Macrophages are important immune cells that are involved in the foreign body reaction after biomaterial implantation. They are able to recognize and engulf foreign material, as well as initiate the inflammatory process. Physicochemical cues on the biomaterial surface can influence the behavior of macrophages, such as adherence and fusion into giant cells. Understanding these interactions can help us develop new biomaterials that elicit a favorable immune response and perform for their intended applications. This article was authored by Sishan Sheikh, Patricia J. Brooks, Borya Barzaleh, and others.


Hello, everyone, and welcome to the October 2023 Hyperledger Financial Markets Mortgage Subgroup Meeting. That's always a mouthful. Hopefully everyone was able to join. I think there were some problems with an alternate link, but hopefully we'll be able to get those resolved. Before we do get started, as always, I'd like to express our appreciation to the Financial Markets Special Industry Group and the Hyperledger Foundation for making this meeting possible and providing their ongoing support. As always, please note that this meeting is being recorded and it's under the umbrella of the Hyperledger Foundation, so we ask that everyone abide by the antitrust policy that we're sharing on the screen and the Code of Conduct. Briefly, the antitrust policy states that we avoid discussions of company-specific pricing products and projects. We don't make negative remarks about other companies or products, and the Code of Conduct states that we treat each other with respect, never discriminate, and communicate constructively. We fully support Hyperledger's policy of openness, equity, and inclusion, and for any new participants, we welcome you, and if you'd like, please introduce yourself in the chat and let us know if there's any specific areas of interest. So again, everyone is welcome. Here's our agenda for today. We've gone through the introduction portion as part of our usual PSA for the Hyperledger community. We'll go over Hyperledger's new blockchain certification. I think that's real interesting. James Hendrick will provide an update on the developments in the mortgage industry. Then we'll do a deep dive on Ms. Moe's blockchain and the mortgage industry article. Lastly, I'll do a brief plug for my talk at the October 15th Ideas Conference, and then we'll briefly go over our survey. We always cover this slide at the beginning of each meeting, and this is to reinforce that we're all on the same blockchain journey, but we just may be at different points along that path. This group is meant to help everyone on their blockchain journey and to demonstrate the feasibility of blockchain technology through mortgage industry use cases, define potential implementation paths, and just as a means of educating people within the mortgage industry and ancillary industry. So the next couple of slides, I always mention for those that are new to the group and would like more information. This slide provides links to different resources for the Linux Foundation, the mortgage subgroup Wiki is the second one from the bottom. I highly encourage you to go to that and it contains our meeting notes for our groups, recordings from previous sessions, and the curated articles about the mortgage industry. So that's I think a really good resource. In order to access those resources, you will need an LFID. I'm not going to go over this slide, but we just want to let you know this is how you get an LFID. Lastly, this is just links to our blockchain training. All of the information on this slide is free and I highly encourage you if you are new to blockchain avail yourself of this information. It's really fantastic in one of the ways I got up to speed on Hyperledger and Blockchain. Now this slide, this is new information Hyperledger has recently announced a blockchain certification, Hyperledger fabric certified practitioner. The certificate covers the fundamentals of blockchain, Hyperledger fabric, network, smart contracts and client applications. This certification is for IT professionals, full stack and DevOps engineers and software developers. And so if you have experience in smart contract development, including chain code lifestyle queries, ledger state manipulation, this is the type of certification for you. And it really dives on to the more technical aspects of Hyperledger. If you're more on the business side, unless you feel very comfortable technically, then you may want to get a different type of certification. But I wanted to mention this because I have taken a look at the exam because in order to get the certification, you do have to take an exam. That exam is $250. But I think it is a good badge and a good indicator of your level of technical expertise. Okay, so with that, James Hendrick will walk us through the state of blockchain in the global mortgage industry. Thank you, Marvin. Let's go ahead and move right in. So you know, the first article I wanted to talk about, this is coming out of Canada. So there's a Canadian blockchain payments processor called FCF Pay. And they've had a pretty big impact on the crypto adoption worldwide. Starting here in October, they've actually partnered with Chase Bank. Allowing Chase Bank customers to be able to pay credit card bills, loans, even their mortgage payments and their preferred cryptocurrency. They include Bitcoin, Ether, Shiba, XRP, Dogecoin, Stablecoins, quite a few different cryptocurrencies that they are supporting. Chase has become the second major bank in the last month to add cryptocurrency support for customers. So in September last month, FCF Pay made an arrangement with HSBC in order to do a similar payment plan. The list of American merchants currently accepting popular cryptocurrencies is actually exceeding 20,000 now according to FCF Pay. So anticipate we'll be seeing more and more of this. We've been talking over the last year about crypto mortgages, but it's really been more from the aspect of funding those crypto mortgages. And now you're starting to see more and more options become available just for making your payments. The next article, so blockchain technologies merits further exploration. So we actually talked about a Fannie Mae poll back in 2021. And this article actually starts off with that. In that Fannie Mae poll, they talked about how only around 25% of the respondents and they were interviewing CTOs, CEOs, were at least somewhat familiar with blockchain. And 68% of them had yet to consider using it within their organization. Well, as we've watched the mortgage industry production expenses that have definitely soared to a record high over the last couple of years, we're roughly around 13,000 per loan in the first quarter of 2023, according to MBA. MISMO estimates that blockchain's ability to serve as a single source of truth could reduce those closing times by 30% and cut costs by at least 25%. We're actually going to be talking a little bit about that in the presentation that's upcoming as we dive into that MISMO white paper from the other month. Sean Job, who's the vice president and head of business development at Informative Research, he also shares the MISMO community. He said the current, the group's current exploration phase is designed to identify ways for blockchain to help solve real world problems. They're looking at an industry that's heavily dependent. You've got the checker, the checkers will be talking about this as well. And the technologies have capabilities that come with blockchain directly meet these various needs that we have within the mortgage industry. Although blockchains yet to earn widespread adoption in the industry, there are some prime examples of successful integration. So we've talked about figure over the last couple of years, they've originated over $6 billion in HELOCs. They've actually partnered up with four major independent banks and they're working on 100% digital application process. And then last year, Redwood Trust is another example. They securitized $313 million in single family rental loans with blockchain provider liquid mortgage. So we've actually got articles relevant to each one of those available on our Wiki site. Let's move on to the next page. So coming out of mortgage business, this article is actually a summary of Mauro Casolini. He's a TEDx speaker and digital prevent or professional. He underscores how blockchain represents a shift away from the traditional centralized banking system towards a decentralized and more secure alternative. You know, in the mortgage industry, blockchain innovation promises accelerated data and funds transfer what we've been talking about for years now. This drive toward faster and more secure banking transactions aligns with the broader adoption of open banking by lenders. Recently, the Commonwealth Bank of Australia integrated open banking data into a supply online platform for brokers, enabling them to leverage data in the mortgage application process. Through the system, consumers can securely share their financial information with their mortgage broker, advisors, eliminating the need for insecure passwords, password sharing and the real estate industry in this Institute of Australia, the REIA in collaboration with the REINZ, which is the real estate Institute of New Zealand. They are actually focusing on a white paper of how distributed ledger technology can revolutionize the home buying process in Australia. Additionally, blockchain can facilitate new markets where lenders can secure loans against collateralized assets, including cryptocurrencies. And Marvin, let's go ahead and move on to the last article. So secured automated lending technology or SALT was founded in 2016 by a group of Bitcoin enthusiasts to offer crypto back lending. So while this article is not mortgage specific, SALT lending provides both personal and business loans. I did want to touch on it, because again, it talks about kind of these new and creative financing solutions that are coming out with the use of