A join a free evaluation on how to economize in your electrical invoice helps NAACP elevate funds

Editor’s Note: This story is part of Southwest Michigan Second Wave On the ground Battle Creek range.

Battle Creek residents interested in saving money on their utility bills and building more energy efficient homes can register for free until August 13th Energy analysis at home offered through Consumers Energy.

In addition to benefiting homeowners and tenants, the program raises funds for the Battle Creek branch of of NAACP (National Association for the Promotion of Colored People).

“Consumers are working with minority and women-led nonprofits to promote this program and turn it into a fundraiser,” said Kathy Antaya, who leads the fundraiser and is the third vice president of the local NAACP. “They really go out of their way to target black and brown communities where people are least likely to let ‘the man’ into their home.”

To sign up, people should click here or visit HomeEnergyAnalysis.com or call 833-685-1312 to make an appointment. When registering online, enter NAACPBC in the promotional code field. When you call to make an appointment, Antaya says, “Be sure to give the call center agent the code.”

She hopes this will build people’s confidence in the work Consumers Energy is doing to save money and in their own ability to make these kinds of improvements.

“It makes a lot of sense to me, especially for households that are less energy efficient and more likely to benefit from it, and these are mostly low-income people or people who don’t trust a white person to come to their door,” Antaya says.

Although the fundraising opportunity has existed with organizations in the east of the state for several years, this is the first time an organization in Battle Creek has had the opportunity to partner with Consumers Energy, says Erin Donnelly, senior marketing & outreach manager for energy efficient solutions Logistics, LLC. SEEL, LLC is a Certified Minority Business Enterprise (MBE) and an Authorized Consumers Energy Contractor based in Comstock Park.

The payment for partner organizations is based on a tiered system. For every 50 energy analysis appointments completed, an organization receives US $ 500; for all 75 appointments this amount is $ 1,000 and continues from there up to a maximum of $ 5,000 for 200 completed appointments.

Donnelly says there were seven completed Battle Creek events listed as of yesterday.

“We need at least 50 visits to start a fundraiser,” says Antaya. “Our goal is 200 visits. We struggled to get 20. “

The participating organizations had a three-month window to register and complete appointments. The fundraiser began June 13th in Battle Creek, and Antaya hopes more people will sign up before the deadline.

Antaya is one of the seven people who already have an energy analysis carried out at home. During this analysis, she had 30 lightbulbs replaced and received four LED night lights, all free of charge for her. She says if her house, which is around 50 years old, had an electrical water connection, she could have got free plastic wrap and insulation for the hot water pipes and tape sealant for the water heater.

“The man who did my energy analysis was very experienced and professional,” says Antaya. “He made me feel so comfortable. He even pointed out a few things that had nothing to do with energy efficiency and asked questions such as whether I had had a radon test done in my basement. “

The technicians who perform the personal analyzes bring items such as light bulbs and insulation, and replace and install anything needed during the visit. Those doing the virtual analyzes will be sent home free of charge materials that may be needed for improvement.

In addition to the items that Antaya replaced, premium upgrades are available for those who are 200 percent or below the federal poverty line, which according to the U.S. Department of Health or 80 percent of the Annual Median Income (AMI), which in Calhoun County was $ 49,055, according to the US Census Bureau.

These premium upgrades include items like new refrigerators, dehumidifiers, or air conditioners, says Donnelly.

“We carry out the initial assessment and if you are eligible for the premium upgrades, we will contact you and see if you are interested. If so, you will need to provide proof of income eligibility. Order a new refrigerator and set up delivery and installation. “

Donnelly says the energy analysis program is funded by an average fee of 30 cents that is part of the monthly bill that Consumers Energy customers receive.

“The whole point of this fundraising program is to help the community and the businesses and organizations in that community, and to help the community save money on their energy bills on an individual basis,” says Donnelly. “People get very hesitant when they hear the word ‘free’. But it’s something that every customer is already paying for. There is a small fee on your bill that goes straight to funding this program. “

“The program is completely free to anyone in Michigan who is a Consumers Energy customer,” says Donnelly. “Consumers Energy offers virtual and personal appointments to give tips on energy efficiency and energy reports at home that show customers their energy consumption and how they can save money. The aim is to reduce energy consumption. We have certain goals that we want to achieve as a company that uses energy. If we can help the customer in any way, we want to do that. “

Read more articles from Jane Simons.

