Warm weather is here, and the boats, jet skis, and paddleboards are coming out of storage. Whether you’re taking the family out on the lake, towing the kids on a tube, or finally launching that jet ski you bought over the winter, summer on the water is one of the best parts of the year.

It pays to spend a few minutes making sure you’re protected before you go, because the water is also where things go wrong. The most recent data from the U.S. Coast Guard counted 3,887 boating accidents in 2024 that led to 556 deaths, 2,170 injuries, and $88 million in property damage. The real number is probably higher, since smaller accidents often go unreported.

Your home insurance barely covers your boat. It might help with a small boat or a paddleboard while it’s sitting in your garage, but only up to a small dollar amount. The moment you put it in the water, you’re mostly on your own. If you own anything bigger than a kayak, and especially if you own a jet ski, you’ll need a separate boat policy to be truly protected.

Insure.com explains how homeowners and boat insurance work together to protect boats, jet skis, and other gear on the water.

Are boats covered by homeowners insurance?

Homeowners insurance does cover boats and watercraft, but only small or nonmotorized ones, only while they’re on your property, and only up to about $1,000 to $1,500. Once you get into bigger boats, faster boats, most jet skis, or anything that goes wrong out on the water, you’re generally not covered.

“Homeowners covers watercraft to some extent for fire, theft and those types of things,” says Erica Ostrander, vice president of markets and franchise success at We Insure.

Liability is the bigger blind spot. Typically, you won’t have liability coverage for your watercraft through your home insurance, or if you do, it will be limited and won’t cover larger boats. So if someone gets hurt on your boat or you bang up another vessel, you could be stuck paying for it yourself — the kind of bill a real boat policy would have handled.

What boats does a homeowners policy typically cover?

A homeowners policy typically covers smaller boats and nonmotorized watercraft as personal property, meaning they’re protected the same way your furniture or bike would be. The usual qualifiers are:

• Boats up to 25 feet in length
• Watercraft with outboard motors up to 25 horsepower or inboard motors up to 50 horsepower
• Paddleboards
• Kayaks
• Canoes
• Other nonmotorized watercraft, like rowboats and small sailboats

Even when your watercraft makes the list, the protection is thin. Coverage is usually capped at an amount that may not come close to replacing a paddleboard or a small sailboat. And while you’re protected against fire and theft, the on-wate

Most enterprise accounts payable (AP) teams have already automated parts of their invoice workflow, but the manual work that remains is rarely obvious until close week. The problem is that most automation covers the easy invoices. The messier ones, which are precisely where automation would deliver the most value, are still landing in human queues. When enterprise teams are already understaffed, this compounds into downstream delays, missed early-payment discounts, and close cycles that drag longer than they should.

For CFOs, controllers, and AP directors, optimizing the accounts payable process is a strategic priority. The harder work is designing an operating model and choosing tools that can handle the volume, complexity, and control requirements of enterprise finance. That tension is what this article is designed to help resolve.

Get it right, and the payoff extends well past AP. Controllers get real-time liability visibility instead of a month-end close reconciliation sprint, and the finance team’s time shifts toward work that actually requires their judgment. This Brex article covers what enterprise invoice automation involves at scale, what separates enterprise-grade vendors from midmarket tools, and how to structure an implementation that delivers.

What is enterprise invoice automation?

Enterprise invoice automation is software-driven management of the invoice-to-pay lifecycle at the volume, complexity, and control level that large finance teams actually work with. For enterprise teams, the software you choose shapes how your accounts payable function runs across entities, currencies, and enterprise resource planning (ERP) systems.

At that scale, enterprise solutions are built to handle multi-entity structures, fragmented ERP environments, complex approval hierarchies, and compliance requirements like Sarbanes-Oxley (SOX), without manual workarounds at each layer.

How enterprise automation differs from midmarket AP tools

Enterprise constraints and requirements demand a different operating model than what midmarket AP tools can offer. Simpler tools can only handle capture and approval for a single entity with standard payment terms. Enterprise invoice processing should support multi-entity consolidation, multicurrency settlement, multiple ERP instances, complex delegation of authority, and audit trails. The difference comes down to how the software handles legal entity separation, operating unit structures, consolidation rules, and governance layers. Depth in those areas is where many midmarket tools start to break down, which means enterprise teams need to evaluate depth, not just ease of use.

Why it matters to finance-leader metrics

The impact of choosing the wrong architecture can show up directly in finance metrics. Design choices affect days payable outstanding (DPO), days-to-close, early payment discount capture, late fee avoidance, and fraud reduction. Slow invoice processing puts ven

Egor Knyazev was a 16-year-old in southern Ukraine who wanted to improve his looks, his height, and his health. And he wanted to become famous on the internet, famous enough to make money.

Those desires soon led him to another quest: Ccolostrum.

Inspired by popular “healthmaxxing” and “looksmaxxing” social media influencers, many American and some European, Knyazev befriended a local farmer on Facebook Marketplace who lives about 50 miles (80 kilometers) outside Odessa. Surprised and bemused, he agreed to sell Knyazev some of the salty, thick drink some call “liquid gold.” It’s the first form of milk produced by a mammal, in this case, a cow — and increasingly also a rare and expensive ingredient pursued by the fitness-obsessed and health-conscious.

Sure enough, Knyazev, now 18, tells Sentient the video he made about colostrum “blew up” his Instagram page, where he goes by @smartbones21, gaining him about 600 followers (he has about 2,100 now). It got by far some of the most views of any of his videos: 186,000, per Instagram’s count.

