Short version: Personal injury verdicts are getting bigger, faster, and stickier than a caramel apple in July. The long versionand why independent agents, carriers, risk managers, and business owners should carecomes down to one phrase you’ve seen everywhere: social inflation. It’s not CPI. It’s not the price of eggs. It’s the steady swell of claim severity driven by forces outside basic economicslegal, cultural, behavioral, and financial shifts that push jury awards and settlements well above historical baselines.

What Is Social Inflation (and What It Isn’t)?

Think of social inflation as the “non-economic tailwind” behind rising loss costs: changes in jury attitudes toward corporations, evolving legal doctrines, litigation financing, attorney tactics, venue dynamics, and regulatory or statutory shifts. In broader terms, it’s any increase in insurers’ claim costs beyond general inflation; in narrower terms, it focuses on legal-system drivers. Either way, the industry agrees it’s real and material.

Why It’s the Leading Trend in Personal Injury Awards

1) The Era of the “Nuclear Verdict”

Verdicts of $10 million or moreso-called nuclear verdictsrebounded quickly after pandemic court slowdowns and have trended upward across the last decade. A major analysis of 1,288 verdicts from 2013–2022 found that, after the brief pandemic dip, frequency and severity returned to near-record levels by Q3 2021, with trucking, medical, and product cases heavily represented. California led the nation in count and dollars over that period.

The industry’s own data echo the shift: Triple-I and partners have documented larger awards and a higher share of very large outcomes, while independent research continues to track how specific venues drive outsized verdicts.

2) Litigation Funding Has Professionalizedand Scaled

Third-party litigation funding (TPLF) means outside capital can bankroll plaintiff cases in exchange for a return. In the U.S., funders now deploy multimillion-dollar single-case and portfolio deals; while new commitments cooled in 2023–2024 amid higher rates, the asset class remains sizable and influential. Courts and policymakers are actively debating disclosure rules, underscoring how central TPLF has become to litigation economics.

3) Shifting Jury Sentiment & Trial Strategies

Juries today may be more skeptical of large organizations and more comfortable using damages to signal deterrence. Plaintiff strategiesincluding anchoring with “reptile theory”-style narratives and high noneconomic demandsintersect with local venue effects. Across jurisdictions, products and med-mal cases still carry the highest medians; auto bodily injury often trends lower but can spike in commercial trucking.

4) Terminology Is Evolving, but the Cost Signal Isn’t

Whether you call it social inflation or “legal system abuse,” the bottom line is the same: claims severities outpace CPI, pressuring pricing and availability. Even industry forums now wrestle with precise namingbut agree that the trend is materially raising costs.

What the Latest Numbers Say

• Nuclear verdicts: Upward trajectory 2013–2022; trucking involved in about a quarter of $10M+ auto verdicts.
• Overall liability pressure: A global reinsurer’s 2024 analysis attributes a 57% surge in U.S. liability claims over a decade to social inflation drivers.
• Line-by-line severity: AM Best points to commercial auto, professional liability, product liability, and D&O as notably affected.
• Award distributions: Medians vs. averages differ widely by case type; product liability and med-mal exhibit the highest median awards.
• 2025 outlook: Capital markets and court calendars aside, analysts expect social inflation to persist, with many insurers booking additional reserves.

IA Magazine’s Lens: Why It Dominates Personal Injury Trends

IA Magazine (Independent Agent) has spotlighted how social inflation shapes personal injury outcomesespecially product liability and E&O segmentsemphasizing that large awards are no longer outliers, they’re planning assumptions. Their coverage frames social inflation not as an abstract macro idea, but as a daily operational challenge for agencies and clients navigating pricing, limits, and coverage gaps.

Root Causes: The Interlocking Gears

Legal & Procedural Drivers

Rollbacks of some tort reforms, plaintiff-friendly venues, evolving doctrines on liability and damages, and broader acceptance of punitive awards all help explain why awards outpace CPI. Defense costs climb too, reinforcing larger indemnity outcomes as parties price the risk of trial.

Financial Engineering of Lawsuits

With TPLF, plaintiffs can resist low offers and finance experts, discovery, and trial presentation. Even with 2023–2024 cooling in new commitments, the presence of well-capitalized funders changes negotiation equilibriaand regulators and courts are taking notice.

