Anyone who drives a car understands the sting of having to fill up their tank and pulling into the gas station, only to discover that gas prices have skyrocketed. Paying extra for gas means you have less to spend on other things, which, over time, can really put a crimp in your budget.

Cheap Insurance explored some of the reasons behind major changes in gas prices, and compiled a list of the cheapest gas stations in Las Vegas using data from Gas Buddy.

Gas prices fluctuate based on several factors, including the cost of the key ingredient, crude oil, as well as the available supply and demand for gasoline. If the price of oil rises, a major refinery goes offline, or more drivers are hitting the road, for example, then the cost will increase.

In the first half of 2022, a unique confluence of events led to a surge in gas prices. The increased demand stemming from the COVID-19 pandemic, Russia’s invasion of Ukraine, and a slowdown in oil production all contributed to a national all-time high of $4.93 per gallon on average in June 2022.

Seasons also affect gas prices. Demand tends to drop in winter, but the cost also falls because gas stations switch to a different blend of gasoline that’s optimal for lower temperatures—and has cheaper ingredients.

Location also matters. The South and Midwest tend to have the lowest gas prices, while the West, including Hawai’i, has the highest. Californians, in particular, pay more for gas on average than any other state. That’s because of its high state excise taxes; its isolation from the country’s major pipelines, which causes supply issues; and its requirements that mandate a more environmentally friendly blend of gas that costs more to produce and adds to the price per gallon.

No matter where you live, read on to see if you can get a deal on gas near you.

#1. Sam’s Club

– Address: 2658 E Craig Rd, North Las Vegas, NV

– Price: $3.04

#2. Costco

– Address: 222 S Martin Luther King Blvd, Las Vegas, NV

– Price: $3.09

#3. Sam’s Club

– Address: 8080 W Tropical Pkwy, Las Vegas, NV

– Price: $3.11

#4. Murphy Express

– Address: 6009 West Craig Rd, Las Vegas, NV

– Price: $3.14

#4. Murphy Express (tie)

– Address: 3742 W. Ann Rd, North Las Vegas, NV

– Price: $3.14

#4. Murphy Express (tie)

– Address: 1970 W Craig Rd, North Las Vegas, NV

– Price: $3.14

#4. Murphy Express (tie)

– Address: 6035 Losee Rd, North Las Vegas, NV

– Price: $3.14

#4. Costco (tie)

– Address: 6555 N Decatur Blvd, Las Vegas, NV

– Price: $3.14

#9. ARCO

– Address: 7212 S Jones Blvd, Las Vegas, NV

– Price: $3.15

#10. VP Racing Fuels

– Address: 4747 N Rancho Dr, Las Vegas, NV

– Price: $3.24

This story was produced by CheapInsurance.com and reviewed and distributed by Stacker.

Martin Lewis has issued a key state pension update during his Budget special on Thursday, 27 November.

The state pension will rise by 4.8% in April 2026, meaning that the new state pension will increase to £12,547.60 a year — just below the frozen personal allowance tax threshold at £12,570.

The MoneySavingExpert quizzed Rachel Reeves, putting a question to her from a viewer who asked whether her 85-year-old father living with dementia would have to complete a tax return as his state pension will take him over the personal allowance.

“If you just have a state pension… We are not going to make you fill in a tax return of any type… In this parliament, they won’t have to pay the tax,” the chancellor said.

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By Dr. Robert Straw, CEO Zurich Campus, China Europe International Business School

In an era marked by volatility, uncertainty, complexity and ambiguity (VUCA), the effectiveness of a corporate board depends not only on the technical depth of its members but also on the breadth of their strategic and leadership capabilities. This article argues for recalibrating board composition, particularly in global corporations. It contends that the trend of appointing domain-specific experts to the board—a model likened here to a “Noah’s Ark” of paired expertise—is increasingly ineffective. Instead, the most resilient and high-functioning boards are those led by generalist leaders: former chief executive officers (CEOs), senior executives and operational general managers with track records of strategic oversight and people leadership. I propose a hybrid model that favors generalist board composition, supplemented by specialist consultants as needed, thus maintaining the board’s strategic integrity while ensuring subject-matter rigor.