Jane Simons is a freelance reporter and writer with over 20 years of experience and the owner of In so many words based in Battle Creek. She is the project editor for On the Ground Battle Creek.

ANALYSIS | Who In Well being Care Made Cash on COVID?

(Ravipat via Shutterstock)


Many COVID-19 heroes risk their lives or have died caring for others. We all owe great thanks to health care providers, scientists, public health professionals, and other frontline workers. But the health service was going well. Four of the 10 companies Those who have benefited most during the pandemic are in healthcare.

Pharmaceutical companies and their executives are the biggest COVID winners. Executives in the pharmaceutical industry could walk the federal government’s $ 22 billion COVID vaccine program, Operation Warp Speed, for being exempt from customary conflict of interest requirements. According to Nina Burleigh’s “Virus: Vaccinations, the CDC, and the Hijacking of America’s Response to the Pandemic” in Forbes, “Moderna and Pfizer executives cashed the vaccine and sold stocks that matched the clinical trial press releases.”

Pfizer’s pre-tax profit on his vaccine is estimated at $ 990 million. Unlike other companies, Pfizer doesn’t to take Federal funds to develop or manufacture the vaccine, but it received federal contracts for vaccine doses worth billions of dollars in taxpayers’ money. And Pfizer’s partner in vaccine development, BioNTech, received $ 445 million from the German government. Pfizer also received billions in private donations to develop and test the vaccine.

Pfizer isn’t the only pharmaceutical company that has benefited from this. In return for massive subsidies for Operation Warp Speed, Johnson & Johnson and AstraZeneca pledged not to benefit from their COVID vaccines during the pandemic. However, they didn’t need to share their vaccine knowledge at the taxpayers’ expense in order to help the public with the next pandemic. Both companies made huge profits during the pandemic, mostly from pharmaceuticals. Johnson & Johnson Net Income $ 6.2 billion in the first quarter of this year, up $ 400 million from the first quarter last year. AstraZenecas Operating profit was $ 1.9 billion for the first quarter of this year, roughly double last year. Moderna posted those from this company first quarterly Profit of $ 1.2 billion from its vaccine earlier this year.

Concerns at the start of the pandemic that insurers could be hit hard were misplaced. Insurers made big bucks in 2020 because providers canceled voting procedures at the start of the pandemic and consumers delayed routine supplies. For the first time in US history Health expenditure decreased in 2020. Because the Affordable Care Act limits the administration and profits of insurers, it is estimated that they must Return $ 2.14 billion this profits to consumers and payers. Insurers are expected to continue benefiting from COVID this year as federal policy changes in response to COVID and the effects of the recession, including higher enrollment on the exchanges and higher premium subsidies that apply to more people.

We won’t know until the fall of this year, but there are early signs that Connecticut hospitals and their major healthcare systems have also been spared financially last year. Connecticut hospitals received Over $ 1 billion in state and federal COVID relief funds. Unlike nursing homes and other health sectors Employment in the Connecticutut hospital has almost returned to pre-pandemic levels. US hospital expenses recovered to $ 60 billion in March this year, more than it did two years ago. COVID tests became a very profitable service for many hospitals.

Large health systems, mostly run by hospitals, are getting bigger Use of COVID aids buy more doctor’s offices. During this shift started in Connecticut before the pandemic, COVID has accelerated the trend. Find studies that this consolidation only increases prices and expenses without improving the quality of care. This COVID consequence could have lasting effects and accelerate rising healthcare costs in Connecticut far into the future.

COVID has been a terrible burden on frontline workers, vendors, and the economy, but it has been a boon to the healthcare industry.

Ellen Andrews, PhD, is the executive director of the CT project on health policy. Follow her on Twitter @CTHealthNotes.

The author’s views, opinions, positions, or strategies are solely his and do not necessarily reflect the views, opinions, or positions of CTNewsJunkie.com.

San Diego leaders calling for thorough evaluation of shifting cash, duties away from Police Division

As San Diego continues to oppose calls for massive police funding cuts, some city guides have begun pushing for a full analysis to see what functions of the police department could be revised or taken over by other agencies.

City councilors who advocate such an approach say it will likely result in much slower and more incremental change than what groups chanted slogans like “Defund the Police” after George Floyd passed away last year.

