Tag Archives: with


Cryptocurrencies like Bitcoin are highly speculative investments and come with greater risks than traditional investments like stocks, bonds, and real estate. Some of the major risks include:

Volatility Risk: The valuation of cryptocurrencies is not tied to any economic indicators and is only determined by market demand which tends to be highly volatile. This makes the value of holdings in crypto vulnerable to large swings on any given day or hour. Between 2017 and 2018, the total market capitalization of all cryptocurrencies fell from $830 billion to just $120 billion, a drop of over 85%. Such volatility means the value of holdings can crash significantly in a very short period.

Liquidity Risk: Compared to traditional assets, cryptocurrency markets lack liquidity. This means that during times of high volatility or low demand, it may be difficult to sell cryptocurrency holdings at reasonable prices. Low liquidity combined with high volatility can result in amplification of losses during downturns as sellers flood the markets looking to exit positions.

Bubble Risk: There is a persistent debate around whether the huge increases in cryptocurrency prices, particularly during 2017, represented an unsustainable bubble. Given the high speculation in the asset class and lack of economic fundamentals tied to valuation, there is a risk that cryptocurrency mania could repeat itself and result in another crash that wipes out significant value.

Fraud and Hack Risk: Cryptocurrency exchanges and wallets, which are needed to buy, sell and hold cryptocurrency, have been frequent targets of hacks and theft. Millions of dollars in digital currencies have been stolen by hacking exchanges and exploiting technical loopholes. There have also been instances of exchanges and Initial Coin Offering (ICO) projects turning out to be fraudulent. Such operational and security risks translate to potential losses of holdings for investors.

Regulatory Risk: As global financial regulators are still assessing how to classify cryptocurrencies and what regulatory framework to apply, there is uncertainty around evolving rules. Tighter regulations could limit participation and ease of conversion between crypto and fiat currencies. Contradictory regulatory stances across countries could also undermine the fungibility of digital assets. Changes in rules can impact value and market viability of certain cryptocurrencies.

Acceptance Risk: For cryptocurrencies to be adopted as a long term store of value and medium of exchange, they need to gain significant merchant and consumer acceptance. Their usage for “real economy” transactions remains limited. If major corporations, merchants, and governments show lack of interest in accepting crypto payments over time, it brings into question the long term usability and valuation proposition of these digital assets.

Technology Risk: The algorithms, protocols and software governing cryptocurrencies have not been stress tested over long periods by large scale mainstream usage. Potential bugs, security holes or technical limitations that are discovered in the future could undermine confidence in networks and result in forks or other problems affecting value of holdings.

Tax Risk: Tax laws governing profits or losses from buying and selling cryptocurrencies continue to evolve in most jurisdictions. Depending on individual country rules and the investor’s local tax laws, any gains realized from crypto investments could be treated differently than traditional assets for tax purposes, which creates uncertainty. Tax compliance on crypto transactions also poses challenges for individuals and regulators.

Competing Crypto Risk: The cryptocurrency space remains innovative, with new digital currency projects emerging regularly that aim to improve upon earlier blockchains or offer different value propositions. Older cryptocurrencies run the risk of losing market share to newer entrants over time if they fail to develop or scale sufficiently. Investments in any single crypto hold the risk of superior technology making that particular asset obsolete or less competitive.

Lack of Intrinsic Value: Unlike stocks which hold claims on real assets of publicly traded companies, or fiats which are backstopped by governments, cryptocurrencies have no intrinsic value of their own. Their worth depends entirely on self-fulfilling speculative demand without tangible assets or cash flows backing them up. This abstraction makes cryptos vulnerable if market sentiment shifts drastically away from them.

Cryptocurrencies represent highly speculative and volatile investments that carry unique and significant risks compared to traditional assets. Their long-term acceptance and viability remains uncertain due to technological, regulatory and competitive challenges. All these factors make cryptos risky proportionate bets that could result in complete loss of capital for investors. Only active traders with solid risk management and investors with strong risk tolerance should consider crypto exposure as part of a well-diversified portfolio.


The tech industry, academic institutions, and government agencies all have an important role to play in promoting diversity and inclusion. By collaborating strategically across sectors, they can help create meaningful, long-lasting change.

At the academic level, universities must make computer science and engineering education more accessible and welcoming to people from all backgrounds from a young age. Outreach programs that introduce K-12 students to coding and expose them to career opportunities in tech can start shaping perspectives and interest early on. Universities should also evaluate their own recruitment, admission, student support, and classroom dynamics to identify and address any barriers disproportionately impacting women and minority groups. Building a more diverse student body is key to forming a more diverse future tech workforce.

Tech companies can partner with universities on initiatives like summer coding camps, mentorship programs, scholarships, and internship opportunities to get underrepresented groups interested and involved in STEM fields from an early stage. They can also provide input and guidance to universities on curriculum and skills development to ensure computer science programs are training students with the actual skills needed in industry. Companies can commit to diverse intern and entry-level hiring pipelines by actively recruiting from programs focused on getting more women and minorities into tech.