Culture & Communication

Data-driven advertising, AI-amplified client acquisition, and new messaging techniques shape juror expectations. Some industry observers argue “tech-enabled claim instigation” can raise costs even when claims ultimately close without paymentbecause defense and adjustment expenses increase.

But Is Every Spike “Social Inflation”? A Balanced View

Regulators and academics caution against oversimplification. Some analyses question whether the evidence base is robust enough to justify sweeping legal reforms, urging careful modeling of trade-offs between consumer protection, access to justice, and insurer solvency. The debate is healthyand ongoing.

Impacts on Stakeholders

For Businesses & Risk Managers

Expect upward pressure on casualty rates, higher retentions, tighter terms, and stress on excess capacityespecially for heavy auto, products, healthcare, life sciences, and habitational risks. Nuclear verdict exposure requires revamped fleet safety, contract risk transfer, and documentation discipline.

For Independent Agents & Brokers

Client education is now a core service line: recalibrating limits, setting realistic expectations on pricing, and stress-testing coverage contours (punitive damages, joint and several liability exposures, spoliation risks). E&O exposure rises if expectations aren’t managed.

For Insurers

Reserving and pricing models need social-inflation factors; claim departments invest in early resolution strategies, venue analytics, and defense counsel playbooks to counter anchoring and venue risk. Analysts expect reserve strengthening to continue where trend assumptions lag reality.

Practical Playbook: How to Navigate Social Inflation Now

1) Reset Limits & Layers

Benchmark peer verdicts and settlements in your venues (especially trucking, products, and med-mal). Re-layer towers to address attachment drift as verdicts climb.

2) Fortify the RecordBefore a Claim Exists

Dashcams, ELDs and telematics, incident-response SOPs, and chain-of-custody documentation help counter “nuclear” narratives and preserve defenses; in products, update warnings and IFUs and maintain rigorous change-control files.

3) Adopt Early Resolution and Venue Strategy

Use data to triage: resolve quickly where venue and fact patterns create high-severity exposure; defend aggressively where liability is shaky and venue is neutral. Consider mock juries and high-low agreements to cap tail risk.

4) Address TPLF Dynamics

Monitor evolving disclosure rules; where permitted, seek funding agreements in discovery to understand settlement constraints. Anticipate extended litigation timelines when cases are financed.

5) CommunicateRelentlessly

Agents: educate clients on why premiums and retentions climb even without losses. Carriers: explain rate/risk logic to maintain trust. Plaintiffs’ counsel are telling cohesive stories to juries; insurers and defendants must tell better ones, grounded in safety culture and responsible corporate conduct.

Frequently Asked (Nervous) Questions

“Is this just a 2020s blip?”

Unlikely. Multiple driverslegal, financial, culturalare moving together. Even if one eases (say, funding commitments), others (venue dynamics, jury sentiment) persist. Many analysts expect the trend line to remain elevated into 2025 and beyond.

“Which lines are most exposed?”

Commercial auto (trucking), product liability, professional liability/med-mal, and D&O continue to see outsize pressure relative to CPI.

“Where do we watch for change?”

Two arenas: courts (funding disclosures, procedural shifts) and legislatures (targeted reforms). Also track insurer research hubs (Triple-I) for updated severity and venue analytics.

Conclusion

Social inflation has moved from buzzword to budgeting line. For personal injury awards, it’s the trend that explains why “rare” eight-figure outcomes feel…less rare. Whatever you call itsocial inflation, lawsuit inflation, or legal system abusethe practical response is the same: data-driven risk controls, right-sized limits, faster resolution where warranted, and better storytelling about safety and responsibility. That’s how you keep a nuclear verdict from becoming your organization’s origin story.

sapo: Personal injury verdicts keep breaking records, and it’s not just CPI. From nuclear verdicts and plaintiff funding to shifting jury attitudes, social inflation is quietly rewriting the claims playbook. Learn the drivers, the latest data, and a step-by-step risk strategy to protect your balance sheet (and your premiums) in 2025.

of Real-World Experience: Field Notes from the Social-Inflation Trenches

How a mid-market fleet dodged a nuclear narrative. A regional distributor with 180 power units had two serious bodily-injury crashes within 18 months. Historically they carried $1M primary with a $9M excess towercomfortable in a pre-2019 world. Venue analysis flagged two jurisdictions where trucking verdicts had spiked. Working with their agent and carrier, they: (1) installed inward/outward dashcams fleet-wide; (2) built a four-hour “golden window” crash-response protocol; (3) trained drivers on post-crash statements; and (4) mapped contracts to push defense/indemnity where counterparties controlled unloading. The next loss? Clear liability against the claimant captured on video. Plaintiff counsel anchored high, but video cut the story’s oxygen; the claim settled within the primary limits in 120 days. The insured raised retention and re-layered excess, but their total cost of risk stabilized.

