Marvel hasn't had much trouble getting audiences to see its films, but it looks as if the studio has created a landmark moment with its latest movie, "Captain America: Civil War" (opening Friday).

With a rating of 92% on the review aggregator Rotten Tomatoes as of Friday, "Civil War," the first acclaimed blockbuster of the summer season, isn't just being called a great movie. It's being called one of the greatest superhero movies ever made — at a time when some people seem to be tiring of the genre.

Any movie in which the Avengers duke it out will set up major expectations (the movie has set the record for most advance ticket sales for Fandango). But the refined storytelling and buildup of drama in the movie, in which Captain America (Chris Evans) and Iron Man (Robert Downey Jr.) form factions, count more.

The box office for "Civil War" is certain to break records this weekend, but here's why it could also propel Marvel and other superhero movies forward and why you should see it:

SEE ALSO: Justin Timberlake just make his comeback with a celebrity-packed new music video

It’s the best Marvel superhero movie yet.

We know — it's a bold statement. But with the combination of action, suspense, and emotion from the story, it's hard not to call it that.

"This is Marvel at their best: a pacey, intelligent super-sized blockbuster and a roaringly fun night out,"Time Out London wrote.

"'Captain America: Civil War' feels like a pinnacle for Marvel,"Uproxx wrote. "Like, I can’t imagine their movies getting any better. This feels like the crescendo. This feels like the movie this series has been building towards for eight years. After all these movies, Marvel earned this fight. This is the best Marvel movie so far."

It makes you forget about "Batman v Superman: Dawn of Justice."

Released soon after the dark and depressing "Batman v Superman," this movie proves that you can touch on dramatic material but still have fun.

"For audiences feeling burned by the superhero brawling in 'Batman v Superman: Dawn of Justice,' just hang on — it's not what you’re thinking,"TheWrap wrote.

"Forget 'Batman v Superman.' Here you get Ant-Man v Spider-Man, Hawkeye v Black Widow, Scarlet Witch v Vision, The Winter Soldier v Black Panther, and (well, duh) Captain America v Iron Man, all rolled into one. And that is what you call the ultimate Marvel superhero event,"Empire wrote.

The big Avengers battle is a set piece that actually delivers.

It's the moment you're most excited to see, and it's done perfectly.

"This scene is easily the best in the movie; it manages to feel dangerous and fun at the same time, a feat in and of itself,"Nerdist wrote.

"The climactic battle in Leipzig Airport is Civil War's high point: fast, inventive, and funny,"The Village Voice said. "It also finds suspense, and even some pathos, in the idea of superhumans pulling their punches; they're explicitly trying not to kill each other, and it turns out that's sort of hard."

Rooftop pools. Car elevators. State-of-the-art music studios.

And now: custom scents to set the mood.

Miami's One Thousand Museum, a 62-story residential tower designed by Zaha Hadid Architects, is already one of the most expensive projects on the market, with prices ranging from $6 million to $50 million for the penthouse. It even has the city's only private rooftop helipad. 

But One Thousand Museum seems determined to out-amenity its competitors by appealing to more senses than just the visual. 

The developers turned to scent branding company 12.29, founded by olfactive expert Dawn Goldworm, to craft fragrances that can shape the mood of every space in the building.

"We use smell every day, all the time — every minute, in fact, that we inhale," Goldworm said to Business Insider. For One Thousand Museum, Goldworm was tasked with creating different "emotional territories" to shape the mood of different parts of the tower.

Goldworm, who's a synesthete— meaning, in her case, she can perceive scents as colors — has over 10 years of experience in the fragrance business, working with Avon and Coty and training in Paris to hone a keen scientific knowledge of her craft. She regularly develops personalized fragrances for luxury brands, celebrities, and events, setting the tone at fashion shows and in high-end boutiques for brands like Mercedes-Benz, Valentino, and Lady Gaga.

There are four custom scents for One Thousand Museum, each specific to a space and a function. They'll be diffused through the HVAC system, which will atomize the perfume oils into an ultra-fine mist.

So will we be seeing custom scent design as a regular luxury amenity? Goldworm, for one, says the trend is on the up: she's already working on other upscale residential projects in Miami.

SEE ALSO: This Upper East Side luxury condo tower comes with a music studio designed by Lenny Kravitz

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When creating scents, Goldworm considers the textures and colors of the environment, plus the preferences of the target audience who will be breathing it in. For One Thousand Museum, she took into account the reflective glass and parabolic curves of the signature Hadid design, as well as the South American roots of many of the potential buyers.

