• Miss Spain, Angela Ponce, is the first transgender contestant at a Miss Universe pageant. 
• Though she didn't make it to the top 20, the competition honored her with a special segment during Sunday's live show.
• She also walked down the runway. 

Miss Spain, Angela Ponce, made history at the Miss Universe pageant Sunday night as the competition's first transgender contestant. 

Though she didn't make it to the top 20, the 27-year-old from Sevilla, Spain, was honored with a special segment during the live competition in Bangkok, Thailand. 

"My hope is for tomorrow to be able to live in a world of equality for everyone, simply for us all to understand that we are human and we must make all our lives easier together," she said. "If I can give that to the world, I don't need to win Miss Universe, I only need to be here."

Read more: Miss Costa Rica destroyed Steve Harvey with a joke about his Miss Universe mistake during the 2015 competition

Her history-making appearance made viewers emotional.

Ponce walked down the runway and raised her sash, receiving a standing ovation from the crowd. 

The competition aired Sunday on Fox from Thailand. 

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Over the past five years, the world has seen a seemingly unending series of high-profile data breaches, defined as incidents in which unauthorized parties access and retrieve sensitive, secure, or private data.

Major incidents, like the 2013 Yahoo breach, which impacted all 3 million of the tech giant’s customers, and the more recent Equifax breach, which exposed the information of at least 143 million US adults, has kept this risk, and these threats, at the forefront for both businesses and consumers. And businesses have good reason to be concerned — of organizations breached, 22% lost customers, 29% lost revenue, and 23% lost business opportunities.

This threat isn’t going anywhere. Each of the past five years has seen, on average, 1,704 security incidents, impacting nearly 2 billion records. And hackers could be getting more efficient, using new technological tools to extract more data in fewer breach attempts. That’s making the security threat an industry-agnostic for any business holding sensitive data — at this point, virtually all companies — and therefore a necessity for firms to address proactively and prepare to react to.

The majority of breaches come from the outside, when a malicious actor is usually seeking access to records for financial gain, and tend to leverage malware or other software and hardware-related tools to access records. But they can come internally, as well as from accidents perpetrated by employees, like lost or stolen records or devices.

That means that firms need to have a broad-ranging plan in place, focusing on preventing breaches, detecting them quickly, and resolving and responding to them in the best possible way. That involves understanding protectable assets, ensuring compliance, and training employees, but also protecting data, investing in software to understand what normal and abnormal performance looks like, training employees, and building a response plan to mitigate as much damage as possible when the inevitable does occur.

Business Insider Intelligence, Business Insider’s premium research service, has put together a detailed report on the data breach threat, who and what companies need to protect themselves from, and how they can most effectively do so from a technological and organizational perspective.

Here are some key takeaways from the report:

• The breach threat isn’t going anywhere. The number of overall breaches isn’t consistent — it soared from 2013 to 2016, but ticked down slightly last year — but hackers might be becoming better at obtaining more records with less work, which magnifies risk.
• The majority of breaches come from the outside, and leverage software and hardware attacks, like malware, web app attacks, point-of-service (POS) intrusion, and card skimmers.
• Firms need to build a strong front door to prevent as many breaches as possible, but they also need to develop institutional knowledge to detect a breach quickly, and plan for how to resolve and respond to it in order to limit damage — both financial and subjective — as effectively as possible.

In full, the report:

• Explains the scope of the breach threat, by industry and year, and identifies the top attacks.
• Identifies leading perpetrators and causes of breaches.
• Addresses strategies to cope with the threat in three key areas: prevention, detection, and resolution and response.
• Issues recommendations from both a technological and organizational perspective in each of these categories so that companies can avoid the fallout that a data breach can bring.

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• Miss Philippines, Catriona Gray, was crowned the 2018 Miss Universe winner.
• She is a 24-year-old with a Master's in music theory.
• The competition aired live on Fox Sunday night from Bangkok, Thailand.

Catriona Gray, Miss Philippines, was named the 2018 Miss Universe Sunday night. 

The 24-year-old  from Albay, Bicol, was one of 94 contestants competing for the title in Bangkok, Thailand in a competition that aired live on Fox.  

The new Miss Universe has a Master's in music theory and volunteers as a teacher's assistant to students of non-governmental organization Young Focus. She also serves as an HIV/AIDS advocate at Love Yourself PH, an organization that provides HIV testing, education, and prevention. 

Read more: Miss Costa Rica destroyed Steve Harvey with a joke about his Miss Universe mistake during the 2015 competition

Gray is the fourth winner to come from the Philippines. The last was Pia Wurtzbach, who was crowned in 2015 following host Steve Harvey's mistake in naming the wrong winner. 

Miss South Africa, Tamaryn Green, was crowned first runner-up.

The 2017 winner, Demi-Leigh Nel-Peters, from South Africa, crowned the new Miss Universe. 

Watch the crowning below.

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• Digital trust is the confidence people have in a platform to protect their information and provide a safe environment for them to create and engage with content.
• Business Insider Intelligence surveyed over 1,300 global consumers to evaluate their perception of Facebook, Twitter, Snapchat, Instagram, LinkedIn, and YouTube.
• Consumers’ Digital Trust rankings differ across security, legitimacy, community, user experience, shareability, and relevance for the six major social networks.

If you feel like “fake news” and spammy social media feeds dominate your Internet experience, you’re not alone. Digital trust, the confidence people have in platforms to protect their information and provide a safe environment to create and engage with content, is in jeopardy.

In fact, in a new Business Insider Intelligence survey of more than 1,300 global consumers, over half (54%) said that fake news and scams were "extremely impactful” or “very impactful” on their decision to engage with ads and sponsored content.

For businesses, this distrust has financial ramifications. It’s no longer enough to craft a strong message; brands, marketers, and social platforms need to focus their energy on getting it to consumers in an environment where they are most receptive. When brands reach consumers on platforms that they trust, they enhance their credibility and increase the likelihood of receiving positive audience engagement.

The Digital Trust Report 2018, the latest Enterprise Edge Report from Business Insider Intelligence, compiles this exclusive survey data to analyze consumer perceptions of Facebook, Twitter, Snapchat, Instagram, LinkedIn, and YouTube.