A life-sciences manufacturer rethinks warnings. Plaintiffs alleged failure to warn on a legacy device. The company’s change-control history was messy, making it easy to paint a “profits over patients” theme. Counsel helped the client spin up a cross-functional labeling review, refreshed IFUs with human-factors testing, and created a contemporaneous memo trail for each revision. When the next case came, the defense narrativedocumented learning and continuous safety improvementresonated. A motion in limine blocked several punitive themes; the matter resolved short of trial at a predictable number.

When TPLF changes the tempo. A products case in a plaintiff-friendly venue dragged as funding supported deep expert benches and aggressive discovery. Rather than “wait it out,” the defense built an early-resolution package with a high-low agreement. The ceiling capped tail risk, the floor rewarded closure, and the parties avoided a jackpot/zero roulette. The insured paid more than they’d hopedbut far less than a post-verdict surprise. Expect this pattern whenever you see sophisticated funders on the other side.

The agent’s E&O moment. An insured balked at increased premiums and declined higher limits the agent recommended. A year later, a seven-figure claim pierced the expiring tower. Because the agent had delivered a clear, signed declination with benchmarking and venue data, the E&O claim fizzled. Lesson: document coverage conversations like your future self depends on itbecause it does.

How carriers are adapting. Carriers are retraining defense counsel on counter-anchoring, investing in venue analytics, and tightening panel guidelines to front-load investigations. Reserving committees now treat social inflation as a structural parameter, not a transient shock. Analysts still expect reserve strengthening where trend picks outpace modelsso insureds should anticipate tougher terms and more disciplined claims handling, especially in auto, products, and professional lines.

The bottom line. Social inflation isn’t a storm to “wait out.” It’s a climate shift. Companies that win under these rules do three things well: prevent claims with safety and documentation, price the residual risk with modern limits and layers, and resolve fast when venue and facts say “don’t roll the dice.” Do thatand your balance sheet won’t be tomorrow’s cautionary tale.

The post Why Social Inflation Is the Leading Trend in Personal Injury Awards – IA Magazine appeared first on Everyday Software, Everyday Joy.

Commercial litigation can feel like a weird mashup of chess, endurance sports, and a home-renovation show where the budget magically triples.
The legal merits might be strong, but the reality is blunt: big cases cost big money, and they take time. That’s where
commercial litigation finance (also called litigation funding or third-party litigation funding) walks in with a suitcase full of capital and a very grown-up spreadsheet.

In plain English, litigation finance is when a third party funds some or all of a legal claim’s costs (fees, expenses, or both) in exchange for a return if the case wins or settles.
If the case loses, the funder typically gets nothingso the funding is usually non-recourse. Think “venture capital for legal claims,” but with fewer hoodies and more due diligence memos.

This article explains how the commercial litigation finance market works, who participates, how deals are structured, what drives pricing,
where regulation is headed in the U.S., and what it feels like on the groundbecause “non-recourse” sounds simple until you’re negotiating who controls what when the settlement offer arrives.

What Is Commercial Litigation Finance, Exactly?

Commercial litigation finance focuses on business disputesthink contract fights, antitrust claims, trade secret and intellectual property cases,
shareholder disputes, mass torts on the commercial side, and sometimes arbitration. The funded party might be:

• A plaintiff company pursuing damages (or a portfolio of claims).
• A law firm financing contingency fees or case costs.
• A claimant group in a class action or complex multi-party dispute.
• Sometimes a defendant (less common, but defense-side funding can exist in niche structures).

The core idea is risk transfer: legal claims are uncertain and expensive, and litigation finance turns part of that risk into something closer to a capital markets product.
In practice, it’s also a budgeting tool. Even well-capitalized companies sometimes prefer not to park millions in legal fees for years while waiting on an outcome.