blockchain and cryptocurrencies. SALT loans allow borrowers to maintain ownership of their digital assets, while also gaining access to cash through the loan. So the article discusses how a SALT product works and the requirements to attain a loan. Since the collateral being used to secure a loan is a cryptocurrency, obviously it can fluctuate as the market price of the crypto markets change over time. In turn, your loan to value ratio can fluctuate because of that. If the value of the digital asset crashes in one of these SALT loans, so if the LTV reaches 90.91%, SALT converts the entire crypto portfolio into a US stablecoin. This is a process called automatic stabilization. Once the loan to value is less than or equal to 83.3%, the borrow can then re-enter the market by converting the stablecoin back into their original digital currency. So right now for these loans, again, they're not mortgage specific, but they do have loans that are available with 12 month, 36 month and 60 month terms. And the interest rates pretending on the term and the LTV can range anywhere from 0.95% all the way up to about 10%. So, you know, keep an eye on the finance world is definitely getting creative with different products utilizing crypto, but more importantly, creating products that utilize blockchain as their backbone. Marvin, moving on to the next slide. So for those of you that aren't familiar with our Wiki site, this is our hyper ledger Wiki site. Whoops, hold on one second, I just lost my presentation. There we go. For the mortgage indices subgroup, we've been doing these presentations roughly, I think next year's or next month is our two year anniversary. So you'll actually see over on the left hand side, there's links to all of our previous presentations. So both the PowerPoint deck as well as we record these sessions and they are published on our YouTube channel and hyper ledgers YouTube channel. But if you would like to, you know, directly access that are over there on the left in the upper right is information on the LFID that Marvin discussed earlier. Once you set up your LFID, it's free. You can go ahead and register with the mortgage industry subgroup. You'll start getting notifications as we're posting new articles as we have meeting events coming out, things of that nature. And then over on the right hand side, you'll actually see we've got links to all the articles that we've covered in the last couple months. And there is an archive link over on the far left. We have gathered roughly 200 250 articles over the last two years on both blockchain and AI that you do have access available to. And I believe all my actually drop the link into the chat for us. So feel free to grab that link and save it for yourself as a favorite. And moving on to the next slide. So yeah, I actually want to jump us right into our overview of the Mismo white paper that was recently produced. So we actually talked about this. It was one of the highlights I gave in my news updates, I believe in last month's meeting. But Mismo did produce a white paper in June of this year, talking about blockchain within the mortgage industry. Mismo's also created the Mismo's blockchain community or practice or COP. And they're trying to play a vital role in the standardization of guidelines for distributed ledger technology and increasing collaboration across the mortgage industry. That's one of the things that, you know, is the purpose of this group here is how can we collaborate? How can we share knowledge? How can we provide education and training benefits? Their white paper actually covers really three different areas, the potential efficiencies from using blockchain, the practical industry applications, an example of use cases, and then the keys to increasing adoption. We do have a link available to this white paper on our Wiki site. It's roughly an eight page site. It is available from the MBA Mismo site. If you're an MBA member or if you're a non MBA member, they do make it available for you as well. Marvin, let's go ahead and jump right into it. So, you know, the first things that they kind of talk about is the blockchain opportunities. So there there's a huge potential for efficiencies within the mortgage industry. So from ranging from streaming line, the streamlining the process of moving the mortgage from application to underwriting to e-closing to compliance. Throughout that entire process, you're going through multiple audits, multiple reconciliations, quality controls, pretty much every time the information, the documents are transferring from one hand to another. There's a whole other audit process that reoccurs. So blockchain has the potential to decrease these costs for originators, for servicers, for the investors, really any partners that are involved in the mortgage life cycle. These higher costs and transaction timelines can extend up to 40 days. And, you know, as we take a look at blockchain as MBA and Mismo are taking a look at blockchain, we've been talking about this for quite some time now. So, you know, with the immutability of the information, there is the potential, you know, it's a game changer. Only new blocks can be written. Everybody has access to the same source of truth. It provides a, you know, definitive certainty that the information that you're going to be looking at within each one of the blocks is reliable. It hasn't been modified. It increases tremendously the capabilities of data sharing. All of these things lend to the ability to reduce the overall loan manufacturing timelines by at least 30%, as well as the costs by 25% compared to that current industry average that we're talking right now of 13,000 alone. These digitally secured documents including income verification, credit reporting data, and asset valuation. They can be represented on one change sourced to the original validations. It minimizes automated, excuse me, minimizes audit and due diligence costs for quality reviews, as well as the reconciliation process costs across multiple entities seeking to verify the exact same data. So, the architecture of distributed technology can be both permission and permission based on the access and privacy requirements of these transactions. So, there is a lot of flexibility and customization. We've talked about both permission and permissionless blockchains previously, and there are definitely, you know, benefits to each one, depending on what you're looking to to accomplish. Marvin, why don't we go ahead and move on into the use case examples? Okay, I did want to interject, James. I think that the people at MISMO did a really good job of articulating what the benefits are of going to blockchain and then the opportunities in the use cases that they've articulated here, but one of the issues that I had with this article is it assumes that everyone, and this may be a misinterpretation of the article, it assumes that everyone would be on the same blockchain, because it really doesn't address interoperability of blockchains. So, if I were alone originator and I was using a single blockchain, and then I hand off my information to a servicer that's on a different blockchain, there can be an issue of maintaining that information across those blockchains. And unfortunately, I think that interoperability and different organizations advocating different blockchains is one of the things folding back the use of blockchain within our industry, and especially for the first two bullets on here actually, interoperability is an issue applicable to all three of the use cases that they've articulated. Yeah, you know what, that's a fantastic point, because in my review of the article as well, Marvin, I think they only really mentioned interoperability one time, and that was really when they were talking about, and we'll get to it at the end, that moving forward adoption, you know, of what are some of the challenges that need to be resolved, and you're right, I think that's the only place I heard about it in the entire article. Yeah, and I was taking a look at some announcements a couple days ago, so we all know that figure advocates the provenance blockchain, and they are the 800 pound gorilla within this niche, and recently there was a company that switched from hyperledger, hyperledger fabric for using electronic signature to figure provenance, so if a company in order to be able to work across the industry needs to switch blockchains, that's going to be a deterrence. I can't remember what that company's name is, but if I can dig it up while we're on this call, I'll definitely let you guys know, but just another point of interoperability continuing to be an issue. I know that this is the hyperledger mortgage subgroup, but James, I know you and I have always tried to be technology agnostic, blockchain agnostic, or platform agnostic, as long as it's a good solution for the industry, we've been open to it, and we have brought providers of different blockchain platforms into this form. So just going through the use cases, I think the improving efficiency and loan origination, this was one of the points that you'd brought up in one of the articles, James, and I thought it was really interesting because going to this point, there was a surge in loan origination costs to, I think it was $13,000. I know every time we bring up the increasing cost in loan origination, someone invariably raises the point that a significant portion of loan origination cost is due to the increasing cost of the underlying assets. So if your house, the house you're interested in purchasing, goes from $200,000 to $400,000, and loan origination is still $100,000, then it's going to go from, I think it's $10,000 to $200,000 in that case. My math is probably off, I can never do math in public, but you guys understand what I'm saying, that as the underlying cost of the real estate goes up, your origination cost invariably will go up. So the question that I'm trying to get to in a very convoluted and unclear way is how much of that origination cost is actually due to