Going on everyone Sam here with late in sports car drip in 23 24 panini hoops Basketball hobby 10 box case number or 10 box break number 7 random team style look again at your random results As always find those on the website under the results tab as well as the link in chat So good luck and all base that base will be split evenly To everybody in the break the heads up these look coming at you quick See some when be see some big one be when the number one hit a number scoot in the first break 199 pretty good green or an artist through for something Redbacks of course Yes, that's yes Donovan Mitchell red back for the cabs One or two of those a box generally Yeah, Star Wars. That is again the only break remaining tonight with spas 17 to go last break of the night And we'll be in the personals and that'll be it. It'll be Sunday You can do anything 99 Say Steph Curry on the presentations. I just won their warriors Tray Jones is 75 starting us off. Then they have Dia checked in. Let's go Any idea Kamara? That's Giannis attack the rack Shaq and Azar Thompson Wemby City Edition foil the spurs They're lively rookie Luca Nick Smith, Jr. Coming up to wreak whitehead James Najee City Edition Curry Steve Steve Kevin Durant Colby Jones Nicola Yolkich rode to the finals not numbered weird that some of those aren't numbered this year Those are usually always number. Yeah, jet Howard Wayne Wade Brandon Miller Ignition those are always numbered Usually number to like a year, but I don't know Maybe they just threw out though because you know, I haven't seen one number to the year yet I've only seen them to 999 in lower.  That's his name. You can't do anything Kim Whitmore Thompson, come on Nice car. It's a nice card man. It's cool Taylor Hendricks Come on he baits Brandon Miller. No a clowny.  I know it was listed at 125 did sell for that LeBron Josh Giddy honors Inc or Hoops Inc Scoot Henderson really and a Tristan hook a Vic Victor Wemba Nyama and purple RJ Barrett. All right box two Easy that was doing something wrong 120 to 125. That's what I thought honestly 120 to 125 Pretty it's pretty it's wild dude Benedict Matherin second year on the Redback. I swung there congrats Paces Yeah for a hoops card that that's got to be the record for a hoops card There's no shot anything maybe a Zion one-on-one and the in the peak would have sold for that But there's no shot anything will ever even touch that Nice green Anthony black to 99 nice one. They're magic 26 of 99 Got them Champions is Yeah, you don't have to put them in champions parade Denver Nuggets nice one there on the foil There's like usually one a box maybe one every other Like we'll probably end up with like seven oops. There it is. Yes, sir Oops, there it is. Oops. There it is. Oops There it is So said nice nice Purple chat Howard a man Thompson Steph Curry feeling brown foil Perfectly Hunter Tyson now playing Olivia Maxon's prosper Then you have Dia there we go Vaughan Julian Phillips Jason Tatum Derek Whitehead Derek Lively Seth Lundy rookie that is a purple On goes there are bot lobbies and there's whatever the hell this place is Brice sense of law Chris Middleton to 199 For the box Interesting that you do frequent this place. Yeah, I mean interesting. Hmm. Hmm. Interesting. I'm in Thompson rookie pick it Kianta Johnson Ja, Jordan Hawkins James Jaime Jock is or jocks Mitchell Robinson purple Steve. Yeah, Steve's about Ben Shepard. Jake's about to Zemsky Really, I'm the only one here is not a Zara Thompson. Are we serious in Shrouther Brice sensible Brandon Miller rookie Hoopla Jason Tatum Pianta George Henderson case on Wallace foil ignition for the thunder dealing slosson Tyrese Maxi hypnotized Anthony black rookie Yana's ignition below Kula Bali 100 Miller. Oh He never never pretakes in the said body activity Nicola Jovic nice one there on the hot signatures for the heat Nice one there.  What up Anthony? Let's go. What up Anthony? Vaughan says Brandon Miller and Brandon Miller that he doesn't partake in the body activity yet Like five messages up he goes Danny of Dio checked in the game What are we doing? What are we doing? No, a clowny Don Mitchell attack the rack Allen Iverson and Ryan Rupert. Yonis Yolkich Kobe Bup your shooter Kobe Bufkin Listen to the bass for redbacks, I think it'd be good. Okay D. We've hit one in each so far Extreme team Yonis I know you said something about that No, I don't worry about it. Jeff Howard up. We got an X below Kula Bali and D Wade Andre Jackson and John Morant I'm loading up on TV and in Daily Fantasy. Who are they playing? Who are the Bucks playing? The Colts. The Colts. Okay The Colts Jeffery C with the spots tomorrow a bunch of spots just came in. Steve M with a NT spot Daniel F with two spots in Star Wars. Let's go Daniel Russell F with a spot in archives Thank you there mr. Brian S picking up some spots tomorrow Tim with a spot in stature Jeff G with three in autograph Jersey 15 to go Let's go y'all. 15 to go everyone 15 1-5 attention Yeah, Jake's gonna drop you a link to a break that's sold out already play the Chargers tomorrow Play the Chargers tomorrow Tomorrow night Yeah Last spots of the night everybody 15 tog o the The V. I don't V you do that ain't me I can pinpoint you exactly where it was that you could I know that is that is the biggest Texans Jags game of our lifetime for sure Vaughn for sure Have the spurs for 550 in a break. I know that's a thing Edward. It's wild No, I've not opened any top-scrolling blaster updates blasters to myself. I haven't really been anywhere that sells them recently Right there. Oh, it's a Yannis nice Yannis red back Another one that is Jibari Walker read back to the Blazers Brandon Miller on the presentations nice one there Hornets Gold refractor Otto nice 44th meeting between all time between the two and it's the only the second time both teams are over 500 with the text What that is incredible? What is an incredible staff on? Aaron Gordon to 199 dropped Lucific one man Yama one man Yama Kobe Brown.  I'm not gonna do it Nice one there Taylor Hendricks KD scoop You know what both his new nickname is thanks to strive. I'm Ari Bailey. It's a walnut. I Saw that I didn't know what he meant because we were trying to explain where Bofa comes from without You know saying it. Oh Scoot Henderson Jalen Swanson strive goes looks like it says something to do with walnuts Yeah, and then now it's our combo for one Yanis Marcus smart Cubies the last time they're over 500 Matt David Gerard and Matt Shaw. Wow Livia Maxis prospered Yolk it's Jordan Clarkson hot signatures for the jazz Nice one there. I'm not a big pecan pie fan I reflected Norman Powell to 99 like I get it It's not bad. It's just not my life when we pulled this out What remember the video of him walking in Come on man, Halloween was two weeks ago. Come on man Purple Jackson A's Yanis hoopla foil conquester door dig up my My garage Jersey True Milan true Damian Lillard foil names Najee Laurie Mark and foil high voltage Yonte George Danny jocks jr. The Brown Marcus sassar. I'm in pump or a czar Thompson and base All right, oh you asked for the mega dual case spot tomorrow. Thank you, sir 15 to go everybody Yeah, do you own a Josh Freeman Jersey? I do not Did you ever did I ever know? He's asking whatever Well, would you ever yes? Yes, but have you ever know I have not so that never possessed In your life true true and close to Bowman draft Josh Freeman Josh Freeman such a stud man Josh Freeman such a stud 15 to go y'all 15 to go 15 to go Please the 12. Oh, yeah Yeah for Brady. Oh my god. We had so many fun. I'm gonna go Gators By So call me maybe well you missed that yesterday. That's all I was singing for like two hours God, please we got to 50 likes and I stopped. Thank God. Thank God.  No, I got it. I must have missed that. I must have missed that ghost Leave them on the side porch if possible It was good. Yeah, I The Kobe was pulled today. I think oh it's safe job red Safety My god, here comes Vaughn with freaking fireflies now. Yes. We do have the Gator game on. Yes, sir. Yes, sir Yeah, we just saw that I got scammed into freaking betting on the Seminoles to cover by a couple of bots who frequent this chat that is Danny Greene to 99 Green green, I respring green green green I Think black or Damian Lillard you would not believe your eyes I'd like to make myself believe That planet earth turns slow There's a I'm in Thompson. F is you just got 999 is clay Thompson For safety Picket was a smoothie Derek lively. We are we're losing it dude Monty Bates Brandon Miller and Jamal Murray. This one's numbered. Yeah, some of them are some of them are like there's another one in here That's gonna be numbered as well They're quite had purple Bradley Biel Seth Lundy thing a mute your butt exists Road to the finals Trey young and that one's not numbered It's always a good Oh, can't wait more We don't even have to try it's always a good Luca Nick Smith nice Jalen Slawson Rookie Auto Nice one there for the Kings. I am a bit big nickel back then What's up try As long as that James not receiving a case on waltz Gante George rookie Scoot Henderson sing songs from truck ads Jett Howard I'm laughing. I'm laughing. That's right now. He honest There's Andre Jackson Jackson Hayes Jalen Williams Chet Holmgren Kobe Brown rookie Kenyon Martin jr. Kmart to 199 for the Clippers from the Kmart I might help you. I'm in Thompson rookie Curry hunter Tyson no a clowny Kmart was low-key go to Kmart was go to these book cards on sale Oh, bro. I miss that Wendy tack the rack You find the best Halloween costume You would My no wrong. No a clown. He's sick man. There's Kobe buffkin purple of Colby Jones for the Kings. It's well Lewis Is our Thompson nice one there for a quarterback. I love Nickelback Shaq is our Thompson Trey young