The signature scent for the lobby is intended to make you feel like you're on the beach: there's a "sparkle and a shine to it," Goldworm said. It's "salty, open, like a breath of fresh air."

The aquatic center has a freshwater pool and a ceiling with undulating curves, reminiscent of waves on an ocean. Here, the fragrance will evoke a European beach vacation, with orange blossom and creamy fruit notes.

What you earn now has a major impact on where you end up.

"You want to make sure you are being very focused on negotiating your best opportunities, because that will help determine what you're getting paid in future roles," certified financial planner Dawn Rapoport told Business Insider. "If you spend 10 years being undervalued, that doesn't set you up for the middle or later stages of your career, where you should hit peak earning power."

To get the offer you're looking for, avoid these common, yet costly, pitfalls:

SEE ALSO: How to ace a salary negotiation, in 15 steps

You don't ask

According to a Careerbuilder survey, a whopping 56% of workers have never asked for a raise, and women are less likely to ask than men. The same survey found that two-thirds of workers who ask for a raise get one, and the success rates are virtually the same for men and women who ask.

You can't sit around and expect a raise or bonus to fall into your lap. Even if your boss notices your hard work and efficiency, he or she won't necessarily pay you more. You have to be proactive and ask for what you want.

As personal-finance expert Farnoosh Torabi, who doubled her salary at 26, preaches, "You don't get what you deserve. You get what you negotiate."

You ask too soon

"Millennials got so many participation trophies growing up that a recent study showed that 40% believe they should be promoted every two years, regardless of performance,"writes Time magazine's Joel Stein.

This mentality can be costly. As self-made millionaire Sophia Amoruso, who built her $100 million company, Nasty Gal, from scratch, writes in "#GIRLBOSS":

You need to get your hands dirty and spend time proving yourself before you ask for a raise or a promotion. Four months are not enough, and neither are eight. At the bare minimum, you need to be in your position for a year before you ask for a raise or title change.

Even then, that's if and only if you've been going above and beyond, doing work that's outside your job description, and generally making yourself completely indispensable to your employer.

You don't come prepared

Asking is only half the battle. You can't simply say, "I want a raise" and not support your request. If you come prepared to highlight your accomplishments, skills, and experience, you can justify what you're asking for.

You should also look at the salary range for someone with your level of experience and in your industry or company. Glassdoor, PayScale, Salary.com, and Indeed.com all offer free compensation and benefits information.

As personal-finance expert Ramit Sethi says of salary negotiation, "80% of the work happens before you enter the room."

There are lots of popular records in cycling — most Tour de France victories, most wins in the classics, the hour record. And then there are little-known ones you don't hear about.

Adam Hansen has done what no one has done before: He has started and finished 13 grand tours— or three-week stage races — in a row. Over the past five years, he has completed four Tours of Italy, four Tours de France, and five Tours of Spain consecutively.

On Friday, Hansen is going for No. 14 when he starts the Tour of Italy.

Given how difficult and perilous racing at cycling's top level can be, it's a mind-boggling record that the Australian says he never set out to achieve, and yet it's one that may never be broken.

Here's some insight into the world's most consistent professional bike racer:

SEE ALSO: The 12 best nail-biting finishes in cycling, ranked

Hansen says he never intended to set any records.

Hansen has completed every GT since Spain's national tour in 2011. His achievement beat that of Marino Lejarreta, a Basque climber, whose record 10-straight finishes stood for two decades.

Here's how Hansen's current streak breaks down by year, race, and result:

2011 / Tour of Spain / 129
2012 / Tour of Italy / 94
2012 / Tour de France / 81
2012 / Tour of Spain / 123
2013 / Tour of Italy / 72
2013 / Tour de France / 72
2013 / Tour of Spain / 60
2014 / Tour of Italy / 73
2014 / Tour de France / 64
2014 / Tour of Spain / 53
2015 / Tour of Italy / 77
2015 / Tour de France / 114
2015 / Tour of Spain / 55

So what has it taken to achieve such a record? "Being consistent and focused. You have to be very determined, and I guess you have to love it," he said.

Interestingly, he also said he never had this record as a goal, VeloNews reported. "I feel like I'm trapped by it and that I sort of have to keep going," he said.

Cycling is one of the world's hardest sports, and Adam Hansen is one of the world's most tenacious cyclists.

