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Interest Rates Drop & Small Cap Stocks Pop On Wednesday – $AAPL $ADT $KRE $MODD $TSLA $XBI Rise!

By John F. Heerdink, Jr.
Quote of the Day “It’s your reaction to adversity, not adversity itself that determines how your life’s story will develop.” – Dieter F. Uchtdorf

Happy Wednesday!

I hope that you had a fantastic day as made my way to Scottsdale, Arizona to co-host a couple of Tribe Public CEO Presentation and Q&A Events on Thursday.

 As for the broad market indices, stocks across the board ended significantly in the green today as advancing issuers led declining issuers with a ratio of 9-2.  In concert, the yield curve finished the day lower for the second day in a row with the 2-yr note closing at 4.57%, -4bps and the 10-yr note yield closed at 4.20%, -3bps.

Today’s macroeconomic schedule also offered a couple reports including the Weekly MBA Mortgage Applications Index report that confirmed a .7% drop as purchase applications dropped 2%, while refinance applications also fell .2% wk/wk. The Weekly EIA Crude Oil Inventories report also showed a 3.17M barrel build. 

The US Dollar Index flat at $104.34 & the CBOE Volatility Index (^VIX) closed at $12.78, -3.47% on the day and hit a high of $13.34 during intraday trading.  Oil prices rose .48% to close at $81.74/bbl.

At the end of today’s session the Dow 30 closed at 39,760.08 (+1.22%). The S&P 500 closed at 5,248.49 (+.86%) with 11 sectors closing in the green as the utilities sectors up 2.8% & the real estate sector up 2.4% leading all.  The Nasdaq closed at 16,399.52 (+.51%), while Cathie Wood’s ARK Innovation ETF (ARKK) closed at $50.11, +.16%. The market leading mega cap Magnificent Seven closed as follows: Alphabet (GOOG) closed at $151.94, +.16%, Amazon (AMZN) closing at $179.83, +.86%, Apple (AAPL) closing at $173.31, +2.1%, Meta Platforms (META) closing at $493.86, -.41%, Microsoft (MSFT) closing at $421.43, -.06%, NVIDIA (NVDA) closing at $902.50, -2.50%, & Tesla (TSLA) closed at $179.83, +1.22%.  However, the small caps on the Russell 2000 were the story of the day as they closed at 2,114.35 (+2.13%).  

Biotech stocks on the SPDR S&P Biotech ETF (XBI) closed at $94.91, +2.40%. The 52-wk range is $63.80-$103.52.  The iShares Biotechnology ETF (IBB) closed at $137.79, +1.41%. The 52-range is $111.83 – $141.16. The iShares U.S. Healthcare ETF (IYH) closed at $61.90, +1.34%.  

The SPDR S&P Regional Banking ETF (KRE) closed at $50.02, +3.69% and the SPDR S&P Bank ETF (KBE) closed at $50.02, +3.69%. 

Around the crypto and precious metals’ tree, Bitcoin (BTC) traded to $69,053.94, -1.94% over the last 24 hours at the time of this writing, while Coinbase Global (COIN) closed at $256.70, -3.79%. The US Securities and Exchange Commission can proceed with its lawsuit against Coinbase Inc., the biggest US cryptocurrency-trading platform, claiming the company failed to register as a securities business, a federal judge in New York ruled.

Gold prices closed at $2,191.00, +$15/oz. & silver closed at $24.55, +$.16/oz. on the day.  The SPDR Gold Shares ETF (GLD) closed at $203.10, +.72% today and up 11.62% over the last year.  


Shares of Lantern (LTRN), an artificial intelligence (“AI”) company developing targeted and transformative cancer therapies using its proprietary RADR® AI and machine learning (“ML”) platform with multiple clinical stage drug program, closed at $9.78, -2.49% after hitting a new 52-wk high of $11.99 during Monday’s session.

On March 18 after the close, Lantern announced operational highlights and financial results for the fourth quarter and fiscal year ended December 31, 2023. Panna Sharma, President and CEO of Lantern Pharma started, “This past quarter and the entire year of 2023 was a period of meaningful and remarkable progress for our programs and our AI platform at Lantern Pharma. Our team demonstrated how combining emerging AI technologies, cancer biology models and experiments, chemical, molecular, and multiomic biomarker data, along with large-scale patient data holds the promise of transforming timelines and costs in drug development for oncology. We are very enthusiastic about 2024 and will be actively focused on meeting and possibly exceeding the milestones ahead of us, which include potential initial data from our LP-184 Phase 1A trial; advancing the new company born from AI – Starlight Therapeutics, which is focused wholly on CNS cancers; and progressing our ADC oncology program. Computational and AI-driven approaches are increasing their value-driving impact on oncology drug development, and our team continues to increase the capabilities and usefulness of our platform while also helping to de-risk and sharpen the focus of our existing clinical drug candidates. Our leadership in the innovative use of AI and machine learning to transform costs and timelines in the development of precision oncology therapies has guided three drug development programs in active clinical trials. We believe this pace of development with our focused team and resources should yield significant future benefits for investors and patients as our industry matures, adopts and accepts a data and AI-centric approach to drug development.”

On March 7, Lantern presented at a virtual conference being hosted by HCW. Lantern Pharma’s CEO, Mr. Panna Sharma, presentied via a fireside chat format at The 1st Annual Artificial Intelligence Based Drug Discovery & Development Virtual Conference, while addressing AI in drug discovery.  Mr. Sharma spoke about how RADR®, Lantern’s proprietary AI platform, is transforming the cost, pace, and timeline of oncology drug development.   

On March 5, Lantern announced a series of important milestones related to the development, size, and advancement of RADR® — its proprietary AI platform focused on transforming the cost, pace, and timeline of oncology drug development. Lantern highlighted the following:

  • The rapid growth of Lantern Pharma’s AI platform could lead to accelerated development of better treatments, greater precision in clinical development, and improved combination regimens with the potential for longer and more durable patient responses.
  • Lantern’s RADR® platform recently surpassed 60 billion data points and is planned to exceed 100 billion data points during 2024 and has been crucial in the expansion of the indications for drug candidate LP-184 and in the accelerated development of LP-284.
  • Lantern seeks to focus additional data growth efforts of the RADR® platform on: drug sensitivity data, combination treatment outcome data, and biomarker data in rare cancers, and on emerging synthetic lethal targets that are aimed at accelerating the development of new therapies for Lantern and its partners.
  • Lantern will also enhance the RADR® platform’s generative AI capabilities, focusing on molecular optimization and automated feature extraction to improve understanding and prediction of molecular dynamics, safety, and drug-drug interactions.

You can now view “How AI Has Lit A Revolution In Healthcare, Medicine, & Human Longevity “ on The Tribe Public Channel as Panna Sharma CEO Lantern Pharma was interviewed on Feb. 29. 

On Feb. 15, Lantern announced an important milestone in its antibody-drug conjugate (ADC) program. In collaboration with Bielefeld University, Lantern has generated a new class of highly specific and highly potent ADCs with a cryptophycin drug-payload.

This novel approach utilizes cysteine-engineered antibodies which allows for the development of uniform and homogenous ADCs with precise control of the drug to antibody ratio (DAR). The drug-payload, cryptophycin, has the potential to improve upon existing ADCs used in the clinical setting by: 1) improving the anti-tumor potency of the ADC molecule, and 2) overcoming drug resistance tumors can frequently develop to existing drug-payloads such as MMAE (Monomethyl auristatin E). The cryptophycin drug-payload and cryptophycin-ADC (CpADC) averaged an 80% cancer cell kill rate across the tested cancer cell lines and significantly outperformed MMAE.

In a broad range of preclinical studies, the cryptophycin-ADC (Cp-ADC) demonstrated promising picomolar level potency and anti-tumor activity in a wide range of solid tumors, including six cancer indications that are being further evaluated. These six indications include: breast, bladder, colorectal, gastric, pancreatic and ovarian cancer. Initial results (Figure 1) have also shown that in high Her2 expressing tumors, Cp-ADC with a DAR of 8 (Tras(C8)-Cp) and DAR of 4 (Tras(C4)-Cp) is more potent than an MMAE ADC with a DAR of 8. MMAE payloads are used in several commercially available anti-cancer ADCs, including Adcetris®, Polivy® and Enhertu®. Additionally, the Cp-ADC with a lower DAR (Tras(C2)-Cp) provides an equivalent tumor kill-rate to that of an MMAE-ADC with a DAR of 8. In a moderate Her2 expressing cell line, the Cp-ADC with a DAR of 8 (Tras(C8)-Cp) was about 10 times more potent than a DAR 8 MMAE-ADC.

The newly developed Cp-ADC showed highly efficient anti-tumor activity in all six cancer cell lines with EC-50 values in the picomolar to single-digit nanomolar range. Additional studies are now being developed to further validate and expand these findings and to obtain a better understanding of the genomic and biomarker correlates of payload efficacy across these tumors.

