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Frank Elsner Builds Big Ideas Through Steady Action

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Frank Elsner Builds Big Ideas Through Steady Action

Big ideas often get credit for changing careers and industries. But ideas alone do nothing without follow-through. Frank Elsner’s career shows how steady action, applied over time, can turn practical ideas into real results.

His path is not built on sudden wins. It is built on discipline, learning, and showing up prepared.

Today, Elsner serves as Chief of Safety and Security for the Natural Factors Group of Companies. His work reflects decades of experience across high-pressure roles, leadership positions, and continuous education. Along the way, he has focused on one core belief: simple ideas work best when they are practiced every day.

Early Experiences That Shaped His Thinking

Frank Elsner

was born in Germany and moved to Canada in 1965. He grew up in Vancouver and later in Oliver, British Columbia. Sports played a major role in his early life. He wrestled competitively and ranked second in the province in his weight class. He also played rugby and soccer.

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“Wrestling taught me patience,” he says. “You don’t rush your way to success. You earn it one move at a time.”

By age 17, he became a certified expert diver. This early skill later shaped parts of his professional work. He also served as student council president, gaining early exposure to leadership and responsibility.

“At the time, I didn’t think of it as leadership,” he says. “I just wanted things to run better.”

These experiences formed the base of how he approaches ideas today. Start small. Stay focused. Learn from pressure.

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Learning to Turn Ideas Into Action

Frank’s career unfolded across a wide range of demanding roles. He worked in undercover assignments, investigations, intelligence operations, dive teams, tactical environments, and senior leadership positions. Each role forced him to think clearly under stress.

“Undercover work taught me awareness,” he explains. “Tactical work taught me teamwork. Intelligence work taught me patience.”

Rather than chasing titles, he chose assignments that stretched his skills. This helped him develop ideas that were tested in real conditions. One example is his continued use of short debriefs.

“After anything important, I ask three questions,” he says. “What worked. What didn’t. What needs to change. It keeps you honest.”

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This simple habit followed him into leadership roles and later into the private sector. It became a way to turn experience into improvement.

Education as a Tool for Better Thinking

Frank returned to school as a mature student at Lakehead University. He completed a four-year Political Science degree in three years while working full time. The experience reshaped how he approached problem-solving.

“Going back to school at 32 was hard,” he says. “But it forced me to slow down my thinking.”

More than two decades later, he earned a Master of Public Administration from Western University. This helped him connect ideas with systems.

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“Big ideas only matter if you can make them work,” he says. “Education helped me understand how policy, people, and structure fit together.”

His academic journey reinforced a pattern in his life. When he lacked a tool, he went and learned it.

Applying Big Ideas in the Private Sector

As Chief of Safety and Security for Natural Factors Group of Companies, Frank applies lessons from decades of experience. His focus is not on complex systems. It is on culture, clarity, and awareness.

“Safety isn’t just about rules,” he says. “It’s about how people think when no one is watching.”

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One of his key ideas is that clarity beats speed. He believes rushed decisions often create more work later.

“Patience will take you further than adrenaline,” he says.

He also encourages leaders to create space for silence.

“Silence is underrated,” he explains. “You learn more when you listen.”

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These ideas influence how teams communicate, respond to risk, and make decisions under pressure.

Habits That Keep Ideas Alive

Frank credits much of his consistency to small personal habits. One is writing things down by hand, a practice he adopted during university.

“Handwriting forces you to slow down,” he says. “It helps ideas stick.”

Another is finding ways to reset. For Frank, that reset comes from motorcycle riding.

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“When you’re riding, you’re fully present,” he says. “It clears the noise.”

These habits help him stay focused and grounded, even in demanding roles.

A Career Built Through Consistency

Frank Elsner’s career shows that big ideas do not need big speeches. They need practice. His story is one of steady progress shaped by discipline, learning, and reflection.

“Most big ideas start as small habits,” he says. “If you repeat them long enough, they become part of who you are.”

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Rather than chasing attention, Frank focused on execution. That focus allowed his ideas to grow quietly but effectively, shaping his career and the organizations he serves.

