1 big thing: Lessons from Chris Bianco

2. Arizona's pricey pizza

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3. Bonus advice: "Don't save the good wine."

I cover many topics across Axios Local, including business. 

For today's special Saturday edition of Axios Phoenix, we chat with beloved chef Chris Bianco. He dishes on his typical day, what's on his mind and gives advice for aspiring restaurateurs and home chefs. 

Situational awareness: We're off on Monday for Presidents Day, so Jeremy and Jessica will be back in your inbox Tuesday. 

Today's newsletter 563 words — a 2-minute read. 

🤔 All of a sudden, pizza and wine night sounds really good. 

Phoenix

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Axios Phoenix

1 big thing: Builders 🤝 buydowns

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2. How buy-downs lower payments

3. A waterfront new build 🤩

4. Our Saturday sends

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🏡 Today we'll explore how mortgage buydowns can provide buyers some monthly payment relief.

Today's newsletter is 672 words — a 2.5-minute read. 

🤔 I want to answer all of your burning real estate questions. Send them to me at brianna.crane@axios.com.

Tampa Bay

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Get smarter, faster about what’s happening in your backyard with local reporter Selene San Felice.

Axios Tampa Bay

1 big thing: Housing prices are down, for now

2. New builds are hot targets for buyers

HGTV designer takes us behind the scenes and talks remodeling tips

3. 📺 Aurora designer featured on national TV show

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4. 📩 Our new Saturday sends

Hello, Saturday! Welcome to our new weekend editions.

☀️ Today's weather: Sunny with highs near 55°.

Today's newsletter is 761 words — a 3-minute read.

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Denver

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Get smarter, faster about what’s happening in your backyard with local reporters John Frank and Alayna Alvarez.

Axios Denver

1 big thing: Major employers' parental leave policies

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2. 👀 How employers stack up 

3. 🍼 Benefits beyond time off 

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4. What benefits does your company offer?

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We're looking into parental leave benefits offered at some of the largest companies in Denver.

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Today's newsletter is 333 words — a 1-minute read.

💖 Thanks for spending another Saturday with us!

This newsletter was edited by Ashley May and Hadley Malcolm and copy edited by Carolyn DiPaolo.

Salt Lake City

Salt Lake City metro's median home sales price was $490,000 as of January, down 2% from the same time last year, per Redfin data.

Why it matters: Any relief from sky-high home prices is welcome, especially as mortgage rates creep up.

By the numbers: The median home sales price in the Salt Lake City metro area in January was up 3.2% from December.

Homes sat on the market for a median of 62 days in January, up 42 days year over year.

Zoom out: Median home sales across the country prices have crept up 1.3% from one year ago.

The national median home sales price in January was $383,000. Sales fell for the 12th consecutive month, per the latest from the National Association of Realtors.

As demand falls, homes sit on the market longer, which gives buyers a little more room to negotiate.

What’s next: Spring, historically marked by higher demand, more competition and steeper home prices, is right around the corner.

If this year follows typical trends, we should expect home prices to rise again in the near future.

Yes, but: Experts predict 2023 will see a less frantic housing market than last year.

Salt Lake City housing prices have cooled down

Experts predict we'll see a less frantic housing market than last year.

Real estate

Salt Lake City metro&#x27;s median home sales price was $490,000 as of January, down 2% from the same time last year, per Redfin data.Why it matters: Any relief from sky-high home prices is welcome, especially as <a class="gtmContentClick" data-vars-link-text="mortgage rates creep up" data-vars-click-url="https://www.freddiemac.com/pmms" data-vars-item="in_content_link" href="https://www.freddiemac.com/pmms" target="_blank">mortgage rates creep up</a>.

Real Estate

News

The University of South Florida has some of the most generous parental leave policies in Tampa, including 19.5 weeks of paid time off for instructors.

Why it matters: A host of research shows paid parental leave leads to better birth outcomes, healthier families and household stability.

