Think espionage is only for spies? Think again learn how counterintelligence is reshaping corporate security. Mikey Pruitt sits down with former Army intel pro Ryan Rambo to explore the hidden world of counterintelligence. Together they break down why corporate security teams need to treat insider threats like real espionage missions, and how tools like 351X software can cut through the noise. Ryan shares stories from the battlefield and how those lessons translate to protecting sensitive data and building a culture of employee reporting.Whether you’re a security exec or an entrepreneur, this episode gives you clear, actionable steps to boost your organization’s intelligence operations. - Counterintelligence stops espionage before it hits your business. - Insider threats come from hidden motives financial, ideological, or just ego. - A military mindset adds rigor to corporate security programs. - Employee reporting is the frontline filter against silent saboteurs. - 351X software turns data clues into decisive counterintelligence actions. If you found this eye‑opening, hit subscribe, drop a comment, and share!Chapters00:00 Introduction to Counterintelligence and Espionage01:52 Understanding Counterintelligence in Business04:09 The Role of Espionage and Insider Threats07:16 Ryan Rambo's Military Career and Transition to Corporate11:02 Interactions with Prisoners and Recruitment13:44 Counterintelligence in Corporate vs. Government17:13 Personality Traits of Insider Threats19:31 The Importance of Data Classification and Cybersecurity22:02 Understanding Security Frameworks and Their Limitations24:40 The Importance of Intelligence in Security Operations26:01 Introducing 351X: A New Approach to Counterintelligence29:46 The Role of Employee Reporting in Security34:28 The Need for Collaboration Between Cybersecurity and Counterintelligence40:38 Counterintelligence in Corporate America: A Growing Necessity44:43 Practical Steps for Businesses to Enhance Counterintelligence
Think Zero Trust is just another compliance checkbox? Think again. In episode 42 of dnsUNFILTERED, host Mikey Pruitt sits down with Tiernan O’Malley, Director of Client Services at Framework Security, to uncover the true power of a Zero Trust culture and the future of AI in cybersecurity. They dive into how visibility and a strong governance framework can turn risk management from a headache into a strategic advantage. If you’re worried about staying compliant while keeping pace with evolving threats, this episode shows you how security awareness training and leadership buy‑in actually protect the bottom line. Learn why AI isn’t just a buzzword, but a crucial tool in building a resilient security culture.Key takeaways - Zero Trust isn’t a checkbox it’s a mindset that starts with people, not policies. - Real visibility into systems equals sharper risk detection and faster response. - AI will be the engine behind future threat hunting, but it needs solid governance. - Interactive, frequent security training keeps teams alert without boring them. - When execs buy into training, it becomes a company‑wide shield. - A security‑first mindset turns risk assessments into smart financial decisions.Enjoying our deep dive? Hit subscribe, drop a comment below with your biggest Zero Trust questions, and share this episode with your network. Chapters00:00 Introduction to Zero Trust and Cybersecurity02:38 Understanding Zero Trust Culture05:35 Navigating Compliance and Risk Management08:06 The Role of AI in Cybersecurity11:01 Governance Framework for AI13:35 Identifying AI Tools in Organizations16:02 Communicating Cybersecurity Risks to Executives18:48 The Importance of Security Awareness Training21:28 Scaling Client Services Effectively24:11 Future Trends in Cybersecurity
Ready to unlock the secrets that make MSPs win? Matt Solomon reveals insider tactics that turn vendors into partners. In episode 24 of dnsUNFILTERED, host Mikey Pruitt sits down with Matt Solomon, co‑founder of BetterTracker and the Channel Program, to explore how the MSP community is reshaping vendor relationships, marketing, and AI use. Matt shares real‑world lessons on building trust, boosting efficiency, and turning a reactive culture into a proactive powerhouse. Whether you’re new to MSPs or a seasoned pro, you’ll walk away with actionable strategies that drive results. - MSPs thrive on collaboration share knowledge to elevate the whole community. - The first 60 days of onboarding are pivotal for keeping new clients loyal. - Efficiency isn’t a buzzword it’s the secret sauce that keeps customers