At the government level, agencies like the National Science Foundation and National Institutes of Health can support research and programs focused on issues surrounding diversity and inclusion in STEM. They can fund studies to better understand barriers as well as evaluate what types of interventions are most effective. Increased research funding can incentivize universities to pursue important work in this area. Government agencies are also well positioned to collect and publish workforce diversity data across different organizations, which can help benchmark progress and shed light on best practices.

Tech companies, in turn, should be transparent about publicly reporting their own diversity statistics annually so their efforts and challenges are clear. While numbers alone do not capture the full picture, data transparency builds accountability. It also enables useful comparisons across firms, projects, roles, and regions to pinpoint specific issues requiring more targeted actions. Government agencies can work with companies to develop standard reporting guidelines and templates to facilitate data collection and analysis.

Governments at the city, state, and national level are also well positioned to implement K-12 education policies aimed at improving access to computer science, ensuring curricula reflect diverse populations, and addressing equity issues that may negatively impact underrepresented groups. They can provide funding to support these initiatives. Government policies can additionally promote workplace diversity through measures like target-based hiring incentives or mandate transparency into company diversity reporting and non-discrimination policies.

Beyond educational and policy interventions, the tech industry, universities, and government agencies all have a responsibility to culturally transform internal norms, practices, and environments in a way that’s intentionally inclusive and supportive of diverse talents. For tech companies, this means examining hiring biases, lack of promotion opportunities, unequal pay, exclusionary workplace cultures, and more. Conducting anonymous employee surveys, implementing unconscious bias trainings, setting senior leadership diversity goals, and piloting affinity groups or employee resource groups are some proactive steps companies can take.

Academic institutions similarly need to confront issues around subtle biases in faculty or mentorship, lack of representation among role models like deans or department chairs, unequal access to networking opportunities, and fraternity-like climates within certain disciplines or programs. Implementing systematic reviews of tenure and promotion processes, diversifying speakers brought to campus, and focusing conference attendance on underrepresented groups can help address institutional weaknesses.

Government agencies also need to scrutinize internal hiring, leadership, budgets, programs, and public-facing materials through an equity lens. For example, leveraging diverse review boards for grants and proposals, rotating public engagement events across geographical areas, and standardizing inclusion practices can make government more accessible and representative.

No single organization holds all the answers or bears full responsibility. Meaningful change requires a spirit of collaboration, continuous improvement, and shared accountability across sectors. By working together through complementary initiatives, the tech industry, academia, and government have tremendous collective potential to transform our education systems, workforces, and cultures into ones that cultivate, advance and fully utilize all of our diverse talents. Coordinated, long-term efforts will be needed to overcome deep-rooted challenges, but incremental progress through partnership can help move us closer to a future of greater equity and inclusion in STEM fields.


Disneyland has a long history of creative partnerships with other leading brands to enhance the theme park experience and promote mutual marketing opportunities. Some of Disneyland’s most high-profile corporate alliances have generated significant benefits for both companies through shared intellectual property, product integration, collaborative campaigns, and more.

One of Disney’s longest-running partnerships has been with Coca-Cola. Coca-Cola has had an exclusive beverage contract with Disney Parks for decades, making it the only cola available for purchase within the parks. In return, Disney Parks allow Coca-Cola to promote its brand throughout the resorts with signage, pouring/tap handles in quick service locations, and integration into park media like fireworks shows. Coca-Cola branding is also featured prominently at Disney Springs outside the Disney World parks. This partnership offers Coke ubiquitous visibility to its captive Disney Parks audience in exchange for lucrative sponsorship dollars.

Another notable partnership is Disneyland’s alliance with McDonald’s. The in-park McDonald’s locations prominently feature classic Disney characters on packaging, cups, signs, and more. McDonald’s kids’ meals also regularly offer Disney toy tie-ins. For its part, Disney benefits from McDonald’s support of major park experiences like fireworks and parades. Their shared branding further aligns the family-focused images of both companies. Like Coke, McDonald’s visibility throughout the Disney Parks allows it to reach guests where they spend much of their time.

Starbucks has also partnered closely with Disney Parks in recent years. Within Disney World and Disneyland, Starbucks outlets can be found and feature exclusive Disney-themed drinks, mugs, and merchandising similar to the McDonald’s partnership. Custom blended park-only Starbucks beverages help generate buzz. Additionally, Disney and Starbucks have collaborated on co-branded products sold outside the parks through retail partnerships. Their alliance affords Starbucks a high-profile presence where families gather as well as promotional opportunities beyond the parks themselves.