Driving the news: Job seekers are the most motivated by generous benefits and personal well-being, according to a study from Gallup, and companies see better benefits as a competitive advantage when recruiting talent.

In 2022, better pay and benefits ranked at the top of what employees want in their next job, compared to No. 4 in 2015.

What we did: We reached out to the top 10 largest employers in Tampa, as ranked by the Tampa Bay Business Journal.

The policy details below came from spokespeople at the companies.

Of note: Under the federal Family and Medical Leave Act, certain employees are guaranteed up to 12 weeks of unpaid, job-protected leave after a year on the job, or 1,250 hours worked over the past 12 months.MacDill Air Force Base

Data: Axios research; Table: Axios Visuals

Parental leave: Birthing parents get a provider-recommended amount of paid convalescent leave and an additional 12 weeks of paid parental leave.

Non-birthing parents, including adoptive parents, get 12 weeks of paid leave.

Transition back to work: Dual-military couples have 12 months to decide whether to continue military service.

Fertility: Some fertility benefits are offered through TRICARE health care coverage.

The Air Force also offers time off for fertility treatments at military medical treatment facilities.

Those who experience miscarriage or pregnancy loss can receive up to 42 days of paid convalescent leave.

Other benefits: Private lactation rooms with refrigeration and hot/cold water are offered.

Parental leave: BayCare Health System doesn't have paid parental leave. Birthing parents can use short-term disability for up to 10 weeks at 50% pay, following a 14-day unpaid waiting period.

Birthing parents can buy supplemental short-term disability to receive a larger portion of their salary while on leave.

Transition back to work: There are part-time and flexible options; employees might have to switch departments to find a position that works with their new schedule.

Fertility: Coverage for fertility testing is available through medical insurance.

Adoption: Employees can be reimbursed up to $4,500 per adopted child per calendar year for expenses.

Other benefits: BayCare gives employees who’ve been hospitalized $1,000, including when they give birth. New parents can also order a free breast pump through insurance.

BayCare has two on-site child care centers and offers discounts to several child care centers.

Parental leave: Hillsborough County Public Schools (HCPS) doesn’t offer paid leave. Employees can take a max of 12 weeks leave after birth or adoption.

Fertility: Limited fertility benefits are provided through health insurance.

Additional benefits: The district offers 25%–50% off before and after-school care at the school sites. 

HCPS also provides counseling support for all members of the employee's family.

Parental leave: Instructional faculty are eligible for 19.5 weeks or one semester of paid leave, and non-instructional faculty are eligible for three months of paid leave.

Employees may be eligible to take up to six months of unpaid parental leave.

Leave policies apply to birth or adoptive parents.

Transition back to work: Employees can talk to their supervisors about return-to-work plans.

Fertility: Some fertility coverage is available through health insurance plans.

Adoption: State employees may be eligible for adoption benefits through the Department of Children and Families, Office of Child Welfare.

Parental leave: There’s no paid family leave. Instead, Pasco County Schools employees can use their sick days for paid time off. 

Transition back to work: FMLA can be used on an intermittent basis for flexible return to work.

Fertility: In the event of a miscarriage or pregnancy loss, employees can use FMLA for unpaid time off.

