🏒 “Booty Check” — Heated Rivalry’s $$$ surge. Apple’s AI “iPin”. Dimon vs. Trump. +Soft Partying

Summary

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Podcast Summary: "🏒 Booty Check" — Heated Rivalry’s $$$ surge. Apple’s AI “iPin”. Dimon vs. Trump. + Soft Partying

Podcast: The Best One Yet
Hosts: Jack Crivici-Kramer & Nick Martell
Date: January 23, 2026

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Overview

In this rich, fast-paced episode, Nick and Jack break down three major stories shaping pop-business culture: Apple's rumored move into AI-powered wearables, the surprising Taylor Swift-like economic effect of HBO’s hit gay hockey drama "Heated Rivalry", and the escalating feud—via federal lawsuit—between President Trump and JP Morgan CEO Jamie Dimon. They open with a lighthearted discussion on the rise of "soft partying" as the new millennial social trend for 2026.

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Episode Highlights

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1. The Era of "Soft Partying" (01:31–02:46)

• Main Theme: Millennials are redefining nightlife with less drinking and more meaningful, wellness-oriented hangouts. Book clubs, dance classes, sauna nights, and cold plunges are in; clubbing and overindulgence are out.

• Memorable Quote:

  "Instead of going hard and then having a hangover, you’re going soft."
  — Nick (01:51)

• Key Examples:

  • Book clubs taking over bars (02:04)
  • Cold brew/cold plunge social clubs popping up — “Coffee and Chill Club” (02:19)
  • NYC’s largest sauna, “Othership”, now open until midnight as a new kind of nightlife (02:32)
  • The year “Van Wilder became Van Milder” (02:51)

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2. Story 1: Apple’s Leap into AI Wearables—The iPin (04:38–08:57)

• Main Theme: Apple is rumored to drop a groundbreaking new AI device—a wearable “pin” (iPin). Unlike glasses or watches, this small Airtag-sized device pins to your shirt, with two cameras and a mic, offering always-on context for Siri.

• Discussion Points & Insights:

  • This is Apple’s first meaningful hardware launch in a decade since 2016’s AirPods. (05:16)
  • The iPin continually collects sensory data, making Siri a “Super Siri” that knows what you see, hear, and experience during your day.
  • “Wearables as witnesses”—the next evolution will see tech passively recording and understanding all aspects of life, not just what you manually input. (06:19)
  • Competitors (Meta, Google, Amazon, OpenAI) are racing to release similar wearables (cameras in glasses, pins, AirPods with cameras—06:47–07:07).

• Notable Quotes:

  “The iPhone you have in your pocket is passive—it’s like a squatter. But tomorrow, the iPin will be active, absorbing your life 24/7 like some kind of digital unblinking owl.”
  — Jack (07:11)

  "Since context is the moat, the big tech incumbents have a huge advantage in AI."
  — Jack (08:50)

• Key Takeaway:

  • The future “moat” in AI won’t be code but context: whoever knows you best (through years of data) can offer the best personalized assistance.

  "All that context is a moat. It turns Siri into your Super Siri personal assistant—wearables as witnesses."
  — Nick (19:27)

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3. Story 2: “Heated Rivalry” — TV Drama Driving Real-Life Hockey Surge (08:57–13:54)

• Main Theme: HBO's "Heated Rivalry", a gay romance centered on hockey, is massively influencing real-life ticket sales, Google searches, and fan engagement in the NHL—akin to the “Taylor Swift Effect” but for hockey.

• Key Findings:

  • Hockey ticket searches rose 75% on StubHub, ticket revenues up 30% on SeatGeek (09:56–10:01).
  • Google searches for hockey-related terms are at all-time highs (10:06).
  • The show’s appeal is broad: of the 8 million viewers, 2/3 are female (13:13).
  • The timing of the show’s release—right before the Winter Olympics and over the holiday break—was a strategic masterstroke (11:34–12:00).

