California E&S Insurance

Maps showing where housing is struggling * **More senior living operators embrace pharmacy services to improve care, revenue** * **Restaurant industry hopes for a Gen Z revival amid slowing sales** * **Maps that show where the housing market is struggling**  * ***One Real Estate AI tool***: **AI assistant Shilo closes $2.6 million seed funding round**  * ***Unreal Real Estate***: **A Domed Home with a 100-Year Lead Roof & Modern Interiors** ***Real Estate Trends*** **More senior living operators embrace pharmacy services to improve care, revenue** [link](https://link.mail.beehiiv.com/ss/c/u001.undUUsoaqaL6P-NwPEtWXXCJ8LBYItHqiQMQbf6-fbzfSTG09QZrbGYYt39BlyGZMs-PydfKlNbXpf1CQ7naTqLe0RpRD23DwbCPGqmyVaGPEscrLUiPKqV_Wowr2sAmgsfkZ3yHnpLRXRbo6VilrG_b-wQ6Pbz9JHXPZLdDxmYTTiyv7FmKa7oFoJFclpvg5yFeifxKUTViREsIvOQ0HDt5fI6HzfKd2YVjc8p5hNb6soVrnWqEIsbo_Bl2HrC48MJ0ORumfj8w9UeeuWKWLVNDhKb6KSUke8YGQ4LHLlFAuj1ijyuXwWhlbu1fOtzQyaQrLlMs043p_D7aT4zvBd_tGal2YBKedYV7e7lCNyfIwNNj6Qh0vyBFyX2aM_Gs/4h8/duKnOlUaSZSiXslgTNyLXQ/h3/h001.A9zqM3hJdUcrEY0yd3rGSGVIjURyHqhhaQf1V1yvDPU) * Louisville-based Trilogy Health Services dispenses 1.2 million prescriptions monthly through its own Synchrony Pharmacy. Owning the pharmacy has cut per-patient costs, improved care coordination, and boosted profit margins. * Presbyterian Homes and Services co-owns a pharmacy that serves 52 communities in Minnesota and Wisconsin. The venture broke even in just 18 months and enabled better service standards and clinical collaboration. * Lifespark’s pharmacy JV has generated $15 million in 18 months but is still operating at a loss due to startup costs. Still, the company credits it with a 5–7 percentage point rise in occupancy thanks to improved care outcomes. **Restaurant industry hopes for a Gen Z revival amid slowing sales** [link](https://link.mail.beehiiv.com/ss/c/u001.YEKRhgvVMysIYbPuESktiF9RSetv-NhjoEEm3xq1hf4OCoyjRlzLmcDDjgBhBW9y4rm0o2UeAjyawodXezM6CYTwzn5f82j-CDXQk6lDTOAwvilCA21JNzcd1Qv3-TUk-843RQfYAfNbf0kJ0nO0u91uU0xwfl_P6kepycNoKVI6ZSYlidf8yEZHjfL8xW_ACuivRMYu-6x8kpUUBdnOh4xA6i7RxJ44e8aaNkL0a6uqIP9kx1BPkVRVwCUBdI-PiCuD68H0008wZraXNV95upwieXMnvqEHRDbxmgH1thOo094guIxsuHz4sJCqrLoIwZvVWtto4nkNDYiSLpNrucsjAbEtf4K8UdwbNjm60qg/4h8/duKnOlUaSZSiXslgTNyLXQ/h7/h001.TX3-P4IJZraeK_aGaPMK1nKovP-oQNTqA78mOxHvVVg) * Same-store sales growth is dropping across the board: casual dining only grew 1.3% in Q4 2024, compared to 16.3% over the past 5 years. Family dining and fast casual segments are also cooling, reflecting broader economic pressure and value-seeking behavior. * Gen Z accounts for just 17% of casual dining customers, even though they make up 19.3% of the U.S. population. Events like Chain Fest in NYC show potential interest, but it’s driven more by nostalgia than regular spending habits. * Despite slowing demand, over 7,700 new stores were announced through early 2025, including nearly 3,000 restaurants. Fast casual and quick-service chains lead the expansion, but consumer cutbacks in dining out—especially group outings—could strain long-term viability. **Maps that show where the housing market is