happy. - AI can boost service speed, but staying proactive stops security risks. - Build trust by putting yourself out there visibility equals revenue. Hit subscribe, drop a comment, and share if you found a strategy that could transform your MSP.Channel Program is thrilled to host Holidaze 2025, a fantastic winter giveaway event spanning 10 business days from December 1st - December 12th.Register now to be part of the first round of drawings on Dec 1st!https://info.channelprogram.com/holidaze?utm_campaign=L-O-CP-EV-Holidaze_2025-DNSFilter-1025&_hsmi=390373539 Chapters00:00 Introduction to Matt Solomon and His Ventures02:51 The Unique Nature of the MSP Community05:31 Vendor Strategies in the MSP Space08:19 The Evolution of Channel Program11:17 Sales Lessons for MSPs13:54 Balancing Urgency and Importance in MSP Marketing16:48 Focusing on Business Outcomes for Success23:44 Harnessing AI for Development and Efficiency27:13 The Future of AI in MSPs31:08 Navigating AI Security Risks32:14 Shifting from Reactive to Proactive MSP Culture36:38 Maximizing Efficiency with BetterTracker39:06 The Role of Efficiency in MSP Success40:37 Future Endeavors and Innovations
Get ready to uncover the mind behind the shield Edna Jonsson shows how curiosity, community, and Capture the Flag shape a cyber career. Edna Jonsson, a veteran cyber‑defender, shares her journey from sock analysis to mentoring bright minds. We dive into Capture the Flag competitions, the latest emerging threats, and why privacy and social engineering are hotter topics than ever. Mikey Pruitt pulls back the curtain on how community support and hands‑on learning turn novices into experts plus a peek into her secret tricks for staying balanced and mentally healthy. - Community is the engine that keeps you motivated and safe in cyberspace. - Curiosity turns every mystery into a learning moment. - Capture the Flag contests make learning fun and realistic. - Hands‑on practice is the fastest way to join the cyber world. - Mentoring solidifies your knowledge and expands the field. If you found this episode inspiring, hit subscribe, drop a comment, and share with a friend.Chapters00:00 Introduction to Edna Jonsson and Cybersecurity Journey02:47 Challenges and Triumphs in Capture the Flag Competitions05:24 Getting Started with CTFs and Learning Pathways07:56 The Role of Community in Cybersecurity10:37 Emerging Threats in Cybersecurity13:22 Social Engineering and Its Impact16:03 Innovative Approaches to Training and Challenges18:42 Community Engagement and Networking21:12 Privacy Concerns and Practical Tips23:50 AI in Cybersecurity and Future Trends26:36 Managing Burnout and Finding Balance
Uncover the shocking truths that most cybersecurity experts don’t want you to know and how hiring might be sabotaging your security from the start. Mikey Pruitt sits down with Joshua Copeland to dissect the real problems in cybersecurity hiring, the power of people over tech, and how leaders can read business risk like a fortune teller. They peel back the hype around zero trust and AI, showing why culture and clear communication are the real game‑changers. Listeners will walk away with practical advice to build stronger teams, spot overlooked vulnerabilities, and prepare for the AI shifts that are coming. Key takeaways - Hiring practices are misaligned; job ads rarely match what teams really need. - People and processes trump flashy tech in protecting an organization. - Cyber leaders must grasp business risks, not just technical ones. - Zero trust is overplayed; real focus should be on patching and culture. - Knowing your team’s motivations & communication skills is essential. Think you’ve got your cyber defenses in order? Hit subscribe, share your thoughts in the comments, and join the conversation!Chapters00:00 Introduction to Unpopular Opinions in Cybersecurity02:08 The Flaws in Cybersecurity Hiring Practices07:40 Understanding the People and Process in Cybersecurity11:28 The Role of Cybersecurity Leaders in Business15:04 Overhyped and Underhyped Trends in Cybersecurity22:34 The Importance of Cybersecurity Culture28:13 Leadership Development in Cybersecurity33:54 Future Threats and the Impact of AI