• Memorable Moments:

  • "One out of seven Heated Rivalry viewers rewatched an episode of Heated Rivalry five times. You know why, Nick?" — Jack (12:30)
  • "The extremely explicit sex scenes. People watched it and then rewatched it four more times." — Jack (12:35)

• Strategic Moves:

  • Bell Media built the show using Netflix's "Bridgerton" formula (racy, unknown cast, unique setting) to break out in a crowded streaming environment (11:07–11:16).
  • Purposeful launch over Thanksgiving to exploit social show recommending (11:47–12:00).

• Impact on Sports:

  • “Heated Rivalry” is pulling more women into hockey fandom, similar to Taylor Swift’s effect on NFL viewership (13:06–13:42).

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4. Story 3: Trump Sues JP Morgan CEO Jamie Dimon – Corporate Power Clash (14:41–19:19)

• Main Theme: President Trump sues Jamie Dimon and JPMorgan Chase for $5B over the closure of his accounts post-January 6th—exposing the business world’s political fault lines.

• Key Details:

  • Trump alleges account closure was for "unsubstantiated woke beliefs" and claims backlash against him (15:41).
  • JP Morgan states it closes accounts due to legal/regulatory risk, not political motivation (15:56).
  • Jamie Dimon, often reticent in public commentary, has recently made multiple statements critical of Trump, from Fed policy to interest rate caps and immigration (17:06–17:29).
  • The cap on credit card interest rates (Trump’s policy proposal) would radically change the credit market: banks predict mass cancellation of most cards for subprime consumers (18:10–18:52).

• Notable Quotes:

  “The message to other CEOs: speak negative about me in public and you get sued.”
  — Nick (17:36)

  "If credit cards get capped, they get canceled."
  — Jack (17:56)

• Economic/Political Implications:

  • Dimon's proposal: test credit card caps in progressive states—he predicts banks would pull cards from 80% of consumers there due to risk/reward structure (18:40–18:52).
  • Comparison to rent control: eliminating profit eliminates market activity (19:00–19:06).

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5. Lightning Round: Other Pop-Biz Headlines (19:59–21:27)

• Oscar Nominations: "Sinners", a genre-bending vampire movie, earns a record 16 nominations, beating "Titanic" and "La La Land" (20:09).
• M&A: Capital One is buying Brex for $5.5B, following its acquisition of Discover last year (20:40).
• Viral Spats: Ryanair vs. Elon Musk feud over inflight Wi-Fi turns into a "profit puppy" as Ryanair leverages the attention for bookings (21:12–21:27).

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6. Best Fact Yet / Corrections (21:37–22:01)

• Hosts issue fun end-of-week corrections, including mix-ups on Canadian politics and Batman/Bane trivia.

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Top Quotes by Timestamp

• "Wearables as witnesses. The future will be recorded with microphones and cameras on your clothing." — Nick (06:19)
• "The Taylor Swift effect just jumped sports—from football to hockey." — Jack (12:53)
• "If credit cards get capped, they get canceled." — Jack (17:56)

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Important Timestamps

• 01:31 — Soft Partying: new social trend
• 04:38 — Story 1: Apple’s iPin leak
• 08:57 — Story 2: Heated Rivalry’s hockey surge
• 14:41 — Story 3: Trump vs. Dimon lawsuit
• 19:59 — Lightning round: major pop-biz headlines
• 21:37 — Best Fact Yet/corrections

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Podcast Tone & Style

Conversational, witty, filled with pop-culture references (“If you know, you know”; “Van Wilder became Van Milder”), and expertly blends hard business analysis with lighthearted, memorable hooks. Each story includes takeaways directly to “buddies”, i.e., listeners.

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For New Listeners

This episode is action-packed, traversing cutting-edge tech, global media strategy, financial policy, and millennial culture trends. Nick and Jack offer fresh analogies, pithy insights, and quick laughs—making even heady topics like AI, LGBTQ representation in sports, and financial regulation approachable and entertaining.

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Transcript

[Nick]

This is Nick.

[Jack]

This is Jack.