struggling** [link](https://link.mail.beehiiv.com/ss/c/u001.YEKRhgvVMysIYbPuESktiOVw4S_du5RSs2emFlEprH_U-f8vjmlDZlw4ovdj8lJYSjlipjnI8jzdAq8Mq-tK-GyUmtfWVr_tQ8g_OZqQ1281F4jVwBD10yCRPOHXsbJ9RSUK1MHCgOPyoAidjlDRMApzsbtLPv_ILCCBQ8l7G5XvbNWKFdpIQI03GZzV9piFEzXTJkE8-K8HGy1HDdzHCXNYCuNkVgle8eUviGUY0Lj8i2Pn9eW7_Dg7MD4gyEJhP9fjfnDq3lvQ7Jw7Wgl8NotF0YWqSScDvcVlpOJOPa7RAD7MSDmk6LEq3EzgSx_WVXwWg3tkplZZwaXLzeqj1Yj2tN83NuI7E4pM3P-PWnI/4h8/duKnOlUaSZSiXslgTNyLXQ/h9/h001.p4tUJso4VftcPdHsbjS_jqmN4mA0iLbqp9LhTcqYt3U) https://preview.redd.it/6iacbq0xm46f1.png?width=794&format=png&auto=webp&s=70d998fe2e1b36d7bbf7b829de6370eeb5146d02 * Texas and Florida have seen a sharp downturn, with all reported cities now graded as “slow” in new-home market conditions. High property taxes and rising insurance costs are key reasons why 30% of Texas and 26% of northern Florida homeowners are looking to sell. * Chicago and Indianapolis stand out as bright spots, earning “strong” ratings amid broader national weakness. San Diego and Orange County also hold up well in California, which otherwise trends toward “normal” or “slow.” * In the resale market, Fort Lauderdale, Sarasota, Tampa and Austin are now labeled “very slow,” indicating major cooling in areas that were once hot. Most of California, Nevada and Arizona also fall into the “slow” category, except for San Jose, Sacramento and Las Vegas. * See the article for more maps. ***One Real Estate AI tool*** **AI assistant Shilo closes $2.6 million seed funding round**  * [Shilo.ai](https://link.mail.beehiiv.com/ss/c/u001.Uy4Tq9N5KIhccQIp2kdHoSuzQ62dsiZyKkzPAsYe1qM2I6xtbycGv-GiZBeOb8ezVAJBXvii7XhVcitedX3SLC_UR1DDG2Ga6R_99rC16JRm9HsCN81GaM9bWYRhcuXObmU9xJ4FWO3ZUjsnJMflWztB56gd0YesOleCg_WMkgWBkt2Ec2r8RzvP2TAVeV8yBsJkl9pjLb3uFxK03pQVcU6mmqUFLTbjM9Rf_79pHvg/4h8/duKnOlUaSZSiXslgTNyLXQ/h11/h001.JVuyC48Q4CzynSnp-fX9S2jjz_qjMoJKVu3c6gw63b8) secured $2.6 million in seed funding led by AZ-VC, Arizona’s largest venture capital fund. The fund is managed by Jack Selby, a key figure at Thiel Capital. * The funding will speed up product development for Shilo, a company focused on building AI assistants for real estate and tech applications. It marks a step forward in expanding AI's role in real estate operations. * This investment signals growing local support for AI startups in Arizona, especially in cities like Phoenix where tech innovation is booming. It also reflects the continued interest in AI-driven automation tools across the real estate industry. ***Unreal Real Estate*** **A Domed Home with a 100-Year Lead Roof & Modern Interiors** https://preview.redd.it/plu2i5o4n46f1.png?width=1292&format=png&auto=webp&s=558cbbdd4aca53d0453f5c96b0166f777bf93305 [Link to the listing](https://link.mail.beehiiv.com/ss/c/u001.YEKRhgvVMysIYbPuESktiF94QOxtCtEkQBz_2XDZK7DFwuKiNPjh8eEEqCh9Xi9tKGUKTHBnobVQc_v0Blg5Q6Kxj6ATITElQ2QBGVaIM7eAiBbyEcl6HoCvZvHupQYfJGhZHT8k4sHPhOKfs8Z-XyaD7AJ4jnqY0isGYv7cKvsJ0_JQGfcxBqhf99bzXpHntjouGgB3z7f6FdNE1vvfGF86PEXpyIloTBXbU5QdnTBZ47XPgUapTvf471nPDxmEdcccX2h-kaqmLK0cZ16dkO1fT8DlyObWZI2SWVQ8PRZ8Da-9TLBTceC57TtAQev2kHrxA8KS5lUiweqGNTWcSg/4h8/duKnOlUaSZSiXslgTNyLXQ/h21/h001.D9mkqKAzPBH9idjpREgIacMj6wJFuhtA8u-iV6xRUy8)

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  "title": "Maps showing where housing is struggling",
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