• Lionel Messi has fractured his arm one week before the biggest match of FC Barcelona's season so far.
• The injury occured after just 17 minutes of Saturday's La Liga game against Sevilla.
• Messi had already provided one assist and scored one goal before he suffered a horrific fall while challenging for the ball alongside Sevilla midfielder Franco Vazquez.
• Messi was treated by the sidelines, had his arm wrapped with a bandage, and used his shirt as a sling before he was ultimately replaced by Ousmane Dembele.
• It has been confirmed Messi will be out of action for the upcoming El Clásico match against Real Madrid on Sunday, October 28.
• Read all of Business Insider's coverage for the 2018-2019 European soccer season here.

Lionel Messi needed just two minutes to create a goal when FC Barcelona played Sevilla at Camp Nou on Saturday, then scored one himself 10 minutes later.

It looked like world soccer was about to get treated to yet another Messi masterclass, but the forward suffered a horrific fall in the 17th minute, badly injured his arm, and was substituted off of the field.

The injury looked so bad, former Barça striker Gary Lineker, who presents the popular British soccer highlights show "Match of the Day", tweeted that his arm"may be broken."

Lineker said that the player's first half cameo was "all we're going to get." He added: "Looks like he's seriously damaged his arm… may be broken."

The global news network beIN Sports also tweeted that the injury could be a "dislocation or fracture."

The clash occured just over a third of the way into the opening half of the Sevilla game. Barcelona was already leading 2-0 and Messi, who was by far the most effective player on the pitch, tussled for the ball alongside Sevilla midfielder Franco Vazquez.

Messi got tangled up, fell over Vazquez's leg, and landed awkwardly on his arm with his right elbow bending in the opposite direction to his body.

Messi received treatment on the sidelines, had a bandage wrapped around his arm by club physios, and left the field using his shirt as a sling, according to beIN Sports. He was eventually replaced by Ousmane Dembele.

After the match, FC Barcelona confirmed the severity of the injury on its Twitter account.

"Tests carried out on the first team player Leo Messi have confirmed that he has a fracture of the radial bone in his right arm,"a statement said. "He will be out for approximately three weeks."

The injury leaves FC Barcelona without its best player one week before its biggest match of the year so far — the highly-anticipated El Clásico against bitter rival Real Madrid on Sunday, October 28.

Prior to the Sevilla game, Messi was Barça's standout performer with an overall La Liga rating of 8.43 from eight outings, according to statistics website Whoscored.com.

As Barcelona's next best player is Philippe Coutinho with a rating of 7.35, Messi's absence will be felt. 

Barcelona beat Sevilla 4-1.

SEE ALSO: Neymar is still being upstaged by Messi despite leaving Barça to escape living in his shadow

DON'T MISS: Lionel Messi has turned on his own teammates as FC Barcelona continues to struggle for victories

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75 years ago, US bombers flew into the 'most violent, savagely fought, and bloodiest' battle of their campaign to halt the Nazi war machine

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The Apple Watch packs a surprising amount of tools into a tiny package.

From messaging to productivity to advanced fitness tracking, the Apple Watch has something for everyone.

But not every Apple Watch feature is obvious from the get-go. Apple has filled the watch — which is now on its fifth iteration, the Apple Watch Series 4— with neat tricks and helpful tools to make using the watch a lot easier. And now that the latest version of Apple's smartwatch operating system, WatchOS 5, has arrived, there are even more cool tricks (as long as you have an Apple Watch Series 1 or newer). 

So whether you're new to Apple Watch or a longtime user, here are 23 tips and tricks for getting the most out of your Apple Watch. 

SEE ALSO: 11 reasons you should buy an Apple Watch instead of Fitbit's new $200 smartwatch

1. You can use your Apple Watch to find your iPhone if it gets lost.

The Apple Watch can send out a pinging noise to help you find your iPhone if you misplace it. To access that feature, swipe up from the bottom of the screen and tap the button that looks like a ringing phone. 

If you need a little extra help finding your device, press and hold the button to make your phone's flash go off. 

2. You can customize your Apple Watch's face.

Apple makes it easy to customize your watch face. Once you find a face you like, press and hold in the center of it — Apple calls this Force Touch. You should then see a button that says "Customize."

You'll then be able to change the color of the face, or add different widgets like weather, your calendar, music, or workouts. 

3. You can set your watch to turn off Do Not Disturb when you leave a specific location.

If you have to head to an important meeting and don't want to be annoyed by your wrist constantly buzzing, Apple's "Do Not Disturb" feature is incredibly handy.

In WatchOS 5, Apple did you one better: You can now set your watch to turn off "Do Not Disturb" as soon as it sense you've left a specific location. 

To do this, swipe up from the bottom to access the Control Center. Then, scroll down until you see the crescent moon that signifies the "Do Not Disturb" feature. Tap on that, and scroll down until you see the option for "On until I leave." 

Non-invasive, simple, and personal. That's how Alma wants to remake the experience of going to see a therapist. 

Stepping out of the elevator on the 21st floor at 515 Madison Avenue in Manhattan, you might just think you're headed into a meeting at any other office space housing startups of various sizes.

Inside, however, the floor is home to Alma, a co-working space geared specifically toward therapists looking for a place to meet with their patients. Alma, which has raised $4.5 million in seed funding, opened its first location on October 10. 

Therapists who become Alma members can use the space to hold individual therapy meetings and group sessions. 

Before starting Alma, CEO Harry Ritter was vice president of care delivery at health insurer Oscar Health. There, he helped create 'the doctor's office of the future.' Oscar had worked to bring mental health professionals into the space, but Ritter, a physician by training, noticed that they faced key challenges: the therapists often practiced on their own and space to meet with patients was hard to find and secure for therapists with patchwork schedules.