The survey breaks down consumers’ perceptions of social media across six pillars of trust: security, legitimacy, community, user experience, shareability, and relevance. The results? LinkedIn ran away with it.

As the most trusted platform for the second year in a row – and an outlier in the overall survey results – LinkedIn took the top spot for nearly every pillar of trust — and there are a few reasons why:

• LinkedIn continues to benefit from the professional nature of its community — users on the platform tend to be well behaved and have less personal information at risk, which makes for a more trusting environment.
• LinkedIn users are likely more selective and mindful about engagement when interacting within their professional network, which may increase trust in its content.
• Content on LinkedIn is typically published by career-minded individuals and organizations seeking to promote professional interests, and is therefore seen as higher quality than other platforms’. This bodes well for advertisers and publishers to be viewed as forthright, honest, persuasive, and trustworthy.

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Enterprise Edge Reports are the very best research Business Insider Intelligence has to offer in terms of actionable recommendations and proprietary data, and they are only available to Enterprise clients.

The Digital Trust Report 2018 illustrates how social platforms have been on a roller coaster ride of data, user privacy, and brand safety scandals since our first installment of the report in 2017.

In full, the report analyzes key changes in rankings from 2017, identifies trends in millennials' behavior on social media, and highlights where these platforms (as well as advertisers) have opportunities to capture their attention.

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Major logistics providers have long relied on analytics and research teams to make sense of the data they generate from their operations.

But with volumes of data growing, and the insights that can be gleaned becoming increasingly varied and granular, these companies are starting to turn to artificial intelligence (AI) computing techniques, like machine learning, deep learning, and natural language processing, to streamline and automate various processes. These techniques teach computers to parse data in a contextual manner to provide requested information, supply analysis, or trigger an event based on their findings. They are also uniquely well suited to rapidly analyzing huge data sets, and have a wide array of applications in different aspects of supply chain and logistics operations.

AI’s ability to streamline so many supply chain and logistics functions is already delivering a competitive advantage for early adopters by cutting shipping times and costs. A cross-industry study on AI adoption conducted in early 2017 by McKinsey found that early adopters with a proactive AI strategy in the transportation and logistics sector enjoyed profit margins greater than 5%. Meanwhile, respondents in the sector that had not adopted AI were in the red.

However, these crucial benefits have yet to drive widespread adoption. Only 21% of the transportation and logistics firms in McKinsey’s survey had moved beyond the initial testing phase to deploy AI solutions at scale or in a core part of their business. The challenges to AI adoption in the field of supply chain and logistics are numerous and require major capital investments and organizational changes to overcome.

In a new report, BI Intelligence, Business Insider's premium research service, explores the vast impact that AI techniques like machine learning will have on the supply chain and logistics space. We detail the myriad applications for these computational techniques in the industry, and the adoption of those different applications. We also share some examples of companies that have demonstrated success with AI in their supply chain and logistics operations. Lastly, we break down the many factors that are holding organizations back from implementing AI projects and gaining the full benefits of this disruptive technology.

Here are some of the key takeaways from the report:

• The current interest in and early adoption of AI systems is being driven by several key factors, including increased demands from shippers, recent technological breakthroughs, and significant investments in data visibility by the industry’s largest players.
• AI can deliver enormous benefits to supply chain and logistics operations, including cost reductions through reduced redundancies and risk mitigation, improved forecasting, faster deliveries through more optimized routes, improved customer service, and more.
• Legacy players face many substantial obstacles to deploying and reaping the benefits of AI systems, though, including data accessibility and workforce challenges.
• AI adoption in the logistics industry is strongly skewed toward the biggest players, because overcoming these major challenges requires costly investments in updating IT systems and breaking down data silos, as well as hiring expensive teams of data scientists.
• Although AI implementations are unlikely to result in large-scale workforce reductions in the near term, companies still need to develop strategies to address how workers' roles will change as AI systems automate specific functions.

 In full, the report:

• Details the factors driving adoption of AI systems in the supply chain and logistics field.
• Examines the benefits that AI can deliver in reducing costs and shipping times for supply chain and logistics operations.
• Explains the many challenges companies face in implementing AI in their supply chain and logistics operations to reap the benefits of this transformational technology.

Interested in getting the full report? Here are two ways to access it:

1. Subscribe to an All-Access pass to BI Intelligence and gain immediate access to this report and over 100 other expertly researched reports. As an added bonus, you'll also gain access to all future reports and daily newsletters to ensure you stay ahead of the curve and benefit personally and professionally. >>Learn More Now
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The average person spends roughly a third of their life sleeping. Whether or not they're getting quality sleep is a different story.

If you can't quite figure out gifts your friends and family will actually use while they're awake, giving them something that will improve their quality of sleep is a priceless alternative.

From simple items like cozy flannel sheets, travel pillows, and soothing herbal teas to special items like cell-repairing sheets and sleepwear, sleep-tracking smart mattresses, and sleep sound machines, the possibilities are in great abundance.

Whether you're shopping for a hard worker who could use some rest or someone who could be a professional napper, you'll find the sleep-aiding gift they've been dreaming of here. Most of these items are available for expedited shipping or will arrive within a few days.

Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

A pillow for sleeping on planes, trains, and anywhere else you can get a nap in

Ostrich Pillow Original, available in two colors on Amazon, $84.99

Though it looks pretty ridiculous, the Ostrich Pillow creates a personal space to make sleeping outside of your bed more comfortable. Whether sleeping on an airplane or under a desk during their lunch break, they'll be able to peacefully catch some Z's.

Comfortable Bluetooth sleeping headphones

AcousticSheep Wireless Bluetooth Sleep Headphones, available on Amazon, $99.95

Sleeping with normal headphones can be uncomfortable, and they'll likely come out in the middle of the night anyway. The AcousticSheep Bluetooth Sleep Headphones feature a wide headband design so the wearer can comfortably fall asleep listening to music or white noise.

