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From Netflix’s Warner Bros takeover to Disney’s AI partnership with OpenAI, major platforms are signaling a shift away from growth at all costs and toward tighter control over distribution and access. As consolidation, regulation and automation reshape digital power, professionals who understand where leverage lives — and how quickly it can move — will be better positioned to adapt.

Popular with first-time homebuyers, FHA loans have higher delinquency rates, and borrowers are more likely to end up underwater or in foreclosure when home prices fall.

If your database feels cold or your emails aren’t converting, try one or more of these five strategy shifts from Josh Ries. The results might surprise you.