Hansen's main job as a pro bike racer is to ride as a "domestique" (French for servant). He is not paid to win races but to work for others on the team. Rain or shine, Hansen's teammates count on him to ride into headwinds and keep them well positioned in the pack, help them avoid crashing, bring them food and water, and give up a wheel if someone gets a flat.

At 35, Hansen's vast experience is key in grand tours where team leaders are under enormous pressure to deliver wins for their teams and sponsors. Hansen rides through all the elements to protect his teammates from whatever craziness the races throw at them.

At 6-1 and 170 pounds, his size comes in handy when push comes to shove and races heat up.

Hansen's expertise lies in helping others win.

One minute he might be called back to the team car to fetch water bottles for his teammates, and the next he might be tasked with leading out his team's sprinter to the line at 40 mph.

An Australian native from Southport, Queensland, one of his nicknames is "Croc Man." He is known for his playful sense of humor and advises his fans not to take him at all seriously.

Now that I'm well past my first-time entrepreneur experience, I can reflect on what I learned during that period in my life.

In doing so, my tips might be able to help some of you first-time entrepreneurs out there get past barriers a little more quickly, get launched faster, and avoid some pitfalls along the way.

I've failed many times. I can remember several times where I didn't even have enough money in my bank account to pay off the minimum payment on my credit card.

Years later and a healthy bank account later I can share with you a few things I should have known but didn't. Here are five tips that I wish I knew before I started that would have potentially saved me from failing several times:

SEE ALSO: A simple mental shift can help you feel less gross about networking

1. Ask a lot of questions

There were many places where I thought I knew what I was doing that would have been better served if I had asked questions instead of assuming. I thought if I asked questions that maybe someone might think I was stupid or might not take me seriously in the business and investment worlds.

In actual fact, I should have spoken up and asked more questions because this would have saved me time and money as well as potentially got me funding faster.

Asking questions often means you are interested in learning more and that you are interested in what others have to say, including investors, potential customers, and business partners. These contacts take questions as actual interest and engagement in them and in the subject matter, rather than a sign of weakness.

If someone thinks you have asked a dumb question, that's their opinion and it shouldn't matter. You are simply gathering more information to help make important decisions and clearly you can't know everything.

Related: 5 Fatal Startup Mistakes — and How To Avoid Them

2. Don't skip college

There have been some incredible stories of young entrepreneurs who made it while still in high school or early in college — and who found success without a degree. Even if that were to happen to you, skipping college isn't a step I would suggest.

When I was in college, I got a good theoretical framework, general knowledge, business acumen and skill set that definitely was beneficial to being able to better run a business. This helped me when I launched my first company to not get screwed when I got approached with a bad acquisition deal.  

Of course, real world experience and street smarts count for a lot, but it is good to have the foundation that college offers. Plus, I met one of my mentors and people who later went on to become business partners.

Now, many universities have top programs and services just for those interested in entrepreneurship plus offer accelerator labs and startup assistance. Take the time — and yes, spend the money to go to college. Remember, you can still start your business at the same time like Zuckerberg and others have done.

Related: 9 Common Mistakes Made by New Entrepreneurs

3. Get a cofounder (and a mentor)

Although I first struck out on my own, I quickly learned that two are better than one. Having a cofounder provided a way to fill in those areas where I lacked knowledge, expertise, skills and connections. Just take the time to find that special person that truly complements you and where you can create and hold a shared vision.

It is not easy, but I used networking events and my other connections, including my mentor, to find a cofounder. Together, we have launched several successful business and now are building the future of cash. I could never have done this alone. Neither can you.

Next, I suggest getting a mentor. I have had several and they helped me immensely when creating a strategy, business plan, and roadmap as well as helped me visualize what I wanted to do.

Not to mention my favorite mentor was there to lend emotional support when things just weren't working. I personally find the best mentors are free and want to help because of you.

Related: How to Build a Successful Startup and Keep It Afloat

Over the past 30 years, China has grown from an agricultural-centric country to a largely urban society. Hundreds of millions of rural residents have left the countryside for larger cities, many in the hopes of finding better jobs. 

Photographer Dheera Venkatraman spent a few years traveling around the country to create a series he called "Time Traveling in China". The project involved finding images from the 1900s and revisiting the locations they depicted, taking his own photos of what the landscape looks like today.

