What happens when your doctor prescribes life-saving care, but your insurance says no? For retired Navy pilot and corporate executive Frank Lobb, the answer was a tragedy that sparked a twenty-year crusade. After his wife was denied care that he was barred from paying for out-of-pocket, Frank used his background in federal air compliance and law to deconstruct the "Big Lie" of the American healthcare insurance industry. In this episode of Disability Empowerment Now, Frank sits down with host Keith Murfee- DeConcini to expose the black-letter law provisions that exist in almost every in-network contract in the country. He explains how insurance companies "ration" care by contractually barring hospitals from accepting compensation once coverage is denied—leaving patients trapped. Frank shares the "magic words" he uses on hospital intake forms to protect his family and discusses why trillions of dollars in liability keep the legal and political systems silent. Whether you are fighting a bill or preparing for a procedure, this conversation is a masterclass in patient empowerment, legal standing, and reclaiming the power your doctor—and only your doctor—is supposed to have.

I’m coming for you like a junkie." Keith and Alaina aren't holding back as they break down the "Dirty Boy Bangers" of Depeche Mode’s later catalog. This episode covers the gritty, bluesy industrialism of Soothe My Soul, the "rushing beat" of So Much Love, and the complicated marriage of simple lyrics and complex sounds in Come Back. We also pause for a "neighborhood watch" report from a very specific crow before diving into the sweeping, haunting compositions of Memento Mori—the greatest concept album since Songs of Faith and Devotion.

After the near-destruction of the Devotional Tour, Depeche Mode returned with Ultra—an album Keith and Alaina describe as a "masterpiece of re-emergence." In this episode, we explore the raw, "stitched-together" vocals of a recovering Dave Gahan and the spiritual songwriting of Martin Gore. From the "sleazy swag" of It’s No Good to the breathtaking maturity of The Bottom Line, we discuss how the band turned their personal darkness into a "listenable" survival guide for the soulful listener.