A machine that plays soothing white noise and nature sounds

Sound+Sleep High Fidelity Sleep Sound Machine, available on Amazon, $82 (Originally $89.98) [You save $7.98]

The Sound+Sleep sound machine has the ability to play 30 sounds from different types of environments. With options like fireplace, waterfall, white noise, meditation, brook, rainfall, train, city, meadow, and ocean, everyone can find a sound that'll put them to sleep.

Many companies use the term artificial intelligence, or AI, as a way to generate excitement for their products and to present themselves as on the cutting edge of tech development.

But what exactly is artificial intelligence? What does it involve? And how will it help the development of future generations?

Find out the answers to these questions and more in AI 101, a brand new FREE report from Business Insider Intelligence, Business Insider's premium research service, that describes how AI works and looks at its present and potential future applications.

To get your copy of the FREE slide deck, simply click here.

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• Sixteen celebrity babies are on their way in 2019.
• Links to announcements, Instagram posts of the soon-to-be-moms and dads.
• One of the unborn babies already has 63k followers on Instagram.

There were so many celebrity babies born in 2018, and 2019 promises even more famous births. 

Here are all the celebrity babies that we can't wait to meet in 2019.

Kensington Royal Palace announced the most anticipated birth of 2019 on the Kensington Palace Instagram

Meghan Markle and Prince Harry will become parents in the spring of the new year. They've continued going on royal engagements since they shared the news and the public, as well as members of the royal family, have expressed their excitement. 

Jessica Simpson and her husband announced a a third pregnancy on Instagram

The couple will be welcoming a little girl, making them a family of five. 

Josh Peck of "Drake and Josh" fame will be a first-time dad in 2019

His wife, Paige O'Brien, announced she was pregnant on Instagram on August 23.

Carrie Underwood is pregnant with her second child, due in 2019

She and husband Mike Fisher also have a son, 3-year-old Isaiah. Underwood announced that the baby was another boy during her hosting gig at the Country Music Association Awards earlier this year. 

Comedian Amy Schumer and her chef husband, Chris Fischer announced that they will become parents in 2019

Amy showed off herpregnancy for the first time via Instagram, sharing a photo of her sonogram while encouraging folks to vote in the caption. She's also made headlines for her honest social media posts about pregnancy, postingan Instagram video showing her with morning sickness before going onstage for a show.

The controversial "The Bachelor" contestant Arie Luyendyk Jr. and fiancée Lauren Burnham announced they would be first-time parents in 2019

The couple is also getting married in 2019 before the baby is born. Baby Luyendyk already has 64.6k followers.

Another "The Bachelor" alum Bekah Martinez announced that she and her boyfriend, Grayston Leonard, will be parents in 2019

She took toYouTube to share a six-minute video with the news. She recently shared a triumphant Instagram post celebrating completing her first term back at The University of California Irvine while seven months pregnant. 

Alfonso Ribeiro, who played Carlton Banks on "Fresh Prince of Bel Air," took to social media to announce that he and wife Angela Unkrich are expecting their third child together in the spring of 2019

He posted a picture of Angela with their two children, Anders Reyn and Alfonso Lincoln, all sporting bumps.

Victoria's Secret Angel Lily Aldridge revealed that she and her husband, Kings of Leon front-man Caleb Followill, are expecting their second child in 2019

They've been married for seven years, and have a daughter named Dixie who is 6.

Benedict Cumberbatch and wife Sophie Hunter are going to be parents for the third time

They have two sons, Hal and Kit.

Richard Gere and his new wife Alejandra Silva, who got married in 2018, are expecting a baby in 2019

This is their first child together, each has another with previous partners. Alejandra has posted a bump picture on Instagram, confirming the baby will be born in 2019.

Irish UFC lightweight champ Conor McGregor will become a second-time dad with his girlfriend of a more than a decade, Dee Devlin

Baby #2 will join Conor Jr.

Robin Thicke and April Love Geary announced that their second baby is due on Thicke's birthday — March 10

The couple also announced that they would be expecting a second baby girl.

"Jersey Shore" star Deena Nicole Cortese is pregnant with her first child.

The reality TV star and new husband Chris Buckner announced the news on Instagram. She is included on this list, though it's worth noting the baby could be born in late 2018. 

Deena's fellow "Jersey Shore" meatball, Nicole (Snooki) Polizzi is also expecting— with her third baby

Snooki announced on Thanksgiving that she was expecting a third baby with her husband Jionni LaValle. This announcement came after fans watched Snooki take a pregnancy test in a CVS and get a negative on "Jersey Shore: Family Vacation."

Jason Aldean and his wife Brittany Kerr announced their second pregnancy in July

Shortly after, Brittany shared a gender reveal video confirming that they are having a girl. Baby girl Aldean will be the little sister to Memphis, who is 7 months old.

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Most of us listen to music in some capacity and can say we like it.

But there are the people who just listen casually to whatever happens to be on the radio, and then there are the people who spend hours carefully curating playlists, filling their calendars with concerts to attend, and even playing music themselves.

This gift guide is for the latter group, who argue that they don't just like music, they love it. 

To fuel their passion, you can gift something that elevates the listening experience, teaches them something new about music, or puts them right in front of their favorite singer. 

Shop these 17 gifts for music lovers below. 

Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

SEE ALSO: All of Insider Picks' holiday gift guides, in one place

A diagram of famous guitars

A Visual Compendium of Guitars 18"x 24" Print, $30, available at Pop Chart

Can they identify all the guitars held by famous rockers in this eye-catching print? They'll find the musical companions of  Jimi Hendrix, Tom Petty, Kurt Cobain, and Joan Jett, among many other iconic musicians. 

A limited-edition Taylor Swift instant camera

Fujifilm Taylor Swift Limited Edition Instax Film Camera with Square Instant Film Bundle, $199.95, available at Amazon

This camera design is inspired by Taylor Swift's "Reputation" album and has the singer written all over it (literally — it features her autograph on both the back of the camera and the borders of the prints). The die-hard fan in your life can bring the portable camera to all their concerts to immortalize the experience. 