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Banco Bradesco S.A. (BBD) Q4 2025 Earnings Call Transcript

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OneWater Marine Inc. (ONEW) Q1 2026 Earnings Call Transcript

Q4: 2026-02-05 Earnings Summary

EPS of $0.10 misses by $0.01

 | Revenue of $6.82B (20.91% Y/Y) misses by $12.11M

Banco Bradesco S.A. (BBD) Q4 2025 Earnings Call February 6, 2026 8:30 AM EST

Company Participants

Marcelo de Noronha – CEO & Member of Executive Board
Andre Carvalho – Investor Relations Director
Cassiano Scarpelli – CFO, Executive VP of Director & Member of Executive Board

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Conference Call Participants

Pedro Leduc – Itaú Corretora de Valores S.A., Research Division
Mario Pierry – BofA Securities, Research Division
Gustavo Schroden – Citigroup Inc., Research Division
Daniel Vaz – J. Safra Corretora de Valores e Cambio Ltda, Research Division
Yuri Fernandes – JPMorgan Chase & Co, Research Division
Renato Meloni – Bernstein Autonomous LLP
Thiago Bovolenta Batista – UBS Investment Bank, Research Division
Matheus Guimarães – XP Investimentos Corretora de Câmbio, Títulos e Valores Mobiliários S.A., Research Division
Carlos Gomez-Lopez – HSBC Global Investment Research
Daer Labarta – Goldman Sachs Group, Inc., Research Division
Andrew Geraghty – Morgan Stanley, Research Division

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Presentation

Marcelo de Noronha
CEO & Member of Executive Board

[Interpreted] Good morning, everyone. I am Marcelo Noronha. I’m here live from Cidade de Deus, the headquarter of Bradesco for this earnings release presentation related to the fourth quarter of 2025.

And why not saying of the full year of 2025 today is February 6 and my watch shows 10:31 a.m. I’ll start with presentation saying that all of this material has been released last night after the market closing and I think you had access to it. And I start with our recurring net income, BRL 6.5 billion growing 20.6% year-on-year, and BRL 24.7 billion for the full year 26.1% growth and however, with an ROAE of 15.2% exceeding our cost of capital for the first time in this quarter. And that’s why we say that we will continue to grow our ROAE for the coming quarters and years to come.

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Here, I have all of the operating highlights. I’m not going to go over

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Consumer Sentiment’s Marginal Gains: 6-Month Peak Still Feels Like A Valley

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Consumer Sentiment’s Marginal Gains: 6-Month Peak Still Feels Like A Valley

Customer satisfaction and feedback concept. Rising arrow and smiley on the desk.

designer491/iStock via Getty Images

By Jennifer Nash

Consumer sentiment rose for a third straight month in January, reaching its highest level since August. The Michigan Consumer Sentiment Index inched up 0.9 points (1.6%) to 57.3 this month, performing slightly better than the forecasted 55.0. However, this

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CDL: Long-Term Outperformance Is Unlikely Despite Recent Success

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CDL: Long-Term Outperformance Is Unlikely Despite Recent Success

CDL: Long-Term Outperformance Is Unlikely Despite Recent Success

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Form 13D/A Zeo Scientifix For: 6 February

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Form 13D/A Zeo Scientifix For: 6 February

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Alphatec Holdings EVP Sponsel sells $833k in stock

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Alphatec Holdings EVP Sponsel sells $833k in stock

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Axos financial director Court sells $1.13 million in stock

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Axos financial director Court sells $1.13 million in stock

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Dow Jones Industrial Average closes above 50,000 points for first time

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Dow Jones Industrial Average closes above 50,000 points for first time

The Dow Jones Industrial Average closed above 50,000 points for the first time on Friday as stocks rallied in response to a rout in tech shares earlier in the week.

The closely watched index rose above 50,000 for the first time after 2 p.m. during Friday’s trading session, advancing 1,206.95 points, or 2.47%, to close at 50,115.67.

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The S&P 500 and Nasdaq Composite also closed in the green, up 1.97% and 2.18%, respectively.

President Donald Trump celebrated the news in a Truth Social post on Friday afternoon.

STELLANTIS TAKES MASSIVE $26B HIT AFTER MOVING AWAY FROM EVS

“The Dow Jones Industrial Average just hit 50,000 for the first time in History. CONGRATULATIONS AMERICA!” Trump wrote.

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The president said in a separate post, “The ‘Experts’ said that if I hit 50,000 on the Dow by the end of my Term, I would have done a great job, but I hit 50,000 today, three years ahead of schedule — Remember that for the Midterms, because the Democrats will CRASH the Economy!”

Chip stocks surged on expectations they would benefit from increased spending on artificial intelligence (AI) data centers by Amazon and Google parent company Alphabet.

The traders on floor of NYSE

The Dow Jones Industrial Average topped 50,000 points for the first time Friday. (Michael Nagle/Bloomberg via Getty Images)

Shares in Nvidia, Advanced Micro Devices and Broadcom all rose by more than 7%. Amazon’s stock fell nearly 7% after announcing it planned to ramp up capital expenditures by more than 50% this year amid the AI race after a similar announcement by Alphabet Wednesday.