How parental leave policies at Tampa's biggest employers compare

The University of South Florida has some of the most generous parental leave policies in Tampa, including 19.5 weeks of paid time off for instructors.Why it matters: A host of research shows <a class="gtmContentClick" data-vars-link-text="paid parental leave" data-vars-click-url="https://www.apa.org/monitor/2022/04/feature-parental-leave" data-vars-content-id="77b4a512-0ad0-47e6-b8a7-2b0687f1919e" data-vars-headline="How parental leave policies at Tampa&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://www.apa.org/monitor/2022/04/feature-parental-leave" target="_blank">paid parental leave</a> leads to better <a class="gtmContentClick" data-vars-link-text="birth outcomes" data-vars-click-url="https://link.springer.com/article/10.1007/s10995-017-2393-x" data-vars-content-id="77b4a512-0ad0-47e6-b8a7-2b0687f1919e" data-vars-headline="How parental leave policies at Tampa&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://link.springer.com/article/10.1007/s10995-017-2393-x" target="_blank">birth outcomes</a>, healthier families and <a class="gtmContentClick" data-vars-link-text="household stability" data-vars-click-url="https://siepr.stanford.edu/news/its-good-new-moms-when-dads-can-stay-home" data-vars-content-id="77b4a512-0ad0-47e6-b8a7-2b0687f1919e" data-vars-headline="How parental leave policies at Tampa&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://siepr.stanford.edu/news/its-good-new-moms-when-dads-can-stay-home" target="_blank">household stability</a>.

Business

Axios Tampa Bay, anchored by Ben Montgomery and Selene San Felice, is here to help readers get smarter, faster on the most consequential news and developments unfolding in their own backyard.

If you're a car enthusiast, we might have found your dream house — listed at a cool $2,396,000.

This 2,934-square-foot home in St. Petersburg has a two-story garage with two car lifts.

What's inside: 1172 35th Ave. NE has four bedrooms and three bathrooms.

The modern abode also features a 340-bottle wine cooler, built-ins, a sleek newly remodeled kitchen, new flooring and other upgrades throughout.

You can do your laundry in the sitting room, where there's room for seating and tons of storage, in addition to the washer and dryer.

Outdoor living: There's a 58-foot screened-in porch which can be accessed from the living room or primary bedroom. 

It overlooks the water and private dock and boat slip. 

Who's buying: This house was made for people who love cars, boats, sunrises and entertaining, listing agent Patti Halpin tells Axios.

Why we love it: The wood paneled ceilings add warmth, character and a mid-century flair to the waterfront home.

Modern waterfront home in St. Pete asks $2.4M

There's a 58-foot screened-in porch, and private dock and boat slip.

If you&#x27;re a car enthusiast, we might have found your dream house — listed at a cool $2,396,000.<ul><li>This 2,934-square-foot home in St. Petersburg has a two-story garage with two car lifts.</li></ul>

Denver's largest employers have a range of parental leave policies, from paid time off to reimbursement for adoption expenses.

What we did: We reached out to the top 10 largest employers in Denver, as ranked by the state's economic development office.

The policy details below, and local employee counts, came from spokespersons at the companies.

Of note: Under the federal Family and Medical Leave Act, certain employees are guaranteed up to 12 weeks of unpaid, job-protected leave after a year, or 1,250 hours over the past 12 months. Colorado employees are eligible for another 40 hours under state law.

What to watch: Starting in 2024, Colorado employees are eligible for paid leave and will receive a portion of their paycheck (up to $1,100 a week). Employees cover the state's cost of the program through a payroll deduction.

The City of Denver has 8,000 employees who are eligible for their paid family leave program called Care bank.

Paid family leave: The Care bank offers all parents, including adoptive, eight paid weeks of leave.

Transition back to work: Some employees can return to work part-time or in a limited capacity.

Fertility: Parents who experience a miscarriage or pregnancy loss are able to take off up to eight weeks paid.

Denver's medical insurance plans provide three completed egg retrievals, unlimited embryo transfers and fertility preservation measures.

In the Denver area, HealthONE has 11,600-plus employees.

Paid family leave: HealthONE offers eight weeks of paid maternity leave for primary caregivers and two weeks for secondary caregivers.

Those who adopt have a minimum of two weeks paid leave.

Transition back to work: Employees have a few options for returning to work, including longer personal leave or extended medical leave, if needed.

Some HealthONE employees are able to transition to part-time work or PRN (per diem) hours.

Fertility: HealthONE partners with Progyny, which provides supplemental fertility coverage at no extra cost for employees.