A vinyl record membership

3-month Gift Membership, $99, available at Vinyl Me, Please

Vinyl record owners experience no greater joy than when they get to add to their collection and play a new record for the first time. Your recipient will choose from three different types of tracks each month and will also receive extra goodies in each package. The three-month membership includes one bonus record. 

• Life insurance is fundamentally hard to sell; it’s morbid to think about, promises no immediate rewards, and often requires a lengthy paper application with minimal guidance.
• Despite the popularity of personalized products in other areas of finance and fintech, life insurance largely remains unchanged.
• A small, but growing pocket of insurtech startups are shaking up the status quo by finding ways to digitize life insurance and increase its appeal.

Life insurance is a fundamentally difficult product to sell; it requires people to think about their deaths without promising any immediate returns.

And, despite tech innovations and the development of personalized services in other areas of finance, life insurance remains largely unchanged.

Luckily, there is a small but growing pocket of insurtech startups looking to modernize it. These companies are finding ways to digitize life insurance to  appeal to consumers — and they’re giving incumbents the opportunity to revamp traditional offerings, either by partnering with them or using their technology.

Business Insider Intelligence, Business Insider's premium research service, has forecasted the shifting landscape of life insurance in the The Future of Life Insurance report. Here are the key problems insurtechs are tackling:

• Lack of education: Forty percent of US consumers told the Life Insurance and Market Research Association (LIMRA) that they feel intimidated by the life insurance application process, often drastically overestimating its cost and facing uncertainty about how much or which type of coverage to buy.
• Inconvenient application process: It can take weeks or months for coverage to take effect because of the sheer number of meetings and parties combing through paperwork in each round of the application process. The risk for the insurer often warrants reviews from the carrier, a team of underwriters, a broker, and even a medical examiner.
• Low customer loyalty: Life insurance tends to be a “set it and forget it” type of purchase, with very few people revisiting it after buying. Insurers and consumers therefore have limited contact for most of the relationship — with the exception of an annual bill, of course.
• Inefficient data management and processing: The aggregate data life insurers rely on is typically fed into algorithms that make broad assumptions about particular populations, and often incorporate outdated medical documentation — all of which can delay applications and result in unnecessary rejections.

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The need for modernization in life insurance is clear: Overall sales are slowing and policy ownership is hitting record lows. And because it’s such a tightly-regulated space, innovation from incumbents has stagnated — but they’re not helpless. Consumer-focused and insurer-focused startups have emerged to offer new technologies and process improvements.

The Future of Life Insurance report from Business Insider Intelligence looks at the two main strategies life insurtechs are adopting to drive change in this market, for the benefit of both buyers and sellers. In full, the report discusses best practices incumbents and startups should adopt to steer clear of the risks attached to applying emerging technologies to such a tightly regulated product.

Insurtech startups will soon set new industry standards and consumer expectations around this complex product. That, in turn will serve as a catalyst for innovation among legacy players.

Companies included in this report: Ladder, Haven Life, Getsurance, Tomorrow, Fabric, Atidot, AllLife, Royal London, Polly, Life.io, Legal & General, Vitality, Discovery, John Hancock, Dai-ichi Life.

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• At its earnings call on Monday, Oracle cofounder, chief technology officer, and executive chairman Larry Ellison said there's "no way" anyone would move from an Oracle database to an Amazon database.
• Amazon is trying to move off of Oracle databases, making some key progress this year when it switched off its largest Oracle data warehouse.
• Still, for a company so focused on moving off of Oracle's database, it's taking a long time, Ellison said. 

After Oracle reported its earnings Monday, Oracle founder Larry Ellison said on a call with analysts that he has no doubt that Oracle will stay dominant in the database market — and that Amazon Web Services, its foremost rival, is just "making all the noise."

"There's no way anyone would move from an Oracle database to an Amazon database," Ellison said during the earnings call. "It's too expensive."

Amazon itself is having trouble doing this, Ellison said. CNBC previously reported that Amazon has plans to completely move off Oracle's databases by 2020.

Earlier this year, Amazon Web Services CEO Andy Jassy tweeted that Amazon's consumer business will have 88% of its work on Oracle databases moved to Amazon's. Amazon CTO Werner Vogels also said in November that his best day at Amazon this year was when the retailer switched off its largest Oracle data warehouse and moved over to its own.

To that, Ellison said, nice try.

"[Amazon CEO] Jeff Bezos gave the command, 'I want to get off the Oracle database,'" Ellison said. "They've been working on this for a few years. It's taken Amazon, who's dedicated to doing that several years, and they're not there yet."

What's more, Ellison said, Amazon makes it a habit to take free, open-source databases it didn't create itself and just sell the software on its cloud.

Amazon's popular Aurora database is based on MySQL, an open-source database that anyone can download and use themselves. Indeed, some startups have taken issue with Amazon's habit of taking open-source software and packaging it as a paid service, and gone on the offensive.

Read more:Oracle’s revenue didn’t drop like Wall Street thought it would, and the stock jumps a little

Bashing each other in public is something of a recent tradition between Amazon and Oracle. In October, Ellison said onstage that Oracle's database is "infinitely" better than Amazon's at Oracle's annual conference and that the retailer is "about 10, 20 years behind in database technology."

Oracle reported an EPS of $0.80 on revenues of $9.56 billion, beating Wall Street estimates.

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• One of the stars of Netflix's hit ensemble series, "Orange is the New Black," has made new and explosive allegations on Australia's national broadcaster against the award-winning film and theater actor Geoffrey Rush.

• During a two year run of the stage play Diary of a Madman from 2010, Yael Stone alleges that Rush exposed himself, dancing naked in her dressing room, peppered her with sexually suggestive text messages, and attempted to spy on her in the shower.

• The star of "The King's Speech" has spent much of 2018 in court and is seeking damages for defamation from the newspaper that published recent allegations of inappropriate behaviour in the Sydney theatre scene.
• Stone told the ABC she is speaking publicly to help bring about change in the entertainment industry.

"Orange is the New Black" star Yael Stone has followed up with allegations first told to The New York Times on Sunday with an explosive 45-minute interview on Australia's national broadcaster detailing the alleged instances of inappropriate behavior by her former mentor Geoffrey Rush.