Disney has also struck lucrative deals with major hotel brands like Disney’s Paradise Pier Hotel (a Disneyland Resort hotel managed by Disney but themed after the defunct Paradise Pier area of Disney California Adventure park) and Disney’s Caribbean Beach Resort (located at Walt Disney World Resort in Florida). These hotels operate under the Disney banner but are owned and managed by hotel chains like Hilton or Hyatt. They allow Disney to significantly expand its available guest rooms without major capital outlays. The hotel brands in turn receive Disney’s promotional machine behind them as well as integration into the Disney travel ecosystem like booking sites and vacation packages.

Another notable partnership was Disney’s multi-year alliance with American Airlines. American provided significant ad support for Disney films and resort promotions in exchange for branding placements within the parks themselves. American logos, check-in counters, and boarding pass distribution points populated Disney transportation hubs. The airline also offered special Disney-themed flight amenities and vacation packages. This union afforded both sides valuable advertising before ultimately ending in 2021 when American’s marketing budget was reduced during the pandemic.

Turning to product tie-ins, few deals have been as wide-reaching as Disney’s alliance with McDonald’s, with Happy Meal toys accompanying every major Disney and Pixar film release. Mattel has also had a global umbrella licensing agreement with Disney since 2014 to produce toys for Disney, Pixar and Marvel properties across action figures, dolls, playsets and more. These lucrative product integration partnerships align Disney intellectual property with family brands while driving kids (and their parents) to purchase tied merchandise across retail settings from stores to the parks themselves.

Within the parks, long-time sponsor GEICO maintains a prominent booth presence where guests can visit for discounts, activities and character photo opportunities. Pandora Jewelry has agreements for shop placements in Disney Springs specifically while other local sponsors like Edwards Theatres support Disney event programming. The NBA Experience, an interactive basketball-themed attraction located at Disney Springs, celebrates Disney’s deal with the NBA where league branding and highlights feature strongly.

To summarize, Disneylands’ corporate partnerships over decades have strategically integrated sponsors within the parks themselves as well as through collaborative campaigns, products, and promotions extending well beyond the gates. These alliances are an essential part of the Disney business model, driving new revenues while building even stronger ties between Disney properties and beloved family brands. They exemplify how creative business relationships can be mutually beneficial when each side understands the distinct value their respective audiences bring to the partnership experience.


Capstone projects are culminating experiences for college students, typically taking place in the final year of undergraduate study, that allow students to demonstrate their proficiency in their major field of study by applying what they have learned to real-world problems. Effective capstone projects integrate academic theories and frameworks with practical applications by having students work on substantial projects that address authentic needs.

For example, a student majoring in computer science may undertake a capstone project to develop software to address a problem or meet a need identified by a nonprofit organization or small business in the local community. The student would apply theories and technical skills learned throughout their coursework, such as algorithms, programming languages, software engineering best practices, and human-computer interaction design, to develop a custom software application to meet the specific needs of the client organization. In the process, the student gains experience scoping a real client problem, designing and implementing a technical solution within constraints like budgets and timelines, testing and refining the application based on user feedback, and delivering a working software product.

By taking on a substantial project with an external partner, the capstone experience allows students to authentically practice skills like project management, communication, and problem-solving with clients—skills not always developed through traditional course assignments. Working directly with an organization also gives the project authentic parameters and stakes. The client depends on the student to resolve their technology challenge, which mirrors real-world work and motivates the student to fully apply their learning. If successful, the completed project also provides tangible value to the partner.

In another example, a nursing student may conduct a capstone project involving the development, implementation, and evaluation of an educational program aimed at improving patient health outcomes for a specific community. This would allow the application of nursing theories as well as research methodologies learned throughout the student’s program. Theoretical frameworks around public health, health promotion, patient education, and behavior change would guide the design of an evidence-based intervention. Quantitative and qualitative research methods would be used to assess patient knowledge and behaviors before and after the program, and to evaluate its effectiveness and guide future improvements—again providing real-world research experience. Consulting with community health representatives to identify true needs and collaborate on the project’s scope ensures it addresses authentic priorities.

For a business student, a capstone project could take the form of a consulting engagement with a local small business or nonprofit. The student would conduct an operational or strategic analysis using frameworks such as Porter’s Five Forces, SWOT analysis, or balanced scorecard. They may recommend new marketing strategies, finance plans, or operational improvements. Implementation may involve creating marketing plans and materials, budgets, process workflows or training programs. Follow-up assessment of outcomes provides experience evaluating real-world results. The collaboration ensures the recommendations are tailored specifically to the client and feasible within their context—just as in professional consulting. It also gives the student experience clearly communicating recommendations to stakeholders and decision-makers.

