MSD Insider 0:00
Welcome to MedShark Insider, with Bill Fukui, your expert host on all things medical marketing and SEO.
Bill Fukui 0:08
Hi everybody. Welcome to another episode of MedShark Insider, where I interview some of the industry’s leaders and cutting edge, leading-edge services and technologies. And today, I’ve got a really big treat for everybody. I’ve been attending meetings and, you know, online and everybody, obviously, is overwhelmed, largely with a lot of the AI things that are going on and practices, wondering what they need to do as far as you know, whether it’s aI searches on, you know, Google overviews or chat GPT or live chat and all these other ways of leveraging AI. Today, I’ve got a really somebody that I stumbled onto at a recent meeting who’s kind of opened my eyes. He is Ben Wolper. He’s the founder of and CEO of Insight X, and he’s got some really cutting edge information to share with you guys today on how to better leverage AI, not just from a outsider, getting, you know, washed over by all this AI stuff, but how do you leverage AI within your practice, really and and leverage that to help you make better decisions, to help you do things. So, before I go too much further, welcome, Ben. I appreciate you joining the show today.
Ben 1:46
Yeah, thank you for having me, really excited to be here.
Bill Fukui 1:49
Yeah, so do me a favor, and I know a little bit about you, but share a little bit of your background with our audience today.
Ben 1:58
Yeah, absolutely. So I’ve been in healthcare data now for a few years, originally on the revenue cycle side, so mostly working with like large hospitals and large health systems in that sense, and also have some fpna experience. And really, what I kept seeing were even on the hospital side, they were drowning in data, but not actually using any of it. So I’m also, like I said, I’m a former analyst, so I’m naturally obsessed with understanding what’s actually driving performance and not just building fancy dashboards. S,o really, long story short is I launched inside X to bring enterprise-level analytics to the med spa and aesthetics practices and clinics that don’t have a full-blown data team.
Bill Fukui 2:41
Okay, you know, when you’re saying a full-blown data team, you know, there’s a, you know, when we first met, we discussed, you know, this gap that practices have in terms of not only collecting data, right? A lot of what, as a marketer, I’m always looking for, Hey, give us some, you know, more information. How can we identify patients, what they’re doing, and how many convert and follow them all the way to revenue and all those kinds of things as a marketer? But there’s so much data that is already there that practices don’t even have to quote manufacture, that can still be leveraged. So we talked about that. But how do you help guide practices to become, you know, basic and an expert like you said, a data expert of their own numbers as a practice owner. How can I be an expert in my own numbers?
Ben 3:41
Yeah. I mean, you really hit the nail on the head earlier, where you’re like, they have a ton of data. So a lot of practices, obviously, collect data. They just don’t know what that data means. And what I always say is, this industry doesn’t have a data problem. It’s almost data overload, like there. It’s very fragmented, as you’re well aware and where we help is like, we pull in the data automatically, we clean it and then organize it. We can also apply benchmarking, and then we’re essentially translating it into here’s what you do next. So instead of like, Hey, your conversion rate is 24% we say, is that good or bad? How does that compare to similar practices? And what actions could you as the owner take to drive improvement? We’re really just turning data into decisions in that sense.
Bill Fukui 4:31
Interesting. So, the data that’s being collected, how do you go about collecting that data?
Ben 4:38
Yeah, so it’s through API connections. So essentially, when we onboard like, let’s say, a single location, med, spa, we just collect all the data sources that they’re using in their data, and we have most of these integrations built out today. Now, if there’s a new if there’s a new integration, I know these new tech solutions are coming up all over the place in the industry. We’re happy to. Build that out free of charge as well.
Bill Fukui 5:02
Okay, so when we’re saying, you know, the practices data you’re referring mainly to, like EMRs, those types of platforms, or patient management software, that type of stuff.
Ben 5:15
Yeah, so think like your next text, synodies, in that space, your accounting software, so QuickBooks zero. Most, I would say mostly, industry. Industry uses QuickBooks, then your marketing platform. So like Google Analytics, Google Ads, Meta Ads, those sorts of things. We can also connect your socials, if you want to. And then also, like one of the final pieces we usually connect with is the HR system, the most popular ones, Gusto. That’s one that we can integrate with as well.
Bill Fukui 5:43
So interesting. My my son in law, actually works for Gusto here. It’s completely blowing up, man.