processing costs, not due to the increase in the cost of the underlying asset. If we could get that type of data, then I think companies can really start to drill down and see what they can do. Yeah, you know, I think you've got a really good point on that, Marvin. In the article, I think Mismo quotes 25% cost reduction, but they didn't actually provide any data or analytics in the white paper to support that. One of the other interesting things that I thought they pulled out well in loan origination, I hadn't really thought about this before, but in the whole loan file documents and digitally sealing them on a blockchain, it provides benefits to other areas, not just having that digital asset out there available, but for things such as rep and warrants. It reduces the risk that a lender must repurchase the loan because, you know, the guidelines were not met. The fact that you have the borrower signed acknowledgments, you know, assures, you know, all parties that, hey, if there's a dispute, this helps to mitigate the dispute, you know, identifying and whether it's court foreclosure or whatever, that the borrower, you know, was aware of the parameters of the loans. So I thought those were some, you know, great points that pulled out to relevant to loan origination. Yeah, and there was actually really interesting article earlier in the week that repurchases of loans was costing up to, and I think it was 60 basis points in the current market. So there's got to be a way, and I think you hit upon it, that blockchain can help offset the cost of those reps and warrants because if that information, if the information is in the blockchain, it hasn't changed. The loan originator can say, here we abided by all of the different requirements of the loan. They get a certain amount of protection and can potentially decrease the cost of those repurchases or potentially eliminate those repurchases all together. So yeah, definitely an opportunity for blockchain there as well. Okay, talking about enabling transparency within loan servicing, loan servicing continues to be one of the most significant issues within the mortgage industry. Reporting of loan performance data taking 45 to 60 days, and that's something that I know there are quite a few companies out there that have been working on making that information instantaneous or live. If you can access that data and turn around and produce a report on loan performance or changes or any of the loan servicing information and cut that down significantly, that would be a huge a huge benefit to loan servicers. So I know that there are several companies out there. We've had a couple of them that have been working on loan servicing plat applications on blockchain. I think one of the things we'll try and do maybe at the beginning of next year is finding out where those guys are at, what they're doing within the loan servicing areas. It relates to blockchain. And I know we've talked about how AI can help that as well. So I think that that's another huge opportunity. Yeah, you know, for me, Marvin, this one is a big category. So as you know, my background's been servicing over the last basically three decades. And I see huge potential for what blockchain can do in the servicing world, in particular, relevant to payments, investor reporting. Imagine being able to, you know, accept a payment from a customer, post it online to the blockchain and investors, investors same day could be getting real world reporting and tracking off that type of information. So there are definitely, you know, a lot of potentials that we can be using for out there. Unfortunately servicing has to be, has a tendency to be one of those areas that gets the least amount of attention. And so this is where I think it could dramatically have an impact in, you know, loan reconciliation, payment reconciliation, having that single source of truth that all interested parties are able to, you know, access and verify information off of. Yeah. And then the last use case that Ms. Mo mentioned, increasing trust and securitization, you already mentioned Redwood trust. That was one of the seminal articles, I think in blockchain where they identified 100 basis points improvement in the cost of securitization. So I think that that's something that people are still looking to. I haven't seen anything else from the team at Redwood Trust will figure about what they're doing to continue to improve upon securitization. It'd be great if we could get someone from either figure or liquid trust into this form and they can provide an update. I have reached out to some of them and they have mentioned that they're continuing to work, but they keep their information pretty close to their best. So some of the stuff they're working on is really, they feel not for public consumption. Hopefully that changes as they start to release some of their solutions and we can find out what they're doing and hopefully other people within the industry can take advantage of it or use it as a lead. I know that there are still several companies that are working on different types of securitization solution, not only as it relates to just loan origination mortgages, but securitization using blockchain for other types of debt instruments. This is I think something that will continue to see. We brought Intane NFT. This is one of the areas they're working on, not specifically within mortgage, but within other fixed debt instruments. And there are other companies out there. So there will continue to be activity in this and hopefully we'll be able to bring some of those guys, even if they're not mortgage related into this form to let you guys know what's going on. Yeah, I know that's great Marvin. Let's move into the next slide and kind of talk about, you know, moving forward. What are some of the key focus areas for the industry for, you know, MBA and MISMO. So we talked a little bit about interoperability earlier. That's a key thing. Marvin and I are, you know, both keep on our eyes on, you know, as we mentioned here in this forum, we are pretty much technology agnostic. We do support all forms of blockchain, but it's determining what is the, you know, right type of blockchain for the right type of use case solution that you're after. And in order to do that, companies are going to be building on different types of blockchain. So MISMO does want to play a part in this and establishing guidelines for blockchain interoperability. But I think there's still, you know, scratching the surface on that one education. That's really what this monthly presentation is about. It's all about, you know, getting information into your guys' hands as to what's going on in the industry. What are things to take a look at? You know, I mentioned the articles previously. Take a look at the Wiki. All of those articles have been curated really for professionals within the industry to be able to go to one source to, you know, access a ton of different information, particularly at this time of year as you're going through your, your budget planning for next year. This is a great time if you're looking to pull information together to take to the CTO, to the CEO, in order to justify your path going down that blockchain road that Marvin was showing earlier. Definitely take a look. There's great research in there. Feel free also to, you know, reach out to us directly. There's the technology architecture aspects developing partnerships and strategic alliances between organizations. The scalability of the platforms, that's one thing that, you know, is still kind of challenging people. What do you store on the blockchain? Do you store everything? Do you store key elements? So definitely different theories and plans that people are implementing relevant to scalability. Building a minimal viable ecosystem for loans, giving a way to evaluate learn the technology is to build a smaller scale ecosystem. And that's what you're seeing a lot of these companies do now. Business also working on an adoptions of standards and to give you some ideas of those they're looking at, you know, standards for loan origination systems for point of sale system, servicing platforms, automated underwriting systems in both the qualified and non-QM space, eRegistry, eVault. So they are looking to be a player within setting the standards for each of those industries, helping to collaborate with other industry groups, working with groups as a proven approach for collaboration. Then they're looking to build consensus across these organizations. And then, you know, regulatory and legislative issues. So this is one of the big things that's still out there. And we've been trying to provide updates as much as we can as we move along. The GSEs have been a little slow jumping on the blockchain foundation. I think it's Fannie and Freddie right now that have some work that's going on, but nobody has fully embraced it as of yet and come out with their formal guidelines. We do know that they're working on them. You know, plus we're looking for, you know, other governmental interactions and what regulatory impacts that those are going to have. So as they do become available, we'll be continuing to update this group and post additional articles. And then, Marvin, any, you know, comments or discussions on what else MISMO is doing? Well, I really do like this article from MISMO. And I'm going to go ahead and go to the next slide. I know James, you and I talked about whether or not we should do this slide. And the reason I wanted to include this is because I think MISMO can and should be doing more. They have a community of practice. They are the standard setting body in our industry, but in terms of really providing leadership as it relates to blockchain, I think they can do more. This is a great article, but it really only wets my appetite. And at the end, I'm left hanging. Okay, what else? We've been talking about blockchain within this form for about two years. But for MISMO to come out with this blockchain in the mortgage market, this blockchain in