[Nick]

It's Friday. The Real Friday, January 23rd. 1, 2, 3. And today's pod is the best one yet. This is a T boy. The top three pop business news stories.

[Jack]

You need to know today, Jack.

[Nick]

I got two out of my four birthday wishes so far. Not too shabby for the birthday wish.

[Jack]

Yeah.

[Nick]

Okay. Well, stocks rose.

[Jack]

We're almost at a record high.

[Nick]

There you go. Okay, good. And guac was not extra.

[Jack]

Yes, it was.

[Nick]

Okay, I know you're a Chipotle shareholder. Tricia and Daniel Yeti's from Boulder, Colorado sent me a Chipotle gift certificate. So the guac no was an extra. First time in economic history.

[Jack]

That is a legendary move.

[Nick]

Yeah.

[Jack]

Dan from Denver.

[Nick]

Dan from Denver with the extra Glock.

[Jack]

That's awesome.

[Nick]

But three stories for today's team. Boy, what do we got on the pod?

[Jack]

For our first story, we just got a leak on Apple's first AI hardware device. And it's not glasses or a bracelet. It's a wearable pin.

[Nick]

Boom. Apple's ipin. That is your next iPhone.

[Jack]

For our second story, HBO's heated rivalry is boosting ticket sales for real life hockey by 75%.

[Nick]

The hit gay romance is causing a Taylor Swift effect on ice.

[Jack]

But for hockey. And our third and final story. It's the biggest showdown in the world right now. It's not the United States versus Greenland or Europe. It's Donald Trump versus Jamie Dimon.

[Nick]

JP Morgan's legendary CEO just got sued by the president. And this lawsuit might actually affect your credit card. But Yetis, before we hit that wonderful.

[Jack]

Mix of stories, I mean, what a.

[Nick]

Mix of stories before the weekend, Jack, the best mix.

[Jack]

2026 is the year of soft partying.

[Nick]

Soft partying. That's the headline over at the Business Insider.

[Jack]

I've gotten a little soft with my parting, to be honest. So I wanted to jump in T boy style and see that I'm actually on trend here.

[Nick]

Yeah, we poured a couple whiskeys and got curious about this one. Get this. The Lennials are still going out together this weekend. That's a fact.

[Jack]

But instead of going hard and then having a hangover, you're going soft.

[Nick]

We're talking meaningful alk free in real life connections, baby.

[Jack]

The kind of thing you would have found super lame in. Would that sound amazing today?

[Nick]

Okay, listen to the events we discovered. There are book clubs doing takeovers of entire bars this Friday night.

[Jack]

Instead of dance clubs, young people are doing dance classes together.

[Nick]

Instead of pulsing at the club until.

[Jack]

2Am you're plunging with friends at 2pm.

[Nick]

Saturday morning, not Saturday night.

[Jack]

There's actually a social club that does cold brew.

[Nick]

Cold plunges. True story. It's called Coffee and chill club.

[Jack]

Sipping nice lattes with your friends while sitting in ice with your friends.

[Nick]

You're going to want to bring an extra towel and an extra napkin. Get this, New York City's biggest sauna. Other ship. They're open until midnight because that's the new nightlife.

[Jack]

You're not schmitzing to cure your hangover.

[Nick]

You just schizing. Never had a hangover. The steam room.

[Jack]

It's the new happy hour.

[Nick]

And it's not Work hard, play hard. This is work hard party soft 2026.

[Jack]

Is the year Van Wilder became Van Milder.

[Nick]

If you know, you know. I said decaf. I just needed decaf. Let's hit our three stories. Fifteen years before song two boys from the northeast met in the dorm they had an idea that caused a cultural storm it's the best one yet but the best is the norm. Jack, Nick, that's it. I don't even think they need to practice. 50%. That's a fat tip. T boy city on your at Liz if you know you know. Cause we read to go we can't wait no more so just start the show Start the show. First, a quick word from our sponsor.

[Sponsor/Advertiser]

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[Nick]

For our first story, Jack, call a plumber because we got a leak. Apple is reportedly building an AI wearable next year. We call it the ipin because in.