hypnotized Taylor Hendricks Tracy McGrady. I just won their jams ass Dance the GZ Lively now playing Kobe Brown John Collins Kevin Durant and base Hello, Ramars Did I remember I remember speaking of like goofy off songs There was this one guy who made like this like this like Hawks hype song to like When like the Hawks the Hawks sucked at this point This was like before Trey young but after the 61 season so like part of it was like One of the lyrics goes shrewd or Torian Prince and John Collins, and I'm like, oh my god, dude Why are we making songs about them, bro? I think the trout one-on-one is still out there Yeah, trout trout one-on-one. I believe is still out there. Yes. Kobe was pulled Yeah, Kobe for sure was pulled I'm trying to think in the other one. I don't remember loha Ramars. Hello. Hello. Ramars Fourth quarter yelling why the doom the two men chill on Nicholas Batum, bro Frenchman love Love me some Nick. I got a Nick Patum jersey man. I got a Blazers Nick Patum jersey number 88 $10 Who is cheesy? It's like a rapper Keep a jumbo box feel they're a hop jumbo for sure. Yeah jumbo Bumbo Bumbo wing wing. Oh six-way Sakurado got pulled too. Yeah, then yeah That was cool. That was a joy bar one-on-one still out there have to be waiting a long time Yeah, I don't think it'll show up this weekend. Yeah, I don't know when I'll show up But keep us in the loop if you do see it though. Keep us in the loop. Well, that's a gym Say that's a Jalen Suggs to 199 Keep an eye out for a redback here really quick. I don't think there's any but Good luck everybody case on Wallace foil the jaw No, that was good Might have been on this one. Yeah, I'm in Thompson. They're very welcome Hunter Tyson. They're lively Phillips base Jason Tatum Derek Whitehead and Cam Whitmore foil rookie Lundy pain RJ Barrett rode in the finals to 999 He won me a bet yesterday. So I'm in on RJ Barrett right now. It's cool fluid Ozara Thompson With what game did he the heat blew it? Oh the heat blue. I thought you said he blew it Johnson jaw and Jamie Jax jr. T Wolves case on Wallace Amen Thompson the Rockets GG Jackson GG GG. We got next Maxwell Lewis Jerry's Walker LeBron Amen Thompson rookie Marcus Sasser Max's prosper shea on the purple for the thunder This is our Thompson to the instructor know a clowny nice one there. Yeah, laugh it up clowny That's on that Nets Jet Howard. What's up? That's good one Patrick will Patrick will yums Brandon Miller Shrey Straight again I'm at Goya Blah Kulabali and The Deadpool caution good Lord, I'd be scary Great dick trailer Brunson Chris Murray purple is hunter Tyson Almost there. Where we at? Where we at? Where we at? Let's go baby. Let's see. Let's see. Let's see Unchepard Zion on the 2012 throwback foil We're at 38 38 39 39. Let's go. Let's get to 50 likes John Moran. Thank you, Timmy Appreciate that Taylor Hendricks D-Wade Jamtastic Jamtastic man Jones Kyrie and base Don't know how to do that on phone Fortnight dance at 50. Yeah, Jake will fortnight dance at 50 that was that is confirmed. I got what you like. Yeah Don't put up a fine Put you on the fly. Yeah, right age for the spot tomorrow Jeremy be with four spots in Star Wars Thank You Jeremy 11 11 over halfway now 11 to go everybody Thank You Jeremy appreciate your brother 11 to go y'all on Star Wars Let's go figure it out. Let's go baby. That's an accomplishment in itself. Let's go drive 43 now seven away all seven away from 50 to get Jake to do the best mates in the background. Oh my god What's going on in here, I don't know Open hoops and losing it Hoops will do that to you because how much bass there is Start going off on tangents Do I used to play them all the time Hello Taylor and Shelby from on gaming k-pop when you pull skiing autos What's up Taylor and Shelby? Oh, yeah, how we doing? It's our Thompson And they're streaming over there right now. I just won their pistons on the presentations Yeah, if y'all are into like TCG and stuff and Pokemon go check them out. Yeah, there's a lot of fun They're on fanatics live, right? Yes. I don't know if I'm fanatics live right now, but they have a fanatics live channel Yes, so just look up late in gaming We also have a retail store in all spots, right? Yeah retail store Yeah, anyone wants to buy Star Wars VHS original set Jared Allen on the red back. I Just went there for the Cavaliers James in the spot. Let's go down to ten. Let's go go guys. Let's go. Thank you. Thank you and to go Or jigs the best mates 44 44 six likes Just fanatics got you. Yeah, they're not really on YouTube too too much anymore once in a while. They will be Well, they are live right now. Yeah, they're quite head. I figure. That's why Tim said Right sense of a gritty dick Really, that's what's gonna make you chuckle just saying his name for that immature Well, I keep replaying every time you pull over and said earlier Luca Donchich junior Vanderbilt Taylor Hendricks Ben Shepard and Luca Donchich GG Jackson GG GG GG Cape Cunningham Kanye Jake Bob West. Yes Jeris Walker Rudy Gobert LeBron Marcus Sasser Livia Maxon's Prosper Yolkich Jax Jr. Oh Man Scoop attack the rack Hunter Tyson Zach Levine Julian Phillips Jason Tatum Ludort the door to chamber 2199 Just gonna be the late in intro. It's gonna be beep beep beep beep beep Mohammed Goya Amen Thompson rookie ready Richard Boy on big Donovitch bogey ice one there congrats pistons bogey inbound Tango suckle while pull the ball even scarter Jordan pool great dick Desmond Bain to 75 Wow Chris Murray Ant-Man case on Wallace jet Howard Zemsky as our Thompson Shrother purple Kobe Brown rookie clips Collins Colby Jones Jet Howard now playing Jeris Walker foil for the Pacers Brandon Miller Nikolay Yolkich fantastic Dwayne Wade and Andre Jackson more Yolkich hypnotized this time How so strive? Trey young Jalen Wilson Kobe Buffkin peer shooter Kobe Buffkin PS buff as we're calling them now PS buff So P. F. Chang's PS buff Yeah, super similar it both just start with a P It's similar short. Oh names as our Thompson for the pistons What did Vaughn say that one's gonna be modded Are we losing we're losing are we losing it? I was losing Red back Josh for not second year. I'm not being able to see it. Go to YouTube chat. Go to YouTube chat with Vaughn say Well, you can't see it. Can you I can I'm here you can because we're the owner. Yeah, but he How probably already great deal on Black Friday, but wasn't paying attention. What was that JG? It's not bad mill. Oh Get him out. Oh Oh Get it now. I get it It's just a name It's his actual name Very true. Here we go.  Nice. The chaffino Chris Murray Anthony Edwards case on Wallace John right there's a problem that the problem with this is we're gonna have this for an entire year now It's not good, dude GG Jackson purple palace Forest warned us. He did He did Jairus Walker max Christy green the 99 Lebron Marcus sasser Julien Strother Yeah, would be disrespectful Libya Maxon's prosper Nicola Jokic Jalen Brunson is Jordan Walsh Donovan Mitchell extreme team When Minyama when Minyama Julian Phillips Scoot Henderson rookie. I'm an Thompson rookie Would be very disrespectful to not refer to That's Garnett Jordan Hawkins Cam Reddish Brandon Miller gritty Pretty dick. Yes Maxwell Lewis max Christy Nicola Jokic AI Yanis on time to Kumpo to 1.99 Jonte George. Yeah, I know a clowny. Laugh it up clowny Damon Miller going here Trey young Jalen Wilson Shea Whitehead Wendy can't a George nice one there jazz nice rats on that There's a gonna keep getting shipped to you. I would try to pick it up tomorrow for sure Let's drive boy a purple Mason Plumlee hula Bali Nicola Yoke chip that eyes sense of awe a clay below hula Bali Ignition base base purple rookie of Jalen pick it Julian Phillips Jason Tatum Brandon Miller Podzemski Amen Thompson rookie Strother rookie Brandon Miller rookie We got next Jalen hood Shafino and base All right, seven boxes down three to go Jake. Let's go seven down three to go everybody good giggling at Losing it AD Redback For the spurs or the Sun's nice one there Which I did James Harden on the Redback as well for the Sixers You got good food. They do they really do Jalen hood Shafino on the presentations Just one there for the Lakers should should you're right true Facts man facts Geez, dude I got scammed into buying go gators scams into betting on The law cool Bali Vince Carter literally scammed into betting The Florida State Seminoles scammed Chris Murray Anthony Edwards case on Wallace Are your own? GG Jackson makes mid-junior, but my own like crew dude. Yeah Jairus Walker One coming to rent Parlay them That's our Thompson their glider. They can still cover To 999 that is gonna be a Kevin Durant And it's just one thing left one one break left strive Nick Smith jet Howard just Star Wars Just that was James Najee and Devin Booker Just 50 bucks a spot Now they had a couple. Yeah, thank you there Scott took three and Michael took one tomorrow. Thank you guys Seven ago now 70 going Star Wars Yes, I got I just saw him Scott just saw him come through Cuz there's not like the Florida's not starting all their starters either. I got a couple guys out of Scoot Henderson Luca Donchich to 199. Thank you Scott. Yeah. Thank you Scott. Appreciate you brother As always Trey young and Jalen Wilson got a Devin Vasell to 75 Jonathan, what's up, brother? Man KG Jordan Hawkins Cam Reddish James Najee boy One man Yama Maxwell Louis rookie Sheesh of KD Tamari Kamara Shaq Purple Donovan Mitchell on to the next one. Yes. I know Grant Merz for Florida, right? Played gaming as do what singing going on.  