the mortgage industry article at the end of those two years and still not saying anything definitive to me is disappointing. I love the leadership that they provide. I know quite a few of the people at MISMO. They do great work, but come on guys, let's get out there and lead. So, okay, so now I'm going to get off my soapbox and we can go back to things, okay? No, I think you've got a great point there, Marvin. I know they've actively been trying to participate and be involved, but I too am kind of looking for them to help step up to the play. I'm looking for the GSEs to step up to the play. They have developed this community of practice that we mentioned earlier that's focused on standards development, adoption, education, things of that nature. They are focused on these industry standards that they're looking to create, but I would love to see them kind of become that front runner for establishing this, but I think it's still going to take some time. And as we know, I made that comment earlier about servicing not getting the attention. Well, in general, the mortgage industry has a tendency to lag behind the newer technologies that are coming out. Yeah, I think you're absolutely right. That attitude is somewhat endemic of our industry, but it'd be great for those guys to really provide leadership. And they need to manage the requirements of a very diverse audience. They are industry groups, so I can understand their hesitancy and the difficult situation that they're in. But yeah, I mean, lead guys, we're more than happy to help you guys lead or to follow your lead. So, okay. Next slide, here we go. Okay, as I mentioned at the beginning of this, I am speaking at the International Data Engineering and Science Association Ideas Global AI and Blockchain Conference that's being held this weekend. They're on Saturday. They're focusing on AI on Sunday. They're focusing on Blockchain. I'm speaking on the Blockchain section. So, Sunday, October 15th, my slot is at 11 a.m., but this conference goes from 9 to 3 a.m. I highly encourage you guys to attend. This is a live in-person presentation, so you guys would get to see me stumble over my words in person and hopefully not fall off the podium. But I did this last year. I thought it was a great venue. They did a really good job as some great speakers last year, especially from an entertainment perspective since it is being held in LA. They do have a really good panel, despite including me in that panel. I think it's a good panel of experts. So, I learned for you guys to attend. Okay, the next item, this I think the second to the last item on our agenda, we did release a survey a couple of months ago. So, that survey is still out there. We want to encourage everyone to participate in this survey. We are still looking for feedback, what type of issues you guys are interested in, what type of topics. James, what do you think? Should we click on the survey and just walk them through the survey questions? Yeah, why don't we go ahead and pull that up? And I think Alma just dropped in the link for the survey. Thank you on that, Alma. I was pulling that up myself. And we also dropped in a link to the MISMO Blockchain White Paper, if you guys would like to take a look more. Okay, so here is the survey. This is a very brief survey, only less than a half dozen questions. Which area would you like to see more presentations? Technology, specific use cases, vendor presentations, or other? This is always feedback that we're interested in. What technologies are the most interesting or relevant to your company? You can select up to three, hyperledger fabric, other blockchains, AI and blockchain, smart contracts, tokenization. So definitely select one or three of those. What additional topics would you like to see? Every time I speak with someone in the industry, they're always interested in regulatory information. What are the GSEs saying? What are the regulatory bodies saying? And we're always trying to get that. I think with this additional information from the survey, we can continue to go to those. I've reached out, for example, to the Texas Blockchain Council. They have been able to get some people in politics into their presentations and to provide their insights into blockchain. So hopefully by partnering with them, we can get some of this information out there as well. Then share your thoughts on the level of technology and complexity in our presentation. In going back to the certification that we talked about at the beginning, that is a pretty technical certification. Maybe as a mortgage professional, you don't want necessarily something that technical. You don't want to talk about transactions per second. You want to talk about, oh, okay, how can I get more loans through this application? And give us some feedback on that. Is it too technical, not technical enough? That type of feedback. And then any other feedback that you'd like to provide? Should I stop getting on my soapbox and preaching to you guys and stuff like that? Do you guys want to hear more from James? Should James shave off his beard? That's one of the things I was willing to throw out there. But James, any feedback? Yeah, I think I'm going to be keeping the facial hair. No, as Marvin mentioned, we opened up the interview in our last presentation. So it was this time last month. I think we'll be keeping it open for one more month. So if you do get the chance, come in. We'd love to hear your feedback, your input. This will help provide us some guidance for 2024 as we're looking for speakers and topics and what information to be bringing to the audience. But yeah, I think we're good there, Marvin. Hey guys, that brings us to the end of our presentation I want to open it up just really briefly if anyone had any questions or comments. If not, we will just end the session and give you guys some 15 minutes back to your day. So any questions from the participants or audience? Yeah, while we're waiting to see Marvin, hopefully at some point we'll actually get somebody from the MISMO blockchain group too to be able to join us and present. As Marvin mentioned, I hear the same thing. People are interested in what the GSEs takes are and what they're working on. So hopefully next year we'll be able to increase some of the participation from them as well. Hey, cool. If there aren't any questions from the audience, we'll go ahead and end the session there. Thank you everyone for participating. And you will be able to access this recording off of our Wiki within the next couple of days.  Have a great day and we'll see you at the next session. Thank you everyone. Thank you everybody.


To find the largest eigenvalue of a matrix A, we can use the iterative method. We'll pick any non-zero seed vector x0, we'll let yk plus 1 be A applied to the vector xk, and we'll let xk plus 1 be the normalized version of yk plus 1. And under the right conditions for sufficiently large n, xn will approximate an eigenvector, and the corresponding eigenvalue will be the dot product of xn with A applied to xn. We should always consider the possibilities for improvement. Remember, we normalized axk to avoid overflow errors in our computations. So really, we only need to normalize it when there's a risk of an overflow error. And this means we can improve our algorithm. Let's again pick any non-zero seed vector x0, this time let ym plus k be A to power k applied to xm, and normalize, and this allows us to skip the computation of most of the xk's. So for example, let's say we want to find the largest eigenvalue of a 3x3 matrix. We'll use fast powering to find a high power of A, but not so high we run into overflow problems. So I can find A squared. A to the fourth is A squared times A squared. A to the eighth is A to the fourth times A to the fourth. And if we try to find A to the sixteenth, we'll end up with floating point decimals, so we'll stop here. Now this depends on your machine. I'm using just a spreadsheet, so anything higher than these numbers will get converted to scientific notation, and we'll lose accuracy, and we don't want to do that. So we'll pick a seed vector, 1, 0, 0, and we'll apply A to the eighth to this vector, and this is our y to the eighth. There's an obvious simplification we can make here, and then we can normalize this vector. Next, we'll find A x to the eighth, and here's the important thing to remember. We're applying this original matrix A and not this matrix A to power eight. And if we do that, we'll get a new vector, and our dot product will give us the eigenvalue. And now this leads to a natural question. Why bother with characteristic or minimal polynomials? After all, if we can use a numerical method to find an eigenvalue, why do we have to waste time trying to solve a complicated polynomial equation? And there are two problems with this approach. First, it only finds the largest eigenvalue, and it might not even find that. For example, let's suppose we apply the numerical method to the matrix 0, 1, 1, 0. So we find A squared, and since this is the identity matrix, that means that any even power of A is also going to be the identity matrix, so we can find A to the eighth immediately. We'll choose a seed vector, about 1, 0, and since A to the eighth is the identity matrix, we know that A to the eighth applied to X is going to be, which is already normalized. We'll apply A, our original matrix, to X8, and that's going to give us the vector 0, 1, and our eigenvalue is going to be the dot product of X8 with AX8. And this is all very well and good except for one problem. How do we know the eigenvalue isn't 0? Well, we applied A to what we thought was the eigenvalue, and what we got was not 0 times the original eigenvector. Because remember, if X is an eigenvector for A, then AX is going to be lambda X for some scalar lambda. In other words, this numerical method is completely wrong. And at least in mathematics, that's a good thing because it means that there's something interesting going on. So let's take a look at that next.