By airing allegations of sexual misconduct with the ABC and through The Times on Sunday night, the Australian-born actor is confronting both the power at the top of Australian theater as well as the country's upside-down libel laws.

Stone has alleged through both the Times and now the ABC that Rush "danced naked in front of her in their dressing room, used a mirror to watch her while she showered, and sent her occasionally erotic text messages while the two shared the stage 7 years earlier performing at Sydney's Belvoir Theatre in “The Diary of a Madman.” 

In the ABC interview, Stone recounted instances of inappropriate conduct, including when she was showering after a show, and caught Rush attempting to watch her from the shower adjacent.

"I looked up and saw a small shaving mirror being held over the top of the cubicle, to be used in a way to look down at my naked body," she told the ABC.

"I believe it was made in the spirit of a joke. The fact is it made me incredibly uncomfortable. I think I dealt with it by words to the effect of, 'bugger off, Geoffrey'."

Stone told the ABC she has come forward is speaking publicly to help compel change.

But that is easier said than done in Australia, where Rush, alongside the other Academy Award-winning Australian actor Cate Blanchett, completes a powerful double act that dominates the Australian theatre industry.

 A young Australian stage actor who had informally made a complaint late last year with the Sydney Theatre Co. over Rush's alleged “inappropriate behaviour,” has found this out to her own detriment, being called as the star witness in a defamation case derived from her own complaint to the theatre that employed both her and Rush.

The actor was later named as Eryn Jean Norvill, 34, who played Rush’s daughter Cordelia in the 2017 Sydney Theatre production of King Lear.

That entire unfortunate process — Rush is happily now awaiting the court's decision on just how many his millions in damages may be — could easily be seen as a black eye for the transparency needed to ensure movements like #MeToo survive the various bureaucratic setbacks and booby traps hidden inside legal and social systems worldwide.

Stone's allegations span 2010 and 2011 and since then the actor said she has spent many "long, dark nights of the soul" deciding what to do.

Not just for her career, or the careers of those who face similar burdens. The reality for Stone and others like her is that she still faces an Australian legal system where the burden of proof in defamation is on the publisher to prove that the allegations against the plaintiff are true, not the reverse as it is almost everywhere else.

Rushing for a change of atmosphere

Rush, has himself spent much of 2018 in court, suing a national newspaper for defamation following allegations of sexual harassment put forward by another young female stage actor.

The Daily Telegraph published several front-page stories at the end of last year, wherein Rush was lampooned for behaviors similar to those allegations made by Stone on Sunday.

Enter the New York Times, where Stone and the publishers live in a world where the legal burden is on the person who claims to have been defamed: He or she must prove that the allegations are false.

And in the states, people who sue must prove that the publisher acted with reckless disregard of the truth, even if the statements prove false.

In Australia, it’s the opposite: The burden is on the publisher to prove that the allegations against the plaintiff are true. Where it might get freshly murky of course is that The New York Times is read in Australia and publishes to Australian readers via its website, so while libel litigation in this case might be unlikely, it would be informative to media-law buffs.

The 67-year-old Rush might be hard to picture, but he is a multiple Golden Globe winning actor (1997, 2005) and plays Captain Barbosa opposite Johnny Depp in "The Pirates of the Caribbean" series.

In Australia he is a legend. Australian of the Year in 2012, a year after Stone alleges the harassment took place.

In a statement to The Times, Rush roundly rejected the allegations.

"From the outset I must make it clear that the allegations of inappropriate behaviour made by Yael Stone are
incorrect and in some instances have been taken completely out of context," he wrote.

"However, clearly Yael has been upset on occasion by the spirited enthusiasm I generally bring to my work."

Rush's full statement is available here.

At the timer, Stone admitted that she didn't complain to director Neil Armfield or confront Rush, as a 25-year-old finding her way into a career that she sought desperately to protect.

Even hinting at what was happening, might sidetrack the production, she said.

"Are they going to cancel the show? Are they going to refund all those tickets? Are they going to boot him and keep me? No-one is there to see me! What happens to the New York season?'," Stone told the ABC.

As Rush's court case played out favorably in the media spotlight last year, Stone told The Times that she "swore" to stay in the shadows.

"I would never come forward. My intention was to keep it private."

But after Rush failed to reply to an empathetic email Stone wrote on December 11, last year, under the subject, “Challenging times,” the penny dropped.

Stone told the ABC that she has weighed the pros and cons of coming forward, but decided that in the end what happened is "in the public interest."

"Whenever women, particularly, speak about issues like this, their career generally suffers. I've factored that into my calculations and if that happens I think it's worth it."

Rush has told the ABC that the allegations of inappropriate behaviour are incorrect, but sincerely regretted if his "spirited enthusiasm" had caused any distress.

SEE ALSO: Michael Bloomberg suggests doubts about #MeToo movement and allegations against Charlie Rose

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This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here.

Regtech solutions seemed to offer the solution to financial institutions' (FIs) compliance woes when they first came to prominence around 24 months ago, gaining support from regulators and investors alike. 

However, many of the companies offering these solutions haven't scaled as might have been expected from the initial hype, and have failed to follow the trajectory of firms in other segments of fintech.

This unexpected inertia in the regtech industry is likely to resolve over the next 12-18 months as other factors come into play that shift FIs' approach to regtech solutions, and as the companies offering them evolve. External factors driving this change include regulatory support of regtech solutions, and consultancies offering more help to FIs wanting to sift through solutions. Startups offering regtech solutions will also play a part by partnering with each other, forming industry organizations, and taking advantage of new opportunities.

This report from Business Insider Intelligence, Business Insider's premium research service, provides a brief overview of the current global financial regulatory compliance landscape, and the regtech industry's position within it. It then details the major drivers that will shift the dial on FIs' adoption of regtech over the next 12-18 months, as well as those that will propel startups offering regtech solutions to new heights. Finally, it outlines what impact these drivers will have, and gives insight into what the global regtech industry will look like by 2020.