1. The “Noah’s Ark” problem in boardrooms

Across many global boardrooms today, a familiar pattern has taken hold—a structure that mirrors the Biblical Noah’s Ark. For every critical domain, boards are stacked two by two: two cybersecurity experts, two marketing authorities, two finance veterans, two talent gurus, et cetera. The intent is risk mitigation and representation, ensuring every discipline has a voice. Yet this Noah’s Ark strategy, while symbolically complete, is strategically flawed.

Rather than charting a bold course, these boards often resemble floating zoos of expertise, in which directors are isolated by often outdated specialties and are overly deferential to their functional peers. As each pair narrows its focus to its specific discipline, the board risks losing the cross-functional integration and strategic oversight essential to corporate governance. This leads to fragmented accountability, outdated expertise and authority bias—quite often to the advantage of and/or burden on the chairperson.

Roberta Sydney explicitly critiqued this model. “Generalists—rather than specialists—make for great board directors…to be better prepared to govern in times of uncertainty.” The problem is not that specialists lack value; it’s that the permanence of their board seats can create intellectual silos and stagnation.

The academic literature supports this observation. Yaron Nili and Roy Shapira noted in the Yale Journal on Regulation that appointing specialists may, in fact, reduce the diversity and quality of strategic debate. “Authority bias leads to suppression of diverse viewpoints,” they argued, “particularly when the specialist has been recruited under the premise of exclusivity of knowledge.”

The alternative is to rethink the ark: not as a static collection of experts, but as a vessel guided by navigators—generalist leaders who can synthesize, question and direct. These are individuals who have operated companies, not just departments; who have balanced growth and risk, not just analyzed it; who bring perspective, not just credentials.

In this article, I argue that the future of corporate governance lies not in Noah’s Ark duplication of expertise, but in empowering generalist captains who can integrate functional insights and steer with strategic clarity. Functional experts should remain part of the picture—as consultants, advisory panelists or rotating guest participants—but not permanent fixtures at the helm.

2. The limitations of specialist-dominated boards

2.1 Obsolescence of expertise

Expertise, particularly in rapidly evolving fields such as cybersecurity or digital marketing, has a half-life. A director whose reputation is grounded in achievements from a decade ago may no longer be equipped to handle contemporary challenges in that domain. As Sydney remarked, “Expertise earned in the past can easily become obsolete when not continually tested in real-time environments.”

Nili and Shapira found that directors labeled as specialists often experienced a depreciation of influence over time, especially when their technical knowledge failed to align with emerging trends or technologies. In effect, these directors may inadvertently become liabilities rather than assets.

2.2 Authority bias and groupthink

When boards rely heavily on domain specialists, they risk developing a cognitive dependency on those individuals, leading to authority bias. This creates a boardroom dynamic in which certain directors dominate conversations in their areas of specialized expertise, while other members hesitate to challenge or question their contributions.

As Nili and Shapira noted, “Authority bias leads to suppression of diverse viewpoints, particularly when the specialist has been recruited under the premise of exclusivity of knowledge.”

This contributes to groupthink, which may hinder the board’s ability to critically evaluate, discuss and challenge strategic decisions from a multi-dimensional perspective.

2.3 Fragmented oversight and responsibility silos

A board composed of function-specific experts risks devolving into a confederation of silos. Each director may focus narrowly on his or her area, resulting in an aggregation of perspectives rather than an integrated strategic vision. This is antithetical to the board’s purpose, which is to provide overarching governance and align on long-term value creation.

Moreover, these silos can lead to poor communication and accountability. For example, cybersecurity may be deemed “handled” because a former chief information security officer (CISO) is on the board, but this individual may not be aligned with current best practices or may fail to integrate the issue into a broader risk framework.