Employees experiencing pregnancy loss or miscarriage are eligible to apply for medical leave and short-term disability benefits.

Employees can also get eight free counseling sessions with Optum.

Adoption: Through an application process, employees can be reimbursed up to $12,000 for adoption expenses like attorneys fees, home studies and transportation expenses required to bring the child home.

Century Link, a Lumen Technologies brand, has approximately 4,490 in the Denver metro area.

Paid family leave: All employees receive eight weeks of paid parental leave. This applies to adoption, surrogacy or biological means.

Birth mothers also may be eligible for six to eight weeks of short-term disability prior to the eight-week family leave.

Full-time employees can work fewer hours during the first four weeks back to work following birth or placement of a child.

Fertility: Employees can access supplemental fertility benefits through either Progyny or Fertility Solutions to cover costs of testing, medication, egg or sperm preservation, etc.

Employees can take 10 paid days off and an additional 20 unpaid days off in the event of a miscarriage.

Adoption: Lumen employees can be reimbursed up to $5,000 per adopted child, or up to $6,000 for children with special needs.

Kaiser Permanente has approximately 6,000 employees, most of whom are based in the Denver metro area.

Paid family leave: Kaiser Permanente doesn't offer paid family leave. Instead, employees can use PTO or paid sick days.

Birthing parents can use short-term disability.

They offer flexible return-to-work plans when medically necessary.

Fertility: Fertility services, including IVF and medications, are offered at the same copays as all other medical services.

Paid family leave: Primary caregivers get 18 weeks of paid parental leave, and secondary caregivers get 10 weeks of paid leave.

Fertility: Medical insurance provides coverage for fertility testing and treatment, IVF, etc. There's a lifetime max of $25,000.

They offer three days of bereavement for pregnancy loss and miscarriage.

Adoption:  Parents who adopt can receive 10 weeks of paid leave, and up to $10,000 reimbursement for adoption expenses.

Foster parents are eligible for 10 weeks of paid leave.

How parental leave policies at Denver's biggest employers compare

A host of research shows paid parental leave leads to better outcomes.