So he created Alma to fix that. So far, Alma's signed on about 30 therapists, and it has the capacity to support around 115 providers.

Take a look inside the practice, where succulents and calming spaces abound. 

SEE ALSO: Take a look inside Johnson & Johnson's new startup incubator in NYC's SoHo neighborhood, that feels more like a rustic-chic coffee shop with jewel-toned couches

Alma is a membership-based community for mental health providers, which include therapists as well as nutritionists and acupuncturists. Through a monthly membership fee, Alma provides the physical space they might need, but therapists can set their own rates for patients. Getting off the elevator, there are plants and wood paneling to greet you before entering the practice.

Patients are given a card from Alma, and they can show that to the doorman to avoid the sometimes intimidating process of having to check in with an ID card. Once they get up to the 21st floor, they can ring the doorbell to be let in.

Walking in, the first thing you come across is a waiting area for clients. There are mugs for tea, couches, and bookshelves in this space. The couches were designed to face in the same direction to bypass any uncomfortable feelings patients might have encountering other people while waiting for their appointment to begin.

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

Mortgages are valuable for retail banks, but they're also complex products. In the UK alone, mortgages account for almost 60% of retail banks' profits. But mortgage lending can be a complicated process — it involves estate agents, appraisers, and conveyance agents.

This complexity has resulted in major consumer pain points, like a lack of understanding of mortgages, inconvenient access channels, and difficulty switching providers. In an increasingly digital landscape, tech-savvy consumers are starting to demand simpler ways to take out mortgages, and legacy providers are suffering. In the US, the top three incumbent lenders together captured about 45% of the overall mortgage market in 2011; they hold just 24% in 2017.

But a new class of mortgage-focused startups have developed a range of business models to help incumbents update this valuable product for the digital age. Their strategies vary between geographies: In countries like the US and UK, where homeownership is culturally important, they help incumbents keep consumers interested in taking out home loans.

Meanwhile, in countries like Germany and Switzerland, where people prefer renting, they help incumbents attract new mortgage customers. Some incumbents are already partnering with these players, while others have opted to launch in-house initiatives. Each strategy has its pros and cons, but incumbents must adopt an approach to avoid losing relevancy and market share.

There are still some fundamental problems in the insurance market that present obstacles to innovation — for both startups and incumbents. But there are ways to overcome them while making mortgages more attractive for consumers and improving returns for lenders.

In a new report, Business Insider Intelligence looks at the fundamental problems dogging the current mortgage process and examines why these flaws are becoming impossible for incumbent mortgage providers to ignore. It also outlines the types of fintechs stepping in to drive innovation in the mortgage space, some current efforts by incumbent banks, and hurdles still standing in the way of large-scale change in the mortgage industry, as well as what can be done about them.

Here are some of the key takeaways from the report: 

• Mortgages are among retail banks' most profitable products, but these lenders have been slow to adapt mortgages to a digital economy. This has created pain points in the customer journey, like inconvenient access channels, and difficulty switching providers.
• Ignoring these pain points is no longer an option for incumbents. The rise of alternative, digital-only mortgage firms is putting them under increasing pressure to make mortgages more attractive.
• Fintech startups have detected an opportunity in incumbents’ slowness to innovate, and have developed several strategies to help them, like broadening their distribution channels, improving customer relationships, providing attractive front-ends, and making their back-ends more efficient.
• Some incumbents have instead chosen to innovate their mortgage processes in-house. There are pros and cons to both strategies, which incumbents should weigh in order to add the most value for customers and their own businesses. 

In full, the report:

• Examines the flaws in the mortgage status quo that are upsetting consumers and dampening returns for lenders.
• Discusses why incumbent lenders can't afford to delay innovating any longer around this product.
• Outlines different ways mortgage fintechs are breathing new life into this product, including by helping incumbents.
• Looks at some mortgage efforts already underway by incumbent lenders, and some considerations that should guide their projects.
• Gives an overview of hurdles still standing in the way of large-scale change in the mortgage space, and how they can be overcome.

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• Google is a dream job for many workers in the tech industry.
• We spoke to former Google employees to find out why they decided to leave the company.
• Their answers ranged from frustration with company politics to a desire to take the next step in their career, whether that's learning new skills, building a new company, or becoming a social-media influencer.

Google is routinely rated one of the best places to work in the US.

It's no surprise that with a median salary over $160,000, generous benefits packages, and perks like free gourmet food, massages, and music lessons, Google is considered a dream job by so many people in the tech industry.

So why would anyone ever want to leave?

We spoke to several former Googlers to find out why they left the company, compiling their responses with those of other former employees who have written about their departures publicly.

Their reasons include everything from frustration with company politics to simply wanting to feel more freedom at a smaller company. One former Googler even quit to become a social-media influencer.

Read on to see the reasons 15 former Googlers gave for leaving the company.

SEE ALSO: 3 former Google execs explain why they left a company where just about everyone wants to work

DON'T MISS: A millennial who left her 6-figure job at Google to be a full-time social media influencer explains why she was willing to take the risk

Liz Wessel, cofounder and CEO of WayUp

Former position at Google: Product marketing manager

Why she left: Wessel told Business Insider she knew it was time to leave Google when she couldn't stop thinking about her next career move.

"If you can't do a good job at your job anymore because you're spending all of your time thinking about another job opportunity, that's probably a good sign," she said.

Tyler Breisacher, software engineer at Hustle

Former position at Google: Software developer

Why he left: Breisacher was one of about a dozen Googlers who left the company in April to protest Google's controversial collaboration in which it provides the US Department of Defense with artificial-intelligence technology.