We were as our Thompson Strother Philip Petrussev nice one. They actually just signed overseas for the Sixers Went to Thank you Vaughn for telling me that Mari Bailey Mission can't a George on with the facts along with the the knowledge bombs here Jordan Walsh Christian Vukovic Duncan Mitchell He always does pretty much. Yeah, Brenda Miller rookie anti-gravity Levine When Minyama when Minyama purple Marvin Bagley, I Get the I get the I get the Marvin Bagley I get the Marvin Slipping in time a little bit that is Joel Embiid Yvonne old farms. Oh, yeah, Yonte Johnson.  Potsmecki Victor when Minyama we are doing personals after I mean I there should be room I would say most likely Strive now, I didn't get scammed Kyle and one of our other buddies was shite told said that they're betting on Florida States They said they're ahead he just followed the group I did They're both better at force betting I am so Usually it would make sense to do that you get the bag and fumble it.    Absolutely Brown cam Whitmore and Brandon Miller attacked the rack Anthony Edwards case on Wallace Wemby sheesh James Najee the cell ignition of the jet tower GG Jackson That's true That's true. Al Horford went to the went to Florida. Let's go Gators, baby. 299 is Wendell Moore Jr. Hawk legend Jerry Swalker LeBron LeBron again Marcus sassar Kmart I'm just doing it to troll Kyle strive You lot oh nice. That's awesome dude. Zach Levine. Hi voltage up Chris. How you doing buddy? What's going on Chris? How you doing, man? Trust me? I'm a knight of art man charge on baby Charge on Maxwell Lewis Christie Keontae Johnson Dick Murray bright sense of all rookie auto going to the jazz jazz. Yeah jazz. They're well man cow three autos, right? I'm in Thompson. Yeah, Jordan Clarkson County George is really good to Kamara Shaq Azar Thompson Steph Curry They're lively purple about Ibiza Zubak Luca and Nick Smith Jr. Sixers non-legend as well true six or bad contract screw Henderson KG D. Wade purple Zach Levine City Edition Goya Dear and Fox Nice one there Very nice one more box here everybody you bowling. Hopefully Get my purse. Let me take a look really quick James. Yes, you did certified very nice. Thank you, buddy Nick P with a couple of spots tomorrow. Thank you Nick couple of mega dual case spots That's case on walls But certified. Yep. I got you man. That is a Highlights of LeBron all-time scoring leader.  Yeah, we're almost there almost there Last box here everybody last box Almost there almost there. I just won there Lou d'Orte Redbeck is a case on wall. It's on the presentations for the Thunder Seven ago now on Star Wars seven ago on Star Wars everybody. Yeah, so I'm gonna go Almost there seven seven spots have come in. Tago. Tago. Tago VVVVVV. No bees tonight I know surprisingly you cut down on your bees. I have I Have not now. I'm not pulled any one B red bags. That's gonna be going next. Yes, there Jimmy Use the force that is Who's that brook Lopez on the purple? Bola Kula Bali Carter KD Chris Murray Butler Luca Donchich to 199 Get Howard D. Wade Ryan Rupert Brown Anthony Edwards Amen Thompson rookie Steph I'm like big character autos and like big character parallels. Yeah, there's a lot of parallels and stuff Like the normal kind of top scroll and like goals to 50 and Whitmore rookie Oranges at 25 writes to ten or five Super frackers. What's the 10 of them like pink, right? Magenta of some sort. Yeah, magenta Buffkin Jason Williams white chocolate for the sick. That's awesome for the Kings. Nice one. They're Sacramento Yeah, so like parallel wise like Obi-Wan Anakin Purple John Collins Yoda Han Solo Stuff like that like big name characters and autos. Yeah They have like They have had me out of there. I didn't know they had that. Yeah, that's pretty cool Top scum card. That's just like a variation Of the the like all that everybody who made the all-star game They made like an additional card for as well Scott for those Seth Lundy Sensible Andre Jackson purple Things wise man. I'm in Thompson Jalen pick it case on Wallace. We got next money baits Brandon Miller Allen Iverson Ryan Rupert Yannis foil Jantastic Keontes Johnson now playing Jairus Walker Noah Clowney Marcus Sasser and base. All right quick recap here everybody. Yeah, true JJ. Very true We've got a Green Wendelmore juniors in 99 as well as Max Christie Danny Green Norman Powell and Anthony Black to 75 Desmond Bain Cheshontate that is Trey Jones Devin Vacell auto Josh kitty by on Boganovitch Nicola Jovic Jordan Clarkson Philip Petrucsov or Petrucsov Jalen Slosson Bryce Sencebaugh Keontae George Jason Williams and Noah Clowney Do it for the break everybody. Thanks again for the film up next is Skybox Metal Universe


We're at Zat Sao in the jikun here, so it's just a straight punch towards the solar plexus of the person, so it's combined with the Zat Sao and the straight punch here. Next we'll talk about the three types of palms, it's the Jing Zheng which means the straight palm, there's the Tang Zheng which is the diagonal palm, and then the Dai Zheng which means the low palm. So in the form you see this happening, we have the Gao Sao and then the low palm, we also have the Gao Sao and the straight palm here.


Raif Derrazy here and today I want to talk about something that I do for my face. I get some comments now and then about my face and my complexion and how smooth it is, how clear it is, and then how young I look. A lot of people are really surprised when they find out that I'm 34 years old. I'll be 35 in May so I wanted to share some things that I do with my skin in my regimen and I'll do that over the course of some videos but for today I want to start with one thing that I do and it's this. It's called Aztec Secret Indian Healing Clay. Someone gave this to me as a gift one time and uh so yeah I've been using it since then. I love it. It's really cool, really great and it's cheap and by the way this is not a sponsored video. This is just something that I actually have in my stock and what I use. So yeah it's really cool like if you look on Amazon it's got really really great reviews. It's super cheap and you basically mix that with some apple cider vinegar and then it turns into this really nice clay mask. It's one part of the powder and then one part of the apple cider vinegar and I actually already mixed it together because I wasn't thinking. I wanted to show you guys the whole process but I mean it's pretty straightforward. That's what it looks like when it's all good and mixed together. Now I'm going to start applying it to my face. Okay as you can see I have it lathered all over my face and the thing is I only used an ounce of the powder and an ounce of the apple cider vinegar and I used about half of it. I mean a little goes a long way and I caked it on. It says to let it dry for about 15 to 20 minutes. So I'm gonna go ahead and do that and I'll be back. Okay so it has dried down. As you can see check out all this cracking. It feels insane. It feels so crazy. The amount of like pulsing that I feel in my face and like cold and tingling is like crazy but yeah you just have to try it. There's no way you could know what this feels like until you try it. So now it's time to wash this bad boy off and see what's underneath. Hanuki I'm gonna wash this off.   Okay here it goes. I don't see it really caught in my double. Okay so I got it all off. The skin's looking nice and smooth. So I've got these acne scars here from when I was in my teens and then I have this like chicken pox scar right here. I've always had but other than that it looks really smooth.  It was really intense. I closed my eyes for like five minutes just to relax and it was like it like took over and it was like intense. I'd open my eyes again. A lot of people I've noticed have like red effects on their skin. I'm not seeing a whole lot of red so I mean that's fine. I'm not complaining. It does feel like almost like a sunburned sensation up here on my forehead which is really interesting. Yeah there you go. There you have it. So I do that like I don't do it very often so maybe like once every month or once every two months but I really want to start doing it more often at least once every two weeks because I've just read so many positive reviews online. It really does. My skin feels really good afterwards so but that's a basic thing I do for my skin. If you want to see more of this kind of stuff there's a lot more products that I use as well and I'm down to go through all of that. If you guys are interested if this is something that's up your alley or if you want to see something that is more lifestyle but not necessarily like my skincare routine maybe like my meals or like how I get ready in the morning or anything. I'm open to suggestions. Let me know. Leave a comment down below. Like this video if you liked it. I want to hear from you guys so you know just branching out a little bit trying out some new stuff. Let me know what you think.


My name is Maryam and Barry. I come from Libya. IRM helped me because I was struggling in Libya. For some more than six months, I come with the help of IRM. I am now OK. Well, before I was selling, my dad opened a small boutique like this. In the morning I go to school, after school I come and do some business. So I just leave everything and I'll go. I just feel like, because I see most of my friends are going, so I just follow them. When I was in prison, the IRM people booked a flight and come with me to the Conakry and help me with some business to start up my life. I was with my kid and my younger brother. Both of them are in Syria. Well, when I wake up in the morning and come and open the shop, do my domestic work and sit for the rest of the day and sell. After that I go home back. The job is OK because if I sell for the day I divide it by two. The one part I keep it and the other part I buy some food again. I believe with the help of IRM and my own contribution towards the business, I have the determination that in three years time my life will be normal as before.