"Having studied physics before, I thought doing a trip in time, instead of space, might be an interesting thought," Venkatraman told Business Insider.

Below, see 13 images of the drastic changes China's landscapes have undergone.

SEE ALSO: 13 striking photos that show how polluted China's water has become

"To a local who has been around for decades and seen the old side of some of these photos, it might bring memories of those times," Venkatraman said. "To a young cosmopolitan person, they might view these photos with curiosity and awe about what things really looked like before. To a futurist, it might invoke thoughts about what changes are yet to come in the next 30-40 years."

Venkatraman wants the images to convey different emotions for each viewer.

"There are many thoughts that can be taken away from these, positive, neutral, negative alike, and I'd like to leave that up to the reader to interpret," he said.

While Marvel media includes multiple universes across TV and film, one thing unites them all: the Stan Lee cameo.

Lee is an unrivaled legend in the comics worlds and the former President and Chairman of Marvel Comics. His creative work began in 1939 and includes hugely recognizable characters like Spider-Man, Iron Man, Hulk, Thor, and the X-Men. 

The 93-year-old has subtly appeared in all manner of Marvel media. He does films, including both Marvel/Disney collaborations like "Avengers" and "Guardians of the Galaxy" and Marvel/Fox film franchises like "X-Men," as well as the Netflix and ABC television adaptations. 

In honor of his cameo in "Captain America: Civil War," we've put together all of Lee's Marvel appearances. Keep reading to see if you can remember them all.

Stan Lee's first live-action Marvel cameo was as a hot dog vendor in "X-Men" (2000).

He showed up as a helpless bystander in "Spider-Man" (2002).

A young Matt Murdock saves Stan from walking into traffic in "Daredevil" (2003).

When we saw the Alfa Romeo Giulia at the New York International Auto Show in March, we had to keep ourselves from drooling all over it.

Now some life-saving personnel in Italy's Carabinieri police service are going to have to do the same. 

Check it out. 

If you thought law enforcement vehicles here in America looked mean, this Alfa will likely make you reconsider.

This is the Giulia Quadrifoglio, which means it's one of the fastest sport sedans on the market.

Though you would think an Italian sedan with a Ferrari-sourced 505-horsepower engine that lets the car do zero to 60 in 3.8 seconds would probably be used for high-speed car chases, these Giulias will only be used for organ and blood delivery and for special ceremonial purposes. 

I wonder if those special ceremonies are actually codeword for hot-laps around Monza racing circuit?

It also gets all the police gadgets you could ever dream of.

Screens, radios, flashlights, a defibrillator, LED lights on the outside, and all that good stuff.

But what's really important here is that they left the manual transmission in.

Nice call.

Glossophobia – the fear of public speaking — is one of the most common phobias among Americans today.

According to the National Institute of Mental Health, a whopping 74% of people suffer from speech anxiety. 

And, as most people know, when we're nervous or anxious, our minds and bodies tend to do weird things that we can't always control.

However, if you make a conscious effort, you may be able to avoid some of the common mistakes public speakers make.

Here are some habits you'll want to avoid, along with their potential consequences and suggested remedies:

SEE ALSO: How to talk about money in a job interview without making it awkward

1. Not tailoring your message to your audience

As Benjamin Disraeli once said, "Talk to a man about himself and he will listen for hours."

On the other hand, if you don't talk to your audience about themselves, they most likely won't listen, says Darlene Price, president of Well Said, Inc. and author of "Well Said! Presentations and Conversations That Get Results.""Speakers frequently fall into the bad habit of giving generic off-the-shelf presentations that are not tailored to address the needs of this particular audience. Listeners know when the speaker has not done their homework, and their response ranges from disappointment and frustration to anger and disengaging."

To avoid this, ask yourself: Who is my audience? What are their burning issues? How does my message help them? How much do they know about my topic? What will I ask them to do in response to my message? "All the best practices in public speaking depend upon this first tenet: Know Your Audience." 

2. Eye dart

From beginners to veterans, the majority of speakers fail to maintain meaningful, sustained eye contact with their listeners. "Unconsciously, their eyes scurry from person to person, darting around the room, without ever pausing to actually see the recipients of their message," Price says. "A lack of eye contact implies a list of offenses: insincerity, disinterest, detachment, insecurity, shiftiness, and even arrogance."

To visually connect, maintain eye contact for at least two to three seconds per person, or long enough to complete a full phrase or sentence. Effective eye communication is the most important nonverbal skill in a speaker's toolbox.

