Should the union, which represents the 11,500 writers of major entertainment properties, fail to reach a deal with the Alliance of Motion Picture and Television Producers (AMPTP) by 11:59 p.m. ET Monday, its members are expected to go on strike, largely shutting down Hollywood for an undetermined amount of time.

The effects of the strike would be almost immediately apparent to viewers of late-night shows, including Saturday Night Live and The Daily Show.

Writers have only gone on strike one other time in the past 40 years, starting in late 2007. That work stoppage lasted 14 weeks. (A strike was averted in 2017.)

Streaming is at the heart of the current negotiations, which began on March 20. Writers say the rules that studios, streaming services and networks are using when determining compensation for those shows results in them being underpaid. The WGA is seeking a number of changes to current agreements, including increasing minimum compensation levels, as well as standardized compensation and residuals.

What it means for viewers

Should a strike occur, there wont be a risk to the current season on TV. Season finales have already been filmedthough if it drags on, it could delay the fall season. Studios, meanwhile, have a backlog of films that should mean consumers dont see a slow summer movie season either.

Netflix, at least, doesnt expect there to be a short-term programming gap, with co-CEO Ted Sarandos noting on an earnings call last month We have a large base of upcoming shows and films from around the world.

Neither the WGA nor AMPTP, which represents movie, television and streaming studios, issued any public statements on Monday as the deadline approached. On Saturday, though, the WGA announced the strike rules that would go into effect should work stop. And SAG-AFTRA, which represents actors, has said it stands in solidarity with the writers.

Reality TV, which exploded during the last writers strike, would not be affected by any possible work action and could spread even wider, as networks look to fill air time with something beyond reruns.

AMPTP, in an earlier statement to Fortune, said: Our goal is, and continues to be, to reach a fair and reasonable agreement. An agreement is only possible if the Guild is committed to turning its focus to serious bargaining by engaging in full discussions of the issues with the Companies and searching for reasonable compromises.

Officials announced Monday that they closed San Francisco-based First Republic Bank, making it the third U.S. bank to collapse in the past two months. Most of First Republics assets are being acquired by JPMorgan.

First Republic had wealthy clients who rarely defaulted on their loans. But the vast majority of deposits were above the $250,000 limit set by the FDIC, meaning they were uninsured. And that worried analysts and investors who were worried that if First Republic were to fail, its customers might not get all their money back.

Silicon Valley Bank and Signature Bank, which catered mostly to the tech industry, both collapsed in March under similar circumstances.

The First Republic deal announced Monday means customers will be able to access all of their money, according to the Federal Deposit Insurance Corporation. First Republic branches will change to JPMorgan Chase branches and First Republic customers will become JPMorgan Chase customers.

Heres what you need to know:

Is my money safe?

Yes, if your money is in a U.S. bank insured by the Federal Deposit Insurance Corp. and you have less than $250,000 there. If the bank fails, youll get your money back.

Nearly all banks are FDIC insured. You can look for the FDIC logo at bank teller windows or on the entrance to your bank branch.

Credit unions are insured by the National Credit Union Administration.

If you have over $250,000 in individual accounts at one bank, which most people dont, the amount over $250,000 is considered uninsured and experts recommend that you move the remainder of your money to a different financial institution, said Caleb Silver, editor in chief of Investopedia, a financial media website.

If you have multiple individual accounts at the same bank, for example a savings account and certificate of deposit, those are added together and the total is insured up to $250,000. (Read on for more about how joint accounts are protected.)

Federal officials have been taking steps to make sure other banks arent impacted.

You shouldnt be too concerned about your money if its in one of the bigger banks, and even in some of the regional banks and the credit unions, Silver said.

Are there red flags that I should look for with my bank?

If you are worried about your bank closing in the near future, there are some things you can watch out for, according to Silver:

Watch the stock price.

Keep an eye on the quarterly and annual reports from your bank.

Start a Google alert for your bank in case there are news stories about it.

You want to make sure you pay close attention to the way your bank is behaving, Silver said.

If theyre trying to raise money through a share offering or if theyre trying to sell more stock, they might have trouble on their balance sheet, said Silver.

Public companies, including banks, do sell shares or issue new ones for various reasons, so context matters. First Republic did so this year when the hazards it faced were well known, and it kicked off an exodus of investors and depositors.

Should I look for alternatives?

If you have more than $250,000 in your bank, there are a few things you can do:

Open a joint account

You can protect up to $500,000 by opening a joint account with someone else, such as your spouse, said Greg McBride, chief financial analyst at Bankrate, a financial services company.

A married couple can easily protect a million dollars at the same bank by each having an individual account and together having a joint account, McBride said.

Move to another financial institution

Moving your money to other financial institutions and having up to $250,000 in each account will ensure that your money is insured by the FDIC, McBride said.

Do not withdraw cash

Despite the recent uncertainty, experts dont recommend withdrawing cash from your account. Keeping your money in financial institutions rather than in your home is safer, especially when the amount is insured.

Its not a time to pull your money out of the bank, Silver said.