2.4 Firms exemplifying the Noah’s Ark-like board composition

According to my framework evaluation, the following companies have (had) boards predominantly composed of domain-specific experts, which may lead to fragmented oversight and a lack of cohesive strategic direction:

1. Credit Suisse Group AG
   • Prior to its acquisition by UBS in 2023, Credit Suisse’s board was heavily populated with specialists in risk management, compliance and technology.
   • The lack of generalist leadership contributed to challenges in strategic oversight and cohesive decision-making. We all know what happened here.
2. Synopsys Inc.
   • The board includes individuals with deep expertise in software, semiconductors and related technical fields.
   • While this brings valuable insights, in my view, the board lacks a sufficient number of generalist leaders with broad operational experience.
3. Ansys Inc.
   • Ansys’s board comprises individuals with substantial experience in the engineering and technology sectors.
   • The composition leans heavily towards technical expertise, potentially limiting broader strategic perspectives.
4. Dell Technologies
   • The board is composed of members with extensive backgrounds in technology and engineering.
   • This concentration of technical expertise may result in a narrower focus on operational and strategic issues.
5. NVIDIA Corporation
   • NVIDIA’s board includes several members with strong technical backgrounds in graphics processing and computing.
   • While beneficial for product development, this may limit diverse strategic viewpoints at the board level.

3. The strategic value of generalist leadership

3.1 Systems thinking and integration

General managers bring a systems-oriented perspective, honed by years of operational leadership, cross-functional collaboration and enterprise accountability. Unlike specialists, they are not confined by functional dogma and are more adept at evaluating trade-offs, interdependencies and strategic timing.

Generalists also tend to excel in scenario planning, a crucial skill in the VUCA landscape. Their exposures to multiple business cycles, regulatory environments and stakeholder contexts equip them to contextualize issues that transcend functional boundaries.

3.2 Leadership and people-management acumen

Boards are not merely technical advisory bodies; they are fiduciary stewards responsible for setting the tone, culture and long-term direction. As such, directors need more than technical knowledge—they require leadership. Generalists who have led large teams and managed significant P&Ls (profits and losses) bring firsthand knowledge of how strategic decisions impact people, performance and profit.

As Roberta Sydney put it, “Great board members are not those with the narrowest expertise but those with the broadest capacity to lead, challenge, and support from a holistic standpoint.”

3.3 Enhanced strategic dialogue and decision-making

Strategic oversight requires directors to ask the right questions, not just provide the right answers. Generalists, with their cross-functional experience, are often better positioned to identify gaps in strategy and explore unintended consequences. They can bridge specialists’ knowledge without becoming trapped in it.

The National Association of Corporate Directors (NACD) has emphasized that effective boards engage in strategic conversations that go beyond operational details. This necessitates board members who can traverse diverse domains and synthesize insights.

3.4 Seven global firms with best-in-class generalist boards

Here are seven “best-in-class” global firms with board compositions that reflect their strong commitments to generalist leadership, strategic breadth and cross-functional oversight. These boards embody the antithesis of the Noah’s Ark model by prioritizing operational experience, enterprise leadership and integrative thinking over siloed technical specialization.

1. Best Buy Co., Inc.

• Why it stands out: Includes seasoned CEOs (Corie Barry, Hubert Joly) and chief financial officers (CFOs) (Karen McLoughlin), blending operational, digital and financial acumen.
• Governance strength: The board is involved in long-range planning and organizational culture, not just functional compliance.

2. Nestlé S.A.

• Why it stands out: Features former CEOs (Paul Bulcke), global executives and experts in nutrition, marketing and ESG (environmental, social and governance).
• Governance strength: Diversity of leadership backgrounds contributes to long-term strategic alignment across global markets. P.S.: There’s not a single Swiss on the board, although it is Swiss-based.

3. Microsoft Corporation

• Why it stands out: Strong mix of tech innovators (Satya Nadella, Reid Hoffman), policy leaders (Penny Pritzker) and investors (Hugh Johnston).
• Governance strength: The board’s composition enables foresight in innovation and adaptability to policy and market shifts.