Kishor Bhatia, Ph.D., Lantern’s Chief Scientific Officer commented, “Our strategic, data-driven approach of utilizing cryptophycin as a highly potent and novel payload alongside the prioritization of biologically novel and relevant targets with scalable and efficient drug conjugate formats will help expand the repertoire and diversity of ADC opportunities.”

Lantern is also utilizing its AI platform, RADR® to further refine and understand other cancer targets, with a focus on prioritizing targets that are expressed across multiple tumor types or subtypes and have few or no therapeutic ADC options. Given the promise of cryptophycin as a payload, Lantern is also focused on the development and testing of two other cryptophycin-ADC molecules. For these selected targets, Lantern is in advanced discussions with potential partners and collaborators with the goal of generating proof-of-concept data for these additional ADCs and potentially other novel drug conjugate formats. Lantern expects to provide additional details on these studies and collaborations in the coming quarters. These efforts aim to improve ADC development for specific patient populations and potentially guide more effective future clinical treatments with less cost and greater efficiency than historical ADC drug development.

On Jan. 17, Starlight Therapeutics— a Lantern Pharma (Nasdaq: LTRN) subsidiary focused exclusively on the clinical development of therapies for central nervous system and brain cancers with limited or no effective therapeutic options— announced that Marc Chamberlain, M.D. has joined Starlight as its Chief Medical Officer. Dr. Chamberlain will oversee Starlight’s clinical operations, which currently include planned clinical trials for glioblastoma and other high-grade gliomas, brain metastases in adults, and atypical teratoid rhabdoid tumors (ATRT), and diffuse pontine glioma (DIPG) in children. In his role, Dr. Chamberlain will apply his significant medical, clinical, and pharmaceutical development expertise to advance Starlight’s AI-enabled and accelerated drug development portfolio. Dr. Chamberlain is a leading medical oncologist with an extensive and distinct background in therapeutic development, clinical practice, and academic research with a focus in adult and pediatric neurology and neuro-oncology. His experience before joining Starlight has included serving as the co-director of the neuro-oncology programs at 4 NCI designated cancer centers— Moores Cancer Center at UC San Diego, Norris Cancer Center at USC, Moffit Cancer Center at the University of South Florida, and Fred Hutchinson Cancer Center at the University of Washington. He has also served as medical director for Cascadian Therapeutics, Seattle Genetics, SystImmune, Angiochem, and Pionyr Immunotherapeutics. Dr. Chamberlain has published more than 300 neurology-focused papers in peer-reviewed journals. “Starlight Therapeutics and Lantern Pharma are poised to transform oncology with AI-enabled drug development aimed at providing advanced precision therapeutics for cancers in areas of severely unmet need, such as multiple types of pediatric and adult brain cancers, for which there is currently no cure,” said Panna Sharma, CEO and President of Lantern Pharma. “Dr. Chamberlain’s insight and expertise in neuro-oncology and therapeutic development will be invaluable to the further development of treatments already in the pipeline, and the discovery and development of new future treatments that are so desperately needed by cancer patients, especially in neuro-oncology.” Dr. Chamberlain earned his medical degree at the Columbia University College of Physicians and Surgeons, followed by pediatric and neurology residencies at the University of California, Los Angeles, and a neuro-oncology fellowship at the University of California, San Francisco. “Starlight, in collaboration with Lantern Pharma, is poised to advance its novel central nervous system (CNS) penetrant wholly synthetic acylfulvene, LP-184 (referred to as “STAR-001″ for CNS indications), to target tumors in the brain. We are now preparing for two recurrent glioblastoma studies as part of a larger planned expansion study to assess STAR-001 in subjects who have failed standard-of-care temozolomide and involved field radiotherapy. The development of STAR-001 for use in brain tumors has utilized Lantern’s proprietary RADR® platform of in silico modeling as well as extensive preclinical experimentation in multiple in-vitro and in-vivo models,” said Dr. Chamberlain. “I’m looking forward to working alongside the talented researchers and experts at Lantern and its collaborators at Starlight who have already done so much to advance these treatments. I look forward to working together with our collaborators and clinicians to bring these and many more innovative neuro-oncology treatments to the patients who need them.” Formed in Q1 of 2023, Starlight Therapeutics is leveraging RADR®— Lantern Pharma’s proprietary artificial intelligence and machine learning platform focused on transforming the cost, pace and timeline of oncology drug discovery and development— to research, develop and clinically advance therapeutics for CNS and brain cancers.

Shares of Indaptus Therapeutics, Inc. (Nasdaq: INDP) closed at $2.49, -10.11%. Indaptus is a company with the ability to harness both the body’s innate and adaptive immune responses, believes that they are uniquely positioned to revolutionize the treatment of cancer and certain infectious diseases. Indaptus Therapeutics has evolved from more than a century of immunotherapy advances. The Company’s novel approach is based on the hypothesis that efficient activation of both innate and adaptive immune cells and pathways and associated anti-tumor and anti-viral immune responses will require a multi-targeted package of immune system-activating signals that can be administered safely intravenously (i.v.). Indaptus’ patented technology is composed of single strains of attenuated and killed, non-pathogenic, Gram-negative bacteria producing a multiple Toll-like receptor (TLR), Nucleotide oligomerization domain (Nod)-like receptor (NLR) and Stimulator of interferon genes (STING) agonist Decoy platform. The products are designed to have reduced i.v. toxicity, but largely uncompromised ability to prime or activate many of the cells and pathways of innate and adaptive immunity. Decoy products represent an antigen-agnostic technology that have produced single-agent activity against metastatic pancreatic and orthotopic colorectal carcinomas, single agent eradication of established antigen-expressing breast carcinoma, as well as combination-mediated eradication of established hepatocellular carcinomas and non-Hodgkin’s lymphomas in standard pre-clinical models, including syngeneic mouse tumors and human tumor xenografts.

On Monday, March 25, Indaptus announced that Dr. Michael Newman, Founder and Chief Scientific Officer of Indaptus, will present a poster at the 2024 Annual Meeting of the American Association for Cancer Research (AACR) in San Diego on Wednesday morning, April 10th. An abstract of the data to be presented has been published online in the AACR Journal, Cancer Research. The data confirm and significantly extend the proposed mechanism of action of the Company’s proprietary platform technology of attenuated and killed, non-pathogenic bacteria containing multiple immune receptor agonists for pulsed anti-tumor immunotherapy.

Dr. Newman commented, “These new data demonstrate that our patented single agent Decoy bacteria were able to induce or activate multiple human innate and adaptive immune cell types involved in anti-tumor responses, including M1 macrophages, natural killer cells, dendritic cells, Th1 CD4, and CD8 T cells. The activity was associated with induction of human tumor cell killing by Decoy bacteria in the presence of immune cells. Potentially unacceptable toxicity from this breadth of immune activation is avoided by using systemically administered killed bacteria as a delivery vehicle. Bacteria have been shown to be cleared very quickly by immune organs, and our clinical data have demonstrated broad immune activation with clearance of the product within approximately two hours, validating our ‘pulse-prime’ hypothesis. This burst of immune system activation exhibited by Decoy has the potential to reduce the chance for toxicities associated with continuous drug exposure.”

Indaptus also highlighted the following:

  • Data demonstrates that Company’s Decoy platform successfully induces or activates multiple immune cell
    types involved in anti-tumor responses
  • New data shows activity in M1 macrophages, natural killer cells, dendritic cells, Th1 CD4, and CD8 T cells

Indaptus CEO presented in an open Q&A on Tribe Public’s Webinar titled, “Fully Engaging The Human Immune System To Cure Disease” on Wednesday, March 20, 2024. You can now watch the event video at the Tribe Public YouTube Channel at this link

On March 13, Indaptus announced financial results for the fourth quarter and fiscal year ended December 31, 2023 and provided a corporate update. Jeffrey Meckler, Chief Executive Officer of Indaptus, commented, “We are thrilled with the progress we made in 2023, which was capped off in November when we announced that our lead candidate, Decoy20, demonstrated a broad immune response in patients following a single dose in the first cohort of our ongoing phase 1 study. More recently, in March 2024, we announced positive results from our second cohort. In close consultation with an independent Safety Review Committee, we are now initiating a multi-dose cohort. Our objective in this next part of the Phase 1 trial is to determine the safety of Decoy20, with multiple doses administered to the same patient, which we believe could also potentially enhance anti-tumor activity across various tumor types. As we are encouraged by these initial findings and by the anti-cancer activity we observed from multi-dosing in our pre-clinical models, we look forward to continuing our efforts to demonstrate safety and efficacy. We remain prudent in managing our cash position and furthering our research in a cost effective and efficient manner.”

