Federal Reserve Maintains Rates While Signaling Inflation Risks July 2026

The Federal Reserve's Open Market Committee (FOMC), a group of the nation's leading economists and policymakers, decided to keep the federal funds interest rate at 3.50% to 3.75%. For consumers, that means borrowing costs, such as credit card interest rates, are unlikely to increase immediately.

At the same time, the Fed noted that inflationary pressures remain elevated, driven in part by supply-side challenges. One long-term solution is to continue strengthening the nation's manufacturing and innovation base. Supporting domestic businesses of all sizes—small, medium, and large—helps create a more resilient economy by transforming raw materials and other inputs into higher-value products. That, in turn, promotes economic development, creates jobs, and strengthens the overall economy.

Not everyone on the Committee agreed with holding rates steady. Several members favored raising interest rates, signaling that they remain concerned about persistent inflation. If inflation continues to run above the Fed's target, additional rate increases remain a possibility. Ultimately, future decisions will depend on incoming economic data and the Committee's assessment of economic conditions.

Federal Reserve Holds Interest Rates Steady at July 2026 FOMC Meeting

• The Federal Open Market Committee (FOMC) voted to maintain the federal funds target range at 3.50%–3.75%, citing its dual mandate of maximum employment and stable prices.
• The Committee reported that the U.S. economy continues to expand at a solid pace, with steady job growth and an unemployment rate that has remained relatively stable.
• Inflation remains above the Federal Reserve's 2% target, largely due to ongoing supply-side pressures, including elevated energy prices.
• Three FOMC members dissented, preferring a 0.25 percentage-point increase in interest rates, reflecting differing views on how aggressively to address inflation.
• The Fed emphasized that future policy decisions will continue to depend on incoming economic data and evolving risks to the economic outlook.

Board of Governors of the Federal Reserve System. (2026, July 29). Federal Reserve issues FOMC statement. https://www.federalreserve.gov/newsevents/pressreleases/monetary20260729a.htm

Dive Fishing Adventures: Location Scouting, Underwater Plants and Fish Habitate

(Illustrative Only)

A guy spear fishing
and bringing a pole.
I integrated the
pole and the 
spear for multi
fish purpose. 
One you can spear, 
but if it is restricted you
can unhook
the line and fake
bait.

One of the best parts about spear fishing is that every trip turns into a scouting mission. Every few days, when I get the chance, I head to a new spot to see what's under the surface. So far, I haven't had a single wasted trip. Even when I don't come home with dinner, I come home with information.

The first location was easy to access, but fish were about as common as free parking a big city (In Esky we don't have that problem. San Diego parking is a little more tricky.). My conclusion? The good stuff is probably farther offshore, so that spot stays on the "come back later" list.

The second location was full of bass. Unfortunately, you can't spear bass in Michigan, but after a little research I learned you can catch them with a hook while you're in the water. Suddenly my "failed" scouting trip became a successful fishing reconnaissance mission. Now I know exactly where they're hanging out.

The third spot looked promising from shore, but underwater it was pretty quiet. There were a few anglers fishing farther out, which makes me think the fish are simply holding in deeper water—or maybe they were all at a fish convention that day.

My latest adventure was the most interesting. It looks like there were old docks or breakwaters there decades ago because underwater I found what looked like square built up gravel foundations and artificial structures. I wasn't in full spear-fishing mode—I was mostly snorkeling with my spear and fishing rod "just in case" something impressive swam by.

After making sure I stayed more than 150 feet from the nearby docks (regulations below), I explored the area and found plenty of fish...they just had better real estate than I did. Bigger fish disappeared into deep pockets filled with weeds, algae, old wood, and enough underwater junk to snag just about everything except the fish. It was like trying to hunt in an underwater junkyard.

After I realized
you can remove the 
time stamp
I may have new ways of taking
photography. 

I can print most pictures up to
poster size for $50
Frame (depends on frame.)
or Unframed. I try
and donate a significant
percentage to charity.
You may check out My Gallery
and Art Page. You may
also send the amount and 
size you want with $50
for any photo to
PayPal Photography
You can send me a message
to the right or
contact me at
muradabel@gmail.com
for questions or
special requests. 

The snorkeling itself wasn't worth repeating because the algae made visibility terrible, but as a fishing spot? Absolutely. Between this location and the bass hotspot, I've now got two excellent places to cast a line (Spearfishing might not be great but casting a line would work.).

