 Programming is supported by Royal Credit Union, a financial cooperative that helps its members reach their goals. You can learn more about how Royal can help with your financial goals at rcu.org. Hi, Minnesota. It's Kai Rizdal, the host of Make Me Smart. Every weekday, Kimberly Adams and I break down the latest happenings in business, tech, and culture to help you make sense of a world that is constantly changing. Make Me Smart is available wherever you get your podcasts.