[Jack]

2027 everyone will be wearing devices with cameras and microphones that see and hear everything.

[Nick]

But first, congratulations to our buddies over at Apple. Just voted by Fortune magazine the most admired company in America for the 19th.

[Jack]

Year in a row. This is the most boring list ever. But Nick, the last successful product Apple actually launched was AirPods 10 years ago, 2016.

[Nick]

So to remain admired, Jack, Apple needs something good. I need something new. I'm gonna need something A I E, ish.

[Jack]

And the answer, according to reporting from the information, is a wearable pin that Apple's working on. It's the size of an airtag, Nick. And I call it the I pin.

[Nick]

Ah, the I pin. This thing will have a microphone and two cameras and those will feed Siri with information about you all the time.

[Jack]

The result, a personal assistant, Siri, who knows what you've heard and seen all day because it's pinned right there on your cute top and it sees and hears everything.

[Nick]

For example, like Jack, you could say, hey Siri, where is my car parked in the airport garage.

[Jack]

She knows the answer because she saw it. She was there when you parked it.

[Nick]

Or hey Siri, when did my boss say that report was due?

[Jack]

Again, Siri knows the answer because she heard it. She was there in the room.

[Nick]

Or hey Siri, do these capris make my butt look big? What do you think she's gonna give you an honest answer on that one, Jack, if I know Siri and if I know her looking at you.

[Jack]

Well, this whole story reveals the next era of tech hardware. Wearables as witnesses.

[Nick]

Wearables as witnesses. Yeti's the future will be recorded with microphones and cameras on your clothing.

[Jack]

Now that sounds kind of freaky, like a surveillance world we're entering, but it also offers you some really nice benefits as a consumer.

[Nick]

Yeah, you don't have to be wearing those capris. Maybe we're already kind of seeing this Jack. Right? Like meta shipped 4 million ray ban glasses last year with built in cameras recording everything.

[Jack]

Google invested in Warby Parker last year to build out the same thing AI smart glasses.

[Nick]

Amazon acquired be last summer a clip on pin or bracelet that is always listening to you.

[Jack]

And OpenAI poached Apple's top designer. Jony I've to create the same thing that Apple's working on, an always on, always listening AI wearable.

[Nick]

And now there are reports that OpenAI is building AirPods that have front facing cameras that see what you see yet.

[Jack]

Is the shift that's going to happen in tech hardware. Here's one way to think of it. Today the iPhone you have in your pocket is passive. It's like a squatter. It only does something if you summon it.

[Nick]

But tomorrow, the IPIN will be active, absorbing your life 24. 7. Like some kind of digital unblinking owl.

[Jack]

Or Nick, not just like an unblinking owl, like Gary from Veep.

[Nick]

Selena Meyer, we know you're listening, and we know you approve of this message. So, Jack, what's the takeaway for our buddies over at Apple?

[Jack]

Making the IPIN in AI assistance. Context beats coding. The context is actually the moat.

[Nick]

So Jack and I were thinking yetis, like if there was a Mount Rushmore for assistants in movies, who are you gonna put on it? Jack, who you putting on it?

[Jack]

Jarvis from Iron Man, Gary from Veep, Alfred from Batman.

[Nick]

Okay.

[Jack]

And Andy Sachs, which is Anne Hathaway's character in Devil Wears Prada.

[Nick]

By the end of the movie, she. She'd earned that role. The commonality here, besties, is that all of these assistants know their bosses incredibly well, so they can serve their bosses incredibly well.

[Jack]

That's why the tech you already have and use every day, they're going to win in the market for AI assistance in the future.

[Nick]

What Jack's saying is basically the big tech already has the 15 years of context about your life.

[Jack]

For example, Google's Gemini, it can plan your best vacation because Google has access to 15 years of your emails, your calendar, your search history, and your YouTube viewing.

[Nick]

Or, Jack, Apple Siri could become your best AI therapist because it has 15 years of your photos, your imessages, your fitness activity from the Apple watch.