Let this be your motivation. This freedom partner earned almost one million US dollars in the two years they've been with us. They grew from very humble beginnings, they never gave up, and they have now earned this much money. $991,000 US dollars as of last payment. You can do this too. It is possible. Use this as your motivation. Just do it! Do what? Do it! Make your dreams come true! I really know. I'm busy. I'm really sorry. No, no. Step one, never give up. Step two, watch every episode of The George Show because I give you tips on how to grow. Didn't see the video about your channel trailer? Click that eye and watch it and improve your channel trailer. Get those people to subscribe to your channel if they visit it. I'm gonna do it tomorrow. Yesterday you said tomorrow, so just do it! Didn't know you could enhance your comments so you're seen beneath videos? Click that eye to learn all about yesterday's video of how to comment with style using bold, italics, strike through, links, time stamps, all of those things. I'm going to feature more of your channels today and the whole point of all of these episodes of The George Show is to motivate you to get off your butt and make better videos. No, bro. No, I'm busy right now. It's impossible. Nothing is impossible! Look to improve. Look to grow your audience and you too can achieve this. What are you waiting for? Let's get started. Hello there. You seem new here. Okay, before we get lost in all the content, let me just guide you through whatever it is here. First things first, my name is Kaz or my real name is Andy, but most commonly Kaz. And welcome to KazPlay. This is my channel and I am a YouTuber on YouTube. Not enough?  What I mostly do on my YouTube channel is I do either gameplay videos or vlogs. Very welcoming channel trailer. I'm not saying everybody should do a channel trailer just like Kaz, but it really caught my interest and well done. The only thing you don't do, Kaz, is use the YouTube cards feature to link to the videos that would be on your channel, your best moments. I would suggest you add that. Let's have a look at your playlists. So you have Mountain Blade, V-Logs, blogs, Garry's Mod, that's it. I suggest you add more playlists to organize your content so we can get a better idea of everything on your channel. Let's look at your video thumbnails. So your video thumbnails are quite, there's a variety of them, and I see Freedom is not a scam. That's a great video thumbnail. I think you can add a little more color. They seem a little dark. The text is clear, but it could pop out a little bit more. And you could add some logo in the bottom left corner to give your thumbnails more consistent branding. But overall, they're not bad. And I love your channel banner. Powered by Freedom. Well done. Click that eye up there to see Kaz Play's channel if you want to look at more of his videos. I commented on older videos and I will continue to comment until George Sunpai notices me. Well, I noticed you today for that awesome channel trailer. Next spotlight goes to TiberTV who wrote, Notice this Sunpai George. First of all, it's George Sunpai. Kidding. He said, my name is Ricky and I have been a Freedom member for three months now. And he wrote a lot about his experiences at Freedom, his feedback about our universal uploader. And let's have a look at your channel. Beautiful banner. Look at that colorful banner. Very easy to read. The only thing you're missing is a little bit of freedom branding. Where's that freedom love? Let's have a look at your channel trailer. Hey guys, I am Ricky and you are watching the channel TiberTV. I upload daily videos and I'm trying the best to become a successful YouTuber. Together with my friends Lazy and Racer, I upload gaming content. And I wanted to show you guys my best moments for the previous two months. That's a great flow for a channel trailer. Warm introduction, gets right into the gameplay. The only thing you're missing is cards here that link to the videos that you feature in your channel trailer. And guys, while listening to these reviews, think about this in terms of your channel. Do you use YouTube cards? If not, put them in. Do you have a lot of playlists on your homepage featuring all the content on your channel? If not, add it. Looking at TiberTV's channel, he's got a lot of playlists on his homepage. From vlogs, to story games, to horror games, to funny games, to survival games. Very well done. Very good introduction to your channel. Let's have a look at your video thumbnails. So your video thumbnails are also very good. They're clear. They're colorful. The text is very easy to read. The only thing you're missing is branding in the bottom left corner. Something that will stand out in a list of videos such as in the suggested videos on the right side of watching any YouTube video. But overall, very good channel. Click that I up there in case you want to check out TiberTV and look at his other content. Next spotlight is Astonax, who wrote, Didn't they already make a video on this topic a few months ago? She's talking about the comment with style video where I talked about how to do bold italics and strike through yesterday. And I replied that of course we did, but you were here two years ago to remember that. I made this video on March 2014 and she said, Yes, she's been here since the beginning of the George Show. That certainly deserves a channel spotlight. But first, let's have a look at this two-year-old video. You can edit your comments as many times as you like and you can add bold and italics and strike through to emphasize your. That's what I looked like two years ago on March 24, 2014. In case you want to see that video, click that I up there and you'll get to see George from times ago. Let's have a look at your channel trailer Astonax. Here's your channel and here's your trailer. YouTube Presents A female YouTuber who's French. Could I get even rarer? I don't think so. It's like seeing a shiny Pokemon and not trying to catch it. And also is extremely good at gaming. Hey look, behind you there's a plant. What? Oh, there is? Yeah, I kind of participated in that. Did I? I don't know. So she's very welcoming as well. Uses comedy to attract your attention. Pretty good channel trailer. The only thing you're missing is YouTube cards to link to the videos you feature in your trailer. Looking at your playlists, I see you show uploads, game playthroughs, game guides, all your awesome playlists, popular uploads. That's a good list of content. Let's have a look at your video thumbnails. Well, this one is the most attractive to me. The worst things about girls. Very well done thumbnail. All of your thumbnails use yourself as branding, which is good. Very clear text, very colorful. I'm very impressed.  Are you also a graphic designer in addition to a gamer? I'd love to know. And your channel banner also looks great. The only thing you're missing is a little bit of freedom love. I would love to see a powered by freedom in the channel banner. If you want to see Astanax's channel, click that I up there to go straight to it. Cosplay wrote an interesting comment, the same cosplay we featured at the beginning of this episode, where he talked about the lightning is tricky. I think he meant to say lighting. And he's saying he's using a desk lamp. But what caught my attention is that he's looking to find a better phone stand than a Pepsi cup. We all get creative by setting up our environment. And I use something almost like a Pepsi cup. Let me show you. This is my setup. Not a Pepsi can, but it is some type of cardboard box with some business cards and a little notepad to get just the right height for my Blue Yeti. And guess what? Here's my pop filter. It is just precariously balanced on the volume knob of... Oh, now I've broken it. So this is not a professional setup, but it does what I need to do. And here's my booster seat of pillows and blankets that help me get the exact right height so I can use my Logitech C930E webcam pointed at this green fabric hung over a white board, which I've shown you before, but you can see it again. This is just a white board. And the lighting I use is right here. It's just one stand-up lamp. And you can see today is daylight because I've discovered it's better to film during the day. And there's nothing special about this light. It's just a simple box light to give that kind of view to when I'm recording these videos. Tell me how you are set up for recording videos. Create a video of your setup so we can all see how you've got everything working. Pazzi Plays wrote, This was useful George. Thank you, referring to yesterday's video. And he asked us to do a spotlight of his channel because he makes animated movies and game movies music videos with no commentary. A very unique style of video. Let's have a look at your channel, PazziPayPlays. Roll it! So clearly you're spending a lot of time picking the right scenes from video games, choreographed to music. My only concern is where do you get your music from? Is it fully licensed for commercial purposes? Or are you just hoping it won't get picked up by the owner of the music? The best place to get music with full permission for this type of use is positionmusic.com. If you go to positionmusic.com and click the shiny freedom button to sign in, you're gonna have access to thousands of professional tracks that you can use in any of your videos or live streams for free because we have a deal with position. It's an exclusive deal. That means you can only get this as a freedom partner for free. And they have content in all of the major movies, TV shows, and you can just click placements to have a look at the kind of music you're getting. It's amazing. So tell me in the comments below if you use position music. Send us links to your videos featuring position music tracks that are also being used in X-Men, Dragon Age, The Hobbit, Deadpool, and all of these other productions, including Uncharted, multiplayer revealed. So it's not just movies, it's also video games. Back to your channel, Pazzy Plays. Let's have a look at your playlists. I see you've put your popular uploads first, then ASMVs, which are animated story movies. Thank you for explaining what that acronym is. Your recent activities as well as more ASMVs and more playlists. Well done. Let's have a look at your video thumbnails. Now here is a channel that uses his logo in the bottom left corner with a nice unique shape around the left side of the thumbnail. Well done. That's an excellent use of consistent branding. And looking at your thumbnails, you have big pictures of attractive faces, which really catches my attention. Well done. You have very clear text so you can see what the video is about. I don't have any suggestions to improve your thumbnails. Well done. We will continue featuring your best channels and your best videos. Keep sending us links to both down there in the comments below and I'll keep picking winners to spotlight so everybody can grow together as a family because that is the spirit of freedom. We all help each other grow together as a family. And who am I? I am George Sunpai, Papa George, and a lot of other Georges that you have given me freedom family. I am George. I am the CEO and founder of this beautiful family called Freedom. And if you like this content, click that like button down there and subscribe to this channel, Freedom Central. You've been watching. And we will grow together as a family because this is the freedom family. You are part of it. We are all part of it. And we're all growing together. So grow with us and partner with Freedom. That play now button right there on the video bar is all you need to click to get started.


