https://joaotfernandes.com/essays/ Free writing on insurance, startups, agency, and whatever else earns the keystrokes. en https://joaotfernandes.com/essays/insurance-by-the-minute/ https://joaotfernandes.com/essays/insurance-by-the-minute/ Sun, 12 Jul 2026 09:00:00 GMT Why annual policies make no sense for people who work in tasks. https://joaotfernandes.com/essays/notes-from-two-exits/ https://joaotfernandes.com/essays/notes-from-two-exits/ Sun, 12 Jul 2026 09:00:00 GMT What selling two companies taught me about building the third.