[Jack]

And soon both Apple and Google will see and hear what you see and hear because of these always on AI wearables.

[Nick]

And because the more context about you, the better AI can work for you.

[Jack]

Since context is the moat, the big tech incumbents have a huge advantage in AI.

[Nick]

For our second story, the show heated rivalry has officially affected the economy. Hockey ticket sales are surging because of this hit gay hockey show.

[Jack]

What's really happening here, though? It's the Taylor Swift effect on ice.

[Nick]

All right, Jack, I'm checking the calendars here. We got exactly two weeks until the Winter Olympics begin in Milan. That's it.

[Jack]

America's pre game for the Winter Olympics.

[Nick]

Is Canada's top show because the number two show on HBO Max right now is heated rivalry.

[Jack]

It's the biggest moment for hockey since the Zamboni.

[Nick]

Yes, we know what you're thinking, Yetis. We did highlight heated rivalry earlier this month with a little bit of business analysis.

[Jack]

We pointed out that NHL is extremely dependent on hockey movies for mainstream.

[Nick]

Yeah, hockey has strong ROI at the box office, but today we've got an update because we just got more data, didn't we, Jack?

[Jack]

The gay hockey romance. Heated Rivalry is now driving ticket sales of actual hockey.

[Nick]

Get this. On StubHub, ticket searches for hockey games are up 75% on SeatGeek.

[Jack]

Revenue on hockey tickets rose 30% since the show's first episodes were aired.

[Nick]

Google searches for hockey players, hockey books. They're at all time highs. And not just because Henrik Lundqvist is a beautiful man.

[Jack]

It's because of the Heated Rivalry. Off the ice, concert venues are hosting Heated Rivalry themed raves. Two in Burlington right near me are sold out. It's just LGBTQ friendly raves with, like a vague hockey theme.

[Nick]

But besties. This is what Jack and I find fascinating. Yes, we are fans of hockey and Shane and Ilya, but we are most fascinated about the strategy here.

[Jack]

Oh, I think we're gonna say about the Cottage.

[Nick]

More on the Cottage in a sec. But there are a lot of X's and O's that went into the business of making the show that made it a success.

[Jack]

Yes, some strategic planning helped make Heated Robbery a streaming hit that would make Coach Bombay proud.

[Nick]

Now, interestingly, HBO distributes the show in America, but it was produced by a Canadian company called Bell Media, which doesn't have other big shows in the country right now.

[Jack]

But people at Bell Media saw what happened at Bridgerton, and they said, we can copy that formula.

[Nick]

But for hockey, they copied Netflix's Bridgerton formula and broke it down like this. A racy script, an unknown cast, plus a surprise setting.

[Jack]

Heated Robbery has all those things. Plus, great storytelling has to have stakes. For Bridgerton, it was lust within a formal monarchy.

[Nick]

For Heated Rivalry, the stakes are the tension of gay lovers in a sport without any openly gay pro players.

[Jack]

The other strategic move that led to Heated Rivalry success was the timing of its launch.

[Nick]

The timing because Heated Rivalry was originally planned to launch in February after the Winter Olympics, basically, like a month from now.

[Jack]

Instead, they took a riskier approach that had a higher reward. They built momentum up before the Olympics.

[Nick]

So they moved the Heated Rivalry release date to Thanksgiving instead. And Jack, why is Thanksgiving a strategic choice?

[Jack]

The six weeks between Thanksgiving and New Year's are when consumers hunt for new shows and share the new stuff they're watching.

[Nick]

I mean, is there any better conversation starter at a holiday party than, dude.

[Jack]

I heard about the Heated Robbery on a chairlift over the holidays.

[Nick]

Classic Jack. And that's what drives the industry.

[Jack]

And now Heated Robbery is doing streaming numbers for hbo. Max. Now that would make Logan Roy jealous.

[Nick]

Get this. This may be one of the wildest hero stats we've ever come across.

[Jack]

One out of seven Heated Rivalry viewers rewatched an episode five times or more. We gotta repeat that.

[Nick]

I don't think I've ever done that for anything, Jack.