3. Distracting mannerisms

There are at least 20 common tics to tackle, including: clenching or wringing your hands, pacing back and forth, keeping your hands in pockets, jingling change or keys, twisting your ring, gripping the lectern, licking your lips, adjusting your hair or clothing, fidgeting with a pen, bobbing your head, placing your arms behind your back, and touching your face. "One or more of these habits can distract the audience from your message and jeopardize your credibility," Price explains.

As a remedy, record yourself speaking and watch the playback. "Practice often to increase your comfort level and reduce anxiety. Take a public speaking class or enlist the help of a local coach to eliminate distracting mannerisms and habituate purposeful movement."

This spring will mark ten years since I graduated from university, and once I pick myself up off the floor where I have fallen due the shock of realizing that, I will tell you all about what I've learned during that time.

Between moving to a new country, getting my first real job, changing careers, moving apartments, and dealing with a host of other Life Stuff, I've learned a lot about financial health in the past decade.

To anyone just starting on this journey of adulthood, here's the financial advice I wish I'd had—or followed—way back when.

SEE ALSO: 9 household items where you truly get what you pay for

Be clear about your goals

Before you start looking at where your money is going, it's a good idea to have an overall, long-term roadmap for where you'd like to allocate your income. After basic living expenses, think about any goals you might have for your life that savings can help make a reality.

Hint: debt repayment, whether it's student loans or a line of credit, should be top on your list. Ditto saving for your retirement (I've been told it approaches faster than you think). Long-term saving for a property, travel, or business investment can come next.

Budget 

Yup, you need one. Start by figuring out your non-negotiables: rent, bills, food, transport. This group of outgoings should all be automated with direct debits from your account, if possible. Scheduling your payments to take place as soon as possible after payday is helpful as well.

The middle group of expenses is the stuff I spoke about above: debt repayment and savings. Also non-negotiable, but the amount and rate of contribution is fluid and comes down to your individual situation. As long as you're doing something in this area (see the next tip), you're good.

With those all sorted, you'll know how much you have per week to eat out, do things, buy pretty stuff, etc. If you need to go "cash-only" for your disposable income for a while and withdraw a set amount per week to use, do that. It's not a bad way to get used to living on a budget.

Automate your savings

Any savings. Look, I remember what it's like when you're fresh out of school: the idea of being able to put money aside when you're basically living hand-to-mouth is laughable. But putting away even $20/month (or $5, or $100, or whatever you can afford), by direct deposit, as soon as possible after payday is the best way to get into the habit of saving.

If you time it right, you'll never "see" that money in your account—and thus, won't be tempted to spend it—and the amount you put away can grow as you advance in your career and earning power.

I have a lot of colleagues 5-10 years my junior, and this is the number one thing I tell them over beers in the pub. (Well, that and how they should be wearing sunscreen every day.)

A selection of photos from some of the biggest news that you might have missed this week. 

SEE ALSO: 13 before-and-after photos that show how drastically China's cities have grown over the last century

A man repairs a watch at a roadside shop in the old quarters of Delhi, India May 2, 2016.

Singer-Songwriter Beyonce Knowles arrives at the Metropolitan Museum of Art Costume Institute Gala (Met Gala) to celebrate the opening of "Manus x Machina: Fashion in an Age of Technology" in the Manhattan borough of New York, May 2, 2016.

See more fashion from the Met Gala 2016.

A participant takes part in the annual Jack In The Green parade involving hundreds of costumed revelers joining a four hour procession culminating in the traditional 'slaying' of a Jack character to 'unleash the spirit of summer' on the May Day week end, in Hastings, southern Britain, May 2, 2016.

Any good parent wants their kids to stay out of trouble, do well in school, and go on to do awesome things as adults. 

And while there isn't a set recipe for raising successful children, psychology research has pointed to a handful of factors that predict success.

Unsurprisingly, much of it comes down to the parents.

Here's what parents of successful kids have in common:

SEE ALSO: 21 books successful people read to their kids

1. They make their kids do chores.

"If kids aren't doing the dishes, it means someone else is doing that for them," Julie Lythcott-Haims, former dean of freshmen at Stanford University and author of "How to Raise an Adult" said during aTED Talks Live event. 

"And so they're absolved of not only the work, but of learning that work has to be done and that each one of us must contribute for the betterment of the whole," she said. 