Ready to smash the wall of cyber insurance? Discover how MSPs can turn their fears into a competitive edge. In episode 37 of dnsUNFILTERED, host Mikey Pruitt sits down with Will Brooks to talk about Ukon’s mission to make cyber insurance simpler and more accessible.The conversation covers the tough journey from Fifth Wall to Ukon, the gaps MSPs face when navigating insurance marketplaces, and why strong cybersecurity frameworks matter. Will shares practical tips on client education, building trust, and the power of local community networking. If you’re an MSP or a cyber security consultant looking for real‑world strategies, this chat is a gold mine. - Ukon redefines the cyber insurance process for businesses and agents alike. - MFA and solid frameworks boost insurance eligibility like a power‑up. - MSPs that network locally become trusted advisors, not just tech support. - Educating clients on cyber insurance removes guesswork and lowers risk. - Collaboration between MSPs and agents is the next frontier for a safer digital world. Smash that subscribe button, share the knowledge, and drop a comment below if you’re ready to build stronger cyber defenses!Chapters00:00 Introduction to Scaling the Wall Podcast02:38 Transition from Fifth Wall to Ukon05:37 Understanding the Ukon Product08:17 Creating a Cyber Insurance Marketplace11:23 The Role of MSPs in Cyber Insurance14:14 Consulting vs. Insurance Matching16:48 The Importance of Cybersecurity Frameworks19:40 Challenges in Cyber Insurance Industry22:48 MSPs and Cyber Insurance Best Practices25:30 Easy Wins for MSPs in Cyber Insurance28:20 Common Missteps by MSPs31:08 The Importance of Client Education34:09 Building Relationships with Clients36:44 Networking and Community Engagement39:50 Addressing MSPs' Fears and Anxieties42:28 The Future of Cyber Insurance and MSPs45:30 Conclusion and Final Thoughts
Think AI’s just for tech giants? Think again it's about to revolutionize MSPs. In episode 36 of dnsUNFILTERED, host Mikey Pruitt sits down with Jennifer Bleam, the cybersecurity sherpa, to explore how AI is reshaping managed service providers. They dig into the journey of AI adoption, the lingering skepticism, and why proactive client talks are the key to success. If you run or work for an MSP, you’ll walk away with concrete ways to build AI solutions that boost business growth, streamline operations, and keep you ahead in today’s fast‑moving technology marketplace.Takeaways: • AI is a real‑world tool that MSPs can use today to win new clients and revenue. • Break the doubt by talking openly with customers about the AI benefits they need. • Build AI solutions tailored to each client, not a one‑size‑fits‑all model. • Stay curious the AI marketplace is evolving, so keep learning and keep your tools sharp. Got thoughts on AI and MSPs? Drop a comment, hit like, and subscribe for more insights!Chapters00:00 Introduction and Podcast Goals00:57 The Journey of AI in MSPs04:38 Overcoming Skepticism in AI Adoption09:36 The Importance of Client Conversations14:18 AI as a Tool for Optimization18:53 Building an AI Strategy for MSPs23:48 Branding and Marketing in the AI Era28:25 Real-World Applications of AI in Business30:44 Leveraging AI for Revenue Growth34:26 Implementing Chatbots for Client Engagement37:23 Navigating the AI Landscape40:50 Building an AI Provider Marketplace45:13 Bridging the Gap Between MSPs and AI Builders49:04 The Future of SaaS and Custom Software51:23 Measuring Success in AI Integration53:29 The Evolving Role of MSPs in an AI-Driven World
In this conversation, Matthew Fox from Lawrence Systems and Mikey Pruitt explore various themes related to networking protocols, content creation, home lab setups, and the MSP landscape.They discuss the importance of community engagement, the role of AI in local computing, and the significance of education in technology. The conversation is filled with personal anecdotes, insights into the challenges faced by MSPs, and reflections on the future of open source in IT.Chapters00:00 Content Creation and IT Education00:06 Matthew's Journey in the MSP Space02:49 Home Lab and Hardware Discussions05:52 Naming Conventions for Machines08:11 YouTube Channel Growth and Community Engagement10:56 Leveraging AI and LLMs for Content Creation13:46 Storage Solutions and Drive Quality16:24 Home Lab Setup and Video Encoding18:53 Quality Hardware and User Experience22:19 Open Source Software in IT25:20 Building an Open Source IT Department29:49 Securing Home Servers and Learning Opportunities34:00 Empowering Young Minds with Technology36:31 The Journey of Learning and Innovation38:40 Teaching Through Technology: Lessons for the Next Generation41:12 Exploring the MSP Landscape44:59 The Unique Dynamics of the MSP Community50:15 The Impact of Community and Education in Technology