[Jack]

One out of seven viewers rewatched an episode of Heated Rivalry five times. You know why, Nick?

[Nick]

Why, Jack?

[Jack]

The extremely explicit sex scenes. People watched it and then rewatched it four more times.

[Nick]

I thought you were gonna say it was because they were curled up at the cottage binging on hockey Bros. But, Jack, before Crosby interrupts the pod, what's the takeaway for our buddies over at Heated Rivalry in hbo, the Taylor.

[Jack]

Swift effect just jumped. Sports from football to hockey.

[Nick]

Now, Yetis, as a lifelong hockey player, I can tell you this is arguably hockey's biggest moment ever. Like Google searches for hockey players, they're at an all time high and we're down with it.

[Jack]

And it's because of Heated Robbery, which has had dance raves sell out venues with 6,000 people from New York to California.

[Nick]

But here's the surprise. When you dig further into the data, it's not gay men who are driving the viewers. Of the 8 million streaming viewers, 2/3 are female, according to HBO. And Jack's wife, Alex, she pulled me.

[Jack]

Into a few episodes. I gotta say, it is a great.

[Nick]

Storyline, but we have seen this before, have we not, Jack? Taylor Swift in the NFL. She got football into the female gaze.

[Jack]

Her relationship with Travis Kelce drove NFL viewership among women under 35 up by 35%.

[Nick]

And according to a Harris Poll, 79% of millennial women now identify as NFL fans. Those women, they are. Who's driving NFL merch growth right now?

[Jack]

Well, heated rivalry could be sparking interest among women in the NHL.

[Nick]

Well, hockey is having its Taylor Swift effect, but with Shane Hollander instead. Now a quick word from our sponsor. The new year brings new health goals and wealth goals. Protecting your identity is an important step.

[Jack]

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[Nick]

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[Nick]

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[Jack]

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[Nick]

For our third and final story before the weekend. President Trump just sued Jamie Dimon CEO of JPMorgan Chase for 5 billion bucks for closing his accounts after January 6th.

[Jack]

Here's how Jamie Dimon became an accidental leader of the business world's Trump resistance.

[Nick]

Oh, Yetis. America's president versus America's CEO. Forget Elon and Altman. This is the big battle of the business here.

[Jack]

Yesterday, the President of the United States filed a lawsuit in federal court against JPMorgan Chase and their CEO, Jamie Dimon, personally.

[Nick]

Jack, let's dive in t boy style to the litigation. What are we seeing in the red?

[Jack]

According to the lawsuit, JPMorgan Chase told Donald Trump in February of 2021 that his personal and business bank accounts would be closed in two months. So he better transfer that money somewhere else.

[Nick]

Now, we should sprinkle on some context here. That was weeks after the January six attacks on the US Capitol. Biden had just become president.

[Jack]

Trump says that the account closures were due to, quote, unquote, unsubstantiated woke beliefs and to follow political tides.

[Nick]

The lawsuit then claims that Jamie Dimon in particular put Trump's name on a list of people the industry should refuse to open bank accounts with.

[Jack]

JP Morgan has responded to the lawsuit by saying they do not close accounts for political or religious reasons. They do close accounts because they create legal or regulatory risk for the company.

[Nick]

Now, Jack and I, we did work at banks, and we can tell you that federal law requires you review accounts for legal and regulatory risk. You watch a whole lot of office compliance videos every year to make sure you know your customer. True.

[Jack]

So JP Morgan could have decided Donald Trump would be charged with crimes, which he was in three jurisdictions.

[Nick]

But now, here's the situation. The president is demanding 5 billion bucks from Jamie Dimon and America's biggest bank.

[Jack]

So what's gonna happen next? Will Chase settle and donate to Trump's presidential library as Disney, cbs, a bunch of law firms, and a bunch of universities have?

[Nick]

Or will Jamie and JPM stand up for their rights and defend themselves in court?

[Jack]

We'll see. But one fascinating trend, Nick and I have noticed in 2025, just about zero CEOs said anything publicly that might upset even.