These council members claim that thoughtful analysis and targeted changes make more sense for San Diego than potentially tricky reforms.

“It can’t be healthy bites, it can’t be reducing and increasing it,” Councilor Joe LaCava said during a public hearing on Friday about police spending. “It has to be a more thoughtful approach.”

However, proponents of reform also say some modest changes could come this spring as part of the budget deliberations Mayor Todd Gloria recently proposed for the new fiscal year, which begins July 1.

“I really hope we can do a little more next month, dig a little deeper and have some really tough conversations about the right size police,” said Councilman Sean Elo-Rivera.

Gloria proposed an increase in annual police funding by $ 24 million from $ 568 million to $ 592 million.

In budget notes last winter, a majority of council members urged the mayor to consider such changes, especially if policing could be shifted to social services or groups focusing on homelessness.

“This priority is largely not taken into account in the proposed budget,” says the independent budget analyst. “Funding was not specifically reallocated, nor were the services the department provided to service providers outside of law enforcement.”

LaCava, Elo-Rivera, and councilor Monica Montgomery Steppe say city guides should take advice from Jack Schaeffer, president of the city’s police union, and investigate the matter thoroughly.

“If you want to re-imagine the department, it should contain a real and comprehensive plan,” Schaeffer told the council on Friday. “Otherwise, reimagining is a buzzword you use to defuse the department for a political purpose.”

Schaeffer warned that deep police cuts in other cities over the past year have led to an increase in crime. He also said reforms could cost more instead of less, suggesting additional money will be needed for training and community police.

“A real redesign requires investment in the department rather than cuts,” he said.

However, Schaeffer said the union generally supports the idea that the police should no longer be the first responder in many situations involving the homeless.

Elo-Rivera said this could be an opportunity by identifying a new outreach program, led by nonprofit people helping the homeless, as a potential model for the shift of homeless responsibilities from police to social services.

However, Elo-Rivera acknowledged that significant changes require thorough analysis.

“This will take a very, very long time,” said Elo-Rivera, warning reform advocates not to expect too much in this fiscal cycle.

Montgomery Steppe, the leading voice on the Police Reform Council as chairman of the Public Safety Committee, agreed that after careful analysis, the city should now make some small changes and major changes.

“There is definitely an ongoing need for our (police) department, but there is also a need for other types of investments in our communities,” she said, suggesting that neighborhood libraries, parks and other facilities reduce crime can. “We have to have the right conversation.”

Montgomery Steppe said the city’s police budget, which has increased by $ 214 million since 2011, is unsustainable in the long term and will eventually need to be cut by moving some functions to another location.

“I think we can do better,” she said.

The council’s comments came after dozens of speakers complained about racial differences in policing and recent spikes in violent crime. Many also advocated reducing police funding, but some said funding should stay the same or increase.

“It is the city council’s duty to make public safety a priority,” said resident Tammy Martin. “Our police are already underfunded, but they are doing their duty to protect us.”

Beverly McAlla agreed.

“Defusing the police is not the answer,” she said. “Adequate funding for the police to enforce quality of life crimes and fund mental health services programs and individuals should be budgeted for.”

But a large majority of speakers were in favor of cuts.

“The increase in the budget for the police leads to a militarization of the armed forces, which perpetuates further violence,” said Veronica Philipsborn.

“Research shows that reducing police engagement with citizens actually makes our communities safer,” said Lt. Col. David Gapp, retired. “Spend this money on volunteer teams, especially emergency mental health teams that are needed to care for the mentally ill in San Diego.”

Will Apple Arcade’s large additions broaden gaming providers’ enchantment? [analysis] | Leisure

Apple Arcade has significantly expanded its offering. The evolving service added more than 30 games in early April, and the offerings feature strong gamers that will be sure to grab core gamers’ attention.

It’s a remarkable mix of mobile classics like Monument Valley and established blockbusters like NBA 2K21 Arcade Edition. The company even added titles based on timeless pastimes like chess and crossword puzzles. The diverse portfolio caters to a wide audience and makes the subscription service a tempting offer for $ 4.99 per month. It also begs the question: if Apple builds it, will players come?

A wide range

The new additions are a sign that Apple is providing a wider network for the service. An older generation may like the idea of ​​the Timeless Classics category. Think of it as the service version of Nintendo’s surprisingly great Clubhouse Games: 51 Worldwide Classics. Virtual versions of backgammon, crossword puzzles and solitaire are created.