Next on the list are a couple of new locations farther down the shoreline where there aren't any docks to worry about. Every trip adds another piece to the puzzle, and eventually those puzzle pieces turn into a reliable map of where the fish actually live.

The next project is getting my inflatable dinghy back into service. It currently has about ten holes, which technically makes it more of a sponge than a boat. I haven't decided whether to repair it or surrender and buy a new one. After fixing my e-bike and installing an extender, the dinghy is next in line for rehabilitation.

Once it's patched, inflated, registered, and hopefully capable of floating, it'll let me reach areas that are impossible to access from shore. Sometimes the biggest challenge isn't finding fish—it's simply finding a way to get to them. Every trip teaches me something new, and that's what makes the adventure worthwhile...even if the fish occasionally seem determined to keep all the secrets to themselves.

Note: Stay up-to-date on regulations and read them yourself. Some species are open year round, some are not, some can be speared, some must be caught with hook & line, some are in season and some are not, and you must know the difference and know it for yourself. I did some of the background work but am slow and hesitate until I'm sure I understand. For now I'm mostly just exploring different places and If I come across something I can take then I will do so with caution. Being in the water is more important than the fish but if I can be in the water, get some exercise in and fish then I'm having a good morning. Just after coffee. 🏊☕🐟

I can print most pictures up to
poster size for $50
Frame (depends on frame.)
or Unframed. I try
and donate a significant
percentage to charity.
You may check out My Gallery
and Art Page. You may
also send the amount and 
size you want with $50
for any photo to
PayPal Photography
You can send me a message
to the right or
contact me at
muradabel@gmail.com
for questions or
special requests. 

btw. the mesh backpack bag worked great and I forgot I had it on. The one I got has very bright colors to help highlight me to boats and others. 

eRegulations Bow and Spear Fishing Michigan

Inland Trout and Salmon Regulations map

A Citizen's Guide for the Identification, Mapping and Management of the Common Rooted Aquatic Plants of Michigan Lakes

• Explains the ecological importance of aquatic plants, including their role in improving water quality, providing fish and wildlife habitat, stabilizing sediments, and supporting healthy lake ecosystems.
• Provides identification keys, photographs, and descriptions of common rooted aquatic plants found in Michigan lakes, helping readers distinguish native species from invasive or nuisance plants.
• Describes methods for collecting plant samples and mapping aquatic vegetation to better understand plant distribution and guide management decisions.
• Discusses integrated management strategies, including prevention, mechanical removal, biological control, herbicides, and the importance of obtaining appropriate permits before treatment.
• Emphasizes that successful aquatic plant management requires balancing recreational use with ecological health through long-term planning, citizen involvement, and professional guidance.

Wandell, H. D., & Wolfson, L. G. (2007). A citizen's guide for the identification, mapping and management of the common rooted aquatic plants of Michigan lakes (2nd ed., Water Quality Series WQ-55). Michigan State University Extension. https://www.canr.msu.edu/resources/guide_for_the_identification_mapping_and_management_of_aquatic_plants_of_mi

Delta County Board of Commissioners Meeting 7/21/2026: Cryptocurrency, Budgets, Technology and Communications

 This county meeting covered a lot of ground, but a few issues stood out.

The biggest discussion was about data centers and cryptocurrency mining. These companies are looking for places with plenty of freshwater and cooler climates, but residents raised concerns about water use, environmental impacts, and whether the jobs created are worth the trade-offs. To give the county more time to study the issue, commissioners approved a one-year moratorium.

The board also discussed taxes and the FY2027 budget. The budget is balanced, but it's tight, leaving little room for unexpected expenses or major projects.

Other topics included pension costs, 911 system upgrades, upcoming elections, public defender services, airport improvements, and parks. While they may not grab headlines, investments in infrastructure, technology, and recreation all play a role in attracting businesses, supporting tourism, and improving quality of life.

Overall, it was a productive meeting with several important approvals and plenty of long-term planning. The highlights are summarized below. Let me know if there are any changes or adjustments.

Data Centers and Cryptocurrency Mining

• Strong public support for a one-year moratorium on new data centers and cryptocurrency mining.
• Residents raised concerns about:
  • Water consumption and protection of local aquifers.
  • Environmental impacts and pollution.
  • Increased electricity demand and infrastructure costs.
  • Noise and zoning regulations.
  • Limited long-term employment benefits after construction.
  • Need for greater transparency and public education before permitting projects.
• Board unanimously approved the moratorium.