In this episode of dnsUNFILTERED, host Mikey Pruitt and guest Abigail Hendren discuss the importance of on-camera presence, authenticity in marketing, and the nuances of effective communication for today's landscape.They explore how to engage audiences through video messaging, the significance of understanding different platforms, and the balance between aesthetics and message in design.The conversation also touches on personal branding, the role of AI in creative processes, and the importance of transparency in crisis management. Throughout the discussion, they emphasize the need for marketers to be genuine and relatable to build trust with their audience.Chapters00:00 Introduction to dnsUNFILTERED00:57 The Importance of Being On Camera04:58 Building Camera Presence and Skills08:48 Authenticity in Marketing12:52 Designing Effective Marketing Materials16:45 Social Media Strategy and Engagement20:54 Avoiding Jargon in Technical Marketing23:06 Understanding Audience Engagement25:52 The Importance of Personal Branding27:56 Leveraging Authenticity for Business Growth32:53 Crisis Management and Transparency36:02 Innovating Podcast Content38:45 Expanding Guest Perspectives42:57 Debunking Cybersecurity Myths
Mikey Pruitt interviews Michael Stattelman about the development and impact of AI models, particularly in the realm of NSFW content detection.They discuss the origins of Stattelman's work at Falcons.ai, the importance of contextual awareness in AI, and the ethical implications of deploying AI solutions. Stattelman emphasizes the need for accountability in AI development and the potential for AI to address real-world problems, while also acknowledging the challenges and responsibilities that come with such technology.Chapters00:00 Introduction to AI and NSFW Content Moderation02:37 The Rise of AI in Content Moderation05:35 Contextual Awareness in AI Models08:19 AI for Good: Addressing Real-World Problems11:18 Fear-Mongering Detection and Its Implications14:00 Innovative AI Solutions and Their Origins16:52 Chaos Engineering and Cybersecurity Challenges25:20 Understanding Chaos Engineering and Vulnerabilities26:49 The Success of Falcon's AI and Its Impact28:39 The Future of AI: Point Solutions vs. All-in-One31:02 Emerging Threats and Language Patterns in AI35:30 Curricular Drift and Historical Accuracy in AI36:51 Training AI Models: From Small Projects to Large Scale40:22 The Importance of Accountability in AI Development
In this episode of dnsUNFILTERED, Mikey speaks with Kate Trojanowski, the Director of Product Management at DNSFilter about the Zorus transition, the integration of technologies between the two companies, and the importance of understanding the MSP ecosystem.They discuss the significance of customer engagement through quarterly business reviews, the recognition of Kate as CRN's Woman of the Channel, and the future roadmap for both platforms.The conversation also highlights the critical role of DNS filtering in cybersecurity and the collaborative efforts across departments to enhance user experience and product development. Kate shares valuable advice for aspiring product managers, emphasizing the need for curiosity and open-mindedness in the role.Chapters00:00 Introduction and Transition to DNSFilter02:32 Integrating Technologies: DNSFilter and Zorus05:08 Understanding the MSP Ecosystem08:42 Quarterly Business Reviews and Customer Engagement13:47 Recognition and Career Trajectory16:07 Future Roadmap for DNSFilter and Zorus19:58 Security Layers and Threat Intelligence26:15 The Importance of DNS filtering31:09 Collaboration Across Departments38:19 Advice for Aspiring Product Managers
In this conversation, Mikey Pruitt and James Shuler from Centre Technologies discuss the evolution and current state of Managed Service Providers (MSPs), focusing on redefining success metrics, the importance of cybersecurity, and the integration of AI in IT operations.They explore how Centre Technologies positions itself uniquely in the MSP landscape, emphasizing a strategic approach to project work and managed services. The discussion also highlights the challenges and opportunities in the cybersecurity realm, particularly in light of recent breaches and the growing demand for robust security measures.Chapters00:00 Introduction to Centre Technologies and MSPs02:16 Redefining MSP Success Metrics05:23 Understanding IT and Its Evolution08:23 Positioning Centre Technologies in the MSP Landscape11:11 The Importance of Cohesion in IT14:16 Cybersecurity: The New Priority for MSPs17:30 The Evolution of Cybersecurity and Its Impact20:14 Current Trends in Cybersecurity Services22:01 The Urgency of Cybersecurity23:26 Adapting to Remote Work and Cybersecurity Standards24:51 The Importance of a Tailored Technology Stack27:40 AI in Business: Current Trends and Future Directions30:22 The Role of AI in IT Operations32:56 Navigating IT Solutions for Different Business Sizes35:32 Strategic Growth and Project Work in MSPs39:41 Building Relationships Through Project Work41:40 AI Tools: Opportunities and Challenges