On Feb. 8, Indaptus announced the launch of a new social media initiative to provide education and updates about the company. Recognizing the importance of engaging with all stakeholders, Indaptus will generate content on a variety of digital platforms, including X (formerly known as Twitter) and LinkedIn. The launch of these channels signifies Indaptus Therapeutics’ commitment to transparency, knowledge-sharing, and a desire to stay connected with its stakeholders. The company will utilize these platforms to provide updates on its research, share educational content about cancer immunotherapy, and offer a behind-the-scenes look at its team and scientific progress. The company invites all interested parties, including patients, researchers, and the general public, to join the conversation and stay informed about the company’s promising strides in cancer and viral infection treatment.

On Jan. 4, Indaptus announced that the European Patent Office (EPO) has informed the company that it will grant a European patent related to the company’s platform technology, covering a composition that can be used in the prevention or treatment of viral infections. The patent, titled “Methods of Treatment of Infections Using Bacteria,” (Application 19 866 580.4) provides protections for the application of the Company’s Decoy technology platform alone or in combination with standards of care for the prevention or treatment of any viral infection. The EPO patent will be the second patent granted to Indaptus outside the United States for this application. Jeffrey Meckler, Indaptus Therapeutics CEO, commented, “The continued protection of our intellectual property both in the U.S. and abroad will provide a competitive advantage for the Company, which should ultimately drive significant shareholder value over time. We continue to explore the applications of our technology platform beyond solid tumors, for which we are currently engaged in a Phase 1 clinical trial, and look forward to updating our shareholders on scientific progress.”

Shares of ADT Inc. (ADT), a leading provider of monitored security and automation solutions for residential and small business customers in the United States and Canada, closed at $6.73, +3.86%.

On March 6, ADT announced the pricing of a secondary public offering of 65,000,000 shares of the Company’s common stock held by certain entities managed by affiliates of Apollo Global Management, Inc. (the “Selling Stockholders”) at a price to the public of $6.50 per share. The offering is expected to close on March 11, 2024, subject to satisfaction of customary conditions.The underwriters will have a 30-day option to purchase up to an additional 9,750,000 shares of common stock from the Selling Stockholders. The Company is not selling any shares and will not receive any proceeds from the offering. In addition, ADT has authorized the concurrent purchase from the underwriters of 15,000,000 shares of common stock as part of the secondary public offering (the “Share Repurchase”) subject to the completion of the offering. The Share Repurchase is part of the Company’s existing $350 million share repurchase program. The underwriters will not receive any underwriting fees for the shares being repurchased by the Company. Morgan Stanley, Barclays, Apollo Global Securities and RBC Capital Markets are acting as book-running managers for the offering. BNP PARIBAS, Deutsche Bank Securities, Mizuho, Goldman Sachs & Co. LLC, MUFG, BMO Capital Markets, BTIG and Raymond James are acting as joint book-runners for the offering. Berenberg, Fifth Third Securities, Academy Securities, Bancroft Capital and Siebert Williams Shank are acting as co-managers for the offering.

Shares of Seanergy Maritime Holdings Corp. (SHIP) closed at $8.42, -2.55%. Seanergy is known as a leading player in the global shipping industry, being the only pure-play Capesize ship owner publicly listed in the U.S. The company specializes in Capesize shipping, representing the largest dry bulk carriers globally. Seanergy’s operating fleet currently consists of 17 vessels (1 Newcastlemax and 16 Capesize), with an average age of approximately 12.7 years and an aggregate cargo-carrying capacity of approximately 3,054,820 deadweight tons (dwt). The company is incorporated in the Marshall Islands and has executive offices in Glyfada, Greece.  On March 15, Seanergy announced its financial results for the fourth quarter and twelve months ended December 31, 2023. The Company also declared a regular quarterly cash dividend of $0.025 per common share and a special cash dividend of $0.075 per common share for the fourth quarter of 2023.

Modular Medical, Inc. (NASDAQ: MODD, $1.95, up +.52%), is a development-stage, insulin delivery technology company seeking to launch the next generation of user-friendly and affordable insulin pump technology. Using its patented technologies, the company seeks to eliminate the tradeoff between complexity and efficacy, thereby making top quality insulin delivery both affordable and simple to learn. Their mission is to improve access to the highest standard of glycemic control for people with diabetes taking it beyond “superusers” and providing “diabetes care for the rest of us.” Modular Medical was founded by Paul DiPerna, a seasoned medical device professional and microfluidics engineer. Prior to founding Modular Medical, Mr. DiPerna was the founder (in 2005) of Tandem Diabetes and invented and designed its t:slim insulin pump. More information is available at https://modular-medical.com.
On March 6, Modular Medical’s CEO Jeb Besser presented at Tribe Public’s Webinar Presentation and Q&A Event titled “Revolutionizing Diabetes Care.”  You may view the event video now to learn more by clicking this link.
On Feb. 16, Modular Medical announced that it has priced its underwritten public offering (the “offering”) of 9,090,910 shares of its common stock, led by Manchester Explorer, L.P., which is managed by Jeb Besser, Modular Medical’s Chief Executive Officer, and Morgan Frank, a member of the Company’s board of directors, and other existing institutional investors. The shares of common stock are being sold at a price to the public of $1.10 per share. In addition, Modular Medical has granted the underwriter a 30-day option to purchase up to 1,321,989 additional shares of its common stock. Titan Partners Group, a division of American Capital Partners, is acting as sole book-running manager for the offering. The gross proceeds to the Company from the offering are expected to be approximately $10 million, before deducting underwriting discounts, commissions and estimated offering expenses payable by the Company. The Company intends to use the net proceeds from the offering to fund operations and for working capital and general corporate purposes, including capital expenditures. The offering is expected to close on or about February 21, 2024, subject to the satisfaction of customary closing conditions.
On Jan. 24, Modular Medical announced the issuance of U.S. Patent 11,817,197 B2 for the stream-lined pairing of a pump to a mobile device. Paul DiPerna, Chairman and CTO of Modular Medical, commented, “The issuance of this patent is just another step in our mission to use technology to rethink and simplify the adoption of and ability to live with pump technology for patients and caregivers. To address cybersecurity risks and the complexity of pairing multiple devices to talk between a phone and a pump, we added Near-Field Communication (NFC), whereby, just by bringing the phone close to our pump will create a secure connection making it much easier to develop, test and maintain. This patent protects our technology addressing pairing, and, most importantly, the downloading of patient data to allow clinicians to easier upload and review the patients data. The patient’s phone is not required, and a clinician can simply tap the pump to the phone or tablet to pull the data using Bluetooth from patient pumps. In a high-volume practice, such as a busy certified pump trainer’s office, the ability to pull data from several patients quickly is critical. Our patented technology addresses the ability to do this without the tedious step of powering on and pairing with a myriad of new Bluetooth devices. It also simplifies moving the configuration to a new reusable controller, when needed, without using an intermediate device.” Jeb Besser, Modular Medical’s CEO, commented, “Our family of patents, which includes both issued patents and pending applications, around our pump is an important part of our strategic value and market positioning, and we look forward to announcing further patent issuances in the future.”

On Jan. 19, Modular Medical announced the premarket submission of its MODD1 next-generation insulin pump to the FDA for 510(k) clearance. “This is an exciting milestone for the Company, as we seek to change the diabetes market. Almost 30 years after the introduction of the first insulin pump, more than three quarters of those who could benefit from wearing a pump do not wear one. It is our belief that our simplified design will encourage many “almost-pumpers” to adopt technology to aid in their diabetes management, without the complexity and expense required by many of the current solutions,” said Paul DiPerna, Chairman and CTO of Modular Medical.

Jeb Besser, CEO of Modular Medical, stated “Getting a person who requires daily insulin to adopt a pump instead of multiple daily injections can reduce healthcare costs and improve long-term patient outcomes. Pump adoption has been impeded by the ‘three-Cs:’ they are too complex, cumbersome and costly. The MODD1 was designed to be simple and affordable with an attractive form factor. We believe our two-part patch pump design, easy to learn interface and scalable manufacturing will all contribute to a differentiated and lower cost marketing approach. On behalf of the board of directors, I would like to thank the entire Modular Medical team, and all of our stakeholders and shareholders for their support in reaching this point. We expect to receive initial questions from the FDA during the quarter ending June 30, 2023, and we will provide updates, as appropriate. While working with the FDA to gain US clearance, our regulatory effort will now turn to preparing applications to obtain the UKCA mark to enable us to market the MODD1 in the United Kingdom. Operationally, we will move our pilot production line to our manufacturing partner to prepare for commercial launch.”

On Dec. 21, Modular Medical announced a collaboration agreement with Glooko, Inc., a global leader specializing in connected care and remote patient monitoring for diabetes. Integrating with Glooko will allow clinicians and patients to easily review insulin dosing data from the MODD1 pump, when commercially available. In addition, through Glooko’s platform, Dexcom CGMS users will be able to view their glucose levels in the same accessible format in conjunction with their pump data. Glooko’s platform has a broad installed base, which has been deployed in over 30 countries and 8,000 clinical locations. Jeb Besser, CEO of Modular Medical stated,  “We are extremely pleased to add the Glooko technology platform to our diabetes care system making it even easier and more cost effective for us to provide this important capability to our clinical and patient base. Glooko’s mission to improve health outcomes of people with chronic conditions through its personalized, intelligent, connected care platform fits perfectly with our vision of providing an easy to use, affordable delivery technology to give more patients access to better care.”