Hi guys, welcome back to my channel once again, if you are new here consider subscribing, make it happen to 1000 subscribers, support my channel, always be happy. Travelling from Dubai to Abu Dhabi, these are the new strict rules for travelling into Abu Dhabi by road. Those intending to enter Abu Dhabi must have a negative COVID-19 PC test result issued within 48 hours or a negative DPI test result within 24 hours. The day of arrival into Abu Dhabi is counted as a day one. Hope guys you get me clear. If you are taking a DPI test, the result should be 24 hours for those travelling from Dubai to Abu Dhabi. And if you are taking a COVID-19 PCR test, it should be within 48 hours and it should be a negative result. Arriving passengers who are planning to travel to Abu Dhabi must comply with the following protocols in place at all Abu Dhabi borders. However, to be reminded, some of these procedures may affect the travel time. What does it mean? That if you are to travel to Abu Dhabi, you must travel in time or two or four hours earlier so that you beat up in time for your journey. Passengers who are planning to travel to Abu Dhabi must comply with the given protocols. Abu Dhabi authorities have revised the rules regarding mandatory COVID-19 testing and home quarantine requirements for visitors and vaccinated passengers who are either UAE citizens or residents of the Emirate. Remember, vaccinated travellers arriving from green countries must take a COVID-19 PCR test on arrival and on days 6 without the need to quarantine. Vaccinated travellers arriving from other countries must take a COVID-19 PCR test on arrival, quarantine for 5 days and take another COVID-19 PCR test on day 4. Vaccinated travellers identified as close contact must take a COVID-19 PCR test on arrival, quarantine for 5 days and take another COVID-19 PCR test on day 4. Vaccinated travellers arriving from green countries must take a COVID-19 PCR test on arrival without the need to quarantine. Followed by the COVID-19 PCR test on day 6 and if the stay is extended on day 12 additional. The non-vaccinated travellers furthermore, if you arriving from other countries you must take a COVID-19 PCR test on arrival, quarantine for 10 days, take another COVID-19 PCR test on day 8. The non-vaccinated travellers identified as the close contact must take a COVID-19 PCR test on arrival, quarantine for 10 days and take another COVID-19 PCR test on day 8. If you want to have a list of the green countries, you can just check on the website or you can go to the Updabi portal then you can see a list of the green countries we are talking about. Then you still also have to remember that these states are legal requirements where what are we meaning that these states that they carry the COVID-19 tests are legal requirements so you should find out where to get the tests in Dubai before you enter Updabi. Dubai has different places where you need to specifically to take those COVID-19 tests before you enter Updabi. So guys, that will be going to Updabi, please make sure you have follow. Remember something that you should know, something that should cut COVID-19, COVID-19 flights and travel restrictions remain in place across many countries around the world. We are closely or each country is closely monitoring this situation as it evolves because each country wants to see the safety of its citizens, its economic sector, its healthcare sector. So a lot of travel restrictions that we see going on is just a result for the COVID-19 pandemic that manifested the grobo or the grobo or that manifested the grobo. Remember, something that you should know, when we look at COVID testing centers for the Emirates passengers, remember Emirates has expanded its medical partnership to offer all passengers exclusive form of COVID-19 testing rates at the following centers. So you look at a list of centers, we have the prime medical centers location in Dubai. We have Alkwishis branch, Damasca street, we have premier diagnostic and medical center, Salasala, Aldina street. We have the prime cop medical center, Salasala, Aldina street, Deila. Then we have Shekzeihe branch, Shekzeihe street near Nolmza in Islamic Bank. Then we also have the prime specialist medical center, Serija, that is branch King Faiso street, Almazi. Then Ajman branch Grand Mold, Shekzeihe street. Remember, something that should come in your mind that the test costs are AED 150 per person. Each test, COVID-19 test that you take in one of those approved centers, each person is supposed to pay 150 dirham. Home and office testing within Dubai for a minimum of two passengers is also available at 240 dirham per person. And the test results will be available within the 24 hours. So that is how far Dubai is doing with the fight for COVID-19. Testings and seeing that the economy at large gets back to its normality or days before where people would freely. Thank you for watching my channel. Thank you for subscribing for my channel. For my information, please don't hesitate to put a comment down in the subsection. I will always be more than happy. Tell a friend about this channel, share and comment. Thank you so much for watching.


Good afternoon. I'm Adrian Dix, BC Minister of Health. Beside me is Dr. Bonnie Henry, the Provincial Health Officer for British Columbia. I want to thank members of the media for their cooperation today and ensuring appropriate distancing here at the media conference, at the media event. We'll be briefing here tomorrow at the Vancouver Covenant Offices at 3 o'clock and on Friday and with that I'd like to introduce Dr. Bonnie Henry for today's report on COVID-19. Thank you. Good afternoon. So these are extraordinary times as we know and there's been many changes even overnight in the status of both around the world and here in British Columbia. So today we have 45 new cases to report so that brings our total of cases that have been tested positive here in British Columbia to 231. That includes 144 in Vancouver Coastal Health, 58 in the Fraser Health Region, 16 on Vancouver Island, nine in the Interior Health Region and four in Northern Health. Including one is a resident of a new long-term care home, the Harold Park Centre in Vancouver Coastal Health. We now have 13 people who are hospitalized, seven of whom are in intensive care here in British Columbia, five continue to be recovered and we have no new deaths to report. So as I said these are extraordinary times and we took a number of extraordinary measures in the last few days to try and do everything that we can to try and stop the transmission of this virus in our communities and flatten out the curve over the next 7 to 10 days is the critical time. It's sometimes challenging to see what it is today when we seem like everything's fine but we do know that this virus is spreading in our community and the measures that we are requiring and asking of people are to try and prevent as much of that spread as we can and slow it down as much as we can and protect those people who are most likely to have severe illness from this disease particularly our seniors and elders, people with compromised immune systems, people with underlying illnesses. So as you know we issued some orders under the Public Health Act in the last in the last couple of days around schools, around pubs, bars and nightclubs and restrictions in restaurants, around travel and on mass gatherings in the community. These are temporary but they are extremely important right now. Yesterday I talked a bit about you know we're dealing today with things that happened 10 days 14 days ago and what we do today is going to help us in the next 10 days 14 days two weeks or three weeks and it's incredibly important that people start paying attention and use these measures now to mitigate what is happening in our communities now. Having said that orders so legal orders are really a measure of last resort and mostly we're asking people to take voluntary steps to help us in our community and while they are voluntary there is an expectation that we will do our civic duty to do our best around this to proactively protect our communities and our families and our communities. So just to make clear what some of this is and I know there's been a lot of questions about what exactly these mean in different settings. So around businesses the orders that we have really are about making sure that we have those appropriate measures in place so that essential businesses keep going. We don't lose the essential services that we need in our communities everything from the lights and and wi-fi for sure things like our transportation our public transportation networks our essential goods and people movement around our province in our country and internationally. So for businesses for example grocery stores or pharmacies it'll vary by the business how you will need to implement these measures so that may meet that will mean enhanced cleaning both in your premise but also for people who employees of the premise so they can clean their hands frequently they can clean the surfaces around them and they're able to have a clean enhanced cleaning in all parts of the of the business but it can be tailored to your business. So for some people the social distancing requirements making sure that there's at least one to two meters around people in your business if you're a grocery store there's a very large one that may mean that you can accommodate several hundred people without them having to come in close contact with each other if it's a very small business it may have to be one at a time or or very few people so those are things that can be determined by your own business given your own circumstances. We also have been asked a lot of questions about other sites like industrial sites and again these are these are less risky environments for many parts even though you may have a lot of people there so employers should be looking at reducing the numbers on a site if possible making sure that employees are not congregating in areas where they're spending a lot of time together for example at lunches and breaks that they have opportunities when they're in in closed spaces to separate from each other and you can have staggered schedules for example but for most industrial sites this is not a difficult accommodation and it's something that employers should pay attention to. In terms of public transportation this is an essential service for many people for getting back and forth to work for healthcare workers for other essential services workers but there are things we can do in our transportation systems that will help us to minimize the distance of the contact between people and help prevent transmission so things like minimizing the number of people on cars or regulating the number of people in a in a bus so that they can sit separate from each other putting barriers in place for employees like bus drivers many of the buses now have some barriers so that people