Headlee Rollback (Property Tax Proposal)

• Public urged commissioners not to pursue a tax increase.
• Discussion centered on:
  • Maintaining a business-friendly tax climate.
  • Encouraging housing and economic development.
  • FY2027 budget being balanced without the rollback.
  • Lack of funding for future capital improvements.
  • Potential cost of delaying the proposal due to a future special election.

FY2027 Budget

• Proposed budget is balanced across all county funds.
• Public hearing scheduled before final adoption.
• Commissioners noted:
  • No budget deficit.
  • Very limited funding for future capital projects.
  • Departments have already reviewed proposed budgets.

MERS Defined Benefit Pension

• Board approved moving forward with evaluating withdrawal from the MERS defined benefit system.
• Goals include:
  • Lower long-term pension costs.
  • Greater county control over pension investments.
  • Improved budget predictability.
  • No reduction in employee pension benefits.
  • Continued stakeholder communication before implementation.

Emergency Management and Storm Recovery

• Tornado confirmed at Fuller Park.
• Hundreds of trees damaged or destroyed.
• No injuries reported.
• Roads reopened quickly.
• Insurance claims planned for damaged county property.
• New playground equipment was not damaged.

911 Communications

• New cloud-based CAD system scheduled for implementation.
• Discussion about delaying dispatch facility relocation until after CAD implementation to reduce costs.
• Approved:
  • Hiring specialized legal counsel for the county's 911 plan.
  • Purchase of a replacement radio repeater for approximately $10,000.

Elections

• Early voting begins July 25 and runs through August 2.
• Election equipment testing completed successfully.
• Poll worker training underway across the county.

Regional Public Defender Office (MIDC)

• Proposal to create a regional indigent defense office with Iron and Dickinson Counties.
• Expected benefits:
  • Better attorney recruitment.
  • Shared administrative costs.
  • Improved compliance with state indigent defense standards.
  • Reduced burden on county administration.

Airport and Infrastructure

• Approved:
  • Airport fuel tank painting contract.
  • Airport rescue/firefighting turnout gear purchase.
• Airport Board appointment deferred pending review of representation requirements.

Planning Commission

• Appointment deferred.
• Commissioners requested a review of township and district representation before filling the vacancy.

Opioid Settlement Funds

• Approved exploring a regional Upper Peninsula opioid coalition to improve funding opportunities.
• Approved creating a paid recording secretary position funded with opioid settlement administrative funds.
• Grant applications for local organizations are now open.

Parks and Recreation

• Approved filling a seasonal parks clerk position.
• Discussed:
  • Safer trail connection at Pioneer Trail Park.
  • Potential land purchase near Fuller Park, though commissioners questioned the asking price.

Technology Improvements

• County recognized the IT Director for obtaining state-funded courtroom technology upgrades.
• Delta County became the first county in Michigan to receive the upgraded courtroom video conferencing equipment through the program.

Public Comments

• Citizens praised the county's work on pension reform.
• District Court judicial candidate Andrew Hayes discussed:
  • Creating a mental health court.
  • Expanding attorney recruitment.
  • Supporting treatment-focused alternatives to incarceration.

Major Board Actions Approved

• One-year data center and cryptocurrency mining moratorium.
• Emergency disaster declaration.
• Airport improvement contracts.
• Replacement 911 communications repeater.
• Specialized 911 legal services.
• Evaluation of MERS pension transition.
• Seasonal and custodial hiring requests.
• Exploration of a regional opioid funding partnership.

From Boardrooms to Brushstrokes: The Creative Side of Leadership Development

Beach Piper 11"X14"  Acrylic Painting
Currently $80 
with free shipping.
Prices may change.

You can also check
out some of the other stuff
in My Photo Gallery 
and send me an offer. 

You may also look at set price
on eBay Gallery UP Rower

If you want to buy
direct or have questions
send a message to the right
or email muradabel@gmail.com

 Today's leaders, executives, managers, and employees all need cognitive flexibility because the world refuses to sit still. Markets change, technology evolves, and yesterday's brilliant idea can become tomorrow's museum exhibit. If your thinking becomes too rigid, you'll start missing opportunities and become about as adaptable as a flip phone trying to download the latest app.