Denver&#x27;s largest employers have a range of parental leave policies, from paid time off to reimbursement for adoption expenses.Why it matters: A host of research shows <a class="gtmContentClick" data-vars-link-text="p" data-vars-click-url="https://www.apa.org/monitor/2022/04/feature-parental-leave" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://www.apa.org/monitor/2022/04/feature-parental-leave" target="_blank">p</a><a class="gtmContentClick" data-vars-link-text="aid parental leave" data-vars-click-url="https://www.apa.org/monitor/2022/04/feature-parental-leave" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://www.apa.org/monitor/2022/04/feature-parental-leave" target="_blank">aid parental leave</a> leads to better <a class="gtmContentClick" data-vars-link-text="birth outcomes" data-vars-click-url="https://link.springer.com/article/10.1007/s10995-017-2393-x" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://link.springer.com/article/10.1007/s10995-017-2393-x" target="_blank">birth outcomes</a>, healthier families and <a class="gtmContentClick" data-vars-link-text="household stability" data-vars-click-url="https://siepr.stanford.edu/news/its-good-new-moms-when-dads-can-stay-home" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://siepr.stanford.edu/news/its-good-new-moms-when-dads-can-stay-home" target="_blank">household stability</a>.Driving the news: Job seekers are the most motivated by generous <a class="gtmContentClick" data-vars-link-text="benefits and personal well-being" data-vars-click-url="https://www.gallup.com/workplace/389807/top-things-employees-next-job.aspx" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://www.gallup.com/workplace/389807/top-things-employees-next-job.aspx" target="_blank">benefits and personal well-being</a>, according to a study from Gallup, and companies see better benefits as a competitive advantage when recruiting talent.<ul><li>In 2022, better pay and benefits ranked at the top of what employees want in their next job, compared to No. 4 in 2015.</li></ul>What we did: We reached out to the top 10 largest employers in Denver, as ranked by the <a class="gtmContentClick" data-vars-link-text="state&#x27;s economic development office" data-vars-click-url="https://choosecolorado.com/doing-business/major-employers/" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://choosecolorado.com/doing-business/major-employers/" target="_blank">state&#x27;s economic development office</a>.<ul><li>The policy details below, and local employee counts, came from spokespersons at the companies.</li></ul>Of note: Under the federal <a class="gtmContentClick" data-vars-link-text="Family and Medical Leave Act" data-vars-click-url="https://www.dol.gov/general/topic/benefits-leave/fmla" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://www.dol.gov/general/topic/benefits-leave/fmla" target="_blank">Family and Medical Leave Act</a>, certain employees are guaranteed up to 12 weeks of unpaid, job-protected leave after a year, or 1,250 hours over the past 12 months. Colorado employees are eligible for another 40 hours <a class="gtmContentClick" data-vars-link-text="under state law" data-vars-click-url="https://dhr.colorado.gov/state-employees/time-off-leave/family-medical-leave-act-fmla" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://dhr.colorado.gov/state-employees/time-off-leave/family-medical-leave-act-fmla" target="_blank">under state law</a>.What to watch: Starting in 2024, Colorado employees are <a class="gtmContentClick" data-vars-link-text="eligible for paid leave" data-vars-click-url="https://famli.colorado.gov/individuals-and-families" data-vars-content-id="c1472d40-096b-48fb-af43-dbd323ad9750" data-vars-headline="How parental leave policies at Denver&#x27;s biggest employers compare" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://famli.colorado.gov/individuals-and-families" target="_blank">eligible for paid leave</a> and will receive a portion of their paycheck (up to $1,100 a week). Employees cover the state&#x27;s cost of the program through a payroll deduction.<h5>City of Denver</h5>The City of Denver has 8,000 employees who are eligible for their paid family leave program called Care bank.Paid family leave: The Care bank offers all parents, including adoptive, eight paid weeks of leave.Transition back to work: Some employees can return to work part-time or in a limited capacity.Fertility: Parents who experience a miscarriage or pregnancy loss are able to take off up to eight weeks paid.<ul><li>Denver&#x27;s medical insurance plans provide three completed egg retrievals, unlimited embryo transfers and fertility preservation measures.</li></ul><h5>HealthONE</h5>In the Denver area, HealthONE has 11,600-plus employees.Paid family leave: HealthONE offers eight weeks of paid maternity leave for primary caregivers and two weeks for secondary caregivers.<ul><li>Those who adopt have a minimum of two weeks paid leave.</li></ul>Transition back to work: Employees have a few options for returning to work, including longer personal leave or extended medical leave, if needed.<ul><li>Some HealthONE employees are able to transition to part-time work or PRN (per diem) hours.</li></ul>Fertility: HealthONE partners with Progyny, which provides supplemental fertility coverage at no extra cost for employees.<ul><li>Employees experiencing pregnancy loss or miscarriage are eligible to apply for medical leave and short-term disability benefits.</li><li>Employees can also get eight free counseling sessions with Optum.</li></ul>Adoption: Through an application process, employees can be reimbursed up to $12,000 for adoption expenses like attorneys fees, home studies and transportation expenses required to bring the child home.<h5>Century Link</h5>Century Link, a Lumen Technologies brand, has approximately 4,490 in the Denver metro area.Paid family leave: All employees receive eight weeks of paid parental leave. This applies to adoption, surrogacy or biological means.<ul><li>Birth mothers also may be eligible for six to eight weeks of short-term disability prior to the eight-week family leave.</li><li>Full-time employees can work fewer hours during the first four weeks back to work following birth or placement of a child.</li></ul>Fertility: Employees can access supplemental fertility benefits through either Progyny or Fertility Solutions to cover costs of testing, medication, egg or sperm preservation, etc.<ul><li>Employees can take 10 paid days off and an additional 20 unpaid days off in the event of a miscarriage.</li></ul>Adoption: Lumen employees can be reimbursed up to $5,000 per adopted child, or up to $6,000 for children with special needs.<h5>Kaiser Permanente</h5>Kaiser Permanente has approximately 6,000 employees, most of whom are based in the Denver metro area.Paid family leave: Kaiser Permanente doesn&#x27;t offer paid family leave. Instead, employees can use PTO or paid sick days.<ul><li>Birthing parents can use short-term disability.</li><li>They offer flexible return-to-work plans when medically necessary.</li></ul>Fertility: Fertility services, including IVF and medications, are offered at the same copays as all other medical services.<h5> Western Union</h5>Western Union has 912 Denver employees.Paid family leave: Primary caregivers get 18 weeks of paid parental leave, and secondary caregivers get 10 weeks of paid leave.Fertility: Medical insurance provides coverage for fertility testing and treatment, IVF, etc. There&#x27;s a lifetime max of $25,000.<ul><li>They offer three days of bereavement for pregnancy loss and miscarriage.</li></ul>Adoption: Parents who adopt can receive 10 weeks of paid leave, and up to $10,000 reimbursement for adoption expenses.<ul><li>Foster parents are eligible for 10 weeks of paid leave.</li></ul>