The versions of these games are made by third-party developers, but some offerings have some twists on the classics. For example, Zach Gage’s Really Bad Chess turns the concept of towers, knights and queens on its head by creating an imbalance.

“People are fascinated by chess, but the impeccable fairness turns people off,” said Gage. “It’s the idea of ​​fairness. We want the rules of the game to be fair. “

But what makes the drama of the game is injustice. He mentioned the idea of ​​outsiders and David and Goliath.

“We like it better when there is injustice,” said Gage.

To create more interesting scenarios in Really Bad Chess, Gage creates boards on which you have four queens and four knights and your opponent has a number of pawns. He mixes up the pieces. At first, players have an overpowering hand, but as players improve in the game, it becomes more difficult when the board leans against them.

“It’s sacrilegious but feels like playing it,” he said.

Old favorites are returning

A second group of people the service applies to may have grown up watching mobile games or becoming gaming fans since the App Store opened in 2008. These are people who love “Angry Birds” or “Crossy Road”. For this audience, Apple Arcade created another category called App Store Greats.

The offers here have a distinct feeling. These are games designed for cell phones that take advantage of iPhone and iPad touch screens. That means they’re easy to learn and play, while they’re great for bite-sized fun. Players don’t have to block an afternoon to play them. The levels are short and the experience is good enough to make your way home on the train quick.

The App Store sizes include “Threes!” The original number slider game is addicting and the type of puzzle game that players can master for hours. Meanwhile, Fruit Ninja Classic was one of the games that demonstrated the potential of the touchscreen interface of the iPhone and made a game easy to learn by slicing melons with your finger like a ninja.

Although these games were hits, Monument Valley is the instantly recognizable title and one of the defining projects on the platform. It’s been downloaded 73 million times and comes with all the bells and whistles on Apple Arcade.

This is one of the advantages of subscription services. There are no ads or additional charges. What the players get is a complete experience with no other conditions. For Monument Valley, this means that it has content that can be downloaded from Apple Arcade, such as Ida’s Dream and Forgotten Shores.

This approach to gaming is almost a throwback to the old console days. Before titles could be patched if something was wrong with them, they were released in full on disc and tapes. Players didn’t have to worry about purchasing expansion packs to play with their friends or continue the story. The game came in a box, it worked, and players enjoyed a finished experience.

Shoutout to the core games

This type of approach will appeal to core and long-term gamers that Apple Arcade is touting with its Apple Originals. It’s not a new category in the service per se, but it does reload with a number of titles that will appeal to that crowd.

Platinum Games, the makers of hits like “Bayonetta” and “NieR: Automata”, released “World of Demons”. It looks like the cult favorite “Okami” and that shouldn’t come as a surprise given that the game’s director Hideki Kamiya was a co-founder of the studio. “Demons” has a console feel with its fast twitch button-mashing sword fight, but has mobile elements like the bite-sized confrontations and levels. Best of all, it works with a controller to make the console feel to be on mobile devices.

For older players, “The Oregon Trail” can be a good afternoon break. The graphics and some game mechanics have been redesigned, but it’s essentially the same game fans played on the Apple II computer. Gamers will appreciate the beautiful graphics that are light years ahead of the green and black images they saw in childhood.

Final Fantasy fans should check out Mistwalker’s Fantasian. It’s an RPG that reunites series creator Hironobu Sakaguchi and composer Nobuo Uematsu. The special thing about this role-playing game is that the scenery is created using real dioramas over which the characters are placed. It’s an unusual mix of practical and computer-generated effects that together tell a fascinating story with combat mechanics.

While all of these games will spark the interest of core gamers, NBA 2K21 Arcade Edition is the game that may find the largest audience. Either way, this is a full version of the core game. It has all the NBA teams, multiplayer and MyCareer. It works with a controller or touchscreen controls.

Parts of the game like MyCareer are a bit reduced. It still has the feel of a basketball RPG, but the story is told through voice narration instead of cutscenes.

It is noteworthy that as an Apple Arcade game, there are no microtransactions. That’s something that the console versions are packed with. This makes the Apple Arcade game feel like a purer version of the experience. Players simply tap the game’s icon and play without worrying about extra cash. VC is still in the game, but it is awarded like normal points that help improve a character. Players no longer pay money to power up their avatar. Instead, it does this through normal campaign play.