In each of these examples, the capstone project effectively bridges students’ academic preparation to practical application through sustained work on a substantial endeavor with authentic complexity and stakes. By partnering with outside organizations and customers instead of hypothetical scenarios, capstones situate learning fully in a real-world, client-centered professional context. Students gain direct experience consulting with stakeholders, scoping needs, designing evidenced-based solutions, implementing plans, and evaluating results—all while integrating the various theories and methods learned across their course of study. With proper guidance from faculty, capstone projects can powerfully demonstrate student learning through direct application to meet community needs—preparing graduates for workplace success through fully contextualized professional experience.

Capstone projects are highly effective at integrating theory with practice by giving students the opportunity to demonstrate proficiency through sustained work on meaningful problems facing real organizations in their discipline. Through collaborative projects where they must determine authentic needs and provide tangible value for clients or partners, students gain direct experience practicing professional skills while synthesizing deep knowledge from their academic preparation. By firmly situating applied learning in real-world contexts with technical, operational, social or business complexity, capstones ensure graduates are ready to apply their education resolving authentic challenges through theory-driven, evidence-based solutions—just as they will be expected to in their careers.


Transportation agencies and urban planners will need to work closely together to ensure infrastructure and land use policies are adapted for the introduction of CAVs on public roads. Some of the key areas of coordination will include transportation network design, infrastructure upgrades, curb space management, parking requirements, and data sharing.

When it comes to transportation network design, agencies will need to consider how CAVs may impact traffic flow and congestion. As CAVs become more common, some lanes on roads may need to be redesigned for exclusive use by autonomous vehicles to optimize traffic flow. This could involve designating certain lanes for shared or priority use by CAVs, buses and high-occupancy vehicles. Planners will also need to model how changes to road and intersection design can take advantage of the improved safety and traffic management capabilities of connected vehicles. For example, reducing standard lane widths to add turning lanes or extend sidewalks.

In terms of infrastructure upgrades, transportation agencies will have to work closely with cities to prioritize upgrades to road signaling, lane markings and signs to support basic vehicle-to-infrastructure (V2I) communication. This will allow CAVs to safely navigate intersections and adapt their speed based on real-time traffic conditions transmitted from infrastructure like traffic lights. Agencies will need to map out a plan for incrementally upgrading critical transportation corridors first based on traffic volume and congestion levels. Investments may also be needed in weather sensors along roadways to transmit data on precipitation or visibility to CAVs.

When it comes to curb space and parking requirements, cities will need to re-examine guidelines for on- and off-street parking, loading and pick-up/drop-off zones. With the advent of shared, autonomous and electric vehicles, demand for private parking is expected to decline over time. Curb space will still be needed for pickup/drop-off of people and deliveries. Cities may convert some spaces to quick-loading zones or dedicate certain curbs to autonomous shuttles and transportation network vehicles. Minimum parking requirements for new developments may also need to be reduced accordingly. This will require parking studies as well as coordination between transportation, planning and public works departments.

To effectively plan for CAV integration, transportation agencies also need access to relevant real-time city and vehicle data. This includes traffic volumes, congestion hotspots, vehicular trip origins/destinations and curb space activities. At the same time, cities need data from transportation agencies and CAV operators on fleet sizes, routing plans, dropping-off/picking up zones. Formal data sharing agreements and committees involving public agencies, private firms and research institutions can help establish protocols for sharing pertinent transportation data to support pilot programs and long-term CAV deployment strategies.

On the planning and policy side, transportation agencies and urban planners must ensure CAV integration supports broader community goals like sustainability, equity and livability. Tools like general plans, specific area plans and design guidelines will need amendments promoting transit-oriented development around shared CAV hubs. This could encourage a shift towards more compact, walkable development patterns less dependent on private vehicles. Planning departments may also develop strategies to deploy shared CAV services in an equitable manner. For example, ensuring underserved communities are prioritized for first-mile last-mile connection to fixed transit routes.

A cooperative and comprehensive approach between transportation agencies and urban planners is essential to responsibly guide the transition to an era of connectivity and automation. Regular collaboration through committees, public working groups and joint studies can help synchronize policies, coordinate multi-agency projects and ensure transportation infrastructure adapts to maximize the societal benefits of CAVs while mitigating any negative externalities. Continuous cooperation between stakeholders from government, academia and industry will also be important for future scenario assessment and deployment of other advanced technologies like drones and hyperloop systems in an integrated manner alongside CAVs. With proactive coordination, transportation agencies and cities can help ensure connected and autonomous vehicles are deployed strategically to create safer, more sustainable and accessible communities for all.

Transportation agencies must work closely with urban planners on issues ranging from road designs and infrastructure upgrades to parking reform and data sharing procedures. A collaborative governance framework recognizes CAVs both impact and are impacted by the larger built environment. Coordinated efforts can leverage coming autonomous technology to positively shape patterns of where and how we develop land along with how people and goods move throughout cities. By aligning CAV integration with broader city goals, transportation planners and agencies can facilitate well-planned deployment supporting livability, equity and sustainability.