aren't able to breathe directly making sure you've enhanced cleaning in those facilities and on those services and that the employers employees of the of the of the transportation services are able to clean their hands regularly and clean their space around them so one of the other issues that we've been working on over the last little while is about child care services and child care services and daycares must be provided in a safe manner for those families where parents work in our essential services sector and we have not recommended blanket closing of child care services because they are essential services for our parents that work in our essential services as well however as we implement these broad social measures to delay transmission of COVID-19 many parents now are working from home and caring for their children at home and that is really important because that does take the pressure off our day care centers and ensures that there is reliable and safe child care for those who do need it so this will help our child care day care centers implement a more rigorous approach to things like hand hygiene, food handling, food services so that smaller groups of children can be in more appropriate environments in sometimes when we're looking at many different ways that that can happen using enhanced cleaning measures things like symptom checks things like reducing the the crowding together of people during drop-offs and pick-ups of children so staggering schedules making sure that staff are able to protect themselves as well so these are all measures that we'll be looking at and then reviewed and guidance will be coming in the coming days and our ministries will be providing more specific guidelines for preventing the spread of COVID-19 in child care facilities to the owners and licensing officers in the coming days to make sure that we continue to have safe and reliable access to essential child care during this very difficult time. I do want to mention a few other things one is around employers and doctor's notes and we have said this before but we'll repeat really there's no need for doctor's notes particularly in this situation that we are in and that uses up much needed health care services so we are again appealing to employers not to require doctor's notes and of course not to require testing for this for employees to return to work so this is a challenging time where we need to really think about taking care of each other taking care of our communities and our families because it will be a changing situation over the next few weeks we may see many other things that are happening and as I mentioned what we are doing now is to protect us for the next few weeks the things that we need to do today are to clean our hands regularly not touch our face and mouth covering our mouth when we cough social distancing is now a very important part of all of our communities across British Columbia and of course staying home if you are sick or if you are somebody who is at high risk for this disease and I'm calling upon all of us in our communities to support people so they don't have to go out if they're at risk or if they're in isolation for reasons that of risk for this disease I will mention as well that the Canadian blood services has indicated that we have an urgent need for blood donations here in British Columbia and that they are establishing services so that people can donate blood in a very safe way and so if you are want to donate blood and want to be able to contribute to that you can go to blood.ca and there'll be information about how you can do that so again talked about yesterday the the importance of coming together as a community right now and I will for all of you to be kind to be calm and to be safe and we will get through the next few weeks together. Thank you very much Dr Henry as Dr Henry has reported our total number of cases in British Columbia is 231 I mean with 45 identified since yesterday that represent 144 cases in the Vancouver Coastal Health Authority 58 in the Fraser Health Authority 16 in Island Health nine in Interior Health and four in the Northern Health Authority. Most of that those patients most of them are resting at home in self isolation stable and we hope of course getting better with the support of public health. We now have 13 patients in acute care we had seven yesterday and of these 237 cases I believe it's still the case that five of recovery meaning they've had two consecutive negative tests. Our testing continues there's a lot of interest in the amount of testing that's done as you know we provide precise numbers every Friday the reason for that is that we want we want our people doing the work and not reporting on the work all the time and we now have multiple locations five locations around the province that actually do the physical tests that run the test of course many many more that are that are collecting the tests around the province. We estimate that at least 17,000 people have been tested and we will have precise numbers on Friday but that gives you a sense if you think back at the amount of testing that's been done when we had our presentation I believe on February 28th we had done I think the most at that time and it was about 1,000 British Columbians have been tested at that time focusing of course on travel at the time then the following week which was approximately March 6th I think it was 2,000 and last Friday it was 6,225 the number that you're going to get receive this Friday indicates the growing intensity of testing and while our testing has become more strategic we are doing more and more of it and more and more of it is necessary. I want to underscore that whether it's those who have recovered those who have died or those who have tested positive their families loved ones friends and neighbors that those are the people that we have in our mind's eye and others who are facing the struggle who we have in our mind's eye when we can when we address these problems as a community and we should all have them and all remember people as Dr. Henry has said who are especially vulnerable in particular seniors and our elders those living in care homes and that requires specific steps but also people with chronic diseases people living with disabilities particularly adults living with disabilities in our society and many many more. I think what Dr. Henry said that is so important is that under these circumstances we have to continue to be calm continue to be safe continue to be generous with one another. I want to note a couple of other points here that are important in terms of information to you that just to give you a sense of where we are. Our our self-assessment tool which is on the BCCDC website had at the end of yesterday 7774,618 total users that number is now as I am told close to a million as of right now. I want to emphasize what Dr. Henry said with respect to the blood supply and the need for people to give blood and the information out to the public and this is one way that we can participate those of us who do not need to be staying at home at the moment in supporting one another. I note there's a in the South Asian community there's a community of people around the Sikh community that gives blood all the time that has that is making a call out to the community for more blood donations there we thank them and we need more people to join them. I wanted to note a couple other things again our new 1800 COVID-19 line the calls answered yesterday was 1807 that has relieved some of the pressure on our on our 811 line which is continuing to answer between three and four thousand calls a day. Finally a couple of things about the actions that have been taken and the actions that will be taken to address this as a community. We have asked and the provincial health officers asked and all of us have asked that everyone take part in the efforts to stop the spread of COVID-19 in British Columbia and some of the actions that have taken place if we think thought of these things a month ago or two months ago are truly breathtaking. We've asked people not to travel outside of Canada. We've asked people if they travel outside Canada and return to self-isolate for 14 days. Mass gatherings have been reduced to 50 we've seen decisions made canceling school classes and the closure of bars and restaurants the limitation of restaurants around social licensing and so on and municipalities and other levels of government have taken actions on in their own right and all of these are dramatic of course and we wouldn't have imagined taking them a month ago or two months ago but I think what I wanted to emphasize is because there's always discussion about who's following and who isn't. First of all I think an overwhelming majority of people in BC are listening to this advice because they know what it means for everyone else in their neighborhood in their community and to those who have been reluctant or who have an occasion not follow the advice I want to say that your neighbors and your friends and your families are counting on you to do just that. This next two weeks what we do in this two weeks every one of us is important. There's a difference between self-isolating a self-isolation and isolating yourself from the responsible action we all need to take together so for today today I would say for anyone who hasn't joined in this effort who has been reluctant to join in these very explicit measures we can do to help one another to help protect one another's health I say it's not too late to join the fight it's not too late to join the fight we are asking you to take part today to take your civic responsibility but your responsibility and our responsibility as human beings to one another we need you to join in and we need you to do it now today this moment without judgment but we need everyone to take part in what in I think what has been an inspiring call to action from Dr. Bonnie Henry and many others around the country so as we've understood from the beginning it's clear every day we are all in this together we are all in this together we count on each other to take the appropriate precautions to keep one another safe COVID-19 is a challenge for us all and as each day brings news of our shared battle of our shared obligation of our shared obligation to one another and of the seriousness of the fight we're we're learning what to do we're learning how to adapt and we're learning how much we mean to one another every single person watching and every single person in this room and all of the other rooms in BC if that shared experience that shared responsibility that has to continue to drive us thank you very much we look forward to taking your questions thank you minister Dix


