Core Viewpoint - Zillow Group Inc. has removed climate risk scores from its home listings, which has raised concerns among observers about the implications of this decision on property risk awareness and market pricing [1][5]. Climate Risk Assessment - Homeowners and buyers require knowledge of their properties' vulnerabilities to extreme weather events like wildfires and flooding, as traditional federal and state maps are often outdated [2]. - A study by the Climate Financial Risk Forum found significant discrepancies in climate risk ratings for the same properties from different companies, indicating a lack of standardization in risk modeling [3]. - Risk modeling is still an emerging field, and it may take time for consistent norms to be established [4]. Market Implications - The removal of Zillow's climate risk scores could lead to mispricing of real estate assets, as oversimplified or inaccurate climate impact projections may distort market values [5]. - The California Regional Multiple Listing Service expressed concerns over properties being rated with high flooding probabilities despite historical data showing no flooding [6]. Industry Trends - The demand for climate risk information is increasing as climate disasters become more frequent, prompting companies like Moody's, S&P Global, and CoreLogic to develop or acquire climate-risk products [7]. - First Street, the company behind the scores Zillow used, acknowledges the complexity and uncertainty inherent in climate risk models, especially when localized to specific properties [8]. Risk Model Limitations - First Street's risk scores focus on estimating a structure's exposure to hazards over a 30-year period, rather than predicting potential damage, highlighting the need for clarity in what these scores represent [12]. - The relationship between physical hazards and the built environment is crucial in understanding actual risk, as various structural factors can influence vulnerability [10][9]. Recommendations for Improvement - There is a call for public models to provide a benchmark for evaluating private risk assessments, as seen in Florida's public hurricane catastrophe model [13]. - Standardizing climate-risk data approaches could enhance market trust and ensure accurate home pricing, although the specifics of model output disclosure remain unclear [14].

Zillow’s climate risk scores have disappeared from home listings, but the risks are very real and more climate stories on Green Daily https://t.co/NeuYBBTNto ...

Core Viewpoint - Atossa Therapeutics is advancing its regulatory strategy for (Z)-endoxifen, focusing on expedited pathways for metastatic, neoadjuvant, and risk-reduction settings in breast cancer treatment [1][2]. Regulatory Strategy - The company completed a Type C meeting with the FDA on November 17, 2025, which provided feedback on potential expedited regulatory pathways and development options for (Z)-endoxifen [1][2]. - The meeting clarified routes to accelerate clinical development and regulatory review, allowing Atossa to pursue a faster development strategy across multiple breast cancer indications [2][3]. Clinical Development - Atossa has submitted an Investigational New Drug (IND) application for its metastatic breast cancer program and anticipates additional IND submissions in 2026 to explore combination strategies [4]. - The clinical program has involved nearly 800 participants across multiple trials, with a focus on creating value-creating milestones [5]. Product Profile - (Z)-endoxifen is a potent Selective Estrogen Receptor Modulator/Degrader (SERM/D) that can inhibit and potentially degrade estrogen receptors, showing activity in tumors resistant to other therapies [5]. - The company is developing a proprietary oral formulation of (Z)-endoxifen that bypasses stomach acid, enhancing bioavailability and therapeutic integrity [6]. Intellectual Property - Atossa's (Z)-endoxifen program is supported by a growing global intellectual property portfolio, including four recently issued U.S. patents and numerous pending applications worldwide [7]. Clinical Trials and Indications - The company is preparing a dose-ranging study for metastatic breast cancer and continues enrollment in the Phase 2 EVANGELINE trial for neoadjuvant ER+/HER2- breast cancer [9]. - Development efforts also include a low-dose strategy targeting mammographic breast density and overall breast cancer risk [9].

Group 1 - Zillow Group, Inc. will present at the Barclays 23rd Annual Global Technology Conference in San Francisco on December 11, 2025, with CEO Jeremy Wacksman participating in a fireside chat [1] - The company is focused on transforming the real estate market by providing digital solutions for buying, selling, renting, and financing homes [2][4] - Zillow Group is the most visited real estate app and website in the United States, connecting users with real estate professionals and enhancing their home buying experience [2] Group 2 - Zillow Group's affiliates include various brands such as Zillow®, Trulia®, and Zillow Home Loans, which collectively aim to simplify the real estate process for consumers [2] - A recent analysis indicates that the hidden costs of homeownership have reached approximately $15,979 per year nationwide, highlighting the financial burdens faced by homeowners [5]