Ben 5:54
I mean, we even use them for our HR.
Bill Fukui 5:59
I’ll let him know that. But you know, you mentioned all these different platforms, like Google Analytics, looking at the EMR data, and how you’re able to I just find this fascinating that you can actually extrapolate with the data from different sources. You’re pulling in data from multiple different places, right? Yeah, and synthesizing that, how do you identify? Well, what I would ask is, with so much information, yeah, are there like three or four areas where you see practices benefiting most by this deeper data analysis and management?
Ben 6:48
Yeah, I mean, definitely the big ones we see, so like a great one is marketing ROI, which campaigns are actually bringing in revenue, not just clicks. Another area that we see is patient retention. So like, how often are the patients coming back, and how much do they spend over 12 months, two years, however long that lifetime value is, and then provider performance. So like, which injectors or providers are driving revenue versus their appointment time? And you can also tie in some utilization there as well. And then treatment mix, plus the pricing. So like, are you pricing properly relative to demand and margins, or are you just, like, guessing at what you should price? So basically, just grow the right things, not just grow more, if that makes sense.
Bill Fukui 7:37
No, I think that makes a lot of sense. In fact, when I ask them, you know, what are their, you know, profit centers, right? When we’re looking at high-priority practice areas, services, products that we need to be spending money marketing, a lot of them don’t really know, and when they do, they guess, they’re just looking at, you know, high-level, this is how much we sold of this, right? They’re not looking at really the profitability, not necessarily the gross revenue, but the profitability of those, yeah, those, you know, products, services, and mixes, and, yeah, in terms of pricing, do you typically see I see that a lot. I see practices really do not know how to price things.
Ben 8:30
Yeah, I mean, that’s something we’ve seen, and that’s like a big interest from like people utilizing our software today, is like, Well, did you just come up with your prices based on what Ben’s Med Spa up the street is doing?
Bill Fukui 8:43
doing, actually, most cases, right? Yeah, exactly. Secret Shop to all these other practices and ask how much something costs, right? And exactly their price on that.
Ben 8:53
That, yeah, and like that ties back into, like, who is your ideal patient? Like, the pricing can, like, fall into that bucket as well, where, like, hey, Ben’s Med Spa might be have a different clientele than Bill’s Med Spa, like you doing that secret shopping there and coming up with that pricing strategy based on what I’m pricing my services, where we might have a different clientele. I know there’s like a norm or, like, there’s like a very consistent ideal patient profile, but it is very dependent. Like ,even med spas in the Cincinnati area might have different ideal patients that are coming in. Like, some might be younger, some might be older. They’re going to be spending different levels there. So need to adjust your pricing to capture that, if that makes sense.
Bill Fukui 9:36
Yeah, it makes a lot of sense. In fact, when we’re looking at pricing, you also mentioned things like marketing, ROI and patient retention, those types of things, right? The information that you’re able to share with clients in their practice, obviously, it’s going to vary. Theory in terms of the kind of practices that we had, right? The difference between, say, a med, spa practice and, say one that’s more like lower volume, but high margins, high profit, like a plastic surgeon, right? Yeah, so plastic surgeon, they probably don’t get a lot of retention, because once they get a patient, they have the surgery done, there’s probably not unless they have that Med Spa component onto it, into the practice, they’re really not, you know, focused on a lot of the retention. How do you in those when you’re working with practices, how do you work with them to determine what kind of data is going to make the most difference to that particular practice or location, etc?
Ben 10:53
Yeah, no, I’ll give you a really simple example. So again, when you’re going into these solo location like one or two location med spas, you can ask, like, hey, like, what is I always go back to this ideal patient profile. That’s something that we always harp on in this space. It’s like, who is your ideal customer and what you’re able to do within our platform now is like, we quickly and like, within seconds, surface that for you. So it’s like, Hey, here’s the average age range, here’s their services that they most frequently buy. Here’s their visit frequency, here’s their zip codes. Like, it gives you a ton of information. And then that again, going back to the marketing ROI, that’s a self serve marketing strategy right there. It’s like, Well, hey, we can run a campaign on this based on these specific metrics, like, Hey, here’s what the patient’s like, their average spend is, here’s their revenue, like, here’s the annual revenue that we’ve gotten from these specific patient groups. So we’ve seen a ton of use cases in that sense, because, again, in some cases, marketing is sometimes looked at as an expense, but it also needs to be looked at as an art, like you need to understand like it needs to be an investment in most cases.