After thousands of employees signed a petition, Google announced it would cease work on the project next year.

"This is obviously a big deal, and it's very encouraging, but this only happened after months and months of people signing petitions and [internal debate] and people quitting," Breisacher told Business Insider.

Breisacher said his decision to leave was also influenced by Google's sponsorship of a conservative political conference and its failure to act decisively after YouTube videos related to LGBT issues were flagged as inappropriate on the site.

"When I started, Google had a reputation as a pro-gay, pro-trans company," Breisacher, who is gay, told Business Insider. "I guess I'm disillusioned. I know that Google is a for-profit company and you shouldn't expect it to do things purely for the good of the world. But in the past, we would expect leaders to listen to the employees and to think carefully about issues and not to cross certain lines.

"Things have changed at Google."

Krystal Bick, social-media influencer

Former position at Google: Product marketing manager

Why she left: Bick left her six-figure job at Google in 2015 to pursue her side hustle: being a social-media influencer.

She knew it was time to leave after she recognized that influencer marketing was seeing an influx of advertising dollars. Now, she earns as much as four figures for a single sponsored post and five figures for brand ambassadorships.

More importantly, she said, being an entrepreneur is liberating.

"There's 90% certainty, and there's 10% of 'this could really fail miserably, and then I don't know what I'm going to do,'"Bick told Business Insider. "But I think I was comfortable enough with the fact that even if I fall flat on my face, at least I tried it, and I tried it at a moment where I feel like it really was an opportunity to try it."

• Anne Wojcicki, the CEO and founder of Silicon Valley's most popular genetics testing startup, 23andMe, said this week that she hopes the company expands its current health offering lineup.
  
• 23andMe, which made headlines recently on the heels of a new $300-million partnership with drug giant GlaxoSmithKline, currently offers health screenings for some of the genes involved in breast cancer, Alzheimer's, and Parkinson's.
  
• On Tuesday, Wojcicki said she hopes to add a new health offering that looks at how you process  medications including those for depression.
• Albertsons pharmacies and gene testing startup Color Genomics currently offer that kind of test for $250-$750, but many scientists say it's not worth the money.

Anne Wojcicki, the CEO and founder of popular Silicon Valley gene testing company 23andMe, doesn't feel like the company is currently offering what she called a "complete product."

That's because the current gene testing kit — which includes health screenings for some of the genes involved in Alzheimer's, Parkinson's, and breast cancer — does not include a test that looks at how you process medications including those for depression.

Those DNA tests, which assess genes involved in the break down of antidepressants in the body, are currently being offered by psychiatrists and Albertsons pharmacists in three major cities at a hefty price tag of $750. Just last month, another Silicon Valley genetics testing startup called Color Genomics began offering the test as part of its $250 kits. 

And on Tuesday at a conference organized by Rock Health, one of Silicon Valley's premier health-tech funding groups, Wojcicki said she hoped her company could include that kind of test in its product lineup soon.

But many scientists feel the tests don't offer a clear benefit to people and in some cases are not worth the money. Among other issues, the tests may give conflicting results to the same patient for the same medication and don't tell providers which specific medication is best, according to experts.

'When we can bring pharmacogenomics back, then we have a complete product back'

In the early days of 23andMe, the company included a test for depression medications in its lineup of health offerings, Wojcicki said. But in 2013, the Food and Drug Administration forced the company to stop selling those products and get federal approval on the grounds that the tests could be misinterpreted as health advice. The company was allowed to continue selling the genealogy component of its kit, which looks at ancestry.

Last year, the FDA gave the company the green light to again sell some of its health screenings. On the heels of that decision, 23andMe rolled out a limited selection of some of its original products. The most recent addition, unveiled in March, is a test for some of the genes involved in the risk of developing breast cancer, also known as BRCA genes.

Now, the company is only missing one of those original health products, Wojcicki said: a test for depression medications, also called pharmacogenomics.

"The only one we don’t have back yet is pharmacogenomics. We used to have that and we’d like to have that one come back," Wojcicki said on Tuesday at a panel discussion at the Rock Health Summit in San Francisco.

“When we can bring pharmacogenomics back, then we have a complete product back," she said.

It remains to be seen how the company would roll out such a test. Because 23andMe sells its tests directly to people (they can be purchased online and at a selection of drug stores), it would need to get FDA approval before selling an additional health product. The test could be incorporated into the existing health lineup, which currently includes tests for Alzheimer's, Parkinson's, and breast cancer for $199, or it could be sold as a stand-alone test.

Color Genomics chose to incorporate its new pharmacogenomics product into its existing $250 test. Unlike 23andMe, which sells its services directly to consumers, Color requires people to order their tests through a medical provider. In addition, the company mandates talking with a professional genetics counselor and a clinical pharmacist to avoid potentially dangerous misinterpretations of the results.

Genomind and Assurex, the two companies who offer a standalone pharmacogenomics product, sell the test through psychiatrists and some pharmacists for $750.

Wojcicki did not provide further details on how much the test — should the company ultimately choose to offer it — would cost or when it would be available. A company representative also declined to offer Business Insider more information about the test. But Wojcicki said she saw the pharmacogenomics service as part of the company's overall mission to help empower customers with more data about themselves and prevent negative health outcomes when possible.

"I think one thing genetics can do is help prevent a lot of early deaths," Wojcicki said.

SEE ALSO: DNA tests that cost as much as $750 claim to tell you which antidepressant is best for you, but scientists say they're not worth the money

DON'T MISS: DNA-testing company 23andMe has signed a $300 million deal with a drug giant. Here's how to delete your data if that freaks you out.