Axios Denver, anchored by John Frank and Alayna Alvarez, is here to help readers get smarter, faster on the most consequential news and developments unfolding in their own backyard.

Would you pay nearly half a million dollars for a 405-square-foot studio? That's what a Clearwater seller is asking for his condo.

What's happening: This studio at 800 Bayway Blvd. was put on the market for $525K last spring and the asking price has dropped $30K since. 

The intrigue: The current owner bought the condo for $275K in July 2021.

That's some serious short-term appreciation. I asked listing agent John Ervin if that's the price you have to pay to be on the water these days.

"Everything waterfront is going up, going up, going up," he said.

What's inside: In addition to location, this unit is completely updated and comes fully furnished. Everything from the A/C unit to the kitchen is new.

It has tons of natural light, white kitchen cabinets and coastal-inspired finishes. 

Who's buying: Someone looking for extra income, most likely.

Ervin says most units in this building are used as Airbnbs and vacation rentals. 

Someone could buy it as a full-time residence, but condos in this building are rented out "very consistently." 

Other highlights: The community has a private pool, barbecue and picnic area, dock and boat slips for rent. 

Tiny waterfront condo in Clearwater asks $495K

See inside this totally renovated condo, ripe for an Airbnb.

Would you pay nearly half a million dollars for a 405-square-foot studio? That&#x27;s what a Clearwater seller is asking for his condo.What&#x27;s happening: This studio at <a class="gtmContentClick" data-vars-link-text="800 Bayway Blvd." data-vars-click-url="https://www.premiersothebysrealty.com/condo-townhouse/mfr/t3364100/800-bayway-boulevard-22-clearwater-fl-33767" data-vars-content-id="fab4c07d-0aec-4626-82a6-5ebd205949cc" data-vars-headline="Tiny waterfront condo in Clearwater asks $495K" data-vars-event-category="story" data-vars-sub-category="story" data-vars-item="in_content_link" href="https://www.premiersothebysrealty.com/condo-townhouse/mfr/t3364100/800-bayway-boulevard-22-clearwater-fl-33767" target="_blank">800 Bayway Blvd.</a> was put on the market for $525K last spring and the asking price has dropped $30K since.

Brianna Crane

Stories

How parental leave policies at Tampa's biggest employers compare

Tiny waterfront condo in Clearwater asks $495K

How parental leave policies at Denver's biggest employers compare

Modern waterfront home in St. Pete asks $2.4M

Salt Lake City housing prices have cooled down

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👀 Chef Bianco's biz advice