Felly, ydym yn reitio bod yn ymweld ar y dyfodol sy'n mynd o'r dryf yn ymweld yw'r ysgol i'w hollwyr gyda'n hyfforddol ar y hollwyr, ond rydyn ni wedi'u gan gwybod yr oeddol a'r cyfnoddiad newydd. Mae'n gallu sydd wedi'i gael bod yn ffordd y bydd o'r cyfnoddol yn ymweld. Mae'n cyfnoddol, mae'r cyfnoddol yw'r cyfnoddol. Rydyn ni'n gofoddol ar y newydd yw'r cyfnoddol ar y cwylio cyffredinol? Mae'r olyg yn cael ei dynid, yn cael yigodd y cyfan yw eu parodymwyr. Fe yw ei dynig yn unig, wedi'i cyfle gyda'r perarchau sy'n cael ei bodlayr. A'i bwysig wedi'i eistedd. Mae gennym awr o'r eistedd, ac mae'n gwneuddu i'r model parodymwyr. ddeunasodd, ac ond mae'n ddiddordeb. Mae'r ddreoddngen iawn ein newydd yng Nghaelwe Parodyn Taradur? Ond t influential mae'r ddweud ddweud yma yw'r ddeunydd, y ddweud o gyda yeargo ddysgu. E'r ei gafod o'r gwylo gyda'r codi, ac yw'r ddweud o'r ddweud dryfyrnau hynny ar y dweud gan draethau ar ddweud. Rydw i'n ddweud rhaed o bobl sy'n worher o'r ddweud yn gwneud ar y Hawniol, oherwydd sglu'n meddwl bod y gallwn ni'n meddwl â'r panhau yma, y byddwn ni'n meddwl o byddwn ni'n meddwl, y byddwn ni'n meddwl pet으면au o'r wthigau ar ddefnyddio â ddechrau y swydd yn rhyw fawr, a mae'r rhaglen i'n mynd i'n meddu i ddefnyddio. Yr hamdedd y cyffwil yn rhoi beth yw'r dreifffu cewddiech chi'n meddwl unig i chi'n meddwl nifer o'r Hawlau. Mae'r llymau ar y ffyrdd a'r ystodd gan y Chywb ddechrau is the chevron returns in terms of the centre of the crown and to me straight away it frames the ball a whole lot better. So I don't really understand why it doesn't appear on the triple diamond because I can only see negatives for me personally at least because just having that help, that assistance of that chevron really seems to focus some attention on where exactly the centre of that clubface is. That's the first change, the first addition and the first positive I've got about the new paradigm over the paradigm triple diamond. This isn't a head to head of course. So as I address the second ball of the day just to confirm again having a chevron there is huge for me in terms of no messing address the ball. I am going to kind of work things out in terms of where that centre of the clubface is. So that's a big plus for me. Love the shaping of the paradigm standard head as well. And don't forget this is all about this 360 degree carbon chassis which has shifted weight considerably to concentrate on two things. MOI which for me is ultimately that forgiveness and also ball speeds and also to be able to place that weight which can have an impact on spin and controlling spin. And I can tell you from dry ball data they've achieved that in abundance. And I think we should have a quick look at that dry ball data before we go any further. The other point to mention is that's two drives straight down the middle. Now from the dry ball data you're going to notice a few things and that's first one is the launch on this thing. Launch is the ball incredibly high which again to me is perhaps a little bit high in this current setup but a real positive for a lot of average golfers that assistance in getting driver airborne is massive. But you'll also see that it doesn't impact too severely on spin and we've got a really good controllable spin number. And then of course ultimately we're looking at distance. Nice to see if we can get off to a decent start. That was right on line as well.  But straight away I knew that the consistency within those four shots was very, very similar indeed. That's a huge positive. That carry number of 240 yards or there or thereabouts is again my optimal number with the way I swing the club. That come with that launch and that spin really, really good in terms of what it did in dry ball data. And that's why I'm always keen to get it out on the golf course and see what it does in reality. And trust me in this weather this is reality. And personally in terms of dry ball data I've really lost interest in that yardage carry number. Now that may sound like an odd thing to say because ultimately with driver we want to hit it as far out as we possibly can. We mustn't forget that ultimately all drivers are governed by rules that send restrictions. I know that no matter what happens with any driver released if I'm hitting it around 240 yards carry with my swing speed then that's as much as I am ever going to get out of a driver head. So it's hitting that number what I then want to see is a consistency of numbers. And when I talk about consistency of numbers I also would quantify forgiveness in that set of data. But more realistic than data is what does it do out on the fairway. The data suggests it was very consistent across all those key parameters. The one thing I'm keen and interested in out here on the fairways is does it actually find the middle of the fairway and how often. I'm based on the fact we've now hit three drives and found three fairways and the ball has travelled incredibly straight. I have been warmed up this morning like I said I hit the balls earlier on in the custom fit studio here at Hollywell. That's a big advantage it's not like I'm turning off it in the first ball of the day and I'm swinging it good. But I can't help but recognise just how consistent this paradigm driver is. It also feels and sounds incredibly good and the one thing that I had such an issue with is the way this driver looks. I didn't really buy into it in terms of off the shelf. What I can say is I've not took one blind foot of notice of what it looks like this morning because all I'm interested in is the performance. And I'm persuaded already to overcome my issue with the looks. Right to take a little bit of cover just to talk about this standard paradigm model because we've got that weighting system in the back which is set in the neutral position. Actually there's a considerable amount of difference that I've always seen when club testing by shifting to that draw and fade bias and there's obviously the adjustability in the lot.  I'm using a hazardous 5.550 gram at a regshaft 50 gram fairly light and it's a very very user friendly shaft if you like. Certainly at my sort of swing speed which although indoors when you're recording data it can be 95 to top it out at 100. I think the reality is when you get out on the golf course and why I enjoy on course testing so much is that swing speed and tempo generally drops off when you've got to consider other things predominantly finding the fairway. So I think how many swinging in the low 90s and this reg set up with that ten and a half degree head you've seen the launch angle we're achieving without a compromise in a high spin number. I think it's a really good setting and I've come back out to play what was the second hole of the day because I've got to say I really am enjoying hitting this because a from a conference perspective and finding fairways and loving the sound and feel. And right now we've hit three from three and I just really want to know how long we can continue this for. Is it all down to the swing which is obviously a major part in this but I love the way in terms of how tight this dispersion has been both indoor and out here in the golf course. So I think we'll hit one more from what is the 80 Europe at Holywell. If we find another fairway then I think it's fair to say I have made that paradismic shift. Feel like that word by the way. What I want to try and do is just highlight to set up for a slight fade. Nice easy swing and just cut in off that left hand side and just that high ball flight. It's firing off the clubface. That's exactly where I want to be yet again. So yeah it's just doing it out here on the fairways which is what is the key bit for me. So the key for me in terms of the performance out here on the course is it's been a replication in terms of what I've seen in terms of dry ball data which is always key but you're always like to see it. That's a high launching ball. It doesn't seem to be spinning too greatly although again that's impossible to measure out on the golf course. The carry distance has been consistent as has dispersion and if you look very closely at the dispersion from inside just that small group of shots. My shot shaped that little left to right. It was consistent in its performance and like I said that's exactly what it's done out here on the golf course. I've got to say that forgiveness is a difficult one to comment on. I know that it's what driver manufacturers discourse MOI and forgiveness but how do we quantify it when we do a test? Well for me all I can consider is this. I've had four drives today on the golf course. I know from and as you know from my swing variables the likelihood of me finding that clubface in the centre each time is probably slim to none. But the performance has stayed consistent and therefore to me that clubface is performing right across it and performing a consistency of numbers in all parameters. It really is a really good driver offering they've put together in the key for me. The triple diamond with a 60 gram stiff shaft just didn't work for me. You put in a 50 gram reg shaft, you put a 10.5 degree head in that standard paradigm and all of a sudden it is a different animal in my hands altogether. So so forgiving, so fast in terms of ball speeds, sounds really good. I'm still not over enamored by the looks. That is not something that's going to change. It's still not my personal choice in terms of a colour scheme and the way this thing is put together. But overall you cannot knock the performance and I think it's a definitely one to put on the list. You're going to have this, the G430 Stealth 2, the new driver from Strickson. If I've missed anyone I apologise. They're hitting some decent numbers right now all these drivers. It's not about finding the key elements that really float your boat and what it is you're trying to achieve, but the key is making sure you get the right driver head and shaft combination because there's huge differences between each setup, trust me. Right, I'm going to get warm. It is a miserable day. I enjoyed that but only because I was testing the new product and you wouldn't have got me out here for any other reason. Right, I'm going in. Thank you for watching. See you soon.


hey guys welcome back to my channel if you're new here hi hello welcome we are sat on a beach we're in Brighton and we've got a video to tell you about something this is scarily quiet i've never seen waterloo so quiet please remember to take all your belongings with you when you leave the train change here for other national rail services hi human hi we had an event do you want to tell the story babe? we can't go a day without something happening because you are like the person that was offended so basically a dog came over here and decided to take a pee on my handbag and i just sprayed everything with my hand gel i actually got this hand gel thinking it was going to be nice or something but i don't want it anymore are you going to film me stuck it? you can do it you can do it congrats i did it look at my boom she's cold what move from we moved to sea again oh my god which face i raised yeah oh god he is what am i trying i'm also on the train