On Jan, 23, NAYA Biosciences Inc., a company which has recently signed a definitive merger agreement with INVO Bioscience (INVO, $1.10, +5.77%) to establish an expanded, publicly-traded life science company dedicated to increasing patient access to breakthrough treatments in oncology, regenerative medicine, and fertility, today announced that it has entered into a binding letter of intent to acquire Florida Biotechnologies, Inc. a gene therapy company focusing on the treatment of mitochondrial diseases.announced that it has entered into a binding letter of intent to acquire Florida Biotechnologies, Inc. a gene therapy company focusing on the treatment of mitochondrial diseases. “We are delighted to contribute to the emergence of a strong biotech ecosystem leveraging Florida’s academic medical excellence,” commented Florida Biotechnologies cofounder Dr. Peter Kash. “The NAYA leadership team brings an agile entrepreneurial platform, broad development and commercialization experience, and access to public capital, which will unlock the potential of our promising AAV gene therapy platform for mitochondrial genetic diseases. As it expands its clinical pipeline to additional regenerative medicine as well as oncology and fertility programs, NAYA is poised to build a world-class Miami-based biopharmaceutical company.” “We are impressed by the initial safety and efficacy of the AAV gene therapy developed by Florida Biotechnologies and the University of Miami for the treatment of LHON, a rare and debilitating genetic disease with no currently approved therapeutic regimen,” commented NAYA Chairman & CEO Dr. Daniel Teper. “NAYA is committed to accelerating clinical development and Early Patient Access to this breakthrough therapy, which has the potential to achieve curative results in patients with progressive vision loss and blindness.”

On Jan 17, INVO Bioscience, announced that it has filed S-4 registration and preliminary joint proxy statements in connection with the upcoming merger. NAYA has also announced that five new board directors have joined its leadership team effective January 1st, 2024. The additions to the board join Chairman and Chief Executive Officer Dr. Daniel Teper, Vice Chairman Dr. Peter Kash, and Director Gilles Seydoux and will continue post-merger as part of the combined company alongside current INVO CEO Steve Shum. “NAYA is thrilled to welcome new board members with outstanding executive and entrepreneurial track records,” commented NAYA CEO Dr. Daniel Teper. “As we prepare for our merger with INVO, their experience will be key in helping the management team structure our group of companies and secure financing to advance our ambitious growth strategy for 2024 and beyond. Upon closing of the merger with INVO, the NAYA leadership team will focus on scaling up the fertility business through clinic acquisitions and revamped commercialization of INVOcell®, advancing the clinical development of our oncology assets, and building our regenerative medicine portfolio.”

New NAYA Board Members:

Laurent Audoly, PhD is an experienced R&D executive, CEO, and entrepreneur. He is currently executive partner at Apollo Health Ventures and was co-founder & CEO of multiple innovative biotechs, including Kymera Therapeutics (NASDAQ: KYMR), delivering on multi-billion dollar partnerships and scaling companies through multiple stages.

Lyn Falconio, is an accomplished consumer and healthcare marketing leader. She is currently Executive Engagement Lead at Publicis, the 2nd largest communications group in the world, where she launched multiple brands as Chief Marketing Officer.

Prakash Raman, PhD is a seasoned business development executive. He is currently President & CEO at Ribon Therapeutics and was previously Chief Business Development Officer at Flagship Pioneering and Global Head of Business Development at the Novartis Institute of Biomedical Research and Novartis Oncology.

Mark Rothera, MBA is an experienced commercial executive and serial public company CEO. He is currently President & CEO of Viracta Therapeutics (NASDAQ: VIRX) and was previously CEO at Silence Therapeutics (NASDAQ: SLN), Orchard Therapeutics (NASDAQ: ORTX), and Chief Commercial Officer at PTC Therapeutics.

Patrick Tricoli, PharmD, MBA is a an experienced biopharma executive and entrepreneur. He is currently CEO at Nanobiotix USA and Head of Global Business Development at Nanobiotix (NASDAQ: NBTX), where he helped close a multi-billion partnership with Johnson & Johnson. He previously held several leadership positions in corporate and business development and partnerships at Sanofi.

On Dec. 11 Naya announced that new data for its CD38-targeted Flex-NK™ Bispecific Antibody (NY-338, formerly CYT-338) for the treatment of Multiple Myeloma (MM) was published as an abstract in the 2023 American Society of Hematology’s (ASH) meeting supplement of Blood, in the “Multiple Myeloma: Prospective Therapeutic Trials” section. “NAYA is building a portfolio of differentiated clinical-stage oncology therapeutics, starting with two FLEX-NK™ bispecific antibodies acquired from Cytovia Therapeutics,” commented NAYA CEO Dr. Daniel Teper. “We are excited about this new data for our CD38-targeted antibody, which aims to address limitations with the current standard-of-care and offer new options for multiple myeloma patients.”

“The synergistic engagement of NK cells through NKp46 greatly enhances the immunotherapeutic effects of FLEX-NK™ bispecific antibodies, reducing NK cell fratricide, maintaining NK cell levels, and enhancing potency including reversal of NK cell dysfunction,” added Ola Landgren, MD, PhD, co-author of the abstract and Professor of Medicine, Chief of the Myeloma Division, and Leader of the Experimental Therapeutics Program at the University of Miami’s Sylvester Comprehensive Cancer Center. “The data supports initiation of clinical trials to evaluate this promising new therapy and makes it a potential best-in-class anti-CD38 therapeutic for multiple myeloma.”

Deckers Brands (NYSE: DECK, $937.90, +.05%) is a global leader in designing, marketing, and distributing innovative footwear, apparel, and accessories.

On Feb. 12, Deckers announced that it has named Robin Green as its next President of HOKA, effective immediately. Green will serve on the Executive Leadership Team, reporting directly to Dave Powers, Chief Executive Officer and President of Deckers Brands. Green has an extensive track record of leading and operating complex global businesses while delivering transformative results and brand growth, most recently as Global Vice President of Men’s Running and Fitness for NIKE, Inc. She will lead Deckers’ HOKA brand, with a focus on delivering continued growth, further expanding on consumer and athlete connection, and accelerating the product innovation pipeline across a dynamic global marketplace.

Economic Reports

On Monday,  the February New Home Sales report came in lower than expected at 662k.

On Tuesday, the February Durable Orders report came in higher than expected at 1.4%, while the February Durable Goods, sans transportation, came in at .5% as business spending has expanded. The January FHFA Housing Price Index report clocked in at -.1% & the January S&P Case-Shiller Home Price Index report came in lower than expected at 6.6%, while the March Consumer Confidence report clocked in lower at 104.7.

On Wednesday, the Weekly MBA Mortgage Applications Index report confirmed a .7% drop as purchase applications dropped 2%, while refinance applications also fell .2% wk/wk. The Weekly EIA Crude Oil Inventories report also showed a 3.17M barrel build. 