Friday’s rallies in the S&P 500 and the Nasdaq followed three consecutive days of losses amid worries about AI.

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“Market sentiment improved after today’s positive report out of the University of Michigan,” said Jeffrey Roach, LPL Financial chief economist. “Median 1-year inflation expectations hit the lowest since January 2025, providing some comfort for investors eager to see improving inflation metrics.”

Several software companies saw stock declines amid investors’ concerns that competition in the AI space could hurt their margins as well as questions about whether valuations have become excessive amid the AI boom.

Ticker Security Last Change Change %
I:DJI DOW JONES AVERAGES 50115.67 +1,206.95 +2.47%
SP500 S&P 500 6932.3 +133.90 +1.97%
I:COMP NASDAQ COMPOSITE INDEX 23031.213218 +490.63 +2.18%

SEC CHAIRMAN WARNS OF CHINA-LINKED RAMP-AND-DUMP ACTIVITY

“This trade has been volatile, and there have been selloffs at times, but I think there’s enough evidence that there’s real demand for AI products, real promise with what they can do and a necessity of a lot of spending to get there,” said Ross Mayfield, investment strategy analyst at Baird.

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“So, when there’s this kind of a sell-off, I think there’s a floor where there’s going to be a certain set of investors that steps in and starts buying these names.”

DEI DISCLOSURE PARTICIPATION PLUMMETS AMONG MAJOR COMPANIES AS CORPORATE PULLBACK CONTINUES

Nvidia headquarters

Shares in Nvidia and other chipmakers surged amid expectations of continued investment in AI. (Loren Elliott/Bloomberg via Getty Images)

Nine of the 11 S&P 500 sector indexes rose, led by the information technology index’s gain of more than 3.7% and a nearly 2.7% gain by the index for industrials.

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Reuters contributed to this report.

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Lincoln Educational Services: Future Growth Offers Promise (NASDAQ:LINC)

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Lincoln Educational Services: Future Growth Offers Promise (NASDAQ:LINC)

This article was written by

Daniel is an avid and active professional investor.
He runs Crude Value Insights, a value-oriented newsletter aimed at analyzing the cash flows and assessing the value of companies in the oil and gas space. His primary focus is on finding businesses that are trading at a significant discount to their intrinsic value by employing a combination of Benjamin Graham’s investment philosophy and a contrarian approach to the market and the securities therein. Learn more.

Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha’s Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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LARRY KUDLOW: The Dow 50,000 Prosperity Rocket Ship

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LARRY KUDLOW: The Dow 50,000 Prosperity Rocket Ship

To quote President Trump’s Truth Social post, “Congratulations America” on Dow 50,000.

And the widely known index didn’t just crawl above 50,000, it rocketed by 1,100 plus.

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And all those techie moaners and groaners have had their day in court, but they lost because they were up almost 2 percent and the broad based S&P is up almost 2 percent.

There’s always a frothy selling period, kind of a cleansing. And it’s healthy. Yet as I’ve believed for so many decades, you buy stocks for the long run. You buy the indexes or the ETFs and you hold them for the long run. And right now we have a market which is backed by very strong fundamentals.

Yes, that’s right, profits are the mothers’ milk of stocks. And profits are strong. Future earnings estimates continue to show double digit profit gains. And this is a productivity-driven profitability,

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where unit labor costs are barely above one percent, that is wages minus productivity.

It’s a decent proxy for low inflation and for that matter, for the whole Trump economic boom.

The success of the One, Big, Beautiful Bill of tax cuts, deregulation, “drill, baby, drill,” and reciprocal fair trade, is backing up the stock market.

There’s a business investment boom, called capital deepening, which is driving up productivity and real wages for middle class working folks.

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And please remember there’s something like 135 million Americans invested in stocks, through 401ks or IRAs, or brokerage accounts, or even union pension funds.

And hopefully the success of the Trump savings accounts for newborns will create a generation of children who will come to appreciate not only the workings of the stock market, but also business and the entire economy and for that matter free-market capitalism.

From poverty to millionaire status, it’s all very possible. Treasury Man Scott Bessent spoke about it earlier today, noting that “Trump accounts are a generational down payment on the American dream.” He added that “each eligible American child will receive a $1,000 seed contribution invested in the U.S. stock market, giving them a tangible stake in the most powerful economy in the world.” 

Mr. Bessent concluded: “As children see their the accounts grow, they learn how markets work, how patience pays off, and how financial stability builds independence”

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Part of today’s stock market rally could be traced to the third straight increase for consumer confidence and a six month high.

