NEW YORK /PRNewswire/ — As the new year begins, what will keep the world’s executives up at night?

CEOs globally rank intensified trade wars as the top geopolitical risk to their companies. They say tensions between the US, EU, and China will have the greatest geopolitical impact, according to a new survey from The Conference Board.  

When it comes to economic risks, leaders can’t seem to kick the recession jitters. Concern of an economic downturn remains high: 46% of CEOs globally identify it as a high-impact issue in 2025—down modestly from 53% in 2024.  

Amid geopolitical and geoeconomic tumult, more CEOs are strengthening their supply chains. Among US CEOs, 71% plan to alter their supply chains over the next 3-5 years—an increase from 54% in the 2024 survey.

CEOs also weighed in on AI. They say the biggest benefit has been workforce productivity, demonstrating AI’s ability to support workers rather than replace them…at least for now. However, many are struggling to integrate the technology because of talent concerns: 45% of CEOs globally say lack of expertise is the top challenge to implementing AI.

This year’s survey reflects the views of more than 1,700 executives, including over 500 CEOs. The survey’s participants—CEOs, C-suite leaders, and board directors—weighed in on the top business threats and opportunities in 2025. They were primarily from four regions: North America, Europe, Asia, and Latin America.

Highlights from C-Suite Outlook 2025 include:

GEOPOLITICS & TRADE

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CEOs say a global trade war and US-EU-China tensions are top geopolitical challenges in 2025

• Global instability and competition on the front burner: Amid talk of tougher trade policy, CEOs worldwide named US-EU-China tensions among the high-impact issues facing their business in 2025. That ranges from 34% of US CEOs to nearly 50% in Asia and Europe.
• Leaders remain focused on cyberattacks: 25% of CEOs and 36% of C-suite executives name it a high-impact issue in 2025. Fears of a foreign cyberattack rank high among risks CEOs fear most in the US (45%) and Europe (35%).
• Risks vary by region: Among economy-related geopolitical risks, CEOs cited higher energy prices (35%) as their top risk. That includes 47% of CEOs in Japan and Europe, and 36% of Europe’s CEOs also fearing energy supply risks. 

RECESSION

Recession tops the economic worry list: CEOs say it’s their #1 economic concern in 2025

• The fear of a downturn persists: Globally, 46% of CEOs identified a downturn/recession as a high-impact issue for 2025. That’s down modestly from 53% in last year’s survey.
• Recession is the top concern for all regions excluding Japan: Japan’s CEOs top concern is labor shortages (66%).

DEBT in the US

A ticking time bomb: US CEOs remain deeply worried about the nation’s debt

• Top concerns: An outsized 51% of US CEOs see US national debt and deficits, followed by decoupling or derisking from China, as the greatest external geopolitical concerns for their businesses.  
• Policy & globalization impacts: Regarding what they think will have the greatest impact, issues cited by US CEOs include US debt & deficits (38%), regulation (32%), protectionism (27%), corp. tax rates (22%), immigration (21%).

SUPPLY CHAINS

Supply chain resiliency gains momentum: More CEOs are planning to shake things up

• A big increase among US CEOs: 71% of US CEOs plan to alter their supply chains in the next 3-5 years. It’s a significant increase from 54% in last year’s survey.
• A big increase among Europe’s CEOs: 77% plan to alter their supply chains, an increase from 61% in 2024.
• The how—top changes being made to supply chains: CEOs across most regions—excluding the US—are using digital technology/AI to improve performance tracking as a primary goal. US CEOs chose vendor diversification.
• The why—top reasons for altering supply chains: Among the roughly 80% of CEOs looking to alter supply chains, most are doing so to lower costs and risk of supply chain disruptions.

ARTIFICIAL INTELLIGENCE

CEOs are struggling to integrate AI…mainly because they don’t have the right talent

• Lack of talent: Among CEOs globally, 45% say lack of expertise is the top challenge to implementing AI.
• Is worker resistance overblown? Only 9% of CEOs cite worker resistance as a top challenge to implementation.
• In what areas has AI made the biggest improvements? According to CEOs globally, workforce productivity (44%), customer satisfaction (25%), innovation (24%), operational resilience (18%), and ROI from marketing (12%).

