1. Kalzumeus. This guy works for Stripe and I've found a lot of interesting articles by him:

   1. Payments in Japan (there are a lot of options):

   2. The Fraud Supply Chain

   3. Gift Cards. Always a good generic topic of conversation if you've no idea what your guests like to talk about. Everyone seems to have a strong opinion on gift cards and this read can give you the upper hand!

2. (Some) Democrats sour on vaccine mandates. I'm not a fan of vaccine mandates. I don't think coercion is a good way to build trust in a public health system.

I'm very late on my November newsletter, but it's written now and will come out on Tuesday. You can find the Subscribe button at the top of the page if you'd like to get it by email.