJjZT1qdXBpdGVyLW1vb25zJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70Gc5ea7147" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong><span style="color:#7edcf9;">></span> </strong>Jupiter was twice its current size when it was first formed. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3Bpbm5lZC1yZXNvdXJjZT1qdXBpdGVyLWlzLXNocmlua2luZy1hbmQtdXNlZC10by1iZS10d2ljZS1hcy1iaWctbWluZC1ib2dnbGluZy1zdHVkeS1yZXZlYWxzJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70Hc91e7649" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><span style="color:#7edcf9;"><strong>></strong></span> How Jupiter may have helped destroy the dinosaurs. (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9qdXBpdGVyP3Bpbm5lZC1yZXNvdXJjZT1qdXBpdGVyLWVuZGFuZ2Vycy1lYXJ0aC1hbmQtbWF5LWhhdmUtZXh0aW5jdGVkLXRoZS1kaW5vc2F1cnMmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70I0dbd9721" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">More</font></a></strong>)</span></p></div>
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<td valign="top" style="padding-right:20px;padding-bottom:20px;padding-left:20px;"><div style="font-family:Roboto, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;color:#131313;font-weight:normal;line-height:22px;mso-line-height-rule:exactly;letter-spacing:normal;mso-text-raise:3px;text-align:left;"><p style="padding:0;margin:0;"><span class="mso-font-fix-arial">We added <strong>175 </strong>learnings this week to our knowledge collective---here are some of our favorites.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Trees shed leaves for self-preservation—and other <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9zZWFzb25zP3Bpbm5lZC1yZXNvdXJjZT13aGF0LXRoZS1zZWFzb24tb2YtZmFsbC1hbmQtc2NpZW5jZS10ZWFjaGVzLXVzLWFib3V0LWxpZmUtYW5kLWRlYXRoJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70B840d0969" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">reflections on fall</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><br>
How the McIntosh apple went from top apple to the bottom <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9hZ3JpY3VsdHVyZT9waW5uZWQtcmVzb3VyY2U9aG93LXRoZS1jbGFzc2ljLW1jaW50b3NoLWxvc3QtdGhlLWJhdHRsZS1mb3ItYXBwbGUtc3VwcmVtYWN5aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9hZ3JpY3VsdHVyZT9waW5uZWQtcmVzb3VyY2UlM0Rob3ctdGhlLWNsYXNzaWMtbWNpbnRvc2gtbG9zdC10aGUtYmF0dGxlLWZvci1hcHBsZS1zdXByZW1hY3kmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70B9e7b6705" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">of the barrel</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Diving boards disappeared—but they're not the primary cause <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9saWZlLWluc3VyYW5jZT9waW5uZWQtcmVzb3VyY2U9d2h5LWFtZXJpY2EtZ290LXJpZC1vZi1hbGwtaXRzLWRpdmluZy1ib2FyZHMmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Bc1e9f425" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">of diving injuries</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">How emotional stories can be the basis of <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9lY29ub21pY3M_cGlubmVkLXJlc291cmNlPW5hcnJhdGl2ZS1lY29ub21pY3MtYm9vay1zdW1tYXJ5LTIwLW1pbnV0ZS1ib29rc3Nwb3RpZnljYWxpZm9ybmlhLWNvbnN1bWVyLXByaXZhY3ktYWN0LWNjcGEtb3B0LW91dC1pY29uYmFjay1idXR0b25zZWFyY2gtaWNvbmZpbHRlci1pY29uJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70Bdd4370e0" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">massive economic shifts</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Teenager Guy Gabaldon captured the most prisoners in <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC93b3JsZC13YXItaWk_cGlubmVkLXJlc291cmNlPXRoZS13d2lpLW1hcmluZS13aG8tY29udmluY2VkLTgwMC1qYXBhbmVzZS10by1zdXJyZW5kZXImdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70B980edceb" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">US military history</font></a></strong>. </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Engineers are developing a new airbag system—<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9haXJwbGFuZXM_cGlubmVkLXJlc291cmNlPWVuZ2luZWVycy1wcm9wb3NlLW1hc3NpdmUtYWlyYmFncy1mb3ItYWlycGxhbmVzJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70B0a8cccc0" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">for airplanes</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Explore a gallery of the art and architecture <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9wb21wZWlpP3Bpbm5lZC1yZXNvdXJjZT1nb29nbGUtYXJ0cy1hbmQtY3VsdHVyZSZ1dG1fc291cmNlPTE0NDAtc3VuJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXZpZXctY29udGVudC1wciZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70B96f609c3" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">of ancient Pompeii</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">How does the National Guard <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC91cy1taWxpdGFyeT9waW5uZWQtcmVzb3VyY2U9d2hhdC1kb2VzLXRoZS11LXMtbmF0aW9uYWwtZ3VhcmQtZG8mdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70B3d549c81" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">actually work</font></a></strong>? </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">The New Zealand wellness cult seeking healing <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC90cnVlLWNyaW1lP3Bpbm5lZC1yZXNvdXJjZT1kaXN0YW50LWJlbGxzLXRoZS1sb2RnZS1wb2RjYXN0LW9uLXNwb3RpZnlzcG90aWZ5Y2FsaWZvcm5pYS1jb25zdW1lci1wcml2YWN5LWFjdC1jY3BhLW9wdC1vdXQtaWNvbmJhY2stYnV0dG9uc2VhcmNoLWljb25maWx0ZXItaWNvbiZ1dG1fc291cmNlPTE0NDAtc3VuJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXZpZXctY29udGVudC1wciZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70B51d799ac" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">and human flight</font></a></strong>. </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">The best angle for skipping stones is 20 degrees—<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9zcG9ydHM_cGlubmVkLXJlc291cmNlPWhvdy1kb2VzLWEtc3RvbmUtc2tpcC1hY3Jvc3Mtd2F0ZXImdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70B50f820d3" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">and other lessons</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Disney World ticket prices have risen by <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9pbmZsYXRpb24_cGlubmVkLXJlc291cmNlPWhvdy1kaXNuZXktdmFjYXRpb25zLWJlY2FtZS10b28tZXhwZW5zaXZlLWZvci1tYW55LWFtZXJpY2FucyZ1dG1fc291cmNlPTE0NDAtc3VuJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXZpZXctY29udGVudC1wciZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70Cfa2ea9f8" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">56% in a decade</font></a></strong>. </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">Batteries, explosives, and more wild inventions <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9hbmNpZW50LXJvbWU_cGlubmVkLXJlc291cmNlPXdoYXQtYXJlLXRoZS03LW1vc3QtYml6YXJyZS1hbmNpZW50LWludmVudGlvbnMtdGhlY29sbGVjdG9yJnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70B0d6bcbd0" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">from the distant past</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">The lonely man ensnared by a <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9nZW5lcmF0aXZlLWFpP3Bpbm5lZC1yZXNvdXJjZT10aGUtY29tcGFuaW9uLXdoby1jYXJlcy0xLWZsZXNoLWFuZC1jb2Rlc3BvdGlmeWNhbGlmb3JuaWEtY29uc3VtZXItcHJpdmFjeS1hY3QtY2NwYS1vcHQtb3V0LWljb25iYWNrLWJ1dHRvbnNlYXJjaC1pY29uZmlsdGVyLWljb24mdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Be112c61d" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">corporate-controlled AI chatbot</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">The fanciful, 12th-century claim that some monks found <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9tZWRpZXZhbC1ldXJvcGU_cGlubmVkLXJlc291cmNlPXRoZS1tZWRpZXZhbC1kaXNjb3Zlcnktb2Yta2luZy1hcnRodXItYW5kLWd1aW5ldmVyZS1hdC1nbGFzdG9uYnVyeS1hYmJleS1tZWRpZXZhbGlzdHMtbmV0JnV0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249dmlldy1jb250ZW50LXByJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70B5bc21510" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">King Arthur's bones</font></a></strong>.</span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial">"Hot dog" is likely a shorthand for the food's earlier name: <strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vdC9iYXJiZWN1ZT9waW5uZWQtcmVzb3VyY2U9d2h5LWlzLWl0LWNhbGxlZC1hLWhvdC1kb2cmdXRtX3NvdXJjZT0xNDQwLXN1biZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj12aWV3LWNvbnRlbnQtcHImdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70B4e68ca7b" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">"dachshund sausages."</font></a></strong></span></p></div>
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<td valign="top" style="padding-top:10px;padding-right:20px;padding-bottom:10px;padding-left:20px;"><div style="font-family:Roboto, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;color:#000000;font-weight:normal;line-height:22px;mso-line-height-rule:exactly;letter-spacing:normal;mso-text-raise:3px;text-align:left;"><p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial">Stocks rise and fall. Bonds fluctuate. But your cash at Raisin goes one way: upward. With high-yield savings and CDs <a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly93d3cucmFpc2luLmNvbS9lbi11cy9lYXN5LXRvLWVhcm4_dXRtX21lZGl1bT1uZXdzbGV0dGVyJnV0bV9zb3VyY2U9MTQ0MCZ1dG1fY2FtcGFpZ249c2VwdDI1JnV0bV90ZXJtPWVhc3ktYm9udXMmdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70If3e487bb" target="_blank" style="text-decoration:underline !important;color:#0000ee !important;"><font