Here are some of the key takeaways:

• Regulatory compliance is still a significant issue faced by global FIs. In 2018 alone, EU regulations MiFID II and PSD2 have come into effect, bringing with them huge handbooks and gigantic reporting requirements. 
• Regtech startups boast solutions that can ease FIs' compliance burden — but they are struggling to scale. 
• Some changes expected to drive greater adoption of these solutions in the next 12 to 18 months are: the ongoing evolution of startups' business models, increasing numbers of partnerships, regulators' promotion of regtech, changing attitudes to the segment among FIs, and consultancies helping to facilitate adoption.
• FIs will actively be using solutions from regtech startups by 2020, and startups will be collaborating in an organized fashion with each other and with FIs. Global regulators will have adopted regtech themselves, while continuing to act as advocates for the industry.

In full, the report:

• Reviews the major changes expected to hit the regtech segment in the next 12 to 18 months.
• Examines the drivers behind these changes, and how the proliferation of regtech will improve compliance for FIs.
• Provides our view on what the future of the regtech industry looks like through 2020.
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• During his fateful interview with FBI agents at the White House in January 2017, then-National Security Advisor Mike Flynn was given numerous opportunities to describe his prior conversations with Russian Ambassador Sergey Kislyak, according to new FBI interview notes released Monday.
• Flynn pleaded guilty last December to lying to the FBI agents about those conversations with Kislyak.
• The FBI's official interview notes — known as 302s – were filed by special counsel Robert Mueller’s team in federal court in Washington DC, where Flynn is scheduled to be sentenced Tuesday.

During his fateful interview with FBI agents at the White House in January 2017, then-National Security Advisor Mike Flynn was given numerous opportunities to describe his prior conversations with Russian Ambassador Sergey Kislyak, according to new FBI interview notes released Monday.

In each instance, Flynn denied that he had spoken to Kislyak about Russian sanctions or a pending UN resolution on Israel.

Flynn pleaded guilty guilty last December to lying to the FBI agents about those conversations with Kislyak.

The FBI interview notes — known as 302s – were filed by special counsel Robert Mueller’s team in federal court in Washington DC, where Flynn is scheduled to be sentenced Tuesday. The judge in the case ordered the filing of the redacted documents because he deemed them relevant to sentencing.

In in a memo released last week prior to sentencing on Tuesday, Flynn's attorneys claimed that agents never told him that lying to the FBI was a crime, the Associated Press reported.

"A sitting National Security (Adviser), former head of an intelligence agency, retired Lieutenant General, and 33-year veteran of the armed forces knows he should not lie to federal agents," prosecutors fired back.

"He does not need to be warned it is a crime to lie to federal agents to know the importance of telling them the truth."

SEE ALSO: Mueller says the FBI is not to blame for Michael Flynn's false statements

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The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we may get a share of the revenue from your purchase.

Based on our team's collective experience, gifting someone a book — especially a long, adventurous, exhilarating series — has an effect that can span years and, sometimes, even lifetimes. They provide hours of enjoyment and imagination, and they help create opportunities for kids to both spend time alone and connect with friends over shared interests.

Below are twelve of the best series you can gift a young adult, from timeless classics to exciting newcomers that have inspired upcoming or already released major motion pictures and series, providing aspects of fandom they can enjoy post-reading. 

Captions provided by Amazon and edited for length.

Looking for more gift ideas? Check out all of Insider Picks' holiday gift guides for 2018 here.

"Inheritance Cycle" by Christopher Paolini

"Inheritance Cycle" 4-Book Boxed Set, $41.74

"Inheritance Cycle" is the unforgettable, worldwide best-selling saga of one boy, one dragon, and a world of adventure. When Eragon finds a polished blue stone in the forest, he thinks it's the lucky discovery of a poor farm boy. But when the stone brings a dragon hatchling, Eragon soon realizes he has stumbled upon a legacy nearly as old as the Empire itself. Overnight his simple life is shattered, and he and his dragon, Saphira, are thrust into a perilous new world of destiny, magic, and power. Can Eragon take up the mantle of the legendary Dragon Riders? The fate of the Empire may rest in his hands...

Plus, when they’re done with these four, there’s a new book from Paolini being released December 31, 2018 after a seven-year gap.

"Harry Potter" by J.K. Rowling

"Harry Potter" Paperback Box Set, $52.16

The "Harry Potter" series has been hailed as “one for the ages” by Stephen King and “a spellbinding saga" by USA Today. The New York Times called “Harry Potter and the Deathly Hallows” the “fastest selling book in history.” This is the ultimate Harry Potter collection for Harry Potter fans of all ages, books one through seven. You can also get them in hardcover for $72.27.

"The Hunger Games" by Suzanne Collins

"The Hunger Games" Trilogy, $26.44

The extraordinary, groundbreaking New York Times best sellers “The Hunger Games” and “Catching Fire”, along with the third book in The Hunger Games trilogy by Suzanne Collins, “Mockingjay,” are available in a beautiful boxset edition. The collectible also comes with new foil covers, more than 50 pages of bonus material, and the most extensive interview Suzanne Collins has given since the publication of “The Hunger Games”.

• Artificial intelligence (AI), robotics, and self-driving technology are helping the transportation and logistics industry finally transform by cutting costs, optimizing delivery routes, and automating mundane tasks.
• Startups will be the lynchpin of this transformation because they specifically target areas of need  with cutting-edge solutions.
• Business Insider Intelligence examined the top 5 startups within five key areas: digital freight services, warehouse robotics, AI for supply chain management, last-mile delivery robotics, and self-driving car software.

Transportation and logistics industries have operated largely the same way for decades. But the surge in e-commerce in the last several years, combined with consumers’ appetite for same-day delivery, has brought us to a tipping point.

Delivery companies are doing all they can to get orders to customers’ doors as quickly as possible, which has facilitated wholesale changes in how they operate.

Cutting-edge digital solutions (including digital freight services, warehouse robotics, AI for supply chain management, delivery robotics, and autonomous driving software) are forcing traditional delivery companies to either evolve or see their core businesses erode.

Transportation & Logistics Startups to Watch, a new report from Business Insider Intelligence, monitors the biggest change agents in the industry to offer unique insight into the development of the transportation and logistics space at large, and shows how traditional companies are adapting to their new environment.