Regarding the online modes, Tyler Nation, Vice President and Head of Mobile at 2K, said Visual Concepts tried to make matchmaking fair by playing players on controllers versus players on controllers and players on Macs versus players on Macs. Online play is a major attraction of the franchise.

All of these additions provide Apple Arcade with a list of 180+ games. It’s a catalog that is more attractive than before and is part of a bigger trend. Gaming companies like Microsoft are investing in their own subscription services, buying studios and making offers for this content. It’s part of a process that will make the gaming scene look more like Netflix in five years.

Evaluation: NFL 11-season broadcast offers are groundbreaking | Leisure

The billions of dollars the NFL will receive from its broadcast partners over the next twelve years seem like Monopoly money to fans.

On the other hand, without this elixir of life, the NFL probably wouldn’t dominate as America’s most popular sport.

Yes, the numbers are staggering, almost like ABC / ESPN, NBC, CBS, Fox, and Amazon telling the league, “We’re buying Boardwalk, Park Place – and everything else on the board.”

Even more amazing to believe that everyone involved struggled financially during the coronavirus pandemic.

However, the NFL has negotiated 11-season deals – the league has an opt-out after seven years – that will gross $ 113 billion from 2023. The contracts include a streaming service that will be treated almost equally as Amazon Prime Video will “be the home of.” Thursday night football. “

“The NFL was able to pull in the digital and streaming components of each broadcaster so they could build on it while maintaining traditional wireless television regulations,” said Marc Ganis, co-founder and confidante of Chicago-based advisory group Sportscorp many NFL owners. “It’s a brilliant strategy. It serves the needs of broadcasters and their parent companies as they put more money and more emphasis on streaming for younger audiences.

“With these agreements, the NFL struck the balance between linear cable and streaming that the other sports had to find.”

These contracts, which nearly double annual broadcast revenues, were signed in five years.

NFL commissioner Roger Goodell worked with Patriot owner Robert Kraft, chairman of the league’s media committee, and Brian Rolapp, the league’s chief media and business officer, to develop a strategy after signing a deal with Yahoo! stream some games.

It really was a test of that market, and the information gathered over half a decade prepared the NFL for the culmination of the rights fee contract in 2021.

The Thursday evening package became a testing ground that led to the Amazon package. Amazon was hardly the only bidder for this package, and the NFL could have stayed with a wireless partner like Fox, which currently offers Thursday night games, or turned to a cable company.

But streaming was an option too tempting.

“We’ve started migrating to streaming over the past five years, which is another big step in that direction,” said Kraft. “Our fans want this option and understand that streaming is the future. We have created a unique mix of viewing options and streaming. This should allow a smooth transition into the future of content distribution.”

Ah, the future. Who knows what lies ahead when new media evolve and expand? History tells us that the NFL will likely figure it out, as it did when it got into cable television, then helped launch Fox, then brought an out-of-market package of Sunday afternoon matchups to DirecTV of the satellite and then put each contest available on the satellite’s SiriusXM radio.

The most important step today is clearly streaming, with all broadcast partners including such services in their NFL programming.

“The pandemic has had a significant impact on a lot of things,” notes Ganis, “and one of them is the meteoric surge in streaming. I assume we would have seen the same deals if we hadn’t had the pandemic, but maybe not like this. ” The parent companies put a lot of emphasis on any streaming rights they could get.

“Broadcasters and their companies can now apply a significant portion of their rights fees to their streaming services.”

What does this all mean for Cheeseheads, Who Dats and Raider Nation and 29 other fan bases?

For one, more options for viewing. Second, better matchups in prime time when ESPN is flexing late in the schedule.

If the NFL goes into the 17-game regular season – almost certainly for 2021 – the Super Bowl will be pushed back a week in February. That will bring it to Presidents Weekend in a few years.

But there is also a sense of comfort that emanates from these treaties.

“There are several takeaways from these deals,” says Ganis. “One of them, to paraphrase Mark Twain, is that the death of linear television is grossly exaggerated. To have the Sunday package on regular TV over radio and cable as the basis of the deal as well, even if it may be mature and business in decline it’s still a massive one.

“After years of experimentation, the NFL struck a balance that will work for all parties in 2021.”]