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• Libby Leffler, a former Facebook executive and Google employee, is now the vice president of membership at SoFi.
• Leffler recommends that, before you ask your boss for a raise, you put yourself in their shoes. What are they going to be thinking and feeling when you start negotiating?
• She also reminds people that they can negotiate for things other than a salary bump, like benefits.

"Being able to put yourself in someone else's shoes is really important."

This is true of life in general, but it's especially true when you're asking your boss for a raise.

According to Libby Leffler, who is the vice president of membership at personal finance company SoFi as well as a former Googler and Facebook executive, the first thing to do when you're planning to petition your manager for a salary bump is to "consider where you're coming from and where they're coming from."

For example: Are they trying to manage an already-tight budget for the division? Are they under strict orders only to grant raises for knock-it-out-of-the-park performance? Once you understand their goals and constraints, you can adjust your pitch accordingly.

Leffler's advice recalls insights from Daniel Shapiro, founder and director of the Harvard International Negotiation Program, and author of "Negotiating the Nonnegotiable." Shapiro previously told Business Insider that it can be helpful to play the role of your boss while a friend or colleague plays you.

The idea is to think and feel how your boss might be thinking and feeling — and to then tailor your strategy so it really resonates with them.

Remember, too, Leffler said: You can negotiate for outcomes other than financial ones. "Compensation is whatever these things mean to you," Leffler said. It can be flexible hours, extra vacation time, equity, or bonus pay. Figure out what exactly you want (and what your boss might be most likely to concede).

Leffler's most important piece of wisdom? "Practice, practice, practice your pitch before walking in." She'd never advocate going in cold.

Leffler said, "You want to take all these steps in advance to really set yourself up for success."

SEE ALSO: A former exec at Google and Facebook doesn't just expect job candidates to negotiate their offer — she hopes they will

Join the conversation about this story »

NOW WATCH: I woke up at 4:30 a.m. for a week like a Navy SEAL

• The Saudi government targeted and punished several dissidents after the American consultancy firm McKinsey & Company identified them in a report as critics, The New York Times reported.
• McKinsey reportedly created a nine-page report gauging public response to Saudi austerity measures announced in 2015, and found that three dissidents had a major influence over negative coverage on Twitter.
• One of the dissidents was arrested, another was hacked and had two brothers arrested, and a third, anonymous user's account was shut down, The Times reported.

Several dissidents were targeted by the Saudi government after a report from the American consultancy firm McKinsey & Company identified them as having a heavy influence over social-media criticisms of Saudi austerity measures, according to The New York Times.

McKinsey reportedly created a nine-page report measuring the public's response to austerity measures announced in 2015, and found that there was twice as much coverage of the measures on Twitter than on other news platforms, and that the coverage was overwhelmingly negative.

The McKinsey report, obtained by The Times, found that three people were particularly influential on Twitter, including Khalid al-Alkami, a writer; Omar Abdulaziz, a Saudi critic who lives in Canada; and an anonymous user identified as Ahmad.

Following McKinsey's report, Alkami was reportedly arrested; two of Abdulaziz's brothers were arrested, and the government hacked Abdulaziz's phone; and the Ahmad account was shuttered.

A McKinsey spokesman said in a statement to Business Insider that the report was not created for the Saudi government, used publicly available information, and was intended primarily for an "internal" audience.

"We were never commissioned by any authority in Saudi Arabia to prepare a report of any kind or in any form to identify critics. In our work with governments, McKinsey has not and never would engage in any work that seeks to target individuals based on their views," the spokesman said.

He continued: "We are horrified by the possibility, however remote, that it could have been misused in any way. At this point, we have seen no evidence to suggest that it was misused, but we are urgently investigating how and with whom the document was shared."

The news comes amid international uproar over the death of Washington Post journalist Jamal Khashoggi, whom the Saudi government acknowledged Friday was killed in a consulate in Istanbul, Turkey. Khashoggi had frequently criticized the Saudi government and Crown Prince Mohammed bin Salman in his columns.

Khashoggi's death, which the Saudis have said occurred after a physical altercation, has highlighted the Saudi government's attempts to quash dissent and silence critics, and shone a spotlight on the companies and governments who have aided the regime.

SEE ALSO: Here's everything we know about the troubling disappearance and death of Saudi journalist Jamal Khashoggi

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NOW WATCH: Inside the Trump 'MAGA' hat factory

• In March, I left New York to travel around the world as Business Insider's international correspondent. In total, in my life, I've traveled to 30-plus countries.
• While traveling I've made tons of dumb mistakes that I'd like to avoid in the future. Everything from getting pickpocketed in the Mexico City metro to getting tricked by a fake taxi. 
• Learn from my mistakes and save yourself some aggravation.

The idea that travel is an adventure is one of the oldest clichès in the book. But, it's a clichè because it's true. And, on adventures, things go wrong. Often.

I've made so many mistakes while on the road that it would be impossible for me to recount them all. I've worn the wrong footwear on hikes and ended up with blisters as big as my heel.  I've been pickpocketed not once, but twice. I've taken a metro in the wrong direction a dozen times. The mistakes never end.

But that's also what I love about travel: the constant sense of exploration, of trial and error, of sketching out new terrain on your mental map.

Below, I've collected as many of the mistakes as I can remember that I've made while traveling. There are a lot. Perhaps you'll learn from my mistakes and save yourself some aggravation. 

SEE ALSO: I traveled the world for 6 months, and here's the single best piece of advice I can give you for any trip you take

DON'T MISS: I've been traveling the world for 6 months, and I've found real life doesn't always live up to the hype. These are the most disappointing places I've been.