ESG

As extreme weather events intensify, climate events are top of mind for CEOs globally

• Concerns/Risks: Among CEOs globally, 34% cite climate events as the top ESG factor impacting business. That’s second to only sustainability, cited by 39%.
• Priorities: When it comes to environmental priorities, there are stark regional differences.
  • Among CEOs globally, renewable energy tops the list.
  • US CEOs are most focused on climate resilience/adaptation.
  • Europe and Japan’s CEOs are most focused on carbon neutrality.
  • CEOs in other areas of Asia are most focused on renewable energy. 

PROFIT PLANS

Outside of Japan, few CEOs are looking to raise prices in 2025. Instead, the focus is on innovation, tech, and product development. 

• Innovation leads: Worldwide, 37% of CEOs say innovation is a top priority for growing profits, followed by introducing new products/services (29%) and investing in technology, including AI (26%).
  • Just 13% expect to increase prices. 
• Higher budgets for marketing tech: 37% of CEOs globally—including 57% in Europe and 31% in the US—say they plan to increase their marketing budgets by 10% or more on AI and data analytics to support the drive for profits. 

About The Conference Board
The Conference Board is the member-driven think tank that delivers Trusted Insights for What’s Ahead™. Founded in 1916, we are a non-partisan, not-for-profit entity holding 501 (c) (3) tax-exempt status in the United States. www.ConferenceBoard.org

SOURCE The Conference Board

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Annual ranking recognizes companies fostering inclusion and championing diversity based on anonymous employee feedback, public data, and third-party research.

SAN FRANCISCO /PRNewswire/ — Delta Dental of California and Affiliates, the leading dental insurance provider, has been recognized by Newsweek as one of America’s Greatest Workplaces for Diversity in 2025. This distinguished award is presented by Newsweek and Plant-A Insights Group to recognize U.S. companies across industries that prioritize fostering diversity and inclusive workplace cultures.

“Our people are our greatest asset,” said Brian Sherman, executive vice president and chief people officer of Delta Dental of California and Affiliates. “This recognition reflects our deep commitment to Diversity, Equity, and Inclusion programs that support and celebrate the unique perspectives and contributions of our employees.”

America’s Greatest Workplaces for Diversity is an annual ranking determined by a rigorous evaluation of public data, HR insights, and anonymous employee surveys. The list honors organizations with over 1,000 employees that demonstrate a meaningful commitment to offering distinctive company cultures inclusive of backgrounds and demographics, including age group, race, cultures, and sexual orientations. Research suggests about 80 percent of U.S. workers believe it’s important for companies to create inclusive cultures.

“As companies in the United States continue to navigate the evolving dynamics of the workplace, diversity remains a cornerstone of organizational success and social responsibility,” said Nancy Cooper, global editor in chief of Newsweek. “Newsweek and market-data research firm Plant-A Insights are proud to introduce ‘America’s Greatest Workplaces for Diversity 2025,’ highlighting companies committed to building inclusive workplaces.”  

Delta Dental of California received a rating of 4.5 out of 5 stars for its Diversity, Equity and Inclusion practices in 2024. The company has also been recognized with other Newsweek accolades, including America’s Greatest Workplaces 2023,  America’s Greatest Workplaces for Diversity 2023, and Americas Greatest Workplaces for Parents and Families 2023.

Delta Dental is committed to providing consistent, quality access to oral health care, improving education and driving lasting policy changes to address systemic issues. To learn more about what makes Delta Dental of California and Affiliates one of the best employers in the U.S., visit our career page.

About Delta Dental of California and Affiliates

Since 1955, Delta Dental of California and Affiliates has offered comprehensive, high-quality oral health care coverage to millions of enrollees and built the strongest network of dental providers in the country. The Delta Dental of California enterprise includes its affiliates Delta Dental Insurance Company, Delta Dental of Pennsylvania, Delta Dental of New York, Inc., as well as the national DeltaCare USA network, and provides dental benefits to more than 31 million people across 15 states and the District of Columbia.* All are members of the Delta Dental Plans Association based in Chicago, Illinois, the not-for-profit national association that through a national network of Delta Dental companies collectively covers millions of people nationwide. Delta Dental is a registered trademark of Delta Dental Plans Association.

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For more information about Delta Dental of California and Affiliates, please visit www.deltadentalins.com

*Delta Dental of California and Affiliates’ operating areas encompass Alabama, California, Delaware, Florida, Georgia, Louisiana, Maryland, Mississippi, Montana, Nevada, New York, Pennsylvania, Texas, Utah, West Virginia and the District of Columbia, as well as Puerto Rico and the Virgin Islands.