Bill Fukui 12:06
So, you know, I find that fascinating, because, especially with the data that you’re able to collect with not just what is is kind of esoteric that information, or my perceptions, or what I think right using your own patients data to determine the profiling. Now, when say, for example, you’re running ads on, say, Facebook, and you’re wanting to develop these look alike audiences, right? Yeah, one of the things that they were always nervous about is, is Facebook getting information about our patients and stuff like that. Privacy. This is a way of profiling your patients without them getting access to it, right? We can set exactly like audiences without, you know, compromising our data. Yeah, no, just exactly to campaigns.
Ben 13:03
Yeah, and the nice thing about like, generative AI in general, not just like within our platform, is each user experience is different, because like, as you’re using like the AI function more, it’s starting to interpret how you’re thinking about things, how you’re talking. Like when I use ChatGPT to write an email, it sounds almost identical to what I would do. I would sound like now, like if I wrote it from scratch. And that’s just like continuous use cases. And like, again, a very simple example, but the AI is almost like learning with you, in a sense. And that’s the generative piece that I talked about.
Bill Fukui 13:40
Interesting. The other thing that you mentioned, and I, I thought you mentioned provider or the coordinator, like, whoever is treating the patient right their performance? How do you do that? How do you gauge? Like, we all know that in certain practices, there are high performers and lower performers, but it’s always, you know, if you’re gonna address somebody, there’s You can’t hide from data, right? Yeah, it arms the administrator or the doctor with data that says, hey, we need to pick it up here, right? Yeah. Yeah. Exactly. So what does that look like? Give me an
Speaker 1 14:26
it’s that simple calculation where, hey, here’s what we paid Ben this month. Here’s their gross sales. That’s an efficiency metric, that it’s, it’s, again, it’s data like you said, can’t, you can’t fudge those numbers, in that sense, and like, tracking metrics like that has been able, like, as the practice owner, it’s like, now it’s like, Well, hey, I have five injectors. Here’s their efficiencies, here’s their utilizations. And we can see we can also track burnout. Like, hey, we don’t want all these providers at 100% utilization. We want to, maybe. Want it closer to 85% 80% whatever? Yeah, so you can, you can track burnout that way. But then if they’re at that much capacity, it could also be a scheduling bottleneck. Like, hey, can we spread these appointments out? Like, why is Ben’s book back-to-back every Tuesday? Like, and he’s in there Monday through Wednesday, let’s say, so there it can. Again, I always think of it as like a spider web of all these different areas of the practice, they’re all like intertwined. And once you start, as you mentioned before, peeling back the onion and looking under these places, you start being able to tie it back into just different areas of your practice.
Bill Fukui 15:39
Great. You know, the other thing that you know, when I was just thinking, when I mentioned look-alike audiences and stuff like that, and patient information, patient data, I am going to tell you that most of the practice providers are frozen by indecision. Many times, when it comes to AI. They’re scared of it. They’re nervous about being a medical practice. AI is so different than, say, if I’m, you know, selling motorcycles, right? It’s, yeah, a completely different thing. So being in the medical space, patient information, HIPAA, they’re, hate to say it, they’re intimidated and scared by it, right? Yeah, and they’re frozen by indecision, and they don’t do anything because of it, right? Yeah, anything that has to do with HIPAA, they’re just up. No, I’m just not going to do it because of HIPAA. I almost feel like that’s a cop out sometimes, right? Because they don’t want to embrace it, because it’s the catch-all excuse for everything, right? How do you deal with you know, AI data management, patient information as it relates to a medical practice, and HIPAA so that you can feel like, you know, I can do this.