[Nick]

Like the Heinz ketchup CEO was dancing on eggshells for a whole year there.

[Jack]

But so far in 2026, we're seeing a change. Just in one month, Jamie Dimon has said at least three things that have upset President Trump.

[Nick]

All right, we got the list here. Whip out the whiteboard. First, Jamie Dimon defended Jerry Powell. He said political pressure on the Fed would backfire on America.

[Jack]

Then Jamie Dimon said that President Trump's proposed 10% interest rate cap on credit cards would be, quote, unquote, an economic disaster.

[Nick]

And then just this week, he condemned Trump's immigration. I don't like what I'm seeing with five grown men beating up little women.

[Jack]

That last one Jamie Dimon said on Wednesday at Davos. And the very next day, Donald Trump sued him for $5 billion.

[Nick]

The message to other CEOs, speak negative about me in public and you get sued.

[Jack]

Which is, ironically, what Trump is suing Jamie Dimon for basically right now.

[Nick]

And there's still a 40% chance Jamie Dimon runs for president in 2028. So, Jack, what's the takeaway for our buddies over in President Trump versus Jamie?

[Jack]

If credit card interest do get capped, they'll get canceled.

[Nick]

Yet he's Jack. And I want to focus on that credit card cap idea we mentioned earlier, which caused Jamie Dimon to actually mention Jack's home state of Vermont. In this whole situation, I don't think.

[Jack]

Jamie Dimon's ever publicly said Vermont.

[Nick]

Yeah, he actually needed help pronouncing it. I heard, Jack.

[Jack]

On Monday, President Trump called on Congress to cap credit card interest rates for one year at 10%.

[Nick]

Now, Jamie Dimon says that if that happens, banks will close 80% of credit cards out there. Basically, there's no margin. There's no model here.

[Jack]

And the reason is explained by Finance101. With higher risk must come higher reward. If banks can't collect the higher reward of 20% interest, they simply won't offer credit cards in the first place.

[Nick]

So Jamie Dimon's interesting idea. He wants to test Trump's plan in Vermont and Massachusetts. Basically, cap credit cards in progressive states where senators agree with the interest rate cap.

[Jack]

And his prediction is that without the reward of high interest, banks will stop offering credit cards to the bottom 80% of credit scores in those states.

[Nick]

I mean, Jack, if you think about it, it's kind of like rent control in the real estate industry. Without a financial incentive, banks just won't do it.

[Jack]

We think a better idea to help people financially would be to ban overdraft fees. There's no negative consequences to that, because.

[Nick]

Add it all up, and if credit cards get capped, credit cards get canceled. Jack, could you whip up the takeaways for us?

[Jack]

For the Real Friday, Apple is developing an eye pin you'll put on your shirt that will see and hear everything you do.

[Nick]

All that context is emote. It turns Siri into your Super Siri personal assistant wearables as witnesses.

[Jack]

For our second story, heated rivalry is Canada's gay hockey romance, and it's driving ticket Sale demand, up 75%.

[Nick]

American women, specifically. It's the Taylor Swift effect on ice.

[Jack]

And finally, the President sued Jamie Dimon and JPMorgan chase for $5 billion for allegedly unfairly closing his accounts.

[Nick]

And if credit cards get capped, they get canceled.

[Jack]

But besties, this pod's not over yet. Here's what else you need to know today.

[Nick]

First, the envelope, please, Jack. Oscar nominations came in yesterday, and Sinners, the genre bending vampire movie, got a record 16 noms.

[Jack]

Yeah, 16 noms beats the previous record of 14, which was set by Titanic, La La Land, and a movie from way back in the day, All About Eve.

[Nick]

Yeah, we should point out Sinners is much more critically acclaimed than Twilight. I feel like that should be out there, Jack.

[Jack]

Yeah, in terms of vampire lore, Sinners gets the win.

[Nick]

By the way, Warner Brothers led all studios with 30 nominations. Seems like Netflix may have to up the price, Jack. And second, Capital One is buying Brex for 5.5 billion bucks, nine years after Brex was founded by a couple of Brazilian entrepreneurs.