The study below suggests that engaging with art may help strengthen empathy, collaboration, creativity, and problem-solving. While the research isn't yet conclusive, it's certainly an idea worth exploring. If you're designing leadership workshops or executive development programs, adding art-based activities might help people break out of their usual thought patterns and see problems from entirely new angles.

From a neuroscience perspective, it makes sense. Creating art encourages divergent thinking, experimentation, and imagination instead of simply hunting for the one "correct" answer. Sometimes the best innovation comes from coloring outside the lines—literally.

So, the next time someone asks, "Why are we painting in a leadership workshop?" you can tell them it's not arts and crafts—it's a workout for the brain. And let's be honest, a little finger paint is probably cheaper than another three-hour meeting that could have been an email.

Now, I can't promise my own artwork will unlock your inner CEO or make you the next Picasso. I'm still learning myself! But that's part of the fun. A few years ago, I knew almost nothing about painting, and now people actually buy my work(still not sure why). That still surprises me every time it happens.

(Illustrative Only)

Envisioning a surfboard.

I've also been accepted into an artists association for my photography, so at least someone thinks I'm headed in the right direction. If you'd like to check out my gallery, I'd love for you to take a look. Most of my paintings are just $80, including shipping. If you'd like one framed, we can certainly arrange that for a little extra.

Who knows? You might end up with a nice piece of art—and if this study is right, you can tell everyone it's actually an investment in your leadership development!

Outcomes of Art-Based Leadership Development: What the Research Shows

• This systematic review analyzed 31 empirical studies (2008–2023) to evaluate the effectiveness of art-based leadership development programs, including activities such as visual arts, theater, music, storytelling, and creative expression.
• The findings showed that art-based learning strengthens reflective thinking, self-awareness, emotional intelligence, creativity, and interpersonal communication, helping leaders better understand themselves and others.
• Participants frequently experienced transformative learning, developing new perspectives, greater empathy, improved collaboration, and enhanced problem-solving skills beyond traditional leadership training methods.
• The review suggests that art-based leadership development complements conventional skill-based training by fostering holistic leader development through experiential and embodied learning.
• Although the evidence is promising, the author concluded that more rigorous longitudinal and quantitative studies are needed to confirm the long-term effectiveness and measurable organizational impacts of art-based leadership development.

Sandberg, B. (2024). Outcomes of art-based leadership development: A qualitative metasummary. Behavioral Sciences, 14(8), 714. https://doi.org/10.3390/bs14080714

Something is Knotty: Refreshing Firefighter Knots (San Diego Drill Manual)

 For those of you who are full-time, part-time, or volunteer firefighters—in my case, a volunteer firefighter—it's important to stay current on your skills. The funny thing about firefighting is that you can pass all the tests, earn the certifications, hang them on the wall... and then realize three years later that you've forgotten how to tie a knot you once did in your sleep (Ok not really, I wasn't that good. 🙈 ).

(Illustrative Only)

Ziggy thinks 
he got this figure
8 on a bit down!
🙃

That's why training never really ends. Every practice gives you a chance to sharpen your skills and learn from firefighters who have years—sometimes decades—of experience. Your certification proves you met the minimum standard. The real learning starts after that. Those experienced firefighters have seen things that no textbook can teach, and if you're smart, you'll soak up as much of that knowledge as you can.

One of the best ways to stay sharp is to make learning part of your routine. Set little goals for yourself. Maybe this month it's getting better at tying rescue knots without having to pause, scratch your head, and secretly pull up YouTube to remember which end goes where. We've all been there!

The trick is to build muscle memory. Keep a short piece of rope on your desk, sit in your office, and practice while you're thinking through emails or waiting for a meeting to start. Tie the knot. Untie it. Tie it again. After you've done it a hundred times, your hands will know what to do before your brain even catches up. Then, every few months, pick the rope back up and give yourself a quick refresher. Skills fade if you don't use them, but they come back quickly when you practice.

I recently came across a training manual from the San Diego Fire-Rescue Department, and I thought it was pretty cool. Go San Diego! It's an amazing place—great beaches, great weather, and apparently some pretty solid training manuals, too. I don't fight fires there—I do that in Michigan—but it's always interesting to see how another department approaches training and what equipment they use.