Core Insights - Zillow has been focusing on building its brand and audience for nearly 20 years, with the first 15 years dedicated to attracting consumers and real estate professionals through traditional lead generation methods [2] - In the last 5 years, Zillow has shifted its focus towards facilitating transactions in renting, buying, selling, and financing, aiming to simplify these processes for users [3] Group 1 - The initial strategy of Zillow was centered around brand development and audience engagement, which laid the groundwork for future monetization [2] - The transition towards a housing super app reflects Zillow's intent to leverage its established brand and audience to create a sustainable and profitable business model [1][2] - The company is now prioritizing the ease of transactions as a key component of its business strategy, indicating a significant shift in operational focus [3]

Zillow Group Conference Call Summary Company Overview - **Company**: Zillow Group (NasdaqGS: Z) - **Industry**: Real Estate Technology Key Points and Arguments Business Model and Strategy - Zillow has evolved from a brand-building focus in its first 15 years to a more integrated transaction model over the last five years, aiming to simplify renting, buying, selling, and financing for consumers [4][5] - The company is positioning itself as a "Housing Super App" to leverage its brand and audience for sustainable and profitable growth [3][7] Financial Performance - In Q3, Zillow reported a **16% year-over-year revenue growth**, despite a challenging housing market [5][6] - For-sale revenue, which includes residential and mortgage segments, grew by **10%**, while rental revenue surged by **41%** [5][14] - The company expanded its margins by **200 basis points** in the quarter [6] Market Dynamics - Zillow is navigating a housing market with the lowest turnover in over 40 years, with around **4 million homes sold annually** [13] - The company anticipates continued growth in its rentals business, projecting **40%+ growth for all of 2025** [14] Product Development - Zillow Pro, a new product aimed at enhancing agent experiences, was announced recently and is currently in alpha testing [7][9] - The integration of Follow Up Boss, a CRM acquired by Zillow, is central to enhancing agent productivity and customer engagement [20][21] Enhanced Markets - As of Q3, **34% of all connections** were through enhanced markets, with a target of **75%** in the midterm [16][17] - The company is focused on building strong relationships between agents and Zillow Home Loans to enhance the mortgage experience [17] AI and Technology Integration - Zillow is actively integrating AI capabilities into its operations, particularly through Follow Up Boss, to improve agent efficiency and customer interactions [20][22] - The collaboration with OpenAI for ChatGPT integration is seen as an opportunity to enhance customer engagement and streamline operations [34][35] Future Outlook - Zillow expects to maintain mid-teens revenue growth and margin expansion in 2026, driven by continued enhancements in its for-sale and rentals businesses [27][28] - The company aims to keep its fixed cost base flat while growing revenue, which will allow for faster profit growth [29] Capital Allocation - Zillow has eliminated its convertible debt and is focused on offsetting stock-based compensation through share repurchases, totaling **$438 million** year-to-date [47][48] - The company aims to maintain a net cash position of over **$1 billion** for growth opportunities and contingencies [48] Conclusion - Zillow's strategy is centered on leveraging its brand and technology to drive growth in a challenging housing market, with a focus on enhancing customer and agent experiences through innovative products and AI integration [49]

Zillow is the most popular real estate website in [music] the United States. The company has transformed the way people buy, sell, and rent homes, or at least dream about that kind of thing. >> We are one of the first apps on the iPhone, and that [music] really created the category.>> Realtor. com, Zillow, some of the other aggregation sites that are out there provided an experience for consumers that wasn't there before. >> Zillow, what they have an advantage on is just the scale of traffic that they've go ...

Zillow drops climate risk scores after agents complained of lost sales https://t.co/lttTm3zYr3 ...

Core Viewpoint - The scores developed to assess a property's risk from fires, floods, and storms have been criticized for their inaccuracy by some stakeholders in the real estate industry and homeowners [1] Group 1 - The scores are intended to predict risks associated with natural disasters [1] - There is a growing concern among real estate professionals and homeowners regarding the reliability of these risk assessments [1]

Core Insights - Proactive provides fast, accessible, and informative business and finance news content to a global investment audience [2] - The company focuses on medium and small-cap markets while also covering blue-chip companies and broader investment stories [3] - Proactive's news team delivers insights across various sectors including biotech, mining, oil and gas, and emerging technologies [3] Technology Adoption - Proactive is committed to adopting technology to enhance workflows and content production [4] - The company utilizes automation and software tools, including generative AI, while ensuring all content is edited and authored by humans [5]