RCA Victor, world leader in radio, first in recorded music and first in television, presents transcribed the Phil Harris Alice Faye Show.  America has always had some of the keenest business minds in the world. Mines of men like Henry Ford, David Sarnoff, and Bernard Baruch. On the other hand, it also has minds like Phil Harris, but more about that later. First a word from RCA Victor. Now, from RCA Victor, world leader in radio, comes a great new achievement in radio. Now, RCA Victor brings you the remarkable tone and sensitive reception of a large radio in a table set only six inches high. This tiny set, RCA Victor's new personal table radio, actually outperforms many larger costlier sets. Offers you the finest listing with the world famous golden throat tone system. Only RCA Victor could bring you such wonderful performance in such a compact table radio. See and hear this tiny new table model first chance you get. You like the convenience it offers. Since it is personal size, it can fit conveniently on almost any table or shelf. You'll like the beauty of its modern style cabinet, which makes it an attractive addition to any room, home, or office. And you'll certainly like the low price of this brand new RCA Victor table radio. It's only $29.95 plus tax, slightly higher in the far west and south. Choose the tiny dependable personal for yourself, or for a wonderful Christmas gift that keeps on giving. See the amazing new personal at your dealer's tomorrow. It's RCA Victor's newest and smallest table radio with a famous golden throat. And now the stars of the RCA Victor program, Alice Faye and Phil Harris. Alice and her brother William are discussing a matter of importance, and they've locked themselves in the den to ensure privacy. Even Phil and Elliot have been barred from this conference. Elliot, I wonder what Alice and Willie are talking about that could be so secretive. I'm worried. Curly, don't let it bother you. It's probably something very trivial. Like what? Well, like how she can get rid of you without splitting community property. There's no way she can do that. Besides, Alice is not trying to get rid of me. This thing is driving me nuts. I can't imagine. Well, if it's driving you nuts, go in and ask her. Assert yourself.  You're right. No wife is going to treat me like a child. I'm going in. Now, Willie, I think we ought to... Alice, I think it's about time that I told... How many times have I told you not to interrupt when two people are talking? But, Alice... Just for that, you can't see television tonight. Oh, gee, honey. Space patrol is on at seven and not waiting. Alice, I want to know what you and Willie are talking about. We're talking business. I'm thinking of investing in a shop. Well, then why are you talking to him? You want business advice, come to me. I got a good business head. That head of yours hasn't got a brain in it. I've got a lot of brains. And he can prove it. Go ahead, Curly.  Let him hear them. Look, Alice, if you have an investment to make, why didn't you consult me? Well, let's face it, Phil. You're a wonderful husband, a good father, a fine musician.  I don't think that's very respectful. I know just as much as your brother... You do, hmm. Tell me, Philip, what is your opinion on bonds for a suburban project that's guaranteed by the government? An excellent investment. Why? Because any bourbon that's bonded by the government has got to be paid. Well, that's just what I expected. Phil, would you please leave us alone?  Oh, very well, very well. I know when I'm not wanted. Come on, Elliot. Oh, that woman. Someday she's going to drive me to drink. Why wait for her? I'll drive you. I know a place where they serve 10-cent highball. What'd they do? Raise their prices to keep the riff-raff out? Now that they're gone, Willie, let's get back to business. I think this antique shop I want to buy is a very good investment. But Alice, why buy an antique shop? You don't have the time to run it. I don't intend to. I'm going to let mother run it. Oh, I see. Where is the antique shop? It's at 5,500 East Main Street. Wonderful location.  Now you'll notice that last month they didn't stick to us. A man getting chased out of his own house. How long does she expect me to stay out here on this lawn? The fine thing when a wife won't let her own husband help her with her investment. Yeah. She's got an investment to make. I could do a better job than Willie. If there was only some way I could find out what she's investing in, then I... Hey, Elliot. I think there's a way I can find out. How? The den window is open. Shall we tippy-toe up and drop the kneeves or two? Curl, you're asking me to peep in windows? This is something I draw the line at. I've never done a thing like that and I will not... Would you be quiet? This is important to me. Now let's walk up to the window. Curly, that's not the way to do it. We have to get downwind, wiggle up to the window on a stomach. Then we stand up, camouflaged, as a bush. And then we're ready to peep, eh, Tom? Come on. All right. Now look, be quiet. Quiet. No noise. Listen. Well, this financial statement looks fine to me, Alice. Well, I told you. It's a wonderful business and I'm going to buy it. Now I want you to close the transaction. Here's a signed blank check. See if you can get it for about $800 down. Leave it to me, sis. I'll go right down and see the man. Oh, by the way, what was the address of that store again? 5,500 East Main Street. 5,500 East Main. Right. I'll call you as soon as I close the deal. And don't forget, don't pay more than $800 down. Did you hear that, Curly? She's going to buy a business. Well, never mind that. Willie's got a blank check signed by Alice Fay. A man could rule the world.  I wonder what kind of a business she's buying. I don't know. But why does she have to send Willie? I could get it for a better price than he could. I wish I had that blank check. That could be arranged. We roll them, huh? Don't be vulgar. Just keep this high class. When he comes out of the house, you jostle him and I'll pick his pocket. Yeah. Hey, wait a minute. Hey, wait a minute. Do you know how to pick a pocket? It's what I majored in at college. Here it comes out the front. Yeah. Let's just take a little piece of him, but be nonchalant about it. No two people have ever been so in love As my macaroon and I. And when we kiss. And when we kiss. Well, it's like this. Well, it's like this. It's historically. It's hysterical. Let me tell you. I certainly don't. What are you two fellas so happy about you'd think?  Well, it's a good thing I was in back of you to catch you.    Now get out of my way. I have an important mission. Goodbye. You get it? What do you think? Here's the check. Good. And his watch and his wallet. Leave those here. All right. What should I do with his vest? Leave that here too. Okay. But I'm going to keep his socks. I always wanted Argyle. You didn't pick him. You peeled it. Now let's get out and buy that business for Alice. Hey, wait a minute. What was the address of the store again? 800 West Main Street. 800 West Main Street. Got it. And we shouldn't pay more than $5,500 now. Right. Hey, let's go down in my car. And while we're riding in the car, we'll turn the radio on and listen to one of my records. What makes you think one of your records will be on the radio? Don't ask questions. I've just got a feeling it'll turn out that way.   I don't think it's a crummy neighborhood You don't Well let's look at that building across the street That's the worst looking rat trap I ever seen That ought to be condemned It has been How do you know? I got my eviction notice yesterday Look here's West Main Street Now look at these numbers There's 794, 796, 798 uh oh there it is 800 So this is the shop Alice wants to buy Hey she's getting smart This is a real good business Yeah but I wonder why Alice wants to buy a pool room Well let's go in and buy the place Look wait a minute now let me handle all the business details I'll get this joint at the right price Well I did it Elliot Here's the bill of sale Alice is now the proud owner of a pool room Hey you gotta admit I drove a shrewd bargain You sure did Curly I know what I'm doing every minute Alice wanted to pay $5,500 down I got the whole thing for 8,000 I really had to talk to that guy in the cell and you know He wasn't too anxious to let it go Oh I noticed that There were tears in his eyes as he grabbed the check Jumped into his helicopter and took off Do you think we've been taken Curly No of course not The guy was very honest He told me if I wasn't happy with the place he'd buy it back He left me his phone number if I want to call him Maybe I misjudged him What is his number Number? You know he wrote it here on this card Let me see It's Outer Mongolia 780 I wonder if that's a toll call Curly I don't like to put a damper on this deal But we've been here an hour there haven't been any customers Yeah I did notice that But they're Hey you jabs you want to play some pool No thanks thanks I just bought the place I own it Hey you must be my new boss I managed the journey You're gonna make a fortune here Yeah I hope you're right But I haven't seen anybody playing pool Nobody ever plays pool in here Then how am I gonna make a fortune From your bookie joint in the back Well as long as we got something going bookie joint Elliot did you hear that Alice is buying a horse room Why She probably owns all the others in town and wants to add this one to her string Oh no I'm married to the queen of the underworld And she told me she made all her money in pictures She did photo finishes She told me she made it in the movies Did you ever see any of her movies No they were before my time But mothers saw every one of them No this is impossible Elliot Alice don't believe in gambling She didn't know about the bookie joint I'll guarantee Hey look bud I want that back room closed up My wife just wants the pool parlor You're kidding No I'm not this is disgraceful A shocking state of affairs Come on Curly let's get out of this horrid place Yeah I never knew they had places like this Elliot you're walking the wrong way You're going toward the back room I know I want to make a bet before you close the play We ain't got time now you can phone her then Come on Elliot we're going home and tell Alice we bought her her pool room I'll bet you'll be proud of you when you tell her the good deal you've made Yeah and I got another idea Excuse me fellas could you tell me Well if it ain't the schmoes of Kilimanjaro I don't look now but the barracuda is in back Tendon Awaino convention Be snide we're here for a very good purpose What purpose I just bought my wife a pool room Oh that lucky guy She'll be very happy I bought it for Naturally a woman's a fool to be without her own pool room I want this pool room That's understandable this'll make her the envy of the Pasadena women's Nitin and keep one foot on the floor society One thing Mr. Harris you show imagination What do you mean Most men buy their wives stupid things like fur coats and diamond rings But not you joy boy All right now what's wrong with a pool room Nothing but you could have bought us something more practical Practical like what Like an old drawbridge For a second hand fairy slip Look kid there's nothing wrong with my wife on in a pool room It's a lovely place It's got eight tables two pinball machines And a bookie joint in the back He bought his wife a bookie joint What are you talking about You'll have the joint raided She'll be arrested and while she's into hatchery It'll give you a time to She wouldn't do a thing like that And that's a very nasty thing to say It certainly is Besides wouldn't do him any good He already looked when Alice was in the hospital having a baby Never did find the money did you curling How could I she took it with her We'll never forget her lying there in the hospital bed with a little bundle in each arm One pink and one green Oh buddy he's crazy about Alice and wouldn't want to get her into any trouble No Always around Besides we closed the bedding room Oh that's right Now let's get