1. I forgot to print out my boarding pass before getting on a budget airline. I had to pay $34 to print out my boarding pass at airport check-in.

2. In Bali, I made the mistake of wearing flip-flops while driving a scooter bike. When my hand slipped on the throttle with my foot on the ground, it dragged and I ended up with a nasty cut.

3. On my last night in Tokyo, I decided it was a good idea to spend the night out drinking at an izakaya and singing karaoke. I woke up in a stupor, barely made my 8 a.m. flight, and was nauseous for the entire 13-hour flight to New York.

• Devoted Health, a startup that wants to reinvent how we care for aging Americans, just raised $300 million ahead of its launch of health plans for 2019 in parts of Florida. 
• Devoted's founders have tons of healthcare experience, but the company will have to compete for customers with some of the biggest health insurers in the US.
• The funding will be used to fuel the plans through 2019, as well as help Devoted build up its technology. "Now we can sprint," DJ Patil, Devoted's head of technology told Business Insider.  

A startup that wants to reinvent the way we take care of seniors in America just raised hundreds of millions as it gears up to launch its new plans in 2019. 

Devoted Health on Tuesday said that it had raised $300 million in a series B round led by Andreessen Horowitz, bringing its total funding to $369 million in funding. The company is based in Waltham, Massachusetts, but it'll initially offer Medicare Advantage plans in parts of Florida, starting next year.

Devoted is the latest firm to enter Medicare Advantage, the private side of the government-funded Medicare program for seniors. It'll have to compete for customers immediately with big, entrenched rivals like Humana, UnitedHealth Group and soon-to-be-merged CVS Health and Aetna. UnitedHealth on Tuesday said that it covers 4.9 million Medicare Advantage members, 12 percent more than a year earlier. About 19 million people were covered by Medicare Advantage last year.

Oscar Health, known for its individual plans on the Affordable Care Act insurance exchanges, said in August that it plans to move into the Medicare Advantage market after raising $375 million from Alphabet. Clover Health, which was founded in 2014, has been offering insurance plans in four states, with plans to expand into three more in 2019

Devoted was founded in 2017 by brothers Ed and Todd Park. Prior to Devoted, Todd co-founded health IT company Athenahealth and served as chief technology officer of the US during the Obama administration. Ed, who serves as Devoted’s CEO, was formerly chief technology officer and later chief operating officer at Athenahealth.

The company's plans might look a bit different from traditional insurance in that Devoted plans to do more than pay for visits to doctors and hospitals. It's also hiring nurses and other employees aimed at keeping seniors healthier and out of the hospital.

Because health insurers are in charge of paying for healthcare, the companies tend to know what's going on with a particular patient: have they been in for a check-up, or have they had a recent trip to the emergency room? Knowing that, the insurer — in this case Devoted — can clue in the other parts of the system so that the primary care doctor knows when his or her patient has been in the hospital and can follow up with them, for example. 

To do that however, the Devoted team had to build out its own technology to process claims as well as build out its networks of doctors that it can work with. The latest funding round is being used to build out the technology to help them do that. 

"Now we can sprint," DJ Patil, Devoted's head of technology told Business Insider. 

A growing Medicare Advantage market

Medicare Advantage, the private version of the government health insurance program for the elderly and some disabled people, has been steadily growing. As of 2017, 33% of people on Medicare were in one of these plans. Individuals can typically choose to enroll in either Traditional Medicare or Medicare Advantage plans.

Medicare Advantage works like private insurance does for those under 65. It's designed to allow people to shop around and choose among different plans, which may restrict which doctors and hospitals individuals can use. The US government in turn pays the insurers a certain amount for each person who is covered, creating an incentive for the insurer to try to keep that person healthy and out of the hospital. If the insurer does a good job of caring for its customer at a low cost, it can keep the extra funds as profits.

"Medicare Advantage is today the simplest way to align financial incentives across the various parties in the system," Venrock partner Bryan Roberts, who's an investor and board member at Devoted told Business Insider. "Therefore, you can drive better efficiency in the healthcare system." 

Vijay Pande, a partner at Andreessen Horowitz, said a key reason his firm led Devoted's fundraising was because of the implications plans like Devoted's could have beyond Florida, and even beyond just Americans 65 and older. 

"The future could look like Medicare Advantage for all," Pande said. 

See also: 

• A VC spoke to 30 founders and investors about the $350 billion elder-care market and found 3 reasons why starting a company in the market is a challenge
• Oscar Health just raised $375 million from Alphabet
• US investors are pouring millions into a healthcare company that doesn't take insurance and lists its prices like a 'McDonald's menu'
• One Medical, a fast-growing startup that just raised $350 million to reinvent how you visit your doctor, is betting it can 'blow this thing out nationally'

Join the conversation about this story »

NOW WATCH: 3 surprising ways humans are still evolving

• Detroit police found 63 remains of infants and fetuses at a funeral home — just days after discovering the remains of 11 babies at a separate funeral home.
• Police Chief James Craig told reporters he couldn't say with certainty that the incident was isolated to just two funeral homes. "This is much larger than we might know," he said.
• Investigators originally found the remains of 11 stillborn babies concealed in a funeral home's "false ceiling," after they received an anonymous letter tipping them off.

Detroit police on Friday announced they had found dozens more remains at a funeral home just days after uncovering the corpses of 11 infants concealed in the ceiling of a separate, defunct funeral home.

Authorities said they found remains of 63 infants and fetuses at the Perry Funeral Home, 36 of which were found in boxes and 27 in freezers.

"This is deeply disturbing," Police Chief James Craig told reporters at a press conference. "I am committed to get to the truth. I'm committed to following the evidence."