SOURCE Delta Dental of California

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It’s far too common: debt collectors overwhelming unsuspecting consumers with lawsuits, often for debts they don’t even owe. In the United States alone, millions face this daunting reality every year. Yet, a remarkable story emerged recently from Arizona that serves as a beacon of hope for those ensnared in predatory debt collection practices. This is the story of Anne Munoz, a retired school bus driver who found her voice and fought back.

First reported on 12 News Phoenix, Arizona. Read the article here: https://www.12news.com/article/news/investigations/i-team/debt-collector-filed-more-than-20000-lawsuits-maricopa-county-how-one-woman-fighting-back/75-47323880-62a9-4951-8880-626c027602c3

This story demands attention as we are committed to delivering vital information that empowers individuals who find themselves in the challenging situation of facing predatory debt collectors.

The Unfounded Lawsuit

In September 2024, Anne Munoz received shocking news: she was being sued by Portfolio Recovery Associates, a formidable debt collection agency, for over $2,700 allegedly owed on a computer she purchased in 2011. Upon being served the lawsuit, Munoz felt an instinctive sense that something was amiss. “When you come after me wrongfully, I’m going to make as much noise as possible, and that’s what I’ve done,” she declared. With unwavering resolve, she dived headfirst into researching her case and defending herself against what she knew was a baseless claim.

A Diligent Investigation

Anne may not be a lawyer, but her tenacity and research skills proved invaluable. As she delved deeper, she uncovered a startling detail: another “Anne Munoz” had been sued for the same debt, but this woman lived in Missouri—a state Anne had never even set foot in. “This is not my debt,” she stated firmly, reinforcing her commitment to clearing her name.

Understanding her rights, Munoz filed complaints with the Consumer Financial Protection Bureau, highlighting that Portfolio Recovery Associates was pursuing claims on a debt that was not only too old but also lacking sufficient documentation. Her assertions raised serious questions about the legitimacy of the lawsuit.

A Common Issue

Unfortunately, Anne’s experience is not an isolated incident. Debt collection lawsuits are all too frequent, with estimates ranging from 2.5 to 4.5 million filed against American consumers each year. In Maricopa County alone, Portfolio Recovery Associates has reportedly filed over 20,000 lawsuits since 2022. Alarmingly, a significant percentage of these cases—between 60% and 70%—often end in default judgment simply because consumers don’t respond, whether due to intimidation, confusion, or a host of other reasons.

Lester Bird from the Pew Charitable Trusts shed light on this troubling reality: “When most people aren’t engaging, the courts need to be a backstop for people to ensure that these cases are valid,” he emphasized. The urgency for reform, including better documentation requirements and support for consumers who self-represent, is clear.

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Dismissing the Case

On January 15, 2025, Anne Munoz received the news she had fought so hard for—her case was dismissed. Her determination serves as a testament to the power of advocacy and self-research. “I’m not an attorney, but I can read. I can do research, you know?” she reiterated, reminding us that knowledge is power, even if you’re fighting a giant.

A New Mission

But for Anne Munoz, victory is only the beginning. She is committed to helping others who find themselves in similar predicaments. “It’s not just me, there are other people,” Munoz shared, reflecting on the broader implications of her battle. Her story encapsulates the importance of fighting back against predatory practices and supporting those who may not have the resources or knowledge to do so.

Conclusion

Anne Munoz’s story is a powerful reminder that one person’s voice can resonate and effect change. It shines a light on the vulnerability many face when dealing with aggressive debt collection practices, and it encourages others to stand their ground when faced with unjust claims. If you or someone you know is embroiled in a debt-related legal battle, remember Anne’s journey—and know that you have the power to fight back.

In a world where debt collectors often win by default, let’s amplify voices like Anne’s and work toward a fairer system where justice isn’t solely reliant on the consumer’s response. It’s time to demand accountability, transparency, and integrity from debt collectors, and to lend a helping hand to those in need.

Read the story on 12 NEWS

https://www.12news.com/article/news/investigations/i-team/debt-collector-filed-more-than-20000-lawsuits-maricopa-county-how-one-woman-fighting-back/75-47323880-62a9-4951-8880-626c027602c3

Source: 12 News Phoenix

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