Even people with uninsured deposits usually get nearly all of their money back.

It takes time, but generally all depositors both insured and uninsured get their money back, said Todd Phillips, a consultant and former attorney at the FDIC. Uninsured depositors may have to wait some time, and may have to take haircut where they lose 10 to 15% of their savings, but its never zero.

How long does it take for insured money to be available if a bank fails?

Historically, the FDIC says it has returned insured deposits within a few days of a bank closing. The FDIC will either provide that amount in a new account at another insured bank or issue a check.

How much money can be insured in joint accounts?

If you have a joint account, the FDIC covers each individual up to $250,000. You can have both joint and single accounts at the same bank and be insured for each.

So if a couple each has individual accounts and a joint account where they have equal withdrawal rights, they can each have up to $250,000 insured in their single accounts and up to $250,000 in their joint accounts. That means each of them will have up to $500,000 insured.

What about other investments?

Customers should take a close look at the types of investments they have in their bank to know how much of their assets are insured by the FDIC. The FDIC offers an Electronic Deposit Insurance Estimator, a tool to know how much of your money is insured per financial institution.

FDIC deposit insurance covers:

Checking accounts Negotiable Order of Withdrawal (NOW) accounts Savings accounts Money Market Deposit Accounts (MMDAs) Certificates of Deposit (CDs) Cashiers checks Money orders Other official items issued by an insured bank

FDIC deposit insurance doesnt cover:

Stock investments Bond investments Mutual funds Life insurance policies Annuities Municipal securities Safe deposit boxes or their contents U.S. Treasury bills, bonds, or notes Crypto assets

How does a credit union compare to a bank?

Both credit unions and banks allow customers to open savings and checking accounts, among other financial products.

The key difference is that credit unions are not-for-profit institutions, which tends to translate into lower fees and lower balance requirements, while banks are for-profit. Sometimes it also means that its easier for credit union customers to be approved for loans, McBride said.

Usually, customers are allowed to join credit unions based on where they live or work.

Credit unions serve a smaller number of customers, which also allows for a more personalized experience. The tradeoff is that banks tend to have larger staff, more physical branches and newer technology.

When it comes to the safety of customers money, both banks and credit unions insure up to $250,000 per individual customer. While banks are insured by the FDIC, credit unions are insured by the NCUA.

Whether at a bank or a credit union, your money is safe. Theres no need to worry about the safety or access to your money, McBride said.

The findings, revealed in documents obtained by The Associated Press, are a warning to hospitals around the country as they struggle to reconcile dozens of new state laws that ban or severely restrict abortion with a federal mandate for doctors to provide abortions when a womans health is at risk. The competing edicts have been rolled out since the Supreme Court overturned the constitutional right to an abortion last year.

But federal law, which requires doctors to treat patients in emergency situations, trumps those state laws, the nations top health official said in a statement.

Fortunately, this patient survived. But she never should have gone through the terrifying ordeal she experienced in the first place, Health and Human Services Secretary Xavier Becerra said. We want her, and every patient out there like her, to know that we will do everything we can to protect their lives and health, and to investigate and enforce the law to the fullest extent of our legal authority, in accordance with orders from the courts.

The federal agencys investigation centers on two hospitals Freeman Health System in Joplin, Missouri, and University of Kansas Hospital in Kansas City, Kansas that in August refused to provide an abortion to a Missouri woman whose water broke early at 17 weeks of pregnancy. Doctors at both hospitals told Mylissa Farmer that her fetus would not survive, that her amniotic fluid had emptied and that she was at risk for serious infection or losing her uterus, but they would not terminate the pregnancy because a fetal heartbeat was still detectable.

Ultimately, Farmer had to travel to an abortion clinic in Illinois.

It was dehumanizing. It was terrifying. It was horrible not to get the care to save your life, Farmer, who lives in Joplin, said of her experience. I felt like I was responsible to do something, to say something, to not have this happen again to another woman. It was bad enough to be so powerless.

Farmers complaints launched the first investigations that the Centers for Medicare & Medicaid Services, or CMS, has publicly acknowledged since Roe v. Wade was overturned last year. Across the country, women have reported being turned away from hospitals for abortions, despite doctors telling them that this puts them at further risk for infection or even death.

President Joe Bidens administration has prodded hospitals not to turn away patients in those situations, even when state law forbids abortions. Weeks after the Supreme Courts ruling, the Democratic administration reminded hospitals that federal law requires them to offer an abortion when a pregnant woman is at risk for an emergency medical condition. The federal government can investigate hospitals that receive Medicare and Medicaid money which encompasses most facilities in the U.S. for violations of the law.

CMS has not announced any fines or other penalties against the two hospitals in its investigation, but it did send them notices warning that they were in violation of the law and asking them to correct the problems that led to Farmer being turned away. Federal Medicare investigators will follow up with the hospitals before closing the case.

Abortions are largely banned in Missouri, but there are exceptions for medical emergencies. In Kansas, when Farmer visited the hospital, abortions were still legal up to 22 weeks. Its unclear why University of Kansas Health refused to offer Farmer one. Neither hospital responded immediately to a request for comment on the case.