International Cellular Cash Market Might See a Large Transfer: Future Enterprise Scope, Funding Evaluation and Forecasts Till 2028 – KSU

Global Mobile money Market Research Report 2020-2028

COVID-19 can affect the global economy in three ways: by directly affecting production and demand, by creating supply chain and market disruptions, and by having a financial impact on businesses and financial markets. Global mobile money market size has covered and analyzed the potential of the global market industry and provides statistics and information on market dynamics, market analysis, growth factors, key challenges, main drivers and restraints, opportunities and forecasts. This report offers a comprehensive overview, market shares and growth opportunities of the market 2028 by product type, application, key manufacturers, as well as key regions and countries.

The recently published report by Market Research Inc. titled as Global Mobile money market is a detailed analogy that gives the reader an insight into the intricacies of the various elements such as the rate of growth and the impact of socio-economic conditions that affect the market. An in-depth study of these many components is essential as all of these aspects must fit together seamlessly for companies to be successful in this industry.

Get your sample report from the link provided:


The research report contains the top seller profiles of the competitors with their data, revenue, revenue share, business volume and buyer volume equally given. The conclusions contained in this report are of great value to the leading players in the industry. In this report, each organization involved in the global production of Mobile Money products has been mentioned to investigate the findings on low cost manufacturing methods, competitive conditions and new uses. The report is based on tracking the market performance since 2015 and is one of the most detailed reports.

List of major players in this Market:

WeChat Pay (China), Alipay (China), PayPal (USA), Apple Pay (USA), Samsung Pay (South Korea), Amazon Pay (USA), Chase Pay (USA), Google Pay (USA), Vodafone Group PLC ( USA), MasterCard (USA)

Global Mobile money market segmentation:

Based on type

  • Money transfer and payments
  • Travel and ticketing
  • Airtime transfer and top-ups
  • Goods and vouchers
  • Digital products

Based on the application

  • Hospitality & Tourism
  • IT & telecommunications
  • BFSI
  • Media & entertainment

Based on the region

  • North America
  • Europe
  • China
  • Japan
  • South East Asia
  • India

Get Discount On The Report:


Reasons Why You Should Buy This Report

This report provides a pinpoint analysis of changing competitive dynamics

  • It offers a forward-looking perspective on various factors that drive or inhibit market growth.
  • It includes a six-year forecast that is assessed based on expected market growth.
  • It helps in understanding the key product segments and their future.
  • It offers a precise analysis of the changing competitive dynamics and keeps you ahead of the competition.
  • It helps in making informed business decisions by providing complete insights into the market and analyzing market segments in depth.

This research study examines the current market trends in terms of demand, supply, and sales in addition to recent developments. Important factors, constraints, and opportunities were addressed to get a complete picture of the market. The analysis contains detailed information on developments, trends and industry guidelines and regulations that have been implemented in each geographic region. In addition, the general regulatory framework of the market has been comprehensively covered to provide stakeholders with a better understanding of the key factors influencing the overall market environment.

For inquiries / customization reports?


Table of Contents:

  1. Overview of the mobile money market
  2. Impact on the mobile money market industry
  3. Mobile money market competition
  4. Mobile money market production, sales by region
  5. Mobile money market supply, consumption, export and import by region
  6. Mobile money market production, turnover, price development by type
  7. Mobile money market analysis by application
  8. Analysis of manufacturing costs for the mobile money market
  9. Internal chain, sourcing strategy and downstream buyers
  10. Marketing strategy analysis, distributors / dealers
  11. Analysis of the market effect factors
  12. Mobile money market forecast (2020-2028)
  13. appendix

about us

Market Research Inc is far-sighted in his view and covers a massive area of ​​global research. We are closely monitoring both markets locally or globally. Trends and simultaneous evaluations sometimes overlap and influence each other. When we talk about market intelligence, we mean deep and well-informed insight into your products, your market, your marketing, your competitors and your customers. Research firms are leading the way in promoting global thought leadership. With our informed approach, we help your product / service get the most out of them.

Contact us

Market Research Inc.

Author: Kevin

US address: 51 Yerba Buena Lane, Ground Suite,

Inner Sunset San Francisco, CA 94103, USA

Give us a call: +1 (628) 225-1818

write us:: sales@marketresearchinc.com