Craig said the police department's phone was "ringing off the hook" since the original discovery of 11 remains last week, adding that it's possible there are more remains at different establishments yet to be found.

"I would like to look at you and tell you I hope not," Craig told one reported. "I hope that it is isolated to these two. I can't say that with certainty. So this is much larger than we might know."

The Michigan Department of Licensing and Regulatory Affairs said Friday it suspended the mortuary science licenses of Perry Funeral Home and its director, The Detroit News reported.

The original discovery of 11 corpses came after authorities received an anonymous letter tipping them off about the Cantrell Funeral Home, which had been closed for months due to "deplorable conditions,"according to The Detroit News.

Investigators then reportedly found the remains of 11 stillborn babies concealed in a "false ceiling" between the first and second floors of the building. Nine of those infants' bodies were in cardboard boxes, and two were inside a trash bag, which in turn was inside a infant-sized casket.

Craig said Friday that the investigation into the second funeral home came after authorities received a second tip from a parent who had heard a media report of the first discovery of remains.

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• Traders refuse to throw in the towel on the controversial short-volatility trade that's come under pressure multiple times this year.
• Morgan Stanley lays out why the trade is so ill-advised, especially amid current conditions, and offers alternative solutions.

Sometimes old habits die hard.

That's definitely the case when it comes to one hot-button trade that still has legions of participants despite an ugly blowup earlier this year.

We're referring, of course, to volatility short selling. After a market shock in early February caught traders off guard and forced them to cover positions, billions of dollars were erased from popular investment products. Some even dissolved entirely.

That carnage, in turn, worsened widespread selling pressure as those investors covered shorts in droves. And all of a sudden, the market had a new black sheep.

Those traders don't appear to have learned their lesson. As this chart shows, they've rebuilt a net short volatility position to rival the one seen before the February meltdown.

In fact, they went as far as to add to it during last week's market mayhem. The most recent weekly period in the chart ended Thursday, the day the Cboe Volatility Index, or VIX, reached a multimonth high.

Their hubris wound up costing them dearly last week, when the S&P 500 capped off a sharp six-day drop, pushing the VIX to 24.98, its highest since the mess eight months ago.

That cost volatility short sellers roughly $420 million, one expert told Bloomberg. It wasn't as bad as the February incident, which saw the VIX exceed 37, but it was still a tough pill to swallow for volatility bears.

Morgan Stanley is hardly a fan of the short-volatility trade. Strategists at the firm spoke out against it after last week's pan-market sell-off and accompanying volatility spike.

The firm argued that it could take five to six months to "build up cushions" against a reversion to the mean whenever there's a surge in price swings. Because of that, an increasingly volatile market can quickly undo progress.

Morgan Stanley is also cautiously watching the sudden rerating of so-called growth stocks — or companies seeing torrid earnings expansion. They say this is driving the ongoing uptick in volatility, which is hardly a fleeting trend, as traders increasingly pile into inexpensive value names instead.

These investors should instead be throwing in the towel on their beloved trade and going long volatility, Morgan Stanley says. The firm offers some specifics.

"Like in January, the equity market has been the most responsive to a sector rotation-driven drop," Andrew Sheets, Morgan Stanley's chief cross-asset strategist, wrote in a client note. "We have liked owning hedges on Russell 2000, which tends to underperform S&P 500 in drawdowns. Credit vols have also risen but are still below average levels, again suitable for a long vol bias."

That being said, common sense and expert advice haven't stopped short-volatility enthusiasts yet, and probably won't in the future. It's likely that they used the recent VIX spike to replenish their short positions — an inverse buy-the-dip strategy of sorts.

But their luck may soon run out, at least if a recent forecast from Bernstein comes true. Inigo Fraser-Jenkins, the firm's head of global and quantitative European equity strategy, thinks volatility will shift higher on a long-term basis.

It seems like a sound thesis based on how the past couple of years have played out. During 2017, the VIX averaged a record low of 11.10, implying that it had nowhere to go but up. Sure, it's still below its long-term average of 19.33, but any reversion to the mean would translate to more volatile conditions.

But if short-volatility traders have shown one quality over time, it's that they're a stubborn bunch. They're likely to go down swinging, no matter how dire the situation becomes.

SEE ALSO: Here's why the recent chaos in markets is the new normal

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NOW WATCH: Never eat the 'clean' part of moldy bread

• On Thursday, Gigi Hadid stepped out in New York City wearing a pair of Vetements x Reebok sneakers that retail for $840.
• Designed to look like tube socks, the pull-on shoes feature thick rubber soles and white knit fabric.
• Hadid paired the sock sneakers with gray sunglasses, pink- and white-striped cut-off jeans, and a simple white long-sleeved top.
• She also accessorized with a white Prada handbag that retails for $2,390.

Like fellow model Kendall Jenner, Gigi Hadid is a fan of bold shoe designs.

On Thursday, the model stepped out in New York City wearing a pair of Vetements x Reebok sneakers that retail for $840. Designed to look like tube socks, the pull-on shoes feature thick rubber soles and white knit fabric.

Hadid paired the sock sneakers with gray sunglasses, pink- and white-striped cut-off jeans, and a simple white long-sleeved top.

She also accessorized the casual look with a white Prada handbag that retails for $2,390.

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• Fashion designer Giorgio Armani is worth $8.8 billion, according to Forbes.
• The 84-year-old has made his fortune not only in fashion, but also in accessories, perfumes, makeup, sportswear, interior design, real estate, restaurants, hotels, and even chocolate.
• Armani owns a 213-foot luxury yacht and homes in Italy, the French Riviera, and the Caribbean island of Antigua.
• Here's a look at how Armani makes and spends his billions.