home and tell Alice that we got her the pool room come on I got great news for you Alice Oh tell me later Phil Something terrible has happened I gave Willie a signed blank check and he lost it Now I have to call the bank and stop payment on it That won't be necessary The check that Willie lost was found by us Also his watch wallet vest and socks Oh thank goodness you found the check Where is it Don't get excited honey Look we overheard you telling Willie that you wanted to buy a store So we took the check and went down and bought the place And honey I want to thank you for buying a place like that for little old me Well I didn't buy it for you I bought it for my mother She's gonna run it Your mother What is the hostess of the farmer's market know about racking a pool ball What a pool ball's got to do with running an antique shop Well everything if she's gonna run a tilt Antique shop I believe that's what the lady said You bought the antique shop at 5500 east main street didn't you Well uh no no no we didn't buy that one We bought the antique shop at 800 west main It's a much better place Far superior Oh well I wish you hadn't bought it Your business sense is oh well before I complain I'd better go look at it I'll walk stairs and get dressed and be right No honey not today don't go today you won't want it I Oh we bought the wrong place Now wait till she gets down and sees it's a pool room Oh Elliot what am I gonna do I suggest you kill yourself In the excitement she might forget about the pool room Just slash your wrist You cut it out I Hey wait a minute I got an idea look I'll keep Alice here as long as I can Meantime you go down there and make that pool room look like an antique shop What Cover the tables move in some old furniture and put a lot of old junk around This the shop you bought looks kind of run down On the outside yeah but wait till you see the inside come on let's go in Hi Curly hello Alice Elliot what are you doing here Oh Curly told me to take care of the store till you got here How do you like your new place Well it's awfully dismal and I think the antiques in the other shop were much nicer Oh well Alice don't be hasty why don't you look around the rest of the place All right I will Phil, Phil you bought a lot of junk This furniture is the most broken down dilapidated stuff I've ever seen I resent that I took this furniture out of my own apartment I think it's lovely me too Some of the nicest driftwood I've ever seen What is it early Pismo Beach I've seen antiques like they have here What's this big table here with the with the green cover Holy smoke I forgot to cover one of the pool tables Well what is it Oh oh that uh that uh that's an antique eating table that belonged to Henry VIII Well what are these six holes in the sides of the table that look like pockets Ohs oh well uh oh well I can explain that You can I can't wait to hear this one Honey those are bone catchers Bone catchers Bone catchers Yeah bone catchers You see Henry was a sloppy eater He used to throw bones over his shoulder so his wife put pockets on the table So he'd have some place to put the bone If she believes that you better get yourself a new wife Well Phil what are you giving me these stories for that's a pool table It is Oh you must be mistake of course she is what would a pool table be doing in a pool room Pay no attention to him honey you can see it's an antique shop and nothing else Phil Harris you didn't buy me an antique shop I've got a pool room Don't forget your horse room in the back When I get my hands on you two Elliot this is our cue to get out of here let's go Curly I'm right with you open the door I ain't got no time for that But first a change of pace as we hear a new Red Seal record release by RCA Victor listen Recognize it it's the classic overture to the Barber of Seville Magnificently recorded by the NBC Symphony Orchestra under the magic baton of Arturo Tuscannini And on this same RCA Victor 45 extended play record Tuscannini conducts a second immortal selection the magic flute overture And the wonderful part is this single record with both overtures can be added to your Library of Great Music for only one dollar and fifty cents Buy it at your RCA Victor dealers tomorrow and while they're see RCA Victor's new Victrola three speed attachment it's the world's easiest playing three speed record changer The center is the secret slip on the large center spindle and you can play your 45 rpm records automatically slip it off and you can play other speed records automatically See the new Victrola three speed attachment at your RCA Victor dealers tomorrow We're a little late thanks and good night folks. Good night everybody Included in this program transcribe was Herb Bygren the part of Julius was played by Walter Tetley. Hey Alice what record you got there my latest RCA Victor hit High Diddle Diddle Well no Phil it's Frankie Calls new RCA Victor album of Top Pops Frankie Carl what does he sing Okay, okay, so he plays the best piano around. Let me see the selections Auf Wiedersehen sweetheart wish you were here Say there eight big hits sure Phil and Frankie Calls album of Top Pops is available on all three speeds at RCA Victor record dealers Tonight here to Lula on theater guild on the air over NBC


Good morning. Good afternoon and good evening, depending on where you are joining us today. Welcome to this discussion. I am Andre Belliou with the World Economic Forum. I'd like to first of all thank and welcome all of our four members joining us via top link, but as well to all of you who are joining us live streaming on our website around the world. Today's panel discussion will take place in two parts. We'll have a 30 minute public panel that we are recording, which we'll follow shortly, and then a private dialogue for four members via top link that will happen immediately following that. The COVID-19 pandemic is the latest reminder that we face a series of risks that are increasing in both frequency and severity. Building greater resiliency to these risks, whether they relate to climate change, technology, cyber, security, pandemics, social unrest, etc., has become more important than ever to build a more resilient, prosperous, and sustainable world in the future. Today's discussion, reassessing corporate risks and reinforcing resilience in the post-COVID world, will focus on how stakeholders can deliver against this imperative, and in particular the vital role that the private sector can play. This discussion will build on several initiatives that the forum has been undertaking over the past year to identify solutions, partnerships, and frameworks that will allow our economies and societies to confront future shocks on sounder footing. Our annual global risk report, for example, which you may have seen was published last week, that identified societal fractures, environmental degradation, and geopolitical fragmentation as some of the main risks facing us in the year ahead. Our COVID-19 financial services response network, industry groups like our insurance and asset management industry action group, which have looked at action plans and concrete measures that different sectors can take in order to build greater resilience, and you'll find some of these reports on our website. In addition, our transformational investment initiative in partnership with the institutional investor community that looks at collectively how the institutional investor community can champion long-term thinking and to constructively tackle complicated problems all while pursuing attractive risk-adjusted investment returns. And finally, last but not least, the Coalition for Climate Resilient Investment, a COP26 flagship initiative, multi-stakeholder across the private sector and the public sector, looking at how we can better factor in physical climate risk into all of our investment decision-making, particularly over the next decade of delivery of the SDGs. So this is a very important topic. It's one we're discussing quite a bit, and it's also a very complicated one. And for that reason, we are thrilled to have with us today a distinguished panel to talk through many of these issues as we're facing them today. And we're also thrilled to have Hugh Vanstein joining us today to moderate today's discussion. Many of you will know Hugh from his time at the Bank of England. Currently, he is the Group Managing Director, Chair of Sustainable Finance and Senior Advisor of the CEO at UBS. So with that, please let me turn it over to Hugh. Hugh, thank you for joining us and moderating today, and we look forward to a great discussion. Thank you, Andre, and welcome to you all for this outstanding panel. As Andre said, reassessing corporate risk and resilience. It's today's world of rapid change, whether geopolitical, tech disruption, or risk like the pandemic, no company can prepare for every contingency. The risks are simply too varied, interdependent, and difficult to prioritize, and I think that's why I'm very delighted to have such a terrific panel to try and sort through the existential risks from the operational ones to think how we build resilience, and how we also think about bringing investors and stakeholders with us. Some of the topics I think we're going to try and unpick in the next 30 minutes are how big a risk is climate change, and how best to manage the transition to a net zero economy, how challenging is tech disruption, cyber risk, how the geopolitical fault lines that we need to be worried about, or are there things which are really in front of us, like the inequality crisis or the looming pensions crisis? So I'm really delighted, therefore, to have such a great brains trust. Dambisa Moyo, global economist at Malstorbrug, Mario Greco, Chief Executive of Zurich, and John Haley, Chief Executive of Willis Towers Watson. Dambisa, let me start with you. What are the big risks on your mind for corporates as we head into this, hopefully, post-COVID economy? Well, thank you so much. I'm delighted to be able to participate in this panel. What I think is really critical for people to understand is that even before COVID hit in earnest in 2020, we were already in a pretty precarious place. First of all, because of a low growth environment, which has not changed. In fact, one could argue that it's been catalyzed by what has happened in the last 12 months. But in addition, we were in an environment in which public policy had been largely become impotent. Monetary policy in very large important regions of the world, like Europe and Japan, was already in negative rates. But also we were struggling with debt and deficits in the aftermath of the financial crisis. And then of course, there are a whole slew of factors such as climate change and income inequality, the risk of technology and the jobless underclass, issues around natural resource scarcity, and the sheer amount of debt that the global economy, but more specifically households, corporations, as well as governments, was carrying before COVID hit. We've now been put in this very, very urgent position where I think my deepest concern from corporations is where do you allocate capital in this sort of environment? We know the arguments and the concerns that corporations have tended to pay out dividends. If you look at the dividends to retained earnings ratios, it hit as high as 100%. In other words, they're not reinvesting or investing in the future anywhere near as much as we would like to see. But beyond that, companies have been trying to navigate this tension between the traditional view of financial shareholders being primacy and thinking more strategically about how they can earmark capital in a world in which stakeholder capitalism becomes much more predominant. So there's a whole confluence of factors. These are really deep-seated factors that traditionally we thought of as being long-term. But obviously, now, in addition to just trying to stay afloat from a financial and operational perspective, these issues have become very much front and center to boards and corporations at large. Thanks, Tambisa. Maybe, John, maybe I'll