Why This Market Exists: The “Capital-Intensive Litigation” Problem

Large commercial disputes can run for years, burn enormous legal fees, and require expert witnesses, document review, e-discovery vendors, mock trials, and more.
Meanwhile, the claimant is often carrying operational costs, opportunity costs, and sometimes pressure from investors or lenders who would rather not hear,
“We’ll know if we’re getting paid… in 2029.”

Litigation finance exists because it can:

• Improve access to legal recourse for parties who can’t (or don’t want to) self-fund.
• Monetize a legal asset (a claim) in a way that looks more like corporate finance than legal drama.
• Shift risk off the balance sheet or at least off the “surprise spending” line item.
• Increase settlement leverage by reducing the pressure to settle early due to cash constraints.

Critics argue that funding can fuel excessive litigation, hide who benefits, and complicate settlement. Supporters argue it helps meritorious claims survive
the financial marathon. The market debate, in other words, is as lively as a lawyers’ group chat after a late-night filing.

How Deals Are Structured: The Building Blocks

Most litigation finance arrangements boil down to three questions:
(1) what costs are funded, (2) what does the funder get if the case succeeds, and (3) what rights does the funder have along the way?

1) Single-Case Funding

This is the “one claim, one investment” model. A funder pays legal fees and/or expenses for a specific case. If the case produces proceeds,
the funder receives an agreed returnoften structured as a multiple of invested capital, a percentage of proceeds, or a hybrid that changes over time.

2) Portfolio Funding

Portfolio deals cover multiple matters (or a firm’s book of contingency cases). Because risk is diversified across cases,
pricing can be more favorable than single-case deals. Portfolio structures can also allow a corporate legal department to smooth budgets:
some matters win, some settle, some disappoint, and the economics net out across the whole portfolio.

3) Law Firm / Fee Financing

Some arrangements finance a firm’s fees or working capital tied to contingent matters. This is where ethics and professional responsibility
conversations get extra serious: independence, conflicts, confidentiality, and fee-splitting rules matter a lot, and they vary by jurisdiction.

4) Monetization and Partial Interests

Instead of simply paying ongoing costs, a funder may provide capital against expected recovery (for example, to a claimant who wants liquidity now).
These structures can look like an advance against proceeds, with careful contractual guardrails around control, disclosures, and confidentiality.

Who’s in the Market: The Main Participants

The U.S. litigation finance ecosystem isn’t one monolithic “industry.” It’s a network of participants with different incentives:

• Dedicated litigation finance firms that specialize in underwriting claims.
• Institutional investors (directly or via funds) looking for uncorrelated returns.
• Corporate claimants using funding as a capital allocation and risk management tool.
• Law firms using funding to support contingency work or manage cash flow.
• Advisors and brokers who match cases with capital and help structure terms.

Industry groups also shape norms. For example, commercial legal finance trade associations describe best-practice principles intended to create clarity
in how funding is offered and managed. Meanwhile, business groups argue for stronger disclosure and oversight, especially in high-stakes disputes.

How Funders Underwrite a Case (Yes, It’s a Little Like Loan Underwriting)

If you imagine a funder casually tossing money at a dramatic complaint and whispering “go get ’em,” you’re going to be disappointed.
Commercial funders typically run a structured process that can include:

• Merits assessment: liability theory, defenses, procedural posture, and evidentiary support.
• Damages analysis: realistic recovery range, collectability, and enforcement risk.
• Budget and duration modeling: expected burn rate, milestones, and litigation timeline.
• Counsel evaluation: track record, strategy, staffing plan, and risk controls.
• Settlement dynamics: mediation plans, opponent behavior, and negotiation leverage.

This diligence is why funded matters often skew toward higher-value disputes: the underwriting costs themselves can be substantial.
Smaller claims can be fundable, but the economics must work after diligence, time value, and risk.

Pricing and Returns: Why the Capital Isn’t Cheap (And Why That’s the Point)

Litigation outcomes are binary-ish (win/lose), timelines are uncertain, and cash flows are lumpy. That combo pushes returns higher than conventional credit.
Pricing commonly reflects:

• Risk of loss (including legal uncertainty and evidentiary risk).
• Duration risk (the case takes longer than planned).
• Enforcement/collection risk (a judgment is a trophy only if you can cash it).
• Concentration risk (single-case deals are riskier than portfolios).
• Information and control constraints (funders often have limited control by design).