Giorgio Armani, the co-founder and sole owner of fashion house Armani, is worth $8.8 billion, according to Forbes. 

His empire also spans industries that include accessories, perfume, makeup, interior design, real estate, restaurants, and hotels. The business mogul brought in $2.7 billion in revenue in 2017, according to Bloomberg, which looked at filings with Italy's business register.

The 84-year-old spends part of his fortune on multiple private homes all over the world, from Italy to the South of France to the Caribbean island of Antigua. He also owns a 213-foot luxury superyacht. 

Here's a look at what nearly $9 billion buys.

SEE ALSO: The 25 richest people in fashion

Giorgio Armani is one of the richest people in the fashion industry, with a net worth of $8.8 billion.

Source: Forbes

Armani was born in the northern Italian town of Piacenza in 1934 and later attended medical school at Piacenza University for two years before leaving for his military service.

Source: Bloomberg

While on leave from the military, Armani got a job as a window dresser at Milan department store La Rinoscente, where he worked up to a buyer position, marking his first foray into fashion.

Source: Bloomberg

• Omni — a San Francisco-based self-storage startup that's raised over $40 million — is on a mission to transform the traditional self-storage world. 
• Omni lets users not only store their items for a flat monthly fee per item, but it also allows for those items to be rented, helping people earn money on things that would have otherwise collected dust. 
• On Wednesday, the company announced it would start letting users cash out their rental income by moving it to a cryptocurrency wallet (XRP) instead of a conventional bank account. 
• "Having a strategy for how you want to work with some degree of crypto is important for almost any startup at this point," Omni CEO Tom McLeod told us. 

Costume Town may look like a typical, online costume rental store — complete with a replica Stormtrooper suit and Spider-Man onesie — but behind the scenes, it runs a little differently. 

Rather than keep its inventory in a storefront or warehouse, Costume Town is built on Omni — the San Francisco-based startup that's on a mission to transform the traditional self-storage world.

Omni lets users not only store their items for a flat monthly fee per item, but it also allows for those items to be rented to strangers, helping it customers earn money on things — like fancy plates, or crutches  — that would have otherwise collected dust. Some, like Costume Town, use Omni as the back-end inventory storage for their business. 

When you want to store an item, you schedule a pickup, and an Omni courier grabs it from you. When you want it back, same deal; just use the app to schedule a dropoff. A camera might cost you $0.50/month to store with Omni, while larger items like a bike may be $3/month. Pickups and dropoffs can be free, depending on the time of day.

"We're always trying to push the boundaries on how people think about assets, ownership, and access," Omni CEO Tom McLeod told Business Insider in a recent interview. 

On Wednesday, Omni announced it was pushing those boundaries even further by letting users cash out their rental income in XRP, a popular form of cryptocurrency associated with the blockchain startup Ripple.

McLeod tells us when a user decides to cash out, his company will look at the current prices across the top five XRP exchanges and offer the average of those amounts to be transferred to a user's XRP wallet. Once the transfer is complete, users can store that value in their wallets and, when they decide the time is right, trade it for regular money.

"We think of Omni as a tool for unlocking liquidity. Rentals give you the ability to unlock value while still maintaining that asset, " McLeod explains. "Now [with the XRP integration] you can also look at one of your items as an investment and then double dip into another investment off the back of it." 

McLeod gives the example of a tent that rents for $50 over the weekend. An Omni user can cash out $25 in USD to their traditional bank account and move the remaining $25 to their XRP wallet as an investment. 

Omni COO Ryan Delk explains that the reason XRP was such a great fit for this dip into cryptocurrency was mainly because of the token's liquidity.

"The transaction confirmation speed is incredibly fast (seconds), the cost to transfer is really low (pennies), and it's very liquid — you can move XRP into any other currency on any major exchange," he said. 

Omni hasn't been shy about its interest in crypto. Part of its recent $25 million funding round came from two Ripple executives — Chris Larsen and Stefan Thomas — in the form of XRP. 

"Having a strategy for how you want to work with some degree of crypto is important for almost any startup at this point," McLeod said. "This is us dipping our toe in with a partner that has worked with us in the past." 

Beyond the XRP integration, Delk tells us that bringing its services to more cities across the US will be a focus for the company. Last month, the storage-startup that's raised over $40 million in funding began operating in Portland — its the first market outside of the Bay Area. 

The company also wants to invest in building out tools for businesses, like Costume Town, which are actually relying on Omni to make their own businesses run.

"Probably similar to Airbnb when people starting going beyond just listing their own home. Or the same thing Uber went through where people bought more cars to have more people drive for Uber," Delk explains. "We're starting to see that moment happen [at Omni], which is pretty exciting." 

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• Traditional pay TV faces a bleak future, a new survey indicates.
• Nearly a third of consumers now say they don't subscribe to any kind of multi-channel pay TV service.
• Meanwhile, a plurality of US consumers say Netflix is the service they most frequently watch on their TVs, and it's significantly ahead of basic cable service.
• Among Millennials, Netflix's lead is even larger.

We just got another glimpse at how much trouble the traditional pay TV business is in because of Netflix and online streaming.

The portion of US consumers who don't subscribe to any kind of traditional pay TV service is now nearly one in three, according to a new survey from Cowen Equity Research. Among all consumers, basic cable is now a distant second to Netflix when it comes to the service they say they use most often to watch video content on their televisions. And among Millennials, basic cable is no. 3, topped by not just Netflix, but YouTube too.

The survey "once again highlights the importance of Netflix in the home, particularly among Millennials," Cowen analyst John Blackledge said in the research report that contained the survey data. Netflix's well-publicized push to invest in original, high-quality shows and movies, he continued, "likely ensures [it] the top spot in the living room over time."