come to you next. As you frame these issues, what are the big risks on your mind for corporates? Yeah, so thank you. And just following up on what Tambisa just said about how these risks are becoming front of mind for corporate boards and for management teams. Let me just go back to right pre-COVID. Aion has been doing this global risk survey for decades. And when you look at that global risk survey of the top 10 risks they have, about half of them are ones that I think by any measure were not insurable. By the way, if you look at in 2019 where pandemics or health crises ranked, they were number 60 among top corporate managers. So it gives you an idea of how people thought about that. But going into 2020, we found 24% of respondents said they quantified their top 10 risks, only 24%. Only 20% used risk modeling, 10% said they had no formalized process in place to identify risks. And I think what has happened with COVID and the impact of that is it has changed the way corporate boards and it's changed the way management are beginning to think about this. Resilience is no longer something that is a side light. It's going to be one of the key things that a CEO and his management team is charged with thinking about. And so they're going to have to do more work in terms of identifying this, in terms of modeling for it, particularly scenario modeling. And I think boards are going to want to hear more about this. The way I tend to think of this is that in the past resilience was just a cost. You could invest in it and it was cost. I think increasingly it's going to be looked at as an asset. Because these long tail risks that we're talking about, nobody can know specifically what the impact is going to be. And what you're really going to have to do is build an agile and a flexible organization that can adapt to these different things. And that's nowhere more true than in climate. I think one of the other consequences of the pandemic and particularly lockdowns is that it has forced people to think about these large scale changes that affect all of society at the same time. Climate is chief among them. And I know one of the things we're going to talk about is the role of the private sector and working with the public. But a private public partnership is the only way to tackle climate risk. Thanks, John. So Mary, if I come to you now as well, just to open up, how do you see the large risks? Obviously, John picked up some of these risk-run insurable, running a large insurance company. Fascinating to hear your perspective. I very much agree with the visa that COVID hasn't changed. The things that we were living before COVID or the fractures exist today. Actually, I think COVID has given us a good way to look at the solutions. Because during the past year, what we did is we acted together, private and public, between individuals and governments. We tried to tackle the issues and we tried to find the proper solutions. Now, at Zurich, we tend to think about the situation we're living in as if we have three challenges ahead of us. One is climate. The other one is the future of work and the sustainability of the labor contract with everyone in the world. And the third one is the cybersecurity, our capabilities to drive technology in a safe way. And we're trying to contribute to the communities and to the societies for each one of these three axes. But also, we're working with our customers and employees trying to support them, overcoming the challenges of these three risks. Again, as COVID has demonstrated during 2020, we cannot outsource the solution to governments. It's just too complicated and just too, it takes a long-term vision to address these issues. And governments typically don't have it. But neither the private sector can resolve decisions by ourselves alone because we do not have the capacity and sometimes we do not have the resources to do that. And so the model that has been used of working together and caring each one for the good solution is the one that should be also used in the future. Thank you, Mario. John, both Mario and yourself picked up as climate is one of the key topics to think through as to risk management. And I know you've written a lot about embedding risk management to organizations. How are you advising corporates on embedding risk management around climate transition? So as we think about climate, I think we've moved from physical climate risk only to thinking about climate risk in three areas. One is the physical climate risk, which is the severe weather-related longer-term shifts in climate, rising sea level, et cetera. The other is transition risk. So as we shift to the net zero economy, certain sectors may face some shifts in asset value or higher costs to doing business. And then the third is liability, active litigation from individuals, new areas of the laws being developed, et cetera. And we think that corporations need to address all three of these issues. And in fact, particularly for the insurance industry, I think we need to work with our clients to make sure that they are able to handle all three of those. We've done a lot of great work on the physical climate risk. I think enabling the transition is going to be very important. And I think insurance has a critical role to play there. I might just mention that Andre at the beginning mentioned the Coalition for Climate Resilient Investment. And I'm the chair of that, and we're working with the World Economic Forum as part of that. But the focus we have there is on developing some standards for investment in resilient infrastructure. And the theory of the case there is that just as the test force on climate-related financial disclosures said that if you don't disclose some of these issues, you won't address them. And you can miss the downsides of that. What we're looking for is actually there's opportunity and upside in investing in resilient infrastructure. And until we get those opportunities recognized, we won't get as much resilience built into infrastructure as we should. And so for example, we have a hurricane hit Puerto Rico and devastated. If we had invested a fraction of what developed countries will give an aid to Puerto Rico after that hurricane in resilient infrastructure in the beginning, we wouldn't have had nearly the disaster we did. And so we're working on developing those kinds of standards. It's a true public-private partnership. Thanks, John. I mean, Dan Beeser, I think John Mason very much has a voice about it's as much political as economic. And as my boss, Mark Carney said, there may be three and a half trillion dollars to invest in clean infrastructure each and every year. As you advise investors, how are you weighing up some of these issues for corporates? So I think if we take a step back, I have been serving on corporate boards about 10 years now. And over this period, there's been a transition in the way we think about these things. By that, I mean, you know, we used to think of CSR as sort of a ring-fence thing that you did as an afterthought. We then said, well, hang on a second, we need to integrate this into how we run our businesses. So we started doing much more reporting, but very often still in a sort of siloed, separate reporting document. It's moved much more into being an integrated way of the way businesses think about operating. But I think the more important point, and I do understand that the title of this panel has the word risk in it, is that we need to start thinking about opportunities. Where is the upside for global society, but also for corporations in terms of managing our balance sheets and allocating capital in this whole green debate? And I think really most critically, I believe, is that as corporations move from the sort of financial shareholder primacy into stakeholder world, we need to bring the whole thinking around trade-offs into the debate. So where climate change is concerned, it is absolutely the case that we need to continue to think about COP26 and the risks associated with doing nothing or doing little. But at the same time, we need to remember that there are 2 billion people out there who got no access to energy in a reliable and cost-effective way. And this is not just in the poorest of society, but also in middle-income countries. So I think, yes, we need to focus on those risks, and they are absolutely critical, and they do need to be solved in a more cooperative way in society coming together and figuring these things out. But at the same time, we should not lose sight that this is just not a risk proposition. It is also one in which we need to think about the upside opportunities for transforming our businesses and operations so that we can garner upside in the space. Dan Bezier, I think that is a great point. I mean, Mario, can I come to you? You mentioned of your three big blocks, energy transition, climate transition, as well as them. How are you advising companies? And how worried are you also about insurance gaps and how we deal with those? The efforts, I mean, first of all, we've been ensuring catastrophes in climate risks since decades ago. And so we're prepared to keep doing that, and we're prepared to support customers and help them cover with the consequences of climate. The most important thing, though, it is to anticipate and create resilience in the system. So last year, even in COVID situation, we launched in September a resilience service where we advise customers how to better prepare and how to minimize the impact or how to strategically look at their supply chain, their business organization, ways to deploy capital to be prepared to manage any climate risk on their premises. I think that's the way that we have to go in the future. It is creating stronger resilience in the industries and helping the customers being prepared. And I think that the oil insurance industry will come along on that and will contribute through this in creating stronger industries. Thank you, Mario. John, I thought about what Mario said about building resilience was really important. As a CEO of an incredibly large organization, how do you yourself think about building resilience and adaptability in your own firm? Yeah, thanks, Yu. I agree. That is critically important. One of the things that we look at is scenario testing. As I mentioned earlier, we think that scenario testing is the key to understanding resilience and understanding how can we build in flexibility to deal with different situations? Because the key to resilience is not anticipating every possible thing and getting all of your predictions right. The key to resilience is understanding what kind of flexibility and agility you need. And so we think about those kind of scenarios and try to work on those. Of course, having said that, I will tell you, like anybody else, we didn't predict the pandemic and the kind of consequences that that would have. We would have rated that a much lower risk, maybe not 60, but it wouldn't have been in our top 10. And so that actually reinforces the need for continually rethinking and testing your assumptions about resilience. I think it's a really important point, John. And I think the stress testing in particular is something which I feel passionately about having helped shape the climate stress test for the Bank of England. Demi, can I turn to you? I know you've got a book coming up soon. And so I was wondering if you could give us the where for your first sneak peek of some of your lessons, but it's about how boards can work best on a chaotic world. Maybe you could share, if you don't break your advance, you could share some of those lessons. Yes, sure. So as I mentioned earlier, I've served on corporate boards for about 10 years now, and I've been really fortunate to have exposure to many different industries. So I'm on the board of an energy company, industrials, banking, consumer goods, but also in different regions. And I think really the book is essentially trying to help people understand what the mandate of the board is. Corporations are critically important. In the United States, the Fortune 500 employ 30 million