But he hasn’t been able to find colostrum since. His local farmer’s cows won’t give birth again for another year, and convinced the raw form is the best, he doesn’t want to take the powder or capsule forms that have become popular enough to end up on mainstream store shelves. A small jar at Target, Amazon, or Costco can run buyers in the U.S. anywhere from $15 to $100, depending on the brand. The colostrum that ends up on shelves can only be sourced from dairy farmers who have a surplus; farmers have to ensure their own baby animals have enough, because it’s essential for calves’ health. In other words, there’s a finite amount of this trendy substance for the colostrum-curious.

Knyazev fears the competition for colostrum will only grow more fierce. “The amount of animals that are giving birth will not increase, but not only that, I think that because more people are trying to buy it, it will be not in stock and preordered more,” he says.

A shortage in rural Saskatchewan, Canada, this past spring illustrated the growing demand among both livestock producers and consumers. Celebrities have promoted the product as part of a wellness regimen. A university medical researcher in Nebraska wants to study its possible applications for neurodegenerative diseases like Alzheimer’s and Parkinson’s. One Amish producer who doesn’t use the internet is even bringing on someone to help with social media.

Colostrum supplement sales have jumped 3,000% in the last two years, according to a February Bloomberg article citing NielsenIQ data. But unlike other dairy-based trends like cottage cheese or whey protein powder, it’s harder to just ramp up production, because colostrum is so unique: It only gets produced at a specific time, after mother cows give birth, and so far, research on synthetic colostrum is in such early stages that nearly all companies on the market today source from animals. And that raises questions about how exactly the industry plans to grow.

That might mean, like Knyazev suggests, that it gets more expensive. But it might also create new ethical dilemmas in a landscape o

Prospective college students used to begin with a search engine and a list of links. Many now begin with a question typed into ChatGPT or Claude, and an answer that may never send them to a university website at all.

The shift is no longer just a forecast. A Pew Research Center survey released in June 2026 found that 60% of U.S. adults say they have read AI-generated summaries at the top of search results, while 42% use AI chatbots to search for information.

For higher education, that shift is already showing up in learner behavior. A 2025 UPCEA and Search Influence study of prospective adult learners interested in online and continuing education found that nearly half use AI-powered tools like ChatGPT and Gemini weekly and that 79% read Google AI Overviews. More than half of prospective students surveyed said they are more likely to trust brands cited in AI Overviews.

The implication, as the education technology company 2U laid out in a March article on AI and program discovery, is that visibility no longer depends mainly on where a program ranks in Google. It depends on how AI systems source, interpret, and present information about that program.

How AI is changing student discovery

Online higher-ed program marketing was, for years, a fairly settled discipline. The work centered on earning strong organic rankings and converting that visibility on a well-built program website, with paid placements filling the gaps. Because prospective students did their research online before applying, search visibility was the foundation that the rest of the funnel rested on.

That sequence is breaking down. Prospective students now meet AI-generated summaries early in their research, and those summaries pull in rankings, salary data, and community discussion from forums like Reddit. A learner’s impression of a program can form long before they visit its page or click an ad.

The shift is prompting some higher-ed providers to rethink how programs are surfaced and compared. Rather than optimizing for clicks, some institutions are investing in how their programs appear inside AI-generated answers, treating visibility within a chatbot response as the new threshold for discovery.

Higher-ed programs increasingly compete for citations and credibility inside AI answers rather than for clicks, a different test than ranking a page of links. A June 2026 SparkToro analysis of Similarweb clickstream data found that 68.01% of U.S. Google searches in the first four months of 2026 ended without a click.

What the early AI search data suggests

Hard numbers on AI-driven program discovery are still scarce, but much of what exists comes from the companies building for it. 2U, for its part, reports that partner programs adopting AI-discovery practices have seen their mentions in AI-generated summaries double, and that traffic arriving from ChatGPT has c

An IPO is the first public sale of a company’s stock. Individual investors may be able to buy IPO shares either through an eligible brokerage or on the public market after trading begins. However, access is often limited, and you may not be guaranteed shares, Wealth Enhancement explains. Additionally, given the nature of these sales, the initial stock price can be volatile.

What Is an IPO?

An IPO — short for initial public offering — is when a private company publicly sells its shares for the first time through a registered offering. Before an IPO, ownership of company stock is generally limited to founders, employees, and private investors such as venture capital firms.

Companies go public for multiple reasons, including raising additional capital, creating a liquidity event for founders and early investors, and boosting a company’s reputation and brand credibility.

IPO shares are sold on the primary market by underwriters on behalf of the company. After that initial listing, they usually trade on a stock exchange such as the Nasdaq or the New York Stock Exchange (NYSE).

Access to IPO shares doesn’t guarantee a winning investment. An IPO can be an inherently volatile time for a company. According to the Securities and Exchange Commission, IPOs should be treated as speculative investments rather than sure things.

How IPOs Work

The process of preparing for an IPO begins long before the first public share of stock is actually sold. Many companies spend one to two years preparing for their IPO.

1. The Company Prepares to Go Public

During the early IPO process, a company will assemble its team of legal, financial, and underwriting professionals. It will tighten up its finances and financial reporting, do internal audits, and build up its internal processes to meet regulatory standards.

2. The Company Files a Prospectus

Before a company can sell shares publicly, it must register with the SEC. The process begins with the company filing its prospectus, which is an important document that includes a company’s:

• Business model
• Management team
• Financial statements
• Risk factors
• Use of proceeds
• Share structure and ownership
• Lockup terms
• IPO terms

The prospectus is part of the company’s S-1 filing, the comprehensive registration document it files before going public. The prospectus is designed to relay important information to investors and help them decide whether to buy stock. When you’re evaluating an IPO stock, the prospectus should be the core research document you refer to.

3. Underwriters Help Price and Distribute Shares

When a company decides