Ben 17:07
Yeah, I mean, we use as a company Iinside X. We follow all the HIPAA guidelines in terms of data usage, like logins, two-factor authentications, everything like that. We are HIPAA-compliant software end-to-end. We have end we have end to end, encryption, our chatbots are HIPAA-compliant, and everything like that. But to circle back to your point at the beginning of the question, like, owners are essentially not scared of AI, but you really need to, like, bite it off in chunks. Like AI, as you mentioned, is such a hot commodity in this space right now. It’s almost overwhelming. I’m even overwhelmed, and I’m a data guy; sometimes I’m seeing all these different AI solutions. And it’s like, oh my like, I don’t even know where to begin. So like, well, we always recommend, and this ties back into some of our onboarding processes as well. It’s like, you need to take it as baby steps. Like, let’s start with one data source. Let’s start with this. Like, chunk it off and look at areas in your practice that you need to look at and basically walk before you run. That’s what we always kind of recommend, because, again, AI is always changing. There are always new tools coming out. But to answer your question about the HIPAA piece, it’s, I mean, both are honestly concerns like HIPAA does matter, and you need compliant partners. And what happens is people hear AI, and they instantly think that PHI is being blasted all over the internet, like you don’t know where the data is going, which in most cases, that is not the case. Now there are LLMs out there that are not HIPAA compliant, so as a practice center, you should not upload your PHI to that. I wouldn’t even recommend uploading, like, your QuickBooks information or anything like that.
Bill Fukui 18:47
Yeah.
Ben 18:48
Yeah, and we, we tell practices like, if you’re using a HIPAA-compliant AI tool and you’re storing the data correctly, you’re 100% fine. And most of the fear is really just fear of like you mentioned before, is just doing something new, like analytics in this industry is a brand new spend category for most people, and that’s just like the shift in this market, which is, it’s an exciting time for us, but there is like behavior shifts and everything like that. They need to coach some of these owners and practice owners to kind of move in that direction.
Bill Fukui 19:21
Okay, hey, a question. And this kind of goes back to one of your other things, and I had this, and I forgot to ask it. We talked about, you know, website or or data that you’re able to collect from Google Analytics. You mentioned Google Analytics, do you also pull in data from other third party, you know, platforms like fresh paint or some of those, simply because of, there is a concern with with practices that Google Analytics. I mean, they Google’s come out and said it’s, it’s not HIPAA compliant. Yeah. Google Analytics. So are you able to pull in data from other third party sources, other than, you know, from website, you know, user sessions and all those kinds of things,
Ben 20:11
yeah, as long as there’s an open API, like I mentioned before, where we have the ability to set one up, like, if we don’t have that integration built today, we we have the ability to build it out upon request. And again, going back to like, that walk before you run, like, you always have to, like, start with and again, most cases, the EMR is their source of truth. So we’ve seen a ton of like, great use cases where people are just using their EMR. They just plugged into their EMR, but then they quickly pull in their QuickBooks. And, like, that’s like a very easy next step. And it is, it is a process because, like, you don’t want to plug in all 12, or however many data sources that you’re using in your data at once, because it will be, it’ll go back to that data overload point I’m at. It’s like, you won’t know where to begin, because there’ll be so much information thrown at you, you’ll just be going down rabbit holes that actually might not make a ton of sense to go down at that time, right?
Bill Fukui 21:09
Right? No, I think that makes a lot of sense, mainly because I think that you fall into the same trap right now, it’s, it’s, let’s focus on the 8020 What 20% what can we do that’s going to move the needle? 80% right? Yeah. Let’s focus on, on, on that 20% and not necessarily, you know, try and, you know, drink from a fire hose. Yeah? Super Hey, one other thing before we kind of go to the next area is when we’re talking about practices, you know, how we can get faster analysis, you know, time cost savings, all those kinds of things. What would you say in terms of what you guys do, are you seeing where the the single biggest gap, if you said, if there is a single gap, if you can do this, this would apply to this would be one of the 20. You know that 8020 this would be part of that 20 is that that you consistently see across almost every practice that you run across?
Ben 22:28
Yeah, I would say again, as you mentioned before, very case by case, depending on what those specific practices initiatives are, but some very common buckets is, like your revenue metrics. Like, everyone wants to make more money at the end of the day. So tracking your revenue metrics, because, again, that sounds very broad, but there’s a lot that can roll up into that. So it’s like, hey, like, because I was looking at my revenue per hour by this provider, we actually thought about it’s like, hey, they’re scheduled. There’s a schedule bottleneck here. Let’s actually spread them out and lower their utilization, and then give them more time to do X, Y, and Z, like, whatever that example is, it’s now like, Hey, you’re paying them less, in a sense, if possible. Like, sometimes they’re not, they’re working less, paying them less, that lowers your cost. That’s more profit at the end of the day. So, hey, more money in your pocket. I would say that’s, I know that’s a long-winded answer, but it’s like, hey, revenue, patient metrics. That’s another, like, consistent one that people always want more insight into. But then again, ties back to revenue, gross sales. So, and then again, a third area would be like that utilization aspect. So, again, you can slice the utilization a couple of different ways. It can be a schedule utilization. It could be like, hey, provider by service utilization, like, how many of these services are we selling on a weekly basis, or something like that. So, but again, ties back to like revenue, because everyone, I mean, small businesses in general, everyone wants to make more money. So, you know, I would say revenue to answer.