In this episode of dnsUNFILTERED, Mikey Pruitt interviews Brett Cheloff, the new Chief Product Officer at DNSFilter. They discuss Brett's journey from Zorus to DNSFilter, the evolving landscape of cybersecurity, and the importance of endpoint security in a work-from-home environment. The conversation highlights the synergy between DNSFilter and Zorus, the significance of automation for managed service providers (MSPs), and the innovative CyberSight technology that enhances security and business intelligence.Brett shares insights on the future of product development, partnerships with MSPs, and the importance of customer success stories in shaping the direction of the company.TakeawaysBrett Cheloff is the new Chief Product Officer at DNSFilter.The vision of Zorus evolved to focus on endpoint security.The shift to remote work changed the security landscape.Synergy between DNSFilter and Zorus benefits customers.MSPs need to focus on client relationships for success.Automation is crucial for MSPs to improve efficiency.CyberSight provides valuable insights for MSPs.Metrics can help MSPs optimize software usage.Hybrid work environments can enhance productivity.Brett's transition allows him to focus on product development.Chapters00:00 Brett's Background and Transition to DNSFilter02:37 Market Changes and the Shift to Endpoint Security05:31 Synergy Between DNSFilter and Zorus08:29 Future of Products and Managed Service Providers11:16 Automation in the MSP Space14:10 CyberSight and Business Intelligence Metrics20:43 Optimizing Software Usage and Productivity27:00 The Hybrid Work Environment30:55 Transitioning Roles: From CEO to Chief Product Officer34:08 Building Partnerships and Integrations38:04 Future Innovations and Customer Success StoriesTakeawaysTitlesSound BitesChapters
In this episode, Mikey interviews Ian Blake, founder and CEO of Square Dot, a B2B marketing firm specializing in MSPs. They discuss the unique challenges faced by MSPs in marketing, the importance of differentiation in a crowded market, and how AI can be leveraged to enhance marketing strategies. Ian shares insights on identifying unique selling propositions, creating effective marketing content, and practical tips for MSPs with limited budgets.The conversation emphasizes the need for MSPs to understand their market, differentiate themselves, and effectively communicate their value to potential clients.Chapters00:00 Introduction to the Conversation00:12 Ian Blake's Background and Experience03:08 Understanding MSPs and Market Differences08:08 The Sea of Sameness in MSP Marketing13:00 Differentiation Strategies for MSPs17:57 The Role of AI in Marketing Strategy21:46 Harnessing AI as a Tool for Business24:00 Uncovering Unique Market Insights27:23 Transforming Insights into Brand Positioning30:54 Creating Value through Educational Content36:05 The Importance of Segmentation and Targeting40:25 Practical Strategies for Budget-Constrained MSPs43:56 Building a Differentiated Brand Presence
In this episode, Mikey Pruitt interviews Ben Gillenwater, known as the Family IT Guy, who shares his expertise on keeping children safe online.Ben discusses his background in technology and how he transitioned to focus on family IT security. He outlines three key pillars for parents:- blocking harmful content- limiting screen time- avoiding contact with strangersThe conversation dives into the challenges of modern parenting in a digital age, including the risks associated with online gaming and social media. Ben emphasizes the importance of leading by example and maintaining open communication with children about online safety. He also provides practical tips for implementing technical solutions like DNS filtering and parental controls to create a safer online environment for kids.Chapters00:00 The Role of DNS Filtering in Family IT02:02 Ben Gillenwater: The Family IT Guy05:01 Three Pillars of Family IT Security08:09 Preventing Stranger Contact Online11:11 User-Generated Content and Its Risks14:03 Navigating Online Gaming Safely22:11 Understanding Screen Time and Addiction26:53 The Challenges of YouTube for Kids30:07 Blocking Harmful Content Effectively37:56 Implementing Family Tech Solutions