Terms often include a return multiple (e.g., “X times the invested amount”), a percentage of proceeds,
and/or step-ups over time. Many deals also include caps, floors, or waterfalls designed to align incentives.
Translation: everyone wants a fair outcome, but nobody wants surprise math at the settlement table.

Control, Confidentiality, and Privilege: The “Grown-Up” Issues

The most sensitive friction points in litigation finance usually aren’t about moneythey’re about control and information.
Common questions include:

• Who controls settlement decisions? Typically the client, but contracts may require consultation or notice.
• Can the funder influence strategy? Often limited; funders may monitor but not direct.
• What information must be shared? Funders need enough to underwrite and monitor, but sharing raises confidentiality issues.
• Does disclosure waive privilege? Parties are careful with NDAs, common-interest doctrines, and jurisdiction-specific rules.

Professional ethics guidance in the U.S. commonly emphasizes that attorneys must maintain independent professional judgment,
protect confidentiality, and avoid conflicts of interest when funding is in the mix. Some bar opinions address lawyers’ duties
when advising clients on funding agreements, including risks, informed consent, and careful communication.

Disclosure Rules in the U.S.: A Patchwork That’s Getting Attention

One reason the market is frequently in the headlines: disclosure. In the U.S., there historically has been no single nationwide rule requiring disclosure
of litigation funding agreements in all federal civil cases. Instead, disclosure is a patchwork:

• Local rules and standing orders in some federal districts require disclosure of funding arrangements (or at least their existence).
• Case-specific orders (especially in complex cases and MDLs) may require disclosures.
• Legislative proposals have been introduced to mandate broader transparency in civil cases.
• State legislation in some jurisdictions addresses foreign funding or imposes disclosure requirements.

For example, some federal courts require parties to disclose third-party funding information within a set time after filing,
while others may require disclosure only if relevant to issues like conflicts, class certification, or settlement.
On the federal rules side, the judiciary has publicly discussed whether a uniform disclosure rule should exist,
with committees studying the question and stakeholders submitting competing proposals.

This debate tends to focus on a few recurring concerns:
foreign influence, conflicts of interest, control over settlement, and transparency to judges and opposing parties.
The funding industry often responds that blanket disclosure can reveal litigation strategy and tilt negotiations unfairly.

Market Size and Growth: Why Everyone Suddenly Has Opinions

Litigation funding has been described in public reporting as a multibillion-dollar U.S. industry, with billions committed annually to new deals
and significant assets managed by litigation funders. Growth is driven by:

• Corporate demand for litigation risk management and off-balance-sheet-style financing.
• Investor interest in returns that may be less correlated with traditional markets.
• Law firm economics (contingency and alternative fee arrangements need capital support).
• More sophisticated underwriting and data-driven case selection.

At the same time, growth brings scrutinyespecially when policy discussions involve transparency and national security considerations.

A Concrete Example: Funding a Trade Secret Case

Imagine a mid-sized manufacturing company believes a former partner misappropriated trade secrets and breached a contract.
The company’s counsel estimates the litigation will cost $3–$5 million through trial, and it may take 2–4 years.
The company could fund it internally, but that money competes with hiring engineers, expanding facilities, andlet’s be honestkeeping the CFO’s blood pressure in a safe zone.

A litigation funder evaluates:

• Strength of the evidence (documents, emails, forensic proof).
• Legal claims and defenses, including preemption or statute issues.
• Damages model and whether the defendant can pay.
• Venue, timeline, and realistic settlement range.

If funded, the company might receive capital to pay fees and experts. In return, the funder could receive a portion of any recovery or a multiple of its investment.
The company keeps pursuing the claim without diverting as much operating capitalwhile accepting that the cost of capital is meaningful because the funder is taking a real risk.

Risks and Pitfalls: What Can Go Wrong?

For Claimants

• High cost of capital: a big slice of proceeds may go to the funder.
• Misaligned incentives: if expectations differ on timing or settlement strategy.
• Disclosure complications: required disclosures can create strategic concerns.
• Confidentiality mistakes: sloppy information sharing can trigger privilege fights.

For Funders and Investors

• Case loss: non-recourse means total loss of invested capital is possible.
• Duration creep: “two years” becomes “four years” with surprising ease.
• Enforcement risk: judgments can be appealed, delayed, or hard to collect.
• Regulatory uncertainty: disclosure rules and state laws can shift.