Lythcott-Haims believes kids raised on chores go on to become employees who collaborate well with their coworkers, are more empathetic because they know firsthand what struggling looks like, and are able to take on tasks independently.  

She bases this on the Harvard Grant Study, the longest longitudinal study ever conducted.

"By making them do chores — taking out the garbage, doing their own laundry — they realize I have to do the work of life in order to be part of life,"she tells Tech Insider.

2. They teach their kids social skills.

Researchers from Pennsylvania State University and Duke University tracked more than 700 children from across the US between kindergarten and age 25 and found a significant correlation between their social skills as kindergartners and their success as adults two decades later.

The 20-year study showed that socially competent children who could cooperate with their peers without prompting, be helpful to others, understand their feelings, and resolve problems on their own, were far more likely to earn a college degree and have a full-time job by age 25 than those with limited social skills.

Those with limited social skills also had a higher chance of getting arrested, binge drinking, and applying for public housing.

"This study shows that helping children develop social and emotional skills is one of the most important things we can do to prepare them for a healthy future," said Kristin Schubert, program director at the Robert Wood Johnson Foundation, which funded the research, in a release.

"From an early age, these skills can determine whether a child goes to college or prison, and whether they end up employed or addicted."

3. They have high expectations.

Using data from a national survey of 6,600 children born in 2001, University of California at Los Angeles professor Neal Halfon and his colleagues discovered that the expectations parents hold for their kids have a huge effect on attainment. 

"Parents who saw college in their child's future seemed to manage their child toward that goal irrespective of their income and other assets,"he said in a statement.

The finding came out in standardized tests: 57% of the kids who did the worst were expected to attend college by their parents, while 96% of the kids who did the best were expected to go to college.

This falls in line with another psych finding: The Pygmalion effect, which states "that what one person expects of another can come to serve as a self-fulfilling prophecy." 

In the case of kids, they live up to their parents' expectations.

As we approach Mother's Day, it is natural to reflect on all the wonderful things that your mother has given you. At the very least she gave you life, and that is a pretty powerful gift.

Mothers come in all forms and personalities. Some are affectionate and doting, while some can be overbearing and controlling.

How was your relationship with your mom?

We all know moms are important, but the root of your psychology and how you orient yourself towards success is more connected to your mother than you may realize.

First, think about your own success and approach to work. Then, take a look at these five critical things you should observe about your mother to get a deeper understanding of yourself:

SEE ALSO: Science says parents of successful kids have these 11 things in common

1. Your mother's relationship with her career

Was your mom career orientated? Or did she give up her career or not have one in order to be a full-time mom? Or was motherhood her chosen career?

The bottom line is that your mother's relationship with her career is very telling of her commitment to both motherhood and career in itself. These are the messages that she unconsciously gave you about your own career. Dig into your past, and see if you can see yourself through your mother's career lens.

2. The messages your mother gave you about success

While you were growing up, what did your mother tell you about success? Were the messages tailored to your strengths, or were they a projection of her own view and potential fears?

Your own view of success could be a carbon copy of your mom's, depending on how forceful she was with you. Review her life, how she has lived and the choices she has made. Have you unconsciously adopted the same views?

3. Her behavior around achievement

Was your mom an achievement junkie? Did she seem more approving of your achievements than your inherent characteristics? Or was she doing the opposite? Your own perception of achievement has roots in what your mother's was, so figure out what that was and compare it to your own today. You may be surprised by the similarities.

Carson Block has set his eyes on a new target.

At the Sohn Investment Conference on Wednesday, Block said that he has taken a short position on Bank of the Ozarks, a regional bank.

In Block's opinion, Ozarks has overextended itself into "unfunded off-balance sheet commitments."

In essence, these are loans promised but not executed for real-estate developers until they are ready. This means that many of these loans are not on the company's official balance sheet, making it appear safer than it is.

In order to maintain the level of capital needed to execute the future loans, Ozarks has had to continually grow its deposits. Over the last few years, the company has been able to acquire other banks, absorb their deposits, and turn around and offer these loans.

The issue is that many of these deals have been financed with stock, since Ozarks is growing quickly. Thus, when the growth slows down and the stock wobbles, Ozarks will not be able to do any more acquisitions. No more acquisitions, no more deposits. No more deposits, no more money to fulfill the promised loans.

Block and his firm, Muddy Waters Capital, have provided Business Insider with an abbreviated presentation on his Bank of the Ozarks short. The presentation includes all of the fundamental analysis done for the short. Included is the total debt and deposits that Ozarks has, and slides that show the startling growth of the bank's loan book.