[Jack]

Brex started as the credit card for startups, but it's expanded into an entire financial platform for startups. Startups.

[Nick]

A reminder. Capital One also acquired rival credit card company Discover last year for 35 billion bucks.

[Jack]

What's in your wallet? Capital One, Brex and Discover, and a.

[Nick]

Couple of Stanford grad dropouts. And finally put Dimon versus Trump on hold. Ryanair and Elon are fighting online, and it's driving ticket sales for Ryanair.

[Jack]

Elon is mad that Ryanair won't add Starlink WI fi to their airplanes. So he called the CEO stupid on.

[Nick]

Twitter, and then he polled Twitter about whether he should buy Ryanair, which, as you know from studying abroad, is the super cheap budget European airline.

[Jack]

So Ryanair's CEO turned his spat with Elon into a sales promo. And guess What? Bookings are up 2 to 3%.

[Nick]

Yeah, if you get into a fight with Elon. Profit puppy. Now, time for the best fact yet, which today is actually a correction to the pod.

[Jack]

Yeah, we're cleaning things up at the end of the week.

[Nick]

You got to do that before the weekend. It's like in box zero.

[Jack]

All right, so this one's from Laura Williams. Said Mark Carney was the Canadian president. We, of course, meant he was the Prime Minister.

[Nick]

And this next correction comes from Tom Sexton. Jack and I used an analogy about Aldi, the grocery store and inflation, saying it was born in the darkness, like Batman was.

[Jack]

Of course, Bane was born in the darkness, not Batman.

[Nick]

Besties. We rigorously fact check the pod, but sometimes something slips in. You think darkness is your ally? No, actually I thought the fact checkers were our ally. Jack. Yetis, you look fantastic today. Whether you're out till 2am hard partying or you're out till 8pm soft partying in a sauna.

[Sponsor/Advertiser]

Oh man.

[Jack]

Dude, I need some soft partying this weekend.

[Nick]

Well, like half the country is gonna be covered in snow this weekend from what I saw, Jack.

[Jack]

Although it could be like just a ton of rain or a ton of snow, depending on like 32 or 33. Did you pick up anything I just put down?

[Nick]

Yeah, it was pretty rudimentary physics lesson you just gave us. Thank you, Jack. Well yet.

[Jack]

If it's rain, put on a raincoat. If it's snow, stay safe and do some snow angels.

[Nick]

And whoever you're hanging out with in that sauna at 8pm, tell em hyh Tboy that helps us grow the pod.

[Jack]

Have you had the best one yet?

[Nick]

Celebrate the wins and Jack and I will see you Monday. And before we go, a happy 1, 2, 3 birthday to Myla. Celebrating on the way to Tahoe with Akshay, legendary longtime yetis Jack.

[Jack]

Happy birthday to Sarah Warren in Harlem, Georgia. Who's listening with her kids, Allison and Isaac.

[Nick]

What's up guys? And Jessica Haggerty has the best birthday yet down in Austin. Hope to see you at the live show.

[Jack]

Jessica, happy birthday to Emily from Beaumont, Texas.

[Nick]

And Rocky Wonderson down in Columbus, Ohio is celebrating a fantastic birthday.

[Jack]

Happy birthday to Sarah Jorgensen in Seattle.

[Nick]

Washington and Juno Yu. Happy 1st birthday. This is your best one yet over in Los Angeles.

[Jack]

And happy four year wedding anniversary to Wysh and Matty up in Washington. And to anyone else celebrating something today, make it a T boy.

[Nick]

Celebrate the wins.

[Jack]

This is Jack. I own stock of Netflix, Amazon and Warby Parker. And Nick and I both own stock in Chipotle and Apple. That was a good Bane impression. And you know, that was really good.

[Nick]

That was really good. Like honestly, I thought you had a device. I thought you had a device on you. I don't know how you did that.

[Jack]

Because you stepped away from the microphone phone.

[Nick]

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