4. Unilever PLC

• Why it stands out: Board members have held leadership positions across consumer goods, sustainability and emerging markets.
• Governance strength: Emphasizes a purpose-driven strategy with operational execution.

5. Procter & Gamble Co.

• Why it stands out: Broad operational experience across marketing, international business and corporate strategy.
• Governance strength: The board is known for supporting long-term innovation while managing scale and complexity globally.

6. ABB Ltd.

• Why it stands out: Chaired by Peter Voser (former Shell CEO) with board members including industrial CEOs, CFOs and operational leaders (e.g., Atlas Copco, Caterpillar Inc.).
• Governance strength: Industrial and engineering complexity is matched by real-world general-management experience across sectors and geographies.

7. UBS Group AG

• Why it stands out: Although historically more specialized, the current board reflects a shift towards generalist leadership: banking CEOs (Gail Kelly), macroeconomists (William Dudley), policy advisors and digital leaders. This board has learned from the Credit Suisse debacle, ensuring that it moves towards a more generalist approach.
• Governance strength: Increasing emphasis on governance, geopolitical awareness and technology strategy with global integration.

4. The hybrid model: Generalists with consultative experts

A growing number of governance experts advocate a hybrid model in which boards are composed primarily of generalist leaders while subject-matter experts are brought in on an ad hoc or consultative basis. This model preserves the board’s strategic bandwidth while still incorporating the latest expertise in fast-moving domains.

The Harvard Law School Forum on Corporate Governance wrote, “Adding a director with a narrow range of expertise may reduce the quality of board discussions on other, more prevalent topics on the agenda. A better approach is to access specialist knowledge via external advisors or advisory boards.”

This approach is not merely theoretical. Many high-performing boards have established external advisory panels or rotate in technical experts for specific strategic reviews or quarterly deep dives. These consultants provide real-time insights without permanently altering the board’s structure or diluting its strategic cohesion.

5. Global governance implications

Global organizations require directors who understand international markets, regulatory systems and geopolitical dynamics. Generalists who have managed operations in multiple regions bring nuanced perspectives that specialists often lack. Their broader worldview is essential in aligning global strategy with local execution.

General managers are more likely to bring experience from multiple sectors, enabling boards to cross-pollinate ideas and practices. In contrast, specialists often have deep but narrow experiences, which can limit innovation or relevance across different contexts.

Generalists tend to be better crisis managers. Having led through downturns, restructurings and transformations, they are equipped to make swift, principled decisions under pressure. Their presence on the board strengthens institutional resilience.

6. Recommendations for board-composition policy

• Prioritize leadership track records in board recruitment.

Search committees and nominating boards should place greater emphasis on operational-leadership experience rather than on recent technical expertise. Candidates should be evaluated on their ability to synthesize, challenge constructively and lead across functions.

• Establish standing advisory councils.

Rather than embedding all needed expertise within the board, organizations should institutionalize external advisory councils composed of domain experts who can be called upon for in-depth consultations.

• Conduct regular composition audits.

Boards should assess their composition annually to ensure alignment with strategic needs, not just with compliance checklists. This includes identifying whether a board has become too narrow in its functional expertise and whether it retains integrative thinkers.

• Educate about governance over expertise.

Board-onboarding programs should stress fiduciary responsibility, enterprise leadership and strategic oversight rather than domain mastery. General governance capabilities should be cultivated and prioritized.

Conclusion

The composition of a board is one of the most powerful levers for corporate performance. In a globalized, fast-changing environment, boards must be able to operate above the fray of specialist silos. The evidence increasingly supports a model that privileges generalist leadership, enriched by specialist insight when needed but not dominated by it.

Don’t fill the ark—staff the bridge: Boards need navigators, not more passengers.

By adopting a generalist-first philosophy in board appointments, global corporations can foster more integrated thinking, sharper strategic oversight and greater institutional resilience. The Noah’s Ark model of expert duplication is outdated; what boards need today are strategic navigators who can steer through complexity—not passengers who specialize in reading one part of the map.