Investing & Inspiration

  1. “It’s your reaction to adversity, not adversity itself that determines how your life’s story will develop.” – Dieter F. Uchtdorf
  2. “Anyone who has never made a mistake has never tried anything new.” – Albert Einstein
  3. “Don’t cry because it’s over. Smile because it happened.” – Dr. Seuss
  4. “You exist only in what you do.” – Federico Fellini
  5. “Most people have the will to win, few have the will to prepare to win.” – Bobby Knight
  6. “It’s hard to be humble, when you’re as great as I am.” –  Muhammad Ali
  7. “Who has a harder fight than he who is striving to overcome himself.” – Thomas a Kempis
  8. “A will finds a way” –  Orison Swett Marden
  9. “To live is to think.” – Marcus Tullius Cicero
  10. “Fortune favors the prepared mind.” – Louis Pasteur
  11. “Knowing is not enough; we must apply. Willing is not enough; we must do.” –  Johann Wolfgang von Goethe
  12. “Life is given to us, we earn it by giving it.” – Rabindranath Tagore
  13. “When you doubt, abstain.” -Ambrose Bierce
  14. “Don’t grieve. Anything you lose comes round in another form.” – Rumi
  15. “You can never plan the future by the past.” – Edmund Burke
  16. “I believe that every human mind feels pleasure in doing good to another.” – Thomas Jefferson
  17. “Great dancers are not great because of their technique, they are great because of their passion.” – Martha Graham
  18. “The time you enjoy wasting is not wasted time.” – Bertrand Russell
  19. “There is a thin line that separates laughter and pain, comedy and tragedy, humor and hurt.” – Erma Bombeck
  20. “Too often we… enjoy the comfort of opinion without the discomfort of thought.” – John F. Kennedy
  21. “If you live to be a hundred, I want to live to be a hundred minus one day so I never have to live without you.”
  22. “There is no instinct like that of the heart.” – Lord Byron
  23. “It is the dim haze of mystery that adds enchantment to pursuit.” – Antoine Rivarol
  24. “I am always ready to learn although I do not always like being taught.” – Winston Churchill
  25. “Expect problems and eat them for breakfast.” –  Alfred A. Montapert
  26. “There are years that ask questions and years that answer.” – Zora Neale Hurston
  27. “The roots of all goodness lie in the soil of appreciation for goodness.” – Dalai Lama
  28. “Every failure is a step to success.” – William Whewell
  29. “Winners never quit and quitters never win.” – Vince Lombardi
  30. “Either you run the day or the day runs you.” – Jim Rohn
  31. “It takes courage to grow up and become who you really are.” – e. e. cummings
  32. “I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” – Jimmy Dean
  33. “If you fell down yesterday, stand up today.” – H. G. Wells
  34. “Far and away the best prize that life has to offer is the chance to work hard at work worth doing.” – Theodore Roosevelt
  35. “The power to question is the basis of all human progress.” – Indira Gandhi
  36. “All of us, at certain moments of our lives, need to take advice and to receive help from other people.” – Alexis Carrel
  37. “Put your heart, mind, and soul into even your smallest acts. This is the secret of success.” – Swami Sivananda
  38. “Measure what is measurable, and make measurable what is not so.” – Galileo Galilei
  39. “Seek the lofty by reading, hearing and seeing great work at some moment every day.” – Thornton Wilder
  40. “Everyone is a genius at least once a year. The real geniuses simply have their bright ideas closer together.” – Georg C. Lichtenberg
  41. “The great thing about getting older is that you don’t lose all the other ages you’ve been.” – Madeleine L’Engle
  42. “Cherish your human connections: your relationships with friends and family.” – Joseph Brodsky
  43. “Dream in a pragmatic way.” – Aldous Huxley
  44. “No one has a greater asset for his business than a man’s pride in his work.” – Hosea Ballou
  45. “In life, as in chess, forethought wins.” – Charles Buxton
  46. “Where there is no vision, there is no hope.” – George Washington Carver
  47. “When you arise in the morning, think of what a precious privilege it is to be alive – to breathe, to think, to enjoy, to love.” – Marcus Aurelius
  48. “Order and simplification are the first steps toward the mastery of a subject.” – Thomas Mann
  49. “It always seems impossible until it’s done.” – Nelson Mandel
  50. “Leadership is influence.” – John C. Maxwell
  51. “Civilization began the first time an angry person cast a word instead of a rock.”– Sigmund Freud
  52. “Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino
  53. “Do what you can, with what you have, where you are.” – Theodore Roosevelt
  54. “It’s remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent.” – Charlie Munger
  55. “I’ve got some advice for the young: If you’ve got anything you really want to do, don’t wait until you’re 93.” – Charlie Munger
  56. “Feeling gratitude and not expressing it is like wrapping a present and not giving it.” – William Arthur Ward
  57. “There is an immeasurable distance between late and too late.” – Og Mandino
  58. “The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt
  59. “We choose our joys and sorrows long before we experience them.” – Khalil Gibran
  60. “The undertaking of a new action brings new strength.” – Richard L. Evans
  61. “Hindsight is always twenty-twenty.” – Billy Wilder
  62. “I’m from the ‘less is more’ school. I had to be in the ‘more is more’ zone with ‘Dallas Buyers Club’, so I was out of my comfort zone, but I had to trust that.” – Jean-Marc Vallee
  63. “I paid more for the Dallas Cowboys than anyone prior than that had ever paid to get involved in sports. But I wanted to be a part of the future of the Dallas Cowboys.” – Jerry Jones
  64. “Trust yourself, you know more than you think you do.” – Benjamin Spock
  65. “It is not enough to have a good mind; the main thing is to use it well.” – Rene Descartes
  66. “Success in creating AI would be the biggest event in human history. Unfortunately, it might also be the last, unless we learn how to avoid the risks.” – Stephen Hawking
  67. “In the future, everyone will be famous for 15 minutes.” – Andy Warhol
  68. “Halloween is not only about putting on a costume, but it’s about finding the imagination and costume within ourselves.” – Elvis Duran
  69. “The dog that trots about finds a bone.” – Golda Meir
  70. “A loving heart is the truest wisdom.” – Charles Dickens
  71. “Out of difficulties grow miracles.” – Jean de la Bruyere
  72. “A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell
  73. “I can, therefore I am.” – Simone Weil
  74. “Life is the art of drawing without an eraser.” – John W. Gardner
  75. “Kind words do not cost much. Yet they accomplish much.” – Blaise Pascal
  76. “The smallest deed is better than the greatest intention.” – John Burroughs
  77. “Following the light of the sun, we left the Old World.” – Christopher Columbus
  78. “If opportunity doesn’t knock, build a door.” – Milton Berle
  79. “The greatest use of a life is to spend it on something that will outlast it.” – William James
  80. “Happiness is not something ready made. It comes from your own actions.” – Dalai Lama
  81. “Just because something doesn’t do what you planned it to do doesn’t mean it’s useless.” – Thomas A. Edison
  82. “There are people who have money and people who are rich.” – Coco Chanel
  83. “The young man knows the rules, but the old man knows the exceptions.” – Oliver Wendell Holmes, Sr.
  84. “Let your mind alone, and see what happens.” – Virgil Thomson
  85. “I believe things cannot make themselves impossible.” – Stephen Hawking
  86. “There is nothing more uncommon than common sense.” – Frank Lloyd Wright 
  87. “To begin, begin.” – William Wordsworth
  88. “You can find peace amidst the storms that threaten you.” – Joseph B. Wirthlin
  89. “Everything that is made beautiful and fair and lovely is made for the eye of one who sees.” – Rumi
  90. “The secret of business is to know something that nobody else knows.” – Aristotle Onassis
  91. “Life is the art of drawing without an eraser.” – John W. Gardner
  92. “Learning never exhausts the mind.” – Leonardo da Vinci
  93. “Live as brave men; and if fortune is adverse, front its blows with brave hearts.” – Marcus Tullius Cicero
  94. “It is not in the stars to hold our destiny but in ourselves.” – William Shakespeare
  95. “The end of labor is to gain leisure.” – Aristotle
  96. “Though we travel the world over to find the beautiful, we must carry it with us or we find it not.” – Ralph Waldo Emerson
  97. “Any sufficiently advanced technology is indistinguishable from magic.” – Arthur C. Clarke
  98. “Good questions outrank easy answers.” – Paul Samuelson
  99. “Experience is the teacher of all things.” – Julius Caesar
  100. To see things in the seed, that is genius.” – Lao Tzu
  101. “Lend yourself to others, but give yourself to yourself.” – Michel de Montaigne
  102. “People are not disturbed by things, but by the view they take of them.” – Epictetus
  103. “Knowledge comes, but wisdom lingers.” – Alfred Lord Tennyson
  104. “Hitch your wagon to a star.” – Ralph Waldo Emerson
  105. “If fear is cultivated it will become stronger, if faith is cultivated it will achieve mastery.” – John Paul Jones
  106. “Great minds discuss ideas; average minds discuss events; small minds discuss people.” –  Eleanor Roosevelt
  107. “Happiness is a direction, not a place.” – Sydney J. Harris
  108. “Don’t let making a living prevent you from making a life.” – John Wooden
  109. “The secret of your future is hidden in your daily routine.” – Mike Murdock
  110. “We boil at different degrees.” – Clint Eastwood
  111. “If we open a quarrel between past and present, we shall find that we have lost the future.” – Winston Churchill
  112. “Hope is patience with the lamp lit.” – Tertullian
  113. “All human wisdom is summed up in two words; wait and hope.” – Alexandre Dumas
  114. “Forgiveness is the key to action and freedom.” – Hannah Arendt