Jonathan Singer from GuidePoint Security discusses the intricacies of the cybersecurity channel, emphasizing the importance of relationships, trust, and strategic partnerships. He shares insights on how the sales landscape has evolved, the role of vendors and resellers, and the emerging trends in cybersecurity, particularly the impact of AI and the significance of the CVE database.Chapters00:00 Understanding the Channel in Sales04:16 Evolving Cybersecurity Sales Strategies08:19 Navigating Vendor Relationships10:28 The Role of Trust in Channel Partnerships13:41 Who Buys Through the Channel?16:10 The Matchmaker Role of Resellers18:47 Scaling Through Relationships20:53 Common Missteps in Channel Sales23:21 The Human Element in Cybersecurity Sales26:21 Building Trust and Authenticity in Sales28:45 The Importance of Technical Knowledge in Sales31:55 Emerging Trends in Cybersecurity41:16 The Critical Role of the CVE Database45:52 Future of Cybersecurity News and Insights
What does it take to build a cybersecurity company that actually competes with OpenDNS?In this episode of dnsUNFILTERED, Mikey sits down with Ken Carnesi, CEO and co-founder of DNSFilter, for an unfiltered conversation on entrepreneurship, DNS filtering, company culture, competition, and what it means to protect real people from real threats.From solving sketchy hotel Wi-Fi problems with DNS to acquiring threat intelligence tools like Webshrinker, Ken shares how DNSFilter went from startup to one of the fastest-growing players in cybersecurity.🔥 Sound bites:"I want everybody to like our product.""You have to work really, really hard.""Timing is definitely important."Whether you're an MSP, tech founder, or just want to hear how a remote-first company takes on the giants—this one's for you.Chapters:00:00 – Intro02:14 – Ken's Journey05:30 – Competing with Giants08:20 – Starting DNSFilter11:21 – Acquisitions + Innovation17:20 – Why Threat Identification Matters30:37 – How Customer Feedback Drives Product36:36 – Remote Culture Done Right41:17 – Advice for Entrepreneurs49:03 – The Future of Cybersecurity👉 Don’t forget to like, subscribe, and drop a comment. Got questions for Ken? We’re watching the replies.#DNSFilter #KenCarnesi #Cybersecurity #DNSFiltering #Entrepreneurship #ThreatIntelligence #CompanyCulture #TechPodcast #AIinCybersecurity
In this episode of dnsUNFILTERED, Mikey Pruitt interviews Tom Sweet, CIO of Industrial Refrigeration Pros. They discuss the complexities of managing technology in a rapidly growing company, the importance of cultural change management, and the future of AI in the industrial refrigeration sector.Tom shares insights on cybersecurity challenges, vendor selection, and the significance of building a cross-functional IT team. He also offers valuable advice for aspiring IT professionals, emphasizing the need for passion and networking in the industry.Chapters00:00 Understanding Industrial Refrigeration Pros02:57 Navigating Organizational Change Management06:56 Cultural Shifts in Technology Adoption10:08 The Role of AI in Industrial Refrigeration17:12 Cybersecurity Challenges in a Growing Company20:12 Evaluating Cybersecurity Tools22:18 Community Engagement and Feedback23:30 Building a Remote IT Team26:16 The Value of Generalists in IT27:40 Leveraging AI in IT Operations36:09 Career Advice for Aspiring IT Professionals
In this episode of dnsUNFILTERED, cybersecurity expert Chip Harris shares his extensive background in IT and OT security, detailing his transition from military contracting to cybersecurity.He discusses the critical differences between IT and OT security, the importance of disaster recovery, and practical tips for businesses to enhance their cybersecurity posture. Chip also speaks on the role of AI in cybersecurity, the challenges of password security, and the necessity of delivering hard truths in the industry. Throughout the conversation, he emphasizes the importance of safety in cybersecurity and the need for robust infrastructure resilience.Chapters00:00 Introduction to Cybersecurity and Personal Background00:15 Understanding OT vs IT in Cybersecurity03:25 The Evolution of Cybersecurity Roles06:19 Threats in Operational Technology09:28 The Importance of Cybersecurity in Critical Infrastructure12:19 Practical Cybersecurity Tips for Businesses15:21 Real-World Cybersecurity Challenges and Solutions26:11 Building a Strong Team in Cybersecurity28:11 The Role of AI in Cybersecurity36:35 The Limitations of Passwords and New Security Measures42:13 Delivering the Hard Truths in Cybersecurity48:09 The Importance of Infrastructure in Cybersecurity54:59 The Future of Cybersecurity and Financial Commitment