Some 19% of consumers are cord cutters — those who formerly had a cable or satellite subscription but have dropped it — according to Cowen's report, which surveyed 2,500 people total. Another 12% are so-called "cord nevers," people who have never signed up for a traditional pay TV service.

That data roughly corresponds with recent research from Leichtman Research Group. At the end of the second quarter, some 91.3 million US households — about 72% — had some kind of multi-channel pay TV service. That was down from 88% of US households in 2010.

Consumers are tuning in Netflix instead of basic cable

Basic cable used to be the dominant form of TV watching. But no more. It's been displaced by Netflix.

Some 27.4% of consumers say that the video service they watch most often on their television is that of the streaming giant, according to Cowen's survey. Just 20.2% of consumers said basic cable is their most frequently viewed video service. Another 17.5% of consumers said broadcast TV was their most frequent choice.

Things were even worse for traditional TV providers among younger consumers. Among consumers aged 18 to 34, streaming services ranked first, second, and fourth in terms of the video services they most frequently watched on their televisions.

A whopping 39.6% in that age group said they were most likely to tune in Netflix on their television than any other video service. In second place was YouTube, the top choice among 16.9%. In fourth place was Hulu, with 8.3%.

Basic cable came in third, the top choice among just 12.4% of those in that age group. Broadcast television was a distant fifth, with 7.1% support.

Even if all the cord cutters and cord nevers are excluded, things don't look particularly good for traditional TV service providers. Although basic cable took the top spot among these consumers in terms of the video services they watch most often, it's lead was tiny. It was the top choice among just 26% of these consumers; Netflix, by contrast, was the most frequently viewed service among 24.9% of them.

As part of the report, Blackledge reiterated his "outperform" rating and $400 price target on Netflix's stock. That target was pushed slightly further away with Wednesday's broad market selloff. Netflix shares finished Wednesday's regular session down $29.82, or 8.4%, at $325.89.

SEE ALSO: Netflix's 1 million subscriber miss is exactly why it’s time for the company to stop hiding a critical part of its business

SEE ALSO: Netflix has hit a speed bump with original series and movies, and it could spell bad news for investors

SEE ALSO: Netflix dominates the US streaming market, but it may soon be an even bigger hit overseas

SEE ALSO: Netflix is now the most popular TV service in the US — here's why its lead is likely to only get larger

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• On Thursday, Bella Hadid attended the launch of her new collection with True Religion wearing a denim bustier.
• The model paired the top with matching jean capris — a style that was everywhere in the mid-'00s.
• She completed the bold look with playful accessories including big hoop earrings, a leopard-print purse, and matching ankle-wrap heels.
• Known for her head-turning style, Hadid has rocked animal prints — one of the trendiest patterns this fall — quite a few times in recent weeks.
• In late September, she wore sheer lingerie as a minidress, which she accessorized with a plush cheetah-print handbag.

Bella Hadid recently brought back one of the biggest trends of the 2000s.

On Thursday, the model attended the launch of her new collection with True Religion wearing a denim bustier in dark-wash denim. Hadid paired the top with matching jean capris — a style that was everywhere in the mid-'00s.

Hadid completed the bold look with playful accessories including big hoop earrings, a leopard-print purse, and matching pointy-toe, ankle-wrap heels.

Known for her head-turning style, the model has rocked animal prints — one of the trendiest patterns this fall — quite a few times in recent weeks.

In late September, Hadid stepped out in Paris wearing sheer lingerie as a minidress, which she accessorized with a plush cheetah-print handbag.

Visit INSIDER's homepage for more.

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A year after Amazon introduced its first smart display, the Echo Show, Google has responded with its own version: the Google Home Hub. 

It's good timing, since the 2018 version of the Echo Show ships out to customers on Thursday. 

These smart displays are still relatively new, but what they can do goes way beyond the first iterations of virtual voice-assistants, which more than 60 million people already have in their homes.

So whether you're one of those people and are considering an upgrade, or are looking to buy your first smart display, here's how the Amazon Echo Show compares to the Google Home Hub.

SEE ALSO: Apple's original TV shows and movies could be free for all iPhone and iPad owners with the launch of its new video streaming service

There are a few key differences between the two devices. The Amazon Echo Show is a much bigger and heavier device than the Google Home Hub. It also has a larger display.

The Amazon Echo Show is a significantly bigger device than the Google Home Hub, weighing in at almost four pounds. Google's device is incredibly lightweight, comparatively: it's listed at weighing just over one pound. 

Here are the rest of the specs:

• Dimensions: Amazon Echo Show (9.7 inches x 6.9 inches x 4.2 inches) vs. Google Home Hub (7.02 inches x 4.65 inches x 2.65 inches)
• Display: Echo Show (10.1-inch screen) vs. Home Hub (7-inch screen)

The Echo Show has a camera for video calling, while the Google Home Hub does not.

This is probably the biggest difference between the two devices. At the Google event where the Home Hub was announced, executives said the company"consciously" decided not to include a camera out of concern for users' privacy.

The Amazon Echo Show does have a camera, however. Users can make video calls with anyone who has the Alexa app — which is available for both Android and iOS devices — or anyone who has an Echo Spot or Echo Show device.

Amazon says that it's working on adding Skype calling as well.

The Echo Show costs $80 more than the Google Home Hub.

Google is offering the Home Hub for $150. But Amazon's latest version of the Echo Show (they've stopped selling the 2017 edition) costs $230.

Amazon began shipping its latest Echo Show on Thursday, but orders on the site are already backed up into November. Google is letting customers pre-order the Home Hub online, but it won't start shipping out until Oct. 18.