Check out the presentation below:

SEE ALSO: Carson Block's latest short presentation sent the stock tanking

Carson Block's Bank of the Ozarks short presentation

Carson Block's Bank of the Ozarks short presentation

Carson Block's Bank of the Ozarks short presentation

It’s 2 p.m., and your brain is fried.

Before you make your second (or third, or fourth …) cup of coffee, consider these nutrition-based tips for staying energized throughout the day.

SEE ALSO: Tony Robbins explains how he sustains energy with no stimulants and little sleep

1. Eat a fiber-rich breakfast

2. Make lunch veg-heavy 

I have spent the last 16 years advising some of the most amazing, successful, and yes, wealthy families in the US.

These enterprising families have worked most of their lives to be the best at what they do and bring the same talent to managing their wealth. Wealth does not build itself, but it can be built, nurtured, and preserved.

Based on that understanding and my experience, here is my list of the top 10 strategies for building and growing wealth.

SEE ALSO: I've been an investment-fraud securities lawyer for 25 years, and here are the 8 best pieces of advice I can give you about money

Think like an entrepreneur

The enterprising family exhibits entrepreneurial creativity in many aspects of their life. They often break from tradition, accept new approaches, and take measured risks.

Entrepreneurs know that rules are constantly changing — and the same is true when it comes to building wealth. To do well, be a self-learner, hire the right expertise, and acquire creative, goal-oriented financial advice. Be a financial entrepreneur.

Ask smart questions and insist on answers

Don’t be afraid to ask yourself and your advisers the tough questions.

Ask yourself: Do I have enough to support my lifestyle? Do I know what will happen to my family if something happens to me? Is my wealth having the impact that I desire? Am I missing anything?

Ask your adviser: Can you get me answers to my questions (see above)? How do you get paid?

When these questions are answered, you will be better informed and gain greater confidence in yourself, your adviser, and your approach.

Define success, then achieve it

Take time for you (and your spouse) to clearly define, set, prioritize, and agree upon and document specific goals that you want to achieve, such as a specific lifestyle or charitable grant.

This may sound trite or even cliché, but our clients who set goals move to action quicker, make better decisions, and get better results relative to their peers. Taking a goals-based approach defines benchmarks that are relevant and meaningful for you and your family.

Here's a quick and fun way to enrich your business knowledge: streaming documentaries on Netflix.

The online movie and TV service has a vast cache of business and tech documentaries that anyone with a subscription can watch instantly. The topics range from profiles of great innovators like Steve Jobs and Henry Ford to the psychology behind human behavior.

Each of these 15 documentaries offers an entertaining storyline, as well as valuable insights into business success.

SEE ALSO: 33 business books every professional should read before turning 30

DON'T MISS: 10 TED Talks that will make you smarter about business

How lifelong dedication and obsession with quality can pay off

The 2011 documentary "Jiro Dreams of Sushi" profiles Jiro Ono, a Japanese sushi chef and restaurant owner who is widely revered for his skill and $300-a-plate dinners. It follows the now 90-year-old master as he works with vendors to secure the finest ingredients, manages and mentors his staff, and prepares his son to succeed him when he retires. The movie brings viewers inside the dedication, obsession, and decades of hard work it takes to achieve perfection.

The best tricks to transform your life

"TED Talks: Life Hacks" is a collection of 10 popular TED lectures that offer tips and insights for success in life and business. You'll learn body-language secrets from Harvard psychologist Amy Cuddy, research-backed productivity tricks from positive-psychology expert Shawn Achor, and more.

How to adapt constantly to stay relevant

"Joan Rivers: A Piece of Work" takes viewers deep inside the business of the late Joan Rivers. After following the comedian for a year, filmmakers reveal the highs and lows of Rivers' decades-long quest to stay relevant. What does it take to get to the top and stay there? From meticulous organization systems to her willingness to take any job to make sure her staff got paid, the movie shows the fierce determination necessary for success.

Alden Ehrenreich is heading to a universe far, far away.

It was announced Thursday that the 26-year-old actor was cast as a young Han Solo, stepping into a role made iconic by Harrison Ford.

The spin-off is set for a May 25th, 2018, release.

Though this might be Ehrenreich's first blockbuster film, the actor is no stranger to Hollywood. 