Nationwide, doctors have reported uncertainty around how to provide care to pregnant women, especially in the nearly 20 states where new laws have banned or limited the care. Doctors face criminal and civil penalties in some states for aborting a pregnancy.

But in a letter sent Monday to hospital and doctors associations that highlights the investigations, Becerra said he hopes the investigations clarify that the organizations must follow the federal law, the Emergency Medical Treatment and Labor Act, or EMTALA.

While many state laws have recently changed, Becerra wrote, its important to know that the federal EMTALA requirements have not changed, and continue to require that health care professionals offer treatment, including abortion care, that the provider reasonably determines is necessary to stabilize the patients emergency medical condition.

At the age of 15, my world was forever changed abruptly when I found myself displaced and living as a refugee. Coming from a small town halfway around the world, this new experience filled me with apprehension. Uncertainty and having to relearn everything became integral parts of my life day in and day out, for years on end.

In a similar way, millions of people are being displaced today due to the pervasiveness of geopolitical instability and war in certain parts of the world. From their stories of hardship, we can appreciate the importance of overcoming adversity and cultivating resilience. The trepidation of the unfamiliar, the sensation of the unpredictable, and having to restartthese sentiments are all too recognizable for refugees as well as everyone else during times of great change. But there is always room for hope and a chance to turn something difficult into something remarkable. Here are three essential mental models that I learned as a refugee that can help you achieve success even in times of turbulence.

Reframe the narrative

Refugees exemplify that tragedy may not be eluded, yet strength is sourced from resilience and adaptation. By accepting change openly, many refugees remain steadfast despite enormous obstacles. In fact, according to a report by the Center for Global Development, refugees in the U.S. are more likely to find employment compared to other immigrants in the country or even native workers, eventually earning 20% more than their counterparts on average.

Refugees showcase a higher propensity for entrepreneurial pursuits than other immigrants and native-born citizens, with 14% of refugees eventually owning businesses compared with 11.5% of other immigrants and 9% of U.S.-born workers.

Similarly, we must look at disruption as an impetus for growth, rather than a hindrance in times of hardship. Dont just try to survive disruptionthrive in it. The key here is to go on the offense instead of just playing defense. From entering a new market or launching a game-changing product to partnering with a competitor or breaking into an untapped customer basedisruption gives you momentum to transform for the better. Dissatisfaction with the status quo can be a powerful motivator for envisioning and creating a better future.

Cultivate a novice mindset

Refugees often arrive in their new homes with no knowledge of the local customs or language with limited to no resources. The Center for Immigration Studies estimates that approximately 72% of refugees who come to America are unable to communicate in English upon their arrival.

The key to survival becomes a mental one: embracing a novice mindset. By being open to learning new skills, reimagining whats possible, and adapting quickly, newcomers start over and build successful lives in their new homes. It takes fortitude to rise above the status quo in times of immense transformation, yet this is the kind of shift in mindset that is needed to push organizations toward unprecedented success during disruptive periods.

The key is to embrace a culture of continuous learning and maintain a novice mentality at scale. Korn Ferry defines culture as ways of working or behavior at scale. Korn Ferry data shows that two-thirds of top executives at the Worlds Most Admired companies attribute 30% or more of their organizations market value to culture. Building ways of working that encourage exploration, experimentation, and inquiry and create a safe space to challenge long-held assumptions can lead to the discovery of new opportunities.

Build your community

Refugees often have to rely on their new communities and other refugees for survival. Through collective action, they can pool resources, offer emotional support, and build trusting networks with one another. Its a model of resilience that all organizations should strive to mirror, particularly when faced with great volatility.

People make or break any organization. Its not just about having the right staff with the necessary skills and abilitiesits about cultivating a culture of community, belonging, and purpose. People need to feel connected to each other and feel that their contribution matters for the group to succeed.

Having a great organizational strategy is all well and good, but unless you have the culture to back it up, its just fancy words on paper. Think of your culture as an engineand people as the fuel that drives everything else forward. Without them, theres no spark or fire. Thats why investing in your teams well-being and development is so important. Korn Ferrys research on the future of work has revealed that every dollar spent on employee wellness delivers a six-to-one return on investment. Investing in your people and culture is the only way to make sure that your strategy is meaningful and successful. In fact, a Stanford University Graduate School of Business study shows that businesses that over-reduced their workforce in the early phases of COVID experienced higher numbers of voluntary resignations later on. Reciprocity is a time-honored tradition within any community, including a business. The same is true for organizational culture: You reap what you sow.

Refugees are often viewed as persecuted people, true as that may be, we also possess a drive to succeed that is born out of necessity. By reframing the narrative, embracing a beginners outlook, and building communities, many refugees thrive even in the most trying times. This same resilient spirit can empower anyone through difficult conditions and propel them toward success.

Sherzod Odilov is an associate client partner in Korn Ferrys Culture, Change, and Communications practice.

The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.

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