In this episode, Scott and Bradley talk with Phil Friedman, CEO of iBynd, to discuss innovations in the insurance industry. They explore Phil's journey into insurance, his experiences with Amtrust, and the development of iBynd's platform, which streamlines insurance processes for agents and wholesalers. The conversation touches on the challenges and opportunities of embedded insurance, the technological advancements in iBynd's platform, and the importance of making insurance processes as efficient as possible. Additionally, the hosts share anecdotes about regional differences in the U.S., including a humorous discussion about guns and snow in Alabama versus New Jersey. The episode concludes with a reflection on the importance of taking action in business and life.