He was discovered by Steven Spielberg at a bat mitzvah at age 14, and has worked with some of the film industry's most established directors, including Francis Ford Coppola.

Here's a look at the professional career of the future "Star Wars" actor:

SEE ALSO: Why the great 'Captain America: Civil War' might save the superhero movie

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Alden Caleb Ehrenreich was born November 22, 1989, and grew up in Pacific Palisades, California.

When he was 14, he made a short, comedic video for his friend's bat mitzvah. Steven Spielberg happened to be in the crowd, and set up a meeting between the teen and DreamWorks.

Source: Interview

He landed his first acting gigs on episodes of "CSI" and "Supernatural."

Collectively, people waste nearly 50% of global food— and in the US and Canada alone, we're wasting $6,000 worth of food every second.

Canada-based filmmakers Grant Baldwin and Jen Rustemeyer wanted to find out how much of that food is still good, and if they could eat it, so they came up with a challenge: to survive on food waste for six months.

"We went cold-turkey,"they told NPR on a recent podcast. "We said we're going to consume only food that is destined for the trash or already in it. So we could pay for it, but we found that most places would not sell us dated food."

After six months of dumpster diving and searching behind wholesale warehouses, they managed to rescue over $20,000 worth of food — and spent a scant $200 on groceries.

To see how they did it, we checked out their documentary on the project, "Just Eat It: A Food Waste Story," which featured interviews with authors Tristram Stuart and Jonathan Bloom, and the Natural Resources Defense Council project scientist, Dana Gunders:

SEE ALSO: I compared the price of organic and regular items at Whole Foods — here's what I found

Baldwin and Rustemeyer hashed out the rules for the six month challenge over their "last supper": an all-you-can-eat Chinese buffet.

1. They must eat only discarded food — anything expired or already wasted.
2. They could eat what friends and family serve, "to alleviate the stress of making everyone feel uncomfortable," Rustemeyer explained in "Just Eat It."

Most supermarkets wouldn't sell them dated food, so they often resorted to dumpsters. "We found 18-foot dumpsters all the time filled with food," they told NPR. "And the majority of that was because it was near the date label, but rarely past it."

The most food waste comes from households, in part because of the confusing nature of date labels.

There are 'sell by' and 'best by' dates on food products, and the customer should really only see the latter, explained Stuart: "The 'sell by' date shouldn't appear visibly. It should be encoded so that only staff understand it because it confuses people. They say 'display until,' customers see it, and they think, 'Oh, I can't eat it after that day.'"

The Lexus RX has been around for so long that it's easy to forget how significant a vehicle it was when it hit the scene way back in 1998.

Up to that point, SUVs had essentially been upscale trucks. Lexus' parent company, Toyota, realized that many people, especially in America, were buying rugged four-wheel-drive SUVs when all they really wanted was SUV scale and utility. Their SUVs never got a whiff of trail; the closest they came to off-roading was when the parking lot of the Short Hills Mall needed a repaving.

Enter the RX, the first in a new breed of "crossover" SUVs, built not on truck platforms, but on more car-like undergirdings.

The RX was an immediate hit and has remained so for decades. Lexus has sold over 2 million of the RX 350, making it by far the most important vehicle in the luxury brand's portfolio. This is not a car that Lexus can afford to screw up.

That said, Lexus did revamp the RX, rolling out the new crossover at the New York Auto Show last year. The fourth-generation crossover is just as versatile as it's always been, but the design is newly aggressive — and divisive — notably up front.

I live in the suburbs of New Jersey. This is the heart of the heart of RX country. Lexus loaned us a $60,000 RX 350 F Sport version, with all-wheel drive, and we tooled around in it around for a week. (A front-wheel-drive RX 350 is available, as is a hybrid RX 450.) Here's the lowdown:

Photos by Hollis Johnson

Let's just get right down to it. The so-called spindle grille is completely polarizing. You love it, you hate, but you don't hold back your opinion. Frankly, I think it's hideous, but the RX 350 had always struggled with the impression that it was bland, so I can see why Lexus went bold. And the grille design does look better at SUV scale than it does on Lexus' cars.

In profile, the RX 350 is quite sleek, with the caged energy of a silvery panther. But the pseudo-haunches over both the front and rear wheels look weird, as does the odd "floating" roof.

There is just a hot mess of folded metal that fills the field of vision when you consider the RX 350 from an angle. Swoop! Slash! Curve! Eek!