Bill Fukui 24:08
Gotcha. And I will say the, you know, when you’re saying, How can we do this type of work without having to hire somebody that really is an expert in this. I mean, the cost to hire somebody to do this in a practice, it’s, it’s beyond their their financial capabilities. They can’t do it. They’ve got to then more, you know, they don’t have the excess, you know, capital, to have a position like that. So basically, it just goes untapped, right? Yeah, just exactly. So one, one thing that you had mentioned earlier was that you also, and I didn’t realize you did you guys do a chat service, if you incorporate chat, so how does that work?
Ben 25:00
Yeah, I mean, it’s, again, I’ll compare it to like a ChatGPT, but it’s a very secure way for the end user to chat with their data. So we call it Ava. That’s our analyst, AI analyst on our platform, and you can literally come in and be like, Hey, what happened at Ben’s location in Cincinnati last week? And Ava will give you a strategic summary about what happened based on like key KPIs, let’s say in that sense, because, again, tying back to that generative AI piece, it’s always continuously learning what you’re constantly asking questions about. So we have the ability now to start seeing some of those questions come through relatively straightforward.
Bill Fukui 25:41
So this is not just me typing everything in. You can actually just do amazing.
Ben 25:49
Yeah, you can ask, like, pretty broad questions and get some pretty interesting answers, like we’ve, I mean, we’ve sat in on with clients as they’re like, typing and just to like, kind of like, see what they’re asking. Because, again, in the early stages, we were collecting feedback from so we were seeing what they were typing. And like, you could ask, like, very, very broad questions, and you’d be pretty surprised at like, the answer you get. Because, like, most of them, like, again, AI, sometimes you take it with a grain of salt, but like, most of them make a ton of sense. Like, if you keep chatting with it, it, it just continues to get better and evolve.
Bill Fukui 26:25
So, yeah, no, that I, and I love the idea of being able to for you to sit in on, you know, so that practices can kind of, I think people are getting used to. It’s almost like learning how to chat, right? Almost like, what kind of questions can I ask? You know, amazing. All of a sudden, you’re trying different things, and you’re learning, oh, my goodness, I can, yeah.
Ben 26:55
And your point there just reminded me is, like, there is like a level, there’s like a connotation in the market where it’s like, oh, I need to be an expert AI prompter to get value out of AI like that. That is so far from the truth, because, again, there’s, if you’re struggling with prompting, there’s free tools out there, and there’s some paid ones that will help you actually prompt AI like, there’s like, pre-written, like, you can click on the subject, like, marketing. Oh, I’m gonna do this. I’m gonna, like, click through it, and it gives you a very sample prompt. So if, like, that’s something you struggle with, there are resources out there as well. But I would say the fear of, like, being able to prompt AR, having to be an AI prompt expert, I would say that you don’t need to do that. We’ve heard that in the space as well. It’s like, Well, I’m not an AI prompt expert, so I don’t know if I’m gonna get a ton of value from the chatbot.
Bill Fukui 27:50
That’s my concern is practices, especially older school, you know, practitioners like me, right? We’re a little intimidated by it. We’re a little intimidated by it, so the interface has to be so you know, dummy down a little bit so that not you know, hey, I can, I can get more comfortable. And next thing you know, I’m I’m doing this all. A lot of my free time, I’m learning more about my business than I ever knew. I think that’s kind of the light bulb that goes off, and that’s kind of a not only just from a profitability. I think practices emotionally, practitioners emotionally get excited about this because they can see their business from a different perspective than they ever seen it before.