I especially enjoyed reviewing the sections on rescue hardware like carabiners. It's been a while since I've done much climbing, so it was a nice refresher on current equipment and rescue systems.

The bottom line is simple: keep learning. Firefighting is one of those professions where staying curious can make you safer, more confident, and more effective. And if you're looking for a new skill to practice, grab a rope and start working on those knots. Your future self—and maybe your future rescue partner—will thank you.

*If your interested in donating tax free to an Upper Peninsula fire department with lots of young people and a commited crew send a message to the right and/or send me an email and I will point you in the right direction. muradabel@gmail.com

Ropes and Knots for Fire Service Rescue Operations

• Explains the importance of ropes, knots, hitches, and rescue systems in fire service operations, emphasizing that proper selection, use, and maintenance are essential for firefighter and victim safety.
• Reviews NFPA 2500 standards, including General Use, Technical Use, and Escape Use equipment ratings, as well as the Awareness, Operations, and Technician training levels for technical rescue personnel.
• Describes rope rescue software and hardware, including static kernmantle rope, webbing, prusik cords, harnesses, carabiners, pulleys, descenders, clutches, edge protection, and inspection and maintenance procedures to ensure equipment reliability.
• Covers the standard knots, hitches, and tool ties required by the San Diego Fire-Rescue Department, highlighting their applications, proper terminology, and the importance of standardized techniques to reduce errors during emergency operations.
• Presents the fundamentals of rope rescue systems, including anchor selection, picket anchor systems, hauling and lowering systems, victim packaging, and the equipment used to safely perform high-angle and low-angle rescue operations.

San Diego Fire-Rescue Department. (2025, December 28). Drill Manual, Section 24: Ropes & Knots. San Diego Fire-Rescue Department.

US Economic Survey Mid 2026 SIFMA Economist Council: Real GDP, Inflation and Labor Projections

 Economic forecasts provide valuable insight into where analysts believe the economy is headed based on current conditions and historical trends. It's important to remember that forecasts are not guarantees—they assume that today's conditions remain relatively stable. When significant events occur, such as geopolitical conflicts, financial crises, or technological breakthroughs, those projections can change quickly. Reading projections like this help us what to expect going forward and how the market will act under various conditions. 

A good example is the period surrounding COVID-19. The economy experienced a sharp decline in GDP, followed by a rapid recovery before settling into a more stable pattern (currently emerging). Economists often refer to this as reaching a new equilibrium, or homeostasis. Today's economy is experiencing another major shift, this time driven by artificial intelligence. AI is accelerating productivity, investment, and innovation, and it has the potential to increase the overall speed of economic growth under certain circumstances.

However, technological progress alone is not enough. Every major economy is investing heavily in AI and advanced technologies, so remaining competitive requires doing more than simply keeping pace. The real question is what foundation we are building beneath these technological advances. Are we expanding manufacturing? Are we attracting new industries? Are our public policies encouraging investment, innovation, and workforce development? These are the factors that determine whether today's growth can be sustained over the long term.

Eventually, the AI-driven surge will mature, just as previous economic expansions have. The economy will likely settle into another period of more stable growth. The challenge will be whether that long-term growth outpaces other countries that are making similar investments. Success will depend on the strength of our institutions, workforce, infrastructure, and the decisions we make today. It will also depend on the incentives and lack of incentives for employees, entrepreneurs, and small business who help sustain the growth cycle (i.e. ....think broad based wealth generation versus concentrated.). 

Sorry I went on a soap box and digress, 

.........

Overall, this SIFMA forecast aligns closely with many other economic outlooks, making it another useful piece of the larger economic puzzle. While individual forecasts may differ slightly, most rely on similar economic indicators and statistical methods, so broad consensus is common. Differences typically arise when analysts weigh risks differently, apply alternative models, or anticipate changes that others have not yet incorporated into their forecasts. For that reason, no single forecast should be viewed in isolation. Instead, it is best used alongside other reputable projections to build a more complete understanding of the economy's potential direction.