Want to Learn More?

Business Insider Intelligence's Startups to Watch reports give a high-level overview of the funding trends for startups in a particular coverage area, as well as a list of key startups (by function, what they do, key news, and statistics). Businesses need to understand new competitive threats, technologies, and acquisition opportunities in order to thrive. These reports provide that contextual information in an easy-to-digest manner.

In full, the Transportation & Logistics Startups to Watch report dives into the top 25 companies - five startups across five key disruption areas - that are easing shipping burdens, improving order fulfillment efficiency, optimizing delivery, and automating processes.

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This is a preview of a research report from Business Insider Intelligence, Business Insider's premium research service. To learn more about Business Insider Intelligence, click here. Current subscribers can read the report here.

Consumers are finally starting to adopt smart home devices, with nearly 60% owning at least one device. This presents an opportunity for e-commerce companies to enter the smart home and encourage purchasing through the devices.

The smart speaker has become the face of the smart home in many ways, attracting the lion’s share of attention as companies look for ways to take advantage of the growing platform. But there’s a problem: Consumers aren’t using the smart speaker to actually buy products very often.

Instead, one of the clearest opportunities outside of the smart speaker is home goods and grocery replenishment through large appliances. Smart devices in the home — especially appliances — can take advantage of built-in sensors to either tell consumers when they need to buy more of a product, or make that purchase autonomously. This will create an opportunity for appliance manufacturers, e-commerce vendors, and product suppliers to ink supply agreements to meet consumers' needs.

In this report, Business Insider Intelligence examines several areas of opportunity for e-commerce companies to leverage smart home technologies to provide new and better services to their customers. First, we explore how smart appliances, including connected dishwashers and laundry machines, are building on one-click purchasing systems to enable automated replenishment. We then discuss the smart fridge and detail how apps, cameras, and voice assistants are enabling takeout and grocery delivery through these appliances. Finally, we examine the role of the voice interface beyond smart speakers as it relates to purchasing products in the home, and how omnipresent voice will be used to organize and interact with automated services.

The companies mentioned in this report are: Amazon, Blue Apron, Costo, GE, Google, Instacart, Keurig, KitchenAid, LG, Ocado, P&G, Plated, Reynolds, Samsung, Target, Walmart, Whirlpool.

 Here are some key takeaways from the report:

• Companies have a clear opportunity to leverage sensors, cameras, and connectivity in a variety of home appliances to revolutionize the way consumers buy home goods.
• Smart appliance manufacturers, e-tailers, and CPG companies will be able to collaborate and partner to develop new methods of resupplying consumers' homes.
• The smart fridge will transform into the hub of the kitchen and become the autonomous organizing device that oversees grocery purchasing and food delivery.

In full, the report:

• Provides an overview of the key players and types of products in the smart appliance space.
• Highlights the models that companies can adopt to take advantage of the developing sector.
• Identifies the key services that will boost automated e-commerce engagement in the home.

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• Mick Mulvaney, President Donald Trump's new acting chief of staff, once believed there could be more undiscovered audio tapes and video footage of unflattering comments made by Trump.
• "My guess is worse stuff is going to come out in the last 30 days," Mulvaney said in an interview in October 2016, days after the release of the bombshell "Hollywood Access" tape. "They've got more video tapes. Everything the guy's ever said is on a video tape or an audio tape. There's going to be some atrocious things that are going to come out."
• Mulvaney said, despite his concerns, he believed supporting Trump was for the greater good of the GOP. But he was apparently baffled by the state of politics during the 2016 election, likening it to an alternate universe.

Mick Mulvaney, President Donald Trump's new acting chief of staff, once believed there could be more undiscovered audio tapes and video footage of unflattering comments made by Trump, according to an interview he gave in October 2016.

Mulvaney, a former Republican representative of South Carolina, reiterated his previous endorsement for Sen. Rand Paul of Kentucky, a former Republican candidate for the 2016 presidential election, adding that he "was never a Donald Trump guy," according to an interview he gave with the South Carolina-based "Jonathan and Kelly Show."

"When I signed up with Donald Trump, I signed up with Donald Trump for one primary reason — which is that he was running against Hillary Clinton," Mulvaney said in the interview, which was reported by CNN on Monday. "And that is still who he's running against."

Read more:Trump reportedly grew frustrated no one wanted to be his chief of staff before settling on Mick Mulvaney

Mulvaney also discussed the bombshell "Hollywood Access" audio recording in which Trump was heard saying lewd comments about women in 2005. Days before Mulvaney gave the interview, the tape's existence was first made public by The Washington Post and was widely believed to be a focal point in a contentious presidential election.

"My guess is worse stuff is going to come out in the last 30 days," Mulvaney said. "They've got more video tapes. Everything the guy's ever said is on a video tape or an audio tape. There's going to be some atrocious things that are going to come out."

Mulvaney said, despite his concerns, he believed supporting Trump was for the greater good of the GOP. But he was apparently baffled by the state of politics during the 2016 election, likening it to an alternate universe.

"Should either of these people be a role model for my 16-year-old triplets? No," Mulvaney said, referring to Trump and Clinton. "In an ordinary universe with [sic] both of these people's past activities disqualify them from service for office? Yes."

"But that's not the world we live in today," Mulvaney added. "The world we live in today is either him or her. And for me, that's still an easy choice."

Read more: Trump's newest chief of staff called him a 'terrible human being' days before he won the presidency

Mulvaney's interview comes after another unearthed audio recording that once placed him at odds with Trump. Days before the presidential election, Mulvaney described Trump as a "terrible human being" and one "of the most flawed human beings running for president in the history of the country," during a debate with a Democratic opponent running for his House seat.

Last week, Mulvaney was selected to replace chief of staff John Kelly and serve as acting chief of staff.

"I look forward to working with him in this new capacity as we continue to MAKE AMERICA GREAT AGAIN!" Trump tweeted on Friday.

Mulvaney tweeted his thanks to Trump, following the announcement.

"This is a tremendous honor," Mulvaney said on Twitter. "I look forward to working with the President and the entire team. It's going to be a great 2019!"

