Good Morning! And a big thank you to all who have joined the 21 Hats community by taking a paid subscription to the Morning Report. I am truly honored, and I am truly excited about where this will lead.
Meanwhile, here are today’s highlights:
The across-the-board surge in insurance rates is forcing business owners to make tough calls.
Gene Marks finds a handful of businesses making productive use of AI.
Younger workers may be losing their taste for “compliment sandwiches.”
Even MBAs and Wall Streeters having been diving into blue-collar businesses, but that may be changing.