  115. “The unexamined life is not worth living.” – Socrates
  116. “I never think of the future – it comes soon enough.” – Albert Einstein
  117. “Today you are you! That is truer than true! There is no one alive who is you-er than you!” – Dr. Seuss
  118. “We live in a rainbow of chaos.” – Paul Cezanne
  119. “Real knowledge is to know the extent of one’s ignorance.” – Confucius
  120. “Better keep yourself clean and bright; you are the window through which you must see the world.” – George Bernard Shaw
  121. “Life consists not in holding good cards but in playing those you hold well.” – Josh Billings
  122. “The traveler sees what he sees, the tourist sees what he has come to see.” – Gilbert K. Chesterton
  123. “Goodness is the only investment that never fails.” – Henry David Thoreau
  124. “The return we reap from generous actions is not always evident.” – Francesco Guicciardini
  125. “Courage is knowing what not to fear.”– Plato
  126. “Freedom means the opportunity to be what we never thought we would be.” – Daniel J. Boorstin
  127. “Fishes live in the sea, as men do a-land; the great ones eat up the little ones.” – William Shakespeare
  128. “A man is what he thinks about all day long.” – Ralph Waldo Emerson
  129. “There are two ways of spreading light: to be the candle or the mirror that reflects it.” – Edith Wharton
  130. “We cannot live only for ourselves. A thousand fibers connect us with our fellow men.” – Herman Melville
  131. “Childhood is a short season” – Helen Hayes
  132. “Formula for success: rise early, work hard, strike oil.” – J. Paul Getty
  133. “The hardest arithmetic to master is that which enables us to count our blessings.” – Eric Hoffer
  134. “I fear not the man who has practiced 10,000 kicks once, but I fear the man who has practiced one kick 10,000 times.” – Bruce Lee
  135. “There are no shortcuts in evolution.” – Louis D. Brandeis
  136. “Hope is the only bee that makes honey without flowers.” – Robert Green Ingersoll
  137. “Our happiness depends on wisdom all the way.” – Sophocles
  138. “Life is the art of drawing without an eraser.” – John W. Gardner
  139. “Give light and people will find the way.” – Ella Baker
  140. “Without craftsmanship, inspiration is a mere reed shaken in the wind.” – Johannes Brahms
  141. “Either move or be moved.” – Ezra Pound
  142. “Time is but the stream I go a-fishing in.” – Henry David Thoreau
  143. “It’s easy to make a buck. It’s a lot tougher to make a difference.” – Tom Brokaw
  144. “If you can’t stand the heat, get out of the kitchen.” – Harry S Truman
  145. “Remember upon the conduct of each depends the fate of all.” – Alexander the Great
  146. “Silence is the sleep that nourishes wisdom.” – Francis Bacon
  147. “Have patience. All things are difficult before they become easy.” – Saadi
  148. “No man ever steps in the same river twice, for it’s not the same river and he’s not the same man.” – Heraclit
  149. “An effort made for the happiness of others lifts above ourselves.” – Lydia M. Child
  150. “It is amazing what you can accomplish if you do not care who gets the credit.” – Harry S Truman
  151. “If you do not think about your future, you cannot have one.” – John Galsworthy
  152. “Your own mind is a sacred enclosure into which nothing harmful can enter except by your permission.” – Arnold Bennett
  153. “There is always risk involved. You can’t be a capitalist only when there are investment profits but then a socialist when you experience losses.” – Cristina Kirchner
  154. “I hear, I know. I see, I remember. I do, I understand.” – Confucius
  155. “He has achieved success who has worked well, laughed often, and loved much.” – Elbert Hubbard
  156. “Nobody who ever gave his best regretted it.” – George Halas
  157. “We must not allow other people’s limited perceptions to define us.” – Virginia Satir
  158. “There is a wisdom of the head, and a wisdom of the heart.” – Charles Dickens
  159. “Perfection is the child of time.” – Joseph Hall
  160. “No matter what people tell you, words and ideas can change the world.” – Robin Williams
  161. “Find something you’re passionate about and keep tremendously interested in it.” – Julia Child
  162. “The glow of one warm thought is to me worth more than money.” – Thomas Jefferson
  163. “Between stimulus and response there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom.” – Viktor E. Frankl
  164. “Progress lies not in enhancing what is, but in advancing toward what will be.” – Khalil Gibran
  165. “Cherish all your happy moments; they make a fine cushion for old age.” – Booth Tarkington
  166. “The most effective way to do it, is to do it.” – Amelia Earhart
  167. “If you’re going through hell, keep going.” – Winston Churchill
  168. “The only sure weapon against bad ideas is better ideas.” – Alfred Whitney Griswold
  169. “Words are, of course, the most powerful drug used by mankind.” – Rudyard Kipling
  170. “The more things change, the more they are the same.” – Alphonse Karr
  171. “Of all possessions a friend is the most precious.” – Herodotus
  172. “Everything has beauty, but not everyone sees it.” – Confucius
  173. “The man who is swimming against the stream knows the strength of it.” – Woodrow Wilson
  174. “Success is the sum of small efforts – repeated day in and day out.” – Robert Collier
  175. “You exist only in what you do.” – Federico Fellini
  176. “Most people have the will to win, few have the will to prepare to win.” – Bobby Knight
  177. “The true art of memory is the art of attention.” – Samuel Johnson
  178. The secret of happiness is something to do.” – John Burroughs
  179. “A will finds a way.” – Orison Swett Marden
  180. “To live is to think.” – Marcus Tullius Cicero
  181. “The sea hath fish for every man.” – William Camden
  182. “What is called genius is the abundance of life and health.” – Henry David Thoreau
  183. “Prosperity tries the fortunate, adversity the great.” – Rose Kennedy
  184. “No one can figure out your worth but you.” – Pearl Bailey
  185. “Let there be work, bread, water and salt for all.” – Nelson Mandela
  186. “When one paints an ideal, one does not need to limit one’s imagination.” – Ellen Key
  187. “Perfection is attained by slow degrees; it requires the hand of time.” – Voltaire
  188. “Time passes irrevocably.” – Virgil
  189. “The world of reality has its limits; the world of imagination is boundless.” – Jean-Jacques Rousseau
  190. “The time you enjoy wasting is not wasted time.” – Bertrand Russell
  191. “Mastering others is strength. Mastering yourself is true power.” – Lao Tzu
  192. “You begin with the possibilities of the material.” – Robert Rauschenberg
  193. “If you live to be a hundred, I want to live to be a hundred minus one day so I never have to live without you.” – A. A. Milne
  194. “The only way to discover the limits of the possible is to go beyond them into the impossible.” – Arthur C. Clarke
  195. “Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha
  196. “Curiosity will conquer fear even more than bravery will.” – James Stephens
  197. “There are years that ask questions and years that answer.” – Zora Neale Hurston
  198. “The best and most beautiful things in the world cannot be seen or even touched – they must be felt with the heart.” – Helen Keller
  199. “Every failure is a step to success.” – William Whewell
  200. “If you aren’t fired with enthusiasm, you will be fired with enthusiasm.” – Vince Lombardi
  201. “Either you run the day or the day runs you.” – Jim Rohn
  202. “A computer once beat me at chess, but it was no match for me at kick boxing.” – Emo Philips
  203. “I attribute my success to this – I never gave or took any excuse.” – Florence Nightingale
  204. “I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” – Jimmy Dean
  205. “If you fell down yesterday, stand up today.” – H. G. Wells
  206. “The world breaks everyone, and afterward, some are strong at the broken places.” – Ernest Hemingway
  207. “The quality, not the longevity, of one’s life is what is important.” – Martin Luther King, Jr.
  208. “You can’t expect to hit the jackpot if you don’t put a few nickels in the machine.” – Flip Wilson
  209. “Put your heart, mind, and soul into even your smallest acts. This is the secret of success.” – Swami Sivananda
  210. “If the highest aim of a captain were to preserve his ship, he would keep it in port forever.” – Thomas Aquinas
  211. “The secret of your future is hidden in your daily routine.” – Mike Murdock
  212. “Happiness is not a matter of intensity but of balance, order, rhythm and harmony.” – Thomas Merton
  213. “Seek the lofty by reading, hearing and seeing great work at some moment every day.” – Thornton Wilder
  214. “Once you bring life into the world, you must protect it. We must protect it by changing the world.” – Elie Wiesel
  215. “Let us permit nature to have her way. She understands her business better than we do.” – Michel de Montaigne
  216. “Great minds have purposes; others have wishes.” – Washington Irving
  217. “The great thing about getting older is that you don’t lose all the other ages you’ve been.” – Madeleine L’Engle
  218. “If you’re alive, there’s a purpose for your life.” – Rick Warren
  219. “Dream in a pragmatic way.” – Aldous Huxley
  220. “The works must be conceived with fire in the soul but executed with clinical coolness.” – Joan Miro
  221. “Memories are the key not to the past, but to the future.” – Corrie Ten Boom
  222. “Great minds discuss ideas; average minds discuss events; small minds discuss people.” – Eleanor Roosevelt
  223. “Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino
  224. “I think about my work every minute of the day.” – Jeff Koons
  225. “I restore myself when I’m alone.” –  Marilyn Monroe
  226. “Success is peace of mind which is a direct result of self-satisfaction in knowing you did your best to become the best you are capable of becoming.” – John Wooden