people. They are two thirds of US GDP. So they're really important in terms of innovation, R&D, tax base and infrastructure, which was mentioned earlier. And so I'm trying to explain what boards do in terms of being at the helm, but also how they should be thinking about the swath of challenges that we've addressed here, both in terms of risk and uncertainty, risk being what we can measure and put some probabilistic estimates around and uncertainty, as John just mentioned, things that perhaps we put on the tail risk and we haven't thought about. And really just in conclusion, the book actually recommends some ways and some proposals for us to think about how to improve corporate boards and ultimately corporations to address the big challenges that we're addressing right now, from de-globalization to pandemics and really thinking about more ethical challenges that the boardroom is facing. Mary, one of the interesting things about resilience is how much the markets and investors are starting to try and get their hands around the sustainability and resilience of firms. As a seasoned investor, what do you think investors need from here and where's the work still to be done? I think we all need to explain how we will transform the current economy into a decarbonized one. And we haven't been able yet to lay any vision, any description for this. Now, COVID again gives us an enormous opportunity to think about and to do it. I mean, the amount of liquidity of available investments which has been created in US, in Asia, in Europe, it allows us really to think about how to better make use of it. We haven't done that yet, but this is probably the most important thing that we got to think and we got to resolve now. Investors also ask us about, not just about climate, but also what we're doing for this society. And I just want to repeat that corporations today have not just the duty, the obligation to look at the sustainability of the planet, but also to fight the imbalances in our societies and to act to create security and to create stability in the way we use technology. It's a world in transformation. It started off as the business said at the beginning, well before COVID. This transformation is far from being finished and it requires a lot of transparency, but a lot also of efforts in order to achieve it. Thank you, Maria. John, obviously you're running one of the world's largest investment advisory firms. How do you think we can, corporates can help give the disclosure to give that confidence and the missing pieces? Yeah, so it starts with a couple of things. First of all, it really starts with the board and understanding that they have a responsibility, the responsibilities that Mario just alluded to, the societal responsibilities, and they have a responsibility also to the right kind of disclosure to putting the right kind of programs in place. And so the board has to do that. I think a corporation should be articulating what its mission is, what its values are, how it's going to do that, how it's going to deal with its stakeholders and be responsive to them. We also need, the board should really be putting in place metrics for the CEO and the management team so that these are not just words written on a piece of paper, but these are actionable items that they're measuring them for. And I think as investors and as we look at potentially investing in organizations, we're looking for corporations where the board and the management team have taken on and identified those responsibilities. Thank you, John. And Dan Beeserman, obviously you and I both sit on an investment committee, which is very committed towards a net zero transition. I was interested, were you advising investors, assessing corporates, how are you helping them think through what they should be spotting? Well, I think that a lot of the comments have been made in some form here. First of all, we have risk mitigation responsibilities. And by that I mean, we shouldn't be thinking about throwing the proverbial baby out with the bathwater. We do need to think about risk mitigation, but at the same time we need to think about where opportunities, real new opportunities may stem from. So if we think about the post-COVID economy, it's definitely going to have a slant towards green. There are big campaigns going on right now to make sure that that's a pivotal piece of the future. So clearly we're moving into that space. But as I mentioned earlier, I think it's naive and actually there are enormous second-order effects. And I'm sure my colleagues who are certainly Maria, who's in the insurance area, will have perspective on these second-order effects that if we don't think about them, could come back to bite us. So something like climate change and net zero and these types of targets, critically important to help frame the discussion and indeed to help us move towards a better world. But we can't lose sight of second-order effects such as disorderly migration, economic collapse, the inability for people's human life to progress in terms of living standards. I mean, if you look at the World Bank numbers that 150 million people have slipped back into extreme poverty during COVID, we need to bring that whole picture to the debate around climate change and not view it as a sort of unilateral yes and no. And perhaps the last thing I'll just say is that as someone who serves on the board of an energy company, I'm very heartened with the discussions and the metrics and the assessments in terms of compensation and promotion that we are doing with respect to our management teams. And we are listening and there's a whole slew of investments, whether it's in biofuels and geothermal batteries, renewables that we're looking at to place the approach that has been dominant for years in the past. So we should be optimistic, we should come to these problems with optimism and energy and try to be as constructive as possible as we solve them. Thank you Dambisa. Well, I'm conscious that we're coming to the end of our public session, our 30 minutes of public session. I think that was an incredibly rich conversation. I'd like to thank Mario, John and Dambisa. I think what I particularly took away was the importance within resilience of adaptability. We're not going to fail forecast every risk. We need the ability to be made of rubber bands rather than just rock. We need the ability to bounce back. And I think John's point about scenario analysis. Mario's point also about assessing the risks and what's in struggle and what's not. And as Dambisa said, it's also bringing investors along with us on this journey that there is a rich set of opportunities rather than risks. I think were some of my takeaways from what I thought was a really exceptional panel. So with that, I'd like to thank everyone.


Now, one little tool that you've probably always been looking for, but maybe you haven't found it, is Enter. It is a fantastic little utility for system management, system administration. It does something that you often want all the time, but it does it in one of the best ways that you possibly can. And that is, a lot of times when you're doing something on your computer, you want to have a command run every time you update a file. Maybe it's a log file, maybe it's some kind of output, maybe you're programming, maybe you're just writing a document and you want it to auto compile or something else like that. Maybe you want something to notify you when a file changes. Enter does all of this stuff. It has a very simple interface, but it is absolutely fantastic to use. I'm surprised this is not some core part of the Unix operating system. Well, there are equivalents, but Enter makes it very, very easy to get exactly what you want done. In fact, I'll just run you through the syntax because it's pretty simple. Let me think of a hypothetical example. Let's say I want to run a command. I want to get a little notification up here. I want to notify send command whenever I update my bash rc, just a random example. How you do that in Enter is very, very simple. What you do is you just echo bash rc into Enter and then you just give it whatever command you want it to run. Let's say notify send, and we'll give it the message of bash rc updated, very simple. If you run that, you're going to see actually, by default, you're going to get a notification at the very beginning because it will run the command at start. If you don't want that to happen, I should go ahead and say, if you don't want that to happen, you can just give it the P option, but either, oops, not notify send the P option, Enter the P option, excuse me. You can just give Enter the P option. But either way, what this script is going to do is whenever, let's say I'm in my bash rc and I make some kind of modification and I save this file, bam, this command is going to run. Now, I have a little notification, bash rc has been updated. Or you don't have to be editing it in an editor. You can do something like, let's echo a comment. This is a comment and let's echo that into bash rc. So we're modifying it through our commands and, oh, look at that, it's still, even though we didn't physically open the file, it still ran the Enter command. So Enter is very, very useful for this kind of stuff. And you probably are already thinking a lot of implementations for it, excuse me. You can actually look here, they give you some examples just for you to mull over. Now, oh, yeah, so you might be wondering, okay, this is weird syntax because what we have is why do you echo bash rc into Enter? Now that might strike you as sort of a weird thing to do. But this is really nice because, I mean, you don't have to use echo. You can use any kind of command and Enter can read standard input. So they give some examples here just to go over them. For example, let's say you're doing some web development and you want, you have some kind of command that gives you a preview of what your website is looking like. But you want to run that every time a file is changed. Well, you can just ls all your CSS and HTML files and pipe those into Enter. And then your update command is going to run every time any one of those files is changed. So that's very convenient. So you can take ls as some input. You can, as I did a second ago, use echo. You can use du with the a option to update all the files in an area or something. Here they give another example, right? So mu PDF, very nice PDF viewer. One thing it doesn't do by default is automatically update if a PDF file is changed. But you can very easily just ls all your PDF files and then put them in the Enter and update in mu PDF with them. Very, very simple. Now, I want to give you two examples of what I use, of what I use this for. One is going to be compiling documents and one is going to be using, so if you guys use NewsBoat, NewsBoat has this really annoying way of downloading podcasts. But I found a little fix for it using Enter. I guess a little hack, not a fix. So I'll do the compiling documents thing first because I think that's the one that has more, I don't know, more people would be able to use it. So here I have a little graph document, yet another example graph document.  