Ben 28:45
Yeah, I mean, any no-code solution, it’s almost fun for the end user. Like we, we like, I describe it as fun, like we’ve seen, like current customers, customers of ours, they’re almost having fun because, like, it’s so simple to chat with your data in our platform, and they’re getting a ton of value out of it. And then even, like, once they leave our platform, they go back to the EMR to do, like, some sort of analysis. It’s very likely, pointed like, hey, I need to go here. I don’t need to go dig around in these reports, pull a bunch of stuff into Excel, and try to figure out what I’m looking for. It’s like, you already know what you’re looking for, so you’re not like, Hey, I’m gonna go into my EMR and pull this out, or, Hey, I’m gonna go into QuickBooks and pull this report like I know exactly where to go, and it almost answers it for you.
Bill Fukui 29:33
You know. And the other thing too is, you’ll learn about things, maybe even gaps in your data. Maybe we need to start collecting this data, you know, because it’s showing that it doesn’t have access to that. Hey, would that be really helpful? Yeah, yeah.
Ben 29:50
Well, in Sorry to interrupt that to that point, it’s like, it ties back to our data cleaning portion, where it’s like garbage in, garbage out. That’s a fear of any data visualization tool. So now we have the ability to flag the anomalies where it’s like, hey, like, this number doesn’t look right. Like your revenue per hour, per hour is a million dollars. Like, probably, there’s probably a data issue, in a sense. So like, now even if I’m a bookkeeper, like, let’s say I’m a bookkeeper, and we flag an anomaly in QuickBooks, I know where to go now to fix it’s like, Oh, hey, I know where to look. Hey, oh, hey, I saw I keyed too many zeros in, or whatever, whatever the issue was. Like with AI, you’re able to solve that. So again, it just goes back to like, having trust in your data. And, like, I know another area of concern is that data accuracy portion.
Bill Fukui 30:48
So, yeah, okay, super. Hey, we can talk about this stuff all day, right? Yeah. But before we get to the end of the program, I just want to make sure, because I’m still a neophyte when it comes to AI and all the things that we could be or should be doing within our practices, whether it’s marketing or from an operation standpoint, is there anything you would like to that I may not have asked the right question, or is there something you feel like we need to drive home with our audience today that’s going to be important, or that they should walk away with?
Ben 31:27
Yeah, I mean. Really, if I could leave you all or like practices with one thing, it would be that you don’t need more data, you need better visibility and faster action. Really, the practices winning right now are the ones using data weekly, daily, not quarterly, not biannually. They’re using it every day, making decisions based on their data every day. So those are the ones that are winning in today’s market.
Bill Fukui 31:53
You know, I think once practices start getting into the habit of doing more of that, they will look at their practice so differently. Yeah, I would. I’m just, I’m fascinated by this, so do me a favor for our audience today. How? How can they get a demo from you? How can they contact you get more information? Yeah, I really want people to look into this, because it not only could it will change how you run your practice.
Ben 32:26
Yeah, very easy. You can either go to our website inside X or inside-x.io, or you can find me on LinkedIn. And if anyone wants a live walkthrough, I would say the easiest way is to book a demo with our calendar link, and I can also put that, provide that as well if we need it, but happy to show anyone what’s possible when you’re becoming an expert in your data.
Bill Fukui 32:49
And you’ve actually done that with me, you’ve actually pulled up your dashboard and shown me some of the insights. It’s just, you were just showing me stuff that you would already it would be more impressive if I could do it myself and pull up data that I wanted, exactly something that you’re showing me, but it’s stuff that I’m looking for or that I’ve created. I think people are going to be so excited about what you guys have to offer. Yeah. Well, Ben, thank you again for today, great insight. I probably will try to schedule another updated podcast with you, just to kind of, because even from the time we talked at Aesthetic next, which was only a month and a half ago. You’re already doing new things.
Ben 33:43
Yeah, yeah, no, definitely. And we’ll be around at some of the major industry conferences. I know we’re going out to Am Spa in April. We’re going to be exhibiting there. So, looking forward to connecting with you again, Bill, and then looking forward to connecting with other industry leaders.
Bill Fukui 33:58
Super everybody. Have a great day, and I hope you find a lot of value and definitely reach out to Ben.
Ben 34:03
Thank you.
Bill Fukui 34:05
Take care.
MSD Insider 41:56
Thanks for joining us for the MedShark Insider with Bill Fukui. Join us next week for another dive into all things medical marketing. All episodes can be streamed at wwwmedsharkdigital.com/medshark-insider.