  227. “Courage is found in unlikely places.” – J. R. R. Tolkien
  228. “The first wealth is health.” – Ralph Waldo Emerson
  229. “Courage is found in unlikely places.” – J. R. R. Tolkien
  230. “Do what you can, with what you have, where you are.” – Theodore Roosevelt
  231. “A good beginning makes a good end.” – Louis L’Amour
  232. “What you do today can improve all your tomorrows.” – Ralph Marston
  233. “One that would have the fruit must climb the tree.” – Thomas Fuller
  234. “Joy in looking and comprehending is nature’s most beautiful gift.” – Albert Einstein
  235. “The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt
  236. “Never go to bed mad. Stay up and fight.” – Phyllis Diller
  237. “The undertaking of a new action brings new strength.” – Richard L. Evans
  238. “It’s kind of fun to do the impossible.” – Walt Disney
  239. “Real riches are the riches possessed inside.” – B. C. Forbes
  240. “Reject your sense of injury and the injury itself disappears.” – Marcus Aurelius
  241. “It is not enough to have a good mind; the main thing is to use it well.” – Rene Descartes
  242. “A leader is one who knows the way, goes the way, and shows the way.” – John C. Maxwell
  243. “It takes an endless amount of history to make even a little tradition.” – Henry James”It’s not what you pay a man, but what he costs you that counts.” – Will Rogers
  244. “Halloween is not only about putting on a costume, but it’s about finding the imagination and costume within ourselves.” – Elvis Duran
  245. “Everything in the world may be endured except continual prosperity.” – Johann Wolfgang von Goethe
  246. “Where is all the knowledge we lost with information?” – T. S. Eliot
  247. “All I ask is the chance to prove that money can’t make me happy.” – Spike Milligan
  248. “Out of difficulties grow miracles.” – Jean de la Bruyere
  249. “Nine-tenths of wisdom is being wise in time.” – Theodore Roosevelt
  250. “Time is money.” – Benjamin Franklin
  251. “I can, therefore I am.” – Simone Weil
  252. “Where there is no vision, there is no hope.” – George Washington Carver
  253. “Greatness is a road leading towards the unknown.” – Charles de Gaulle
  254. “Kind words do not cost much. Yet they accomplish much.” – Blaise Pascal
  255. “The world is round so that friendship may encircle it.” – Pierre Teilhard de Chardin
  256. “Our deeds determine us, as much as we determine our deeds.” – George Eliot
  257. The greatest use of a life is to spend it on something that will outlast it.” – William James
  258. “Happiness is not something ready made. It comes from your own actions.” – Dalai Lama
  259. “If opportunity doesn’t knock, build a door.” – Milton Berle
  260. “I would define, in brief, the poetry of words as the rhythmical creation of Beauty.” – Edgar Allan Poe
  261. “There are people who have money and people who are rich.” – Coco Chanel
  262. “The young man knows the rules, but the old man knows the exceptions.” – Oliver Wendell Holmes, Sr.
  263. “The past always looks better than it was. It’s only pleasant because it isn’t here.” – Finley Peter Dunne
  264. “With the new day comes new strength and new thoughts.” – Eleanor Roosevelt
  265. “Give me the luxuries of life and I will willingly do without the necessities.” – Frank Lloyd Wright
  266. “To begin, begin.” – William Wordsworth
  267. “You can find peace amidst the storms that threaten you.” – Joseph B. Wirthlin
  268. “Nobody made a greater mistake than he who did nothing because he could do only a little.” – Edmund Burke
  269. “Whenever you find yourself on the side of the majority, it is time to pause and reflect.” – Mark Twain
  270. “Adapt or perish, now as ever, is nature’s inexorable imperative.” – H. G. Wells
  271. “Won’t be long before we view gasoline cars the same way we view steam engines today.” – Elon Musk
  272. “The aim of life is to live, and to live means to be aware, joyously, drunkenly, serenely, divinely aware.” – Henry Miller
  273. “It is not in the stars to hold our destiny but in ourselves.” – William Shakespeare“Opportunity is missed by most people because it is dressed in overalls and looks like work.” – Thomas A. Edison“Experience is one thing you can’t get for nothing.” – Oscar Wilde
  274. “Any sufficiently advanced technology is indistinguishable from magic.” – Arthur C. Clarke
  275. “Good questions outrank easy answers.” – Paul Samuelson
  276. “Thinking: the talking of the soul with itself.” – Plato
  277. “I don’t think of all the misery but of the beauty that still remains.” – Anne Frank
  278. “All money is a matter of belief.” – Adam Smith
  279. “People are not disturbed by things, but by the view they take of them.” – Epictetus
  280. “Uncertainty is seen to retard investment independently of considerations of risk or expected return.” – Ben Bernanke
  281. “I never called my work an ‘art’. It’s part of show business, the business of building entertainment.” – Walt Disney
  282. “Hitch your wagon to a star.” – Ralph Waldo Emerson
  283. “The greatest remedy for anger is delay.” – Lucius Annaeus Seneca
  284. “Great minds discuss ideas; average minds discuss events; small minds discuss people.” – Eleanor Roosevelt
  285. “Act as if what you do makes a difference. It does.” – William James
  286. “Success – keeping your mind awake and your desire asleep.” – Walter Scott
  287. “If I had to live my life again, I’d make the same mistakes, only sooner.” – Tallulah Bankhead
  288. “When one must, one can.” – Charlotte Whitton
  289. “Wealth consists not in having great possessions, but in having few wants.” – Epictetus
  290. “If we open a quarrel between past and present, we shall find that we have lost the future.” – Winston Churchill
  291. “Hope is patience with the lamp lit.” – Tertullian
  292. “A single sunbeam is enough to drive away many shadows.” – Francis of Assisi
  293. “With the past, I have nothing to do; nor with the future. I live now.” – Ralph Waldo Emerson
  294. “Laziness may appear attractive, but work gives satisfaction.” – Anne Frank
  295. “I never think of the future – it comes soon enough.” – Albert Einstein
  296. “Hope is but the dream of those who wake.” – Matthew Prior
  297. “The more sand that has escaped from the hourglass of our life, the clearer we should see through it.” – Jean Paul
  298. “Real knowledge is to know the extent of one’s ignorance.” – Confucius
  299. “Better keep yourself clean and bright; you are the window through which you must see the world.” – George Bernard Shaw
  300. “Nothing great in the world has ever been accomplished without passion.” – Georg Wilhelm Friedrich Hegel
  301. “History is a vast early warning system.” – Norman Cousins
  302. “We first make our habits, and then our habits make us.” – John Dryden
  303. “The traveler sees what he sees, the tourist sees what he has come to see.” – Gilbert K. Chesterton
  304. “Adventure is worthwhile.” – Aesop
  305. “We must build dikes of courage to hold back the flood of fear.” – Martin Luther King, Jr.
  306. “The return we reap from generous actions is not always evident.” – Francesco Guicciardini
  307. “Courage is knowing what not to fear.” – Plato
  308. “Science may never come up with a better office communication system than the coffee break.” – Earl Wilson
  309. “Progress was all right. Only it went on too long.” – James Thurber
  310. “If you would know strength and patience, welcome the company of trees.” – Hal Borland
  311. “We aim above the mark to hit the mark.” – Ralph Waldo Emerson
  312. “Hope is being able to see that there is light despite all of the darkness.” – Desmond Tutu
  313. “Our chief want is someone who will inspire us to be what we know we could be.” – Ralph Waldo Emerson
  314. “Patience is a virtue, and I’m learning patience. It’s a tough lesson.” – Elon Musk
  315. “Great things are done when men and mountains meet.” – William Blake
  316. “The man who has no imagination has no wings.” – Muhammad Ali
  317. “Formula for success: rise early, work hard, strike oil.” – J. Paul Getty
  318. “Action is the foundational key to all success.” – Pablo Picasso
  319. “Hope is like the sun, which, as we journey toward it, casts the shadow of our burden behind us.” – Samuel Smiles
  320. “The backbone of surprise is fusing speed with secrecy.” – Carl von Clausewitz
  321. “There are no shortcuts in evolution.” – Louis D. Brandeis
  322. “I am fascinated by what is beautiful, strong, healthy, what is living. I seek harmony.” – Leni Riefenstahl
  323. “If one advances confidently in the direction of his dreams, and endeavors to live the life which he has imagined, he will meet with a success unexpected in common hours.” – Henry David Thoreau
  324. “Waste no more time arguing about what a good man should be. Be one.” – Marcus Aurelius
  325. “It is during our darkest moments that we must focus to see the light.” – Aristotle Onassis
  326. “Courage is fear holding on a minute longer.” – George S. Patton
  327. “You must be the change you wish to see in the world.” – Mahatma Gandhi
  328. “Don’t judge each day by the harvest you reap but by the seeds that you plant.” – Robert Louis Stevenson
  329. “It is in the character of very few men to honor without envy a friend who has prospered.” – Aeschylus
  330. “Life is a series of natural and spontaneous changes. Don’t resist them – that only creates sorrow. Let reality be reality. Let things flow naturally forward in whatever way they like.” – Lao Tzu
  331. “The more you praise and celebrate your life, the more there is in life to celebrate.” – Oprah Winfrey
  332. “Anything simple always interests me.” – David Hockney
  333. “He who angers you conquers you.” – Elizabeth Kenny
  334. “Concision in style, precision in thought, decision in life.” – Victor Hugo
  335. “The secret of genius is to carry the spirit of the child into old age, which means never losing your enthusiasm.” – Aldous Huxley
  336. “View health as an investment, not an expense.” – John Quelch