style="color:#0000ee;"><strong>up to 4.36% APY</strong></font></a>¹, guaranteed, you can <a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly93d3cucmFpc2luLmNvbS9lbi11cy9lYXN5LXRvLWVhcm4_dXRtX21lZGl1bT1uZXdzbGV0dGVyJnV0bV9zb3VyY2U9MTQ0MCZ1dG1fY2FtcGFpZ249c2VwdDI1JnV0bV90ZXJtPWVhc3ktYm9udXMmdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Jf3e487bb" target="_blank" style="text-decoration:underline !important;color:#0000ee !important;"><font style="color:#0000ee;"><strong>count on steady growth</strong></font></a> — and a cushion when markets get rough.</span></p>
<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"> </span></p>
<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial">Strengthen your portfolio with guaranteed growth. <a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly93d3cucmFpc2luLmNvbS9lbi11cy9lYXN5LXRvLWVhcm4_dXRtX21lZGl1bT1uZXdzbGV0dGVyJnV0bV9zb3VyY2U9MTQ0MCZ1dG1fY2FtcGFpZ249c2VwdDI1JnV0bV90ZXJtPWVhc3ktYm9udXMmdXNlcl9pZD02OGIwZjNmYzljYWEwNmIxZDQwZDViNzA/68b0f3fc9caa06b1d40d5b70Kf3e487bb" target="_blank" style="text-decoration:underline !important;color:#0000ee !important;"><font style="color:#0000ee;"><strong>New customers can earn up to a $1,000 bonus² with code EASY.</strong></font></a></span></p>
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<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"><strong>1440 Science & Technology:</strong> Tuesday, we're exploring dinosaurs, the larger-than-life reptiles that once roamed the Earth (<strong><a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vc3Qtc2lnbnVwP3V0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2lnbnVwJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70B4cde268e" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;">sign up here</font></a></strong>). </span></p>
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<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"><strong>1440 Business & Finance: </strong>Thursday, we'll look at alternative investments like real estate, crypto, and art—any venture that isn't stocks, bonds, or cash (<a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vYmYtc2lnbnVwP3V0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2lnbnVwJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70B7d3a2d69" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;"><strong>sign up here</strong></font></a>). </span></p>
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<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"><strong>1440 Society & Culture</strong>: Saturday, we're chowing down on the history and evolution of the beloved burrito (<a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vc2Mtc2lnbnVwP3V0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2lnbnVwJnVzZXJfaWQ9NjhiMGYzZmM5Y2FhMDZiMWQ0MGQ1Yjcw/68b0f3fc9caa06b1d40d5b70B946c0977" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;"><strong>sign up here</strong></font></a>). </span></p>
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<p style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;padding:0;"><span class="mso-font-fix-arial"><em>Monday—Saturday</em></span></p>
<p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong>1440 Daily Digest: </strong>Our original newsletter focused on what is happening in the world each day. Join more than 4.5 million other insatiably curious readers—<a href="https://link.join1440.com/click/41646639.5318358/aHR0cHM6Ly9qb2luMTQ0MC5jb20vP3V0bV9zb3VyY2U9MTQ0MC1zdW4mdXRtX21lZGl1bT1lbWFpbCZ1c2VyX2lkPTY4YjBmM2ZjOWNhYTA2YjFkNDBkNWI3MA/68b0f3fc9caa06b1d40d5b70Cabc0524a" target="_blank" style="text-decoration:underline !important;color:#1634cc !important;"><font style="color:#1634cc;"><strong>click here to join for free!</strong></font></a></span></p></div>
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<td valign="top" style="padding-top:10px;padding-right:20px;padding-bottom:15px;padding-left:20px;"><div style="font-family:Roboto, Helvetica Neue, Helvetica, Arial, sans-serif;font-size:15px;color:#131313;font-weight:normal;line-height:22px;mso-line-height-rule:exactly;letter-spacing:normal;mso-text-raise:3px;text-align:left;"><p style="padding:0;margin:0;"><span class="mso-font-fix-arial"><strong>Historybook: </strong>Science fiction author HG Wells born (1866); "The Hobbit" is published (1937); Actor Bill Murray born (1950); Senate confirms Sandra Day O’Connor as first female Supreme Court justice (1981); Track and field legend Florence Griffith Joyner dies (1998).</span></p></div>
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<td valign="top" style="padding-right:30px;padding-bottom:10px;padding-left:30px;"><div style="font-family:Georgia, Times, Times New Roman, serif;font-size:23px;color:#ffffff;font-weight:normal;line-height:32px;mso-line-height-rule:exactly;letter-spacing:normal;mso-text-raise:4px;text-align:left;"><p style="text-align: center;padding:0;margin:0;">“It isn’t enough to talk about peace. One must believe in it. And it isn’t enough to believe in it. One must work at it.”</p></div>
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