Mulvaney took on numerous roles in the Trump administration and is widely seen as a fiscal conservative willing to cut federal spending. Mulvaney will not resign as the director of the Office of Management and Budget, "but will spend all of his time devoted" to his new role as acting chief of staff, White House press secretary Sarah Huckabee Sanders said in a statement.

SEE ALSO: Trump reportedly grew frustrated no one wanted to be his chief of staff before settling on Mick Mulvaney

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• Jordan Peterson, a Canadian professor who frequently rails against political correctness on YouTube, says that he's planning to launch an alternative to crowdfunding platform Patreon before Christmas.
• The announcement comes as Patreon has been losing users and patrons following the banning of a high-profile YouTuber belonging to the "Intellectual Dark Web."
• Peterson and those in his circle have seen subscriber losses between 10% and 20%.

Jordan Peterson, a Canadian professor who has built a reputation for fighting against "political correctness" and "cultural Marxism," and conservative comedian and pundit Dave Rubin announced Monday that they would launch an alternative to crowdfunding website Patreon following the removal of several high profile conservative users of the service.

In a discussion posted to YouTube Monday afternoon, Peterson said that he and his collaborators would launch a Patreon alternative "hopefully before Christmas."

"I’ve been working on a system to allow authors and other people who engage publicly on intellectual issues to interact more effectively with their readers and viewers and listeners," said Peterson. "What we’re going to try and do as fast as we possibly can is to set this system up on a subscriber model that’s analogous to Patreon. It will have a bunch of additional features, which I don’t want to talk about right now, and I don’t want to overpromise because the system is new."

Peterson and Rubin were reacting to a series of bans that have taken place on Patreon

Last week, Vice News reported that Patreon had barred fringe conservative Milo Yiannopoulos after he attempted to use the platform to fund a "magnificent 2019 comeback" tour. Patreon said the decision was based on Yiannopoulos' association with the Proud Boys, which it classifies as a hate group. 

A day later, Patreon barred Carl Benjamin, a YouTuber known as Sargon of Akkad who grew to prominence through his videos attacking feminism and identity politics. Patreon says Benjamin used "racial and homophobic slurs to degrade another individual." He has since accused Patreon of political bias on his YouTube channel, which has more than 867,000 subscribers.

Read more: Sam Harris deleted his Patreon account, accusing the crowdfunding membership platform of 'political bias' 

Following Benjamin's ban, Peterson posted to Patreon to express his displeasure, making an initial announcement that he was considering the creation of an alternative: "Dave Rubin and I (and others) have been discussing the establishment of a Patreon-like enterprise that will not be susceptible to arbitrary censorship, and we are making progress, but these things cannot be rushed without the possibility of excess error. But I am seriously displeased about the removal of Sargon (and many other people) and will definitely do something about it."

On Sunday evening, author and podcaster Sam Harris, who occupies the same constellation of controversial thinkers as Peterson and Rubin — described as the "Intellectual Dark Web"— became one of the largest figures to rebel against the platform. Harris announced on Twitter that he was leaving Patreon as a result of the platforms "political bias."

"Although I don’t share the politics of the banned members, I consider it no longer tenable to expose any part of my podcast funding to the whims of Patreon’s 'Trust and Safety' committee," wrote Harris.

Harris' publicist says he has no intention as of yet to join the new platform, referring to a section of Harris' statements where he solicits subscriptions directly through his website. 

Patreon brings in significant revenue for some

For the figures in Peterson's realm, who are well-known for pushing against what they see as a culture of encroaching political correctness, Patreon has been a lucrative revenue stream. 

According to Graphtreon, a site that tracks Patreon statistics, Harris had nearly 9,000 paying patrons at the end of November when he had the fourth-largest podcast account and the 11th-largest account overall. The site estimated that Harris made $23,000 to $65,000 from Patreon per episode.

Peterson had 8,568 patrons at the end of November, with sixth-largest video account and the fourteenth-largest account overall. It's estimated that Peterson made $15,000 to $67,000 from Patreon per month. 

Peterson and Rubin both say that they have lost followers after users begin to protest the removal of Benjamin among others, and the data supports that. Since November 30, Peterson has lost 12.4% of his subscribers according to Graphtreon. Rubin has lost 21.8%. 

In emails to users, Patreon noted user backlash to the removal of Benjamin. 

"I understand that some of your patrons have left due to the decision of Patreon to remove Sargon of Akkad's creator page from our site," the Patreon representative said in the email, adding, "We want to provide you with the tools to make your Patreon experience a successful one and keep you feeling supported whenever you may need."

For people losing over 10% of their subscribers that support is seemingly not enough.

Other platforms have attempted to free themselves of censorship

The idea of a new platform free of censorship, even when it comes to hate groups, appears to be novel in the crowdfunding space, but in other arenas, the idea has been iterated on with mixed results.

Perhaps the most recent example is the social media website Gab, which was created following a purge of fringe Twitter users in 2016. The site, which champions "free speech" as its primary value, quickly became "extremist-friendly," as The New York Times described it in October. The site has notably played host to neo-Nazi and White Nationalist users, including Pittsburgh synagogue shooter Robert Bowers.  

Other similar spaces, such as 4Chan, have yielded similar results. 

In the video announcement, Peterson didn't address the possibility of extremism on a censorship-free platform. Peterson did not reply to Business Insider's request for comment.

SEE ALSO: Proud Boys founder Gavin McInnes says he's been banned from YouTube over 'dos and don'ts of public urination' video

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Digital disruption is affecting every aspect of the fintech industry.

Over the past five years, fintech has established itself as a fundamental part of the global financial services ecosystem.

Fintech startups have raised, and continue to raise, billions of dollars annually, pushing incumbent financial institutions to get in on the action. Legacy players have begun using fintech to remain competitive in a rapidly evolving financial services landscape.

So what's next?

Business Insider Intelligence, Business Insider's premium research service, explores recent innovations in the fintech space as well as what might be coming in the future in our brand new exclusive slide deck, The Future of Fintech: How Fintech Is Taking Over The World and What Comes Next.

To get your copy of this free slide deck, click here.

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