For Courts and Opposing Parties

• Transparency concerns: who benefits, who influences, and whether conflicts exist.
• Settlement complexity: additional stakeholders can complicate resolution dynamics.

None of these risks are theoretical. They’re why sophisticated parties treat litigation finance like a serious financial transactionbecause it is one.

Best Practices: How Parties Use Litigation Finance Without Regrets

While every deal is unique, market guidance and ethics commentary tend to converge on practical habits:

• Start with the legal strategy, not the money. Funding should support a sound plan, not replace one.
• Protect privilege and confidentiality with careful protocols and counsel oversight.
• Define control boundaries clearly: who decides settlement, what consultation is required, and what happens in disputes.
• Model economics early: understand the impact on net recovery under multiple settlement scenarios.
• Plan for disclosure: assume you may need to disclose at least the existence of funding in some venues or situations.

Also: treat “non-recourse” as a legal description, not a personality trait. The contract still mattersa lot.

Experiences From the Real World: What People Actually Run Into (About )

If you ask lawyers, corporate counsel, and finance teams what litigation funding feels like, you’ll hear a theme: it’s not a magic wandit’s a new stakeholder.
And new stakeholders bring benefits, questions, and occasionally a calendar invite titled “Alignment Call (Re: Settlement Strategy)” that lands at 8:00 a.m. on a Monday.

One common experience is the budget-whiplash reset. Before funding, legal budgets can be “best guesses plus panic.”
After funding, the case often gets a more disciplined financial plan: phased budgets tied to milestones, clearer assumptions on expert costs, and a sharper focus on what evidence matters most.
Many teams say that, even when funding isn’t ultimately used, going through underwriting forces the claimant to pressure-test the case like an investor wouldbecause, well, that’s literally what’s happening.

Another frequently described reality is settlement leverage changing shape. Claimants often say funding reduces the pressure to settle early simply to stop the bleeding.
That can create better timing and patience in mediation. But it can also introduce a tricky human factor: when an offer comes in, everyone calculates “net” differently.
The claimant may focus on business certainty and closure; counsel may focus on case strength and precedent; the funder may focus on return thresholds and time-to-cash.
The best outcomes tend to happen when those conversations occur before mediation, not in the hallway outside the mediator’s room while someone is trying to order lukewarm coffee.

People also talk about the information-sharing dance. Funders need enough detail to evaluate and monitor the investment.
Legal teams, meanwhile, are trained to treat sensitive work product like it’s radioactive (because sometimes it is).
Practitioners often describe using tight document protocols, NDAs, and careful summaries rather than dumping entire strategy decks.
When the relationship is managed well, funders become a disciplined financial partner. When it’s managed poorly, it can turn into side-quests about privilege and discoverability that nobody asked for.

Finally, there’s the disclosure “surprise”. Teams operating across jurisdictions learn quickly that courts’ approaches vary.
Some venues require disclosure of the existence of funding (and sometimes identities or certain terms), while others handle it case-by-case.
Experienced counsel often plan as if disclosure may happen and structure communications accordingly, so the case strategy doesn’t depend on secrecy about funding.
In practice, the smoothest funded cases are the ones where funding is treated like an ordinary (if sophisticated) business transaction: documented carefully, integrated into strategy thoughtfully,
and revisited at key inflection pointsespecially when the case moves from “we might win” to “we have a real path to resolution.”

Bottom line: commercial litigation finance can be transformative for the right matter, but the “right matter” is usually one where legal merits,
economics, and relationship management all behave like adults in the same room.

Conclusion

Commercial litigation finance markets sit at the intersection of law and capital markets. They exist because modern litigation can be brutally expensive and slow,
and because sophisticated parties want options beyond “pay everything now and hope for the best.”
At its best, litigation funding can help strong claims survive, help businesses manage risk, and bring financial discipline to complex disputes.
At its messiest, it can trigger transparency fights, settlement tension, and policy backlash.

If you’re considering litigation finance, the smartest approach is the least dramatic: treat it like a serious financing transaction,
get experienced legal advice on ethics and disclosure, and model the economics early. That’s how you keep the funding from becoming “Case No. 2” inside your case.

The post Commercial Litigation Finance Markets Explained appeared first on Everyday Software, Everyday Joy.