I’m not crazy about that survey because it’s heavily weighted to Democrats. Yet maybe some of them have seen the light and will stop bellyaching about tariff inflation, and other economic evils that have not come to pass.

And even more, a good piece by Kim Strassel at the Wall Street Journal notes a sizable reduction on the outlook for a federal budget deficit.

The Office of Management and Budget director, Russell Vought, is re-estimating a near $12 trillion reduction in the deficit outlook.

That includes $2 trillion from the One, Big, Beautiful Bill, and $5.6 trillion attributable to 3 percent or better economic growth. There is also $290 billion from tariff revenues in 2025, which comes to $4 trillion over 10 years. And all of that reduces interest expense by $1.8 trillion.

So anyway the spending curve is starting to come down for a change.

It’s all good and it’s all captured by a roaring stock market.

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Congratulations, America. Enjoy it.

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Gold and silver price surge, making 2026 Olympics medals most expensive ever

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Gold and silver price surge, making 2026 Olympics medals most expensive ever

The recent surge in gold and silver prices to record highs will make the medals awarded at the 2026 Winter Olympics the most expensive in history.

The Milan Cortina 2026 Winter Olympics officially begin on Friday and the value of the gold and silver medals that will be awarded to the winners and runners-up, respectively, have risen with the price of the precious metals.

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The spot price of gold has risen over 70% in the last year, trading around $4,950 per ounce on Friday. In that timeframe, silver prices have surged 143% and the metal is trading around $76 per ounce as of Friday.

While Olympic medals have a clear sentimental value to the athletes who have typically spent years training to win them, that price surge increases the underlying value of the medals.

Silver, gold and bronze medal samples from the 2026 Winter Olympics.

Samples of the silver, gold, and bronze medals of the 2026 Milano-Cortina Winter Olympics are displayed at the Italian Mint in Rome, Italy, on Dec. 5, 2025. (Guglielmo Mangiapane/Reuters)

2026 MILAN CORTINA OLYMPICS: EVERYTHING TO KNOW ABOUT THIS YEAR’S WINTER GAMES

Medals that will be awarded during the Milan Cortina Olympic Winter Games are made by the Italian State Mint and Polygraphic Institute based on set specifications using metal that was recycled from its own production waste, event organizers said in announcing the design last summer.

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All medals are 80 mm in diameter with a thickness of 10 mm – although the gold, silver and bronze medals have different compositions.

TEAM USA STARS TO KNOW AS THE 2026 WINTER OLYMPICS BEGIN

The opening ceremony of the 2026 Winter Olympics.

Tenor Andrea Bocelli performs during the opening ceremony of the 2026 Winter Olympics in Milan, Italy. (Mike Segar/Reuters)

Gold medals awarded at the 2026 Winter Games will have just 6 grams of gold in their total weight of 506 grams, with the remainder composed of silver. Silver medals are made solely of silver and weigh 500 grams. 

At a price of $4,950 per Troy ounce, six grams of gold amounts to about $955, while the 500 grams of silver are worth about $1,221 given a price of $76 an ounce.

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Bronze medals are made of copper and weigh 420 grams (about 0.93 lbs). At a current market rate of $5.89 per pound, a bronze medal is valued at roughly $5.45.

US SKI STAR LINDSEY VONN STUNS IN OLYMPIC TRAINING RUN ONE WEEK AFTER ACL TEAR

United States flagbearer during the opening ceremony of the 2026 Winter Olympics.

Flagbearer Erin Jackson of United States in the athletes parade during the opening ceremony of the 2026 Winter Olympics in Milan, Italy. (Yara Nardi/Reuters)

Olympians occasionally choose to sell their medals, which can go for significantly higher prices at auction than the intrinsic value of the metals they’re composed of due to the novelty and scarcity of an Olympic medal.

Four-time Olympic gold medalist Greg Louganis, who is widely regarded as one of the greatest American divers of all-time, said in a social media post last year that he auctioned three of his medals – two gold medals from the 1984 and 1988 Games and a silver from the 1976 Montreal Olympics – to help finance a move to Panama. According to SwimSwam, the auction earned Louganis more than $430,000.

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Ryan Lochte swimming.

Swimmer Ryan Lochte in action during the Men’s 200M Individual Medley Final at Kazan Arena in Kazan, Russia in 2015. (Thomas Lovelock /Sports Illustrated via Getty Images)

Swimmer Ryan Lochte – who won six gold medals, three silver and three bronze across four appearances at the Summer Olympics – sold three of his golds at auction last month for $385,520.

Fox News Digital’s Paulina Dedaj contributed to this report.

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