“The most effective way to do it, is to do it.” – Amelia Earhart
“Man needs his difficulties because they are necessary to enjoy success.” – A. P. J. Abdul Kalam
“Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha
“Nobody made a greater mistake than he who did nothing because he could do only a little.” – Edmund Burke
“You must do the things you think you cannot do.”- Eleanor Roosevelt
“Success is dependent on effort.” – Sophocles
“Nobody who ever gave his best regretted it.” – George Halas
“Lots of people want to ride with you in the limo, but what you want is someone who will take the bus with you when the limo breaks down.” ~ Oprah Winfrey
“And when I breathed, my breath was lightning.” – Black Elk
“Moderation is the silken string running through the pearl chain of all virtues.” – Joseph Hall
“You are the sum total of everything you’ve ever seen, heard, eaten, smelled, been told, forgot – it’s all there. Everything influences each of us, and because of that I try to make sure that my experiences are positive.” – Maya Angelou
“If you want a guarantee, buy a toaster.” – Clint Eastwood
“We are an impossibility in an impossible universe.” – Ray Bradbury
“If you think in terms of a year, plant a seed; if in terms of ten years, plant trees; if in terms of 100 years, teach the people.” – Confucius
“I’d rather attempt to do something great and fail than to attempt to do nothing and succeed.” – Robert H. Schuller
“Do your little bit of good where you are; it’s those little bits of good put together that overwhelm the world.” Desmond Tutu
“It takes considerable knowledge just to realize the extent of your own ignorance.” – Thomas Sowell
“Do not dwell in the past, do not dream of the future, concentrate the mind on the present moment.” – Buddha”
Surprise is the greatest gift which life can grant us.” – Boris Pasternak
“Trust in dreams, for in them is hidden the gate to eternity.” – Khalil Gibran
“Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it.” – Bruce Lee
“All life is an experiment. The more experiments you make the better.” – Ralph Waldo Emerson
“There are no secrets to success. It is the result of preparation, hard work, and learning from failure.” – Colin Powell
“There is more to life than increasing its speed.” – Mahatma Gandhi
“Your attitude is like a box of crayons that color your world. Constantly color your picture gray, and your picture will always be bleak. Try adding some bright colors to the picture by including humor, and your picture begins to lighten up.” – Allen Klein
“Definiteness of purpose is the starting point of all achievement.” – W. Clement Stone
“Success usually comes to those who are too busy to be looking for it.” – Henry David Thoreau
“In matters of truth and justice, there is no difference between large and small problems, for issues concerning the treatment of people are all the same.” – Albert Einstein
“Life is too short for long-term grudges.” – Elon Musk
“There cannot be a crisis next week. My schedule is already full.” – Henry Kissinger
“Success consists of getting up just one more time than you fall.” – Oliver Goldsmith
“The Earth is the cradle of humanity, but mankind cannot stay in the cradle forever.” – Konstantin Tsiolkovsky
“Ours is a world of nuclear giants and ethical infants. We know more about war that we know about peace, more about killing that we know about living.” – Omar N. Bradley
“Beauty surrounds us, but usually we need to be walking in a garden to know it.” – Rumi
“But man is not made for defeat. A man can be destroyed but not defeated.” – Ernest Hemingway
“Don’t watch the clock; do what it does. Keep going.” – Sam Levenson
“Let there be work, bread, water and salt for all.” – Nelson Mandela
“The social object of skilled investment should be to defeat the dark forces of time and ignorance which envelope our future.” – John Maynard Keynes
“A successful society is characterized by a rising living standard for its population, increasing investment in factories and basic infrastructure, and the generation of additional surplus, which is invested in generating new discoveries in science and technology.” – Robert Trout
“I know not with what weapons World War III will be fought, but World War IV will be fought with sticks and stones.” – Albert Einstein
“It is the fight alone that pleases us, not the victory.” – Blaise Pascal
“If you can’t describe what you are doing as a process, you don’t know what you’re doing.” – W. Edwards Deming
“Never interrupt your enemy when he is making a mistake.” – Napoleon Bonaparte
“Be sure you put your feet in the right place, then stand firm.” – Abraham Lincoln
“Without investment there will not be growth, and without growth there will not be employment.” – Muhtar Kent
“You have to do your own growing no matter how tall your grandfather was.” – Abraham Lincoln
“Victory has a thousand fathers, but defeat is an orphan.” – John F. Kennedy
“Delete the negative; accentuate the positive!” – Donna Karan
“It’s crazy how fast time flies and how things progress.” – Nathan Chen
“The world is a dangerous place to live; not because of the people who are evil, but because of the people who don’t do anything about it.” – Albert Einstein
“Life isn’t about finding yourself. Life is about creating yourself.” – George Bernard Shaw
“Everything has beauty, but not everyone sees it.” – Confucius
“A man must be big enough to admit his mistakes, smart enough to profit from them, and strong enough to correct them.” – John C. Maxwell
“Walking with a friend in the dark is better than walking alone in the light.” – Helen Keller
“A man who dares to waste one hour of time has not discovered the value of life.” – Charles Darwin
“The greater danger for most of us lies not in setting our aim too high and falling short; but in setting our aim too low, and achieving our mark.” – Michelangelo
“Progress is man’s ability to complicate simplicity.” – Thor Heyerdahl
“I like to encourage people to realize that any action is a good action if it’s proactive and there is positive intent behind it.” – Michael J. Fox
“Nothing is impossible, the word itself says ‘I’m possible’!” – Audrey Hepburn
“But investment in space stimulates society, it stimulates it economically, it stimulates it intellectually, and it gives us all passion.” – Bill Nye
“Bitcoin, in the short or even long term, may turn out be a good investment in the same way that anything that is rare can be considered valuable. Like baseball cards. Or a Picasso.” – Andrew Ross Sorkin
“Life is a tragedy when seen in close-up, but a comedy in long-shot.” – Charlie Chaplin
“No matter what you’re going through, there’s a light at the end of the tunnel and it may seem hard to get to it but you can do it and just keep working towards it and you’ll find the positive side of things.” – Demi Lovato
“Infrastructure investment in science is an investment in jobs, in health, in economic growth and environmental solutions.” – Oren Etzioni
“Educating our children and giving them the skills they need to compete in a global economy is a smart investment in our country’s future.” – Sheldon Whitehouse
“Know thy self, know thy enemy. A thousand battles, a thousand victories.” – Sun Tzu
“If one does not know to which port one is sailing, no wind is favorable.” – Lucius Annaeus Seneca
“Beware of missing chances; otherwise it may be altogether too late some day.” – Franz Liszt
“The sofa is a really important investment for anybody, and I don’t mean financially. You need to find a really great sofa that can transition with you, and you can build from there.” – Jeremiah Brent
“There is no investment you can make which will pay you so well as the effort to scatter sunshine and good cheer through your establishment.” – Orison Swett Marden
“Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.” – Marie Curie
“There is little that can withstand a man who can conquer himself.” – Louis XIV
“In tennis, you strike a ball just after the rebound for the fastest return. It’s the same with investment.” – Masayoshi Son
“A camel makes an elephant feel like a jet plane.” – Jackie Kennedy
“The advance of technology is based on making it fit in so that you don’t really even notice it, so it’s part of everyday life.” – Bill Gates
“Success depends upon previous preparation, and without such preparation there is sure to be failure.” – Confucius, Chinese
“Coming together is a beginning; keeping together is progress; working together is success.” – Edward Everett Hale
“Never do anything against conscience even if the state demands it.”– Albert Einstein
“Education is not only a ladder of opportunity, but it is also an investment in our future.” – Ed Markey
“The true measure of a man is how he treats someone who can do him absolutely no good.” – Samuel Johnson
“In my view, the biggest investment risk is not the volatility of prices, but whether you will suffer a permanent loss of capital. Not only is the mere drop in stock prices not risk, but it is an opportunity. Where else do you look for cheap stocks?” – Li Lu
“A successful society is characterized by a rising living standard for its population, increasing investment in factories and basic infrastructure, and the generation of additional surplus, which is invested in generating new discoveries in science and technology.” – Robert Trout
“The best preparation for tomorrow is doing your best today.” – H. Jackson Brown, Jr.
“Friendship marks a life even more deeply than love. Love risks degenerating into obsession, friendship is never anything but sharing.” – Elie Wiesel
“Investing in women’s lives is an investment in sustainable development, in human rights, in future generations – and consequently in our own long-term national interests.” – Liya Kebede
“Success isn’t measured by money or power or social rank. Success is measured by your discipline and inner peace.” – Mike Ditka
“No matter how many goals you have achieved, you must set your sights on a higher one.” – Jessica Savitch
“Start where you are. Use what you have. Do what you can.”– Arthur Ashe
“The secret of getting ahead is getting started.” – Mark Twain
“The amount of work and the amount of both physical and emotional investment it takes to get to the top.” – Drew Bledsoe