You can read the projections by SIFMA below, 

SIFMA Mid-Year 2026 U.S. Economic Outlook: Growth, Inflation, and Monetary Policy

• The SIFMA Economist Council forecasts U.S. real GDP growth of 2.2% for 2026 and 2.0% for 2027, supported by strong artificial intelligence (AI) investment but tempered by geopolitical uncertainty, higher energy prices, and slower consumer spending.
• Inflation is expected to remain above the Federal Reserve's 2% target through 2027, with core PCE projected at 3.2% in 2026 before moderating to 2.5% in 2027, while most economists believe inflation expectations remain well anchored.
• Survey participants anticipate the Federal Reserve will hold interest rates steady throughout 2026, with most expecting one or two rate cuts beginning in 2027 rather than additional rate hikes.
• AI-related capital investment is viewed as the largest upside risk to economic growth, while an AI investment correction, escalating geopolitical tensions, and rising energy prices are considered the leading downside risks.
• The labor market is expected to remain resilient, with unemployment holding near 4.3% through 2027 despite slower job growth and continued declines in labor force participation driven by demographic trends.

Securities Industry and Financial Markets Association. (2026, July). U.S. economic survey: Mid-year 2026—Forecasts from the SIFMA Economist Council: Assessing the economic landscape and monetary policy. https://www.sifma.org/resources/research/

Mother Goose and Family Visits Beach-Lifeguard Saves Beach Day (Life Guard Lessons and the Fish Vest)

(Illustrative Only)

The Origins of Mother Goose

Some days, lifeguarding is all about watching swimmers, scanning the water, and soaking up the view. Other days...you're directing goose traffic.

We really do have some of the best beaches in the region. Clear water, beautiful shoreline, friendly people, and plenty of wildlife make this an incredible place to visit. It's easy to see why the area is becoming a popular tourist destination—and maybe even the next entrepreneurial hotspot. It's hard to beat a summer day here (Ideas....just bubble forward. 🙃).

Then there's the wildlife.

This morning started off like any other. On the lifeguard stand, keeping an eye on the swimmers, making sure all the kids were safe, when suddenly we heard it:

(Illustrative Only)

Tom saves the beach
from an invading army of geese
by inventing the fish
vest. The birds
chased him until
they were far away.
 The crowd
cheers at the beach
day save. Kids
can now play
safely again!
😏

Canadian Geese

"Honk! Honk! Honk!"

In the distance appeared what looked like Mother Goose herself (ok not really, but a lead goose yes), leading an entourage of about 30 Canada geese straight through the middle of the swimming area.

Apparently, no one had informed them that this was a designated beach.

Families stopped to watch. Kids pointed excitedly. Parents were saying, "Look at all the geese!" It was like an unexpected wildlife parade.

Everything was going perfectly...until the geese reached a swimmer standing in their path.

I called out, "Let's give the geese some room. Don't approach them—they can sometimes be protective." 

That got everyone's attention.

The swimmer stepped aside, and something funny happened. The geese actually stopped and waited. They politely stood there until the path was clear, then continued their march as if they had somewhere very important to be (They stopped to fish on the other side and now I know their secret fishing spot 🙊.)

It was one of those moments where nature reminds you who's really in charge.

The geese looked at me with an expression that seemed to say, "Your whistle has no power here."

Thankfully, everyone gave them space, the geese continued on their journey without incident, and Mother Goose successfully escorted her family along the shore of the beach.

Sometimes the best rescue is simply letting nature do its thing.

After all, you can enforce the swimming rules with people.

Geese? They're operating under an entirely different set of regulations.

How Lifeguards Respond to Marine Animal Threats

• Lifeguards are trained to recognize and respond to hazards posed by marine animals such as jellyfish, stingrays, sharks, sea snakes, harmful algae, and marine bacteria through constant surveillance and environmental awareness.
• Prevention is the first priority, using observation towers, binoculars, drones, ocean monitoring systems, and reports from marine agencies to identify potential threats before they endanger swimmers.
• During incidents, lifeguards follow established emergency protocols that may include clearing the water, posting warnings, administering species-specific first aid, and coordinating with emergency responders and marine experts.
• Training emphasizes realistic emergency drills, rapid decision-making under pressure, and effective public communication to minimize panic while maintaining beach safety.
• Public education is an important part of the job, with lifeguards teaching beach visitors how to avoid risky encounters, recognize hazards, and respond appropriately if they encounter marine wildlife.

Harlanelio. (2025, June 19). How lifeguards deal with marine animal threats. Medium. https://medium.com/@harlanelio0011/how-lifeguards-deal-with-marine-animal-threats-4fdce4ccc640