But I made a little tiny auto compiler and it's super simple. It's a little script, I'll actually get rid of my face for a second. It's a little script that I called, what did I call it? Oh yeah, just auto comp, silly me. Now what this is, make this thing a little bigger. So I have in my VIM, here of course is a VIM buffer. In my VIM RC I have mapped this little command that will run auto comp every time I type leader A. And what auto comp does is first off it checks to see if there's an instance already existing and if it is, kills it because I want it to toggle. Ignoring that, the enter command that it runs is pretty simple. It just takes the file that you gave it and it just echoes it in to enter and it runs this compiler script. Now the compiler script you guys might know from my github, but well let me pull it up. So I just have this little compiler script that is really just, you know, has a bunch of case statements where, oh if it's a graph document run these commands, if it's a markdown document run these, you know, use pandoc or whatever. If it's a log tech file, it's just the general handler for different kinds of file types. So long story short, whenever I am in my VIM buffer, any VIM buffer now, I can just type leader and then A and that's going to activate a kind of auto compilation mode. So I'm going to bring up my PDF preview here. So just to illustrate that this is working, again, enter is running whenever I save my file here. So if I throw in some extra text, I save it, it auto compiles. Perfect. If I want to add in another paragraph, so let's put in another paragraph. It's always hard to spell paragraph, so I'm just going to wing it. Okay, so that again automatically appears and we can do pretty much do whatever we want, delete some text and every time we save it, that is going to update. Now of course you can go even further than this. Now again, I'm not an auto compilation person, but let's say you're the kind of person who likes VIM updating every time you leave normal mode or something or go into normal mode or change the buffer. Instead of looking at the main file like I have, you could look at VIMs, the buffer file or the swap files that VIM creates or something like that. Again pretty easy to do with enter. So let me give you my other use case. This is for auto compilation and all the files should be on my GitHub or they might be all update them. So that's auto compilation. Another use I have is there's this program I really like called NewsBoat. It is an RSS feed reader. It's fantastic for most things, but there's one thing about it I really don't like and that is by default to download a podcast. It's a big pain. If you go to one of these entries, let's go to one of my podcast entries here. If you go to one of these entries, the annoying thing about it is that to download a podcast you're supposed to press E to enqueue it and then you're supposed to open up this other program called PodBoat and then download it manually there. I think that's just a huge waste. So one nice thing, by the way I know someone's going to note, but yeah, that's right. I'm subscribed to Coast to Coast AM because I have to get my Boomer conspiracy theory radio. You just got to have it. I mean look at this stuff. Thomas talks about angels, demons, and ghosts. I got to have it. I don't even listen to it that much, but I just like just having all the episodes because why not? It's an American cultural icon. Say what you want. But anyway, the nice thing about, even though I don't like this functionality in NewsBoat, the nice thing is whenever I enqueue one of these files, it actually puts it in a file that I can access with Enter and that's what I've done. I have a little script here, PodEnter, and this runs every time I start my graphical environment and it takes that queue file that I just mentioned and it echoes it into Enter and it runs the queue and notify command every time that file is updated or whatever. So what is the queue and notify command? Well we can go see that. It is a little script. Actually, I'll show you how it works. Just go in here, enqueue it and you'll see I get this little message saying enqueuing this podcast. I'm going to enqueue this one, enqueue that one, enqueue that one. Now they're all enqueued and what this is actually doing, if you check the little script here, it is really just, it uses Task Spooler. I don't know if you know about Task Spooler, but it's just a little thing that you send it commands and it will automatically run them as opposed to manually run them in PodBoat. So it queues a download command and it also queues these little notifications. So I can be aware of whenever something finishes downloading. So that is much more convenient than opening PodBoat and manually downloading things. Such a pain. This is much easier and I can also change the file names because I think by default some podcasts will have like Windows file names so you can change that kind of stuff. So it's much more convenient and just using Enter I have this little script to process it, get a whole lot, not have to worry about it. So anyway that's about it. I hope this has given you some ideas for the kind of stuff you can do in Enter but chances are, I mean this is such a great program, such a general use program that you probably thought of your own use cases. So anyway hope you learned something and I will see you guys next time.


What is going on guys? It's your boy DPJ here today with another Destiny video and in today's video we're going to check out what's the room to the tower and the 16th of October 2015. Now as soon as you spawn in the tower you just want to head straight and you'll see him here on your left. Let's check out what he has this week and guys excuse my voice.  Oh okay, so we have glass needles. Now these are used to change stats on your exotic armors and we will actually test these out but let's see what he has armour and weapon wise first. Okay for the Titans we have no backup plans. These are gauntlets offering 280 defence, 43 intellect and 44 strength requiring you to spend 13 strange coins. Mud's are shotgun kills, trigger force barrier and force barrier's duration is increased. Increased melee attack speed and increased reload speed with shotguns. Okay for the Hunter we have the don't touch me gauntlets also 280 defence, 43 discipline and 42 strength costing 13 strange coins. Mud's are taking damage from melee attack, makes you briefly invisible, increased melee attack speed and increased reload speed with hand cannons. For the warlock we have the stag helmet. I actually don't have this and may buy it. Who knows offering 280 defence, 49 discipline and 46 strength costing 13 strange coins. Mud's are once per life, fast super charge when all teammates die, chance to spawn with all the shield, gain bonus super energy from melee kills on minions of the darkness and gain bonus melee energy and all the pickups. Now this is going to be a beast to use in that trial of the size so I've got a feeling I'm going to see a lot of warlocks rocking this stag. Okay weapon of the week we have the here after sniper rifle one I actually quite like. I love the sound this thing makes when you shoot as well offering 280 attack costing 23 strange coins. Mud's are correction, increases scope zoom and makes it easier to aim on the fire. Precision kills with this weapon have the chance to cause a bright flash that can blind nearby enemies and magazine if you funded if all shots fired are precision kills not bad whatsoever. Okay so we have oh it's a legacy engram it's not even a year two engram so guys only buy this if there's year one heavy exotic weapons that you don't own and you want because you are not going to get nothing new out of this engram so just be one of that don't be wasting your strange coins on it. I almost if I wouldn't have read that then I would have actually brought a couple of these maybe in a complete noob but yeah don't forget guys do not buy this unless you need a year one specific heavy weapon because that's all you're going to get out of this legacy engram. Okay so here we have the glass needle let's see what this does let's just buy one and see what it does. It requires three strange coins three most of lights and one exotic shard. Okay so what exotic arms have I got to fuck about with I've got two of these both maxed out let's use it on this okay so we can see here this has got 85 intellect or 70 and 15 strength I don't know what this is going to change I don't know if it's going to change these so we've got hands-on heavy lifting and innovation let's just see let's just see let's see what this does make sure it don't change that as well I'm guessing it's just going to be so yes it's actually changed my intellect and discipline as it changed my mind oh yes it has it indeed it's changed it to ashes to acids that one's still the same though but still that's actually pretty good and pretty useful well if you don't like what you've got a standard with an exotic piece a lot of people won't use it now you've got a chance to change that shit up if you need intellect if you need strength if you need discipline you can actually do that now with these glass needles and you get three for your money so every time you buy this item from there you'll get three so not bad whatsoever it don't cost too much either that's actually pretty decent but yep guys that is what has brought to the tower under 16 for the 10th 2015 hope you guys enjoyed the video do drop a like i do appreciate the support thanks for stopping by as always subscribe for daily destiny and i'll catch you guys on the next one peace out till next time we all on youtube every damn day watching these vids of the brand new games bid at the bid many are the same that's why you gotta go and find dpj that's an e-game plays weekly snipes heavy uploads gonna have you a hype started in the uk now he's worldwide dpj go and subscribe


Hello, I'm Kristen Joy, and this is You Are Rights at Work. And our guest today is Margaret Wise of the Seattle Office of Labor Standards. Welcome, Margaret. Hi, Kristen. Thanks so much for having me. I'm really glad to join you today. Yeah. Well, we're excited to learn about the minimum wage from you. Can you start by telling us a little bit about your job? Sure. I work for the Seattle Office of Labor Standards. And that is one of the local labor law offices in Washington State. So my job there is as an investigator. And the role of the investigator is to contact businesses and speak with employees and to make sure that businesses are following Seattle's labor laws and that workers are receiving the protections that they get from those laws. Sounds like an amazing job.  Yeah, I'm really grateful to be able to do this work. So our topic today is a worker's right to a minimum wage. So Margaret, what is a minimum wage? Yeah. So a minimum wage is the smallest or lowest amount that someone should be paid for each hour of work that they perform. I think that, yeah, that's minimum wage in a nutshell. That's a good definition. And so we're in the year 2022. And what is the minimum wage in Washington State? Yeah. So in Washington State in 2022, the minimum wage is $14.49 per hour. But it might not be the same depending on which city you live or work in. So it's not the same in every city or town in Washington. Is it lower some places or higher or both? Good question. So Washington State has a minimum wage and then there's a federal minimum wage which applies across the United States. And then in Washington State, some cities and towns have their own minimum wage. So workers, depending on where you work, get to be paid the highest minimum wage that applies where they are. So if you're in Washington State, the lowest that you should receive is $14.49 per hour. But some cities like Seattle and SeaTac have higher minimum wages. So if you're working in one of those cities, for example, in Seattle in 2022, the minimum wage is $17.27 per hour. And how can a worker tell if they're receiving the minimum wage that they should be getting? Yeah. So one good place to check is on pay stubs if that is something that a worker is receiving. So all employees in Washington State should be getting pay stubs each time they're paid. Those can be electronic or in paper form. But either way, they should have the hours that the person worked and the rate of pay. So that is one place to check to see what the rate of pay shows. And you can compare that against the minimum wage either at Washington State level, if you're in Seattle, the Seattle minimum wage. And is there anything else that you'd like to share with us about the minimum wage? One thing I did want to say is we talked about the minimum wage in 2022. But I do want to note that in Washington State, the minimum wage will increase each year. Well, Margaret Wise from the Seattle Office of Labor Standards, thank you so much for joining us today. And I hope that you tune in to the next episode of Your Rights at Work.