This session, we're going to be working with augmenting your time management. We have Chris Hansen, who is kind of moderating. If you have questions and you're logged in and you want to ask those, he's going to kind of be on the back channel there. And if you're wondering how much longer Chris was asking me this earlier, can we continue with our augmenting and our gold? I don't know. There's only so many colors that play nicely with gold pallets, so probably not much longer, but for this one, we did. So augmenting your time management and calendars. And I'm really excited about this one. I'm kind of a geek nerd, sort of, I love kind of organization and productivity hacks and things like that. So I'm really excited to share this with you. There is an article that came out by Allison Doyle, and we'll share it when we put all of these, kind of they're archived and all that, when we put all of them on our website with the rest of them, we'll have links to the PDFs, and we will have links to any of the articles and things like that that I'm going to share with you. So this article is really interesting because it talked about all of the ideas of what time management is, because when we think about time management, I don't think that we, I'm going to take this off for a second, I don't think we realize all of the aspects of it. So it's like auditing how your time is spent. When do you have the most energy? And then it's also really dealing with goal setting and to-do lists and all of those sort of things. So it's, there's a lot more to it than just, you know, oh, hey, I've spent too much time on Netflix or, you know, whatever the case may be. I am guilty of that sometimes. So before I kind of get into what I'm going to be sharing with you today, I wanted to bring back the data from the last webinar that we did. The last webinar, I think Chris was study skills actually. So you can go back and look at that. It's got some apps for studying and then a lot of best practices for studying that were generated by students as well as staff. And so there's a whole PDF handout for that. And we have covered some note-taking strategies in a previous webinar. But what you'll see, what was really, really interesting was that not only staff felt like the concentration on time management was important, but also students. And actually, that was the largest one. So one of the questions is just kind of what do you do to manage your assignments, upcoming exams, and essays, and projects? And this is what question that we had asked our students. And so interestingly enough, and again, this data is from one of our previous webinars, but I kind of wanted to frame what I'm about to share with you. So a good majority of students still use paper planner and also a fair number of students. Now, this is not our entire student body. This is just the ones that elected to answer our survey. So know that going in. But the Google Calendar, a good 25 out of 4th of our students are definitely using that. Yes, it's available to all of them, but I don't know how many of them are using it in conjunction with a planner or exclusively. They also use notes, reminders, things like that. So we kind of wanted to get a good feel for what our current students are using. So Google Calendar, I wanted to talk to everybody about this and make everyone aware this happened. Maybe two, three could be four years now. I've been here at six now, so I'm kind of trying to piece that together. But we started with Google Calendar, and every secondary teacher now has a Google Calendar for their class. And the beauty of all of this is because students are now using Google Classroom, every class that is created in Google Classroom automatically generates a Google Calendar. And why this is nice is kids don't have to subscribe to those calendars. And because they're going to those Google Classroom courses with their ENSE ISD emails, then if they just log into the Google Calendar app with their ENSE ISD email, they automatically have all of their courses already loaded, which is really, really nice. So it's super user-friendly on that end. Now, because I'm also a parent, and actually I'm going to have an incoming middle school student that's coming here, I thought it was helpful to think about some questions that you could ask your student. And so I have four that I thought about within that Google Calendar. The first one should be, have you downloaded the Google Calendar app on your iPad and also your iPhone? And the app is Android, it's web, it's iOS, it's free, so they shouldn't have an issue with the downloading part. Also, if you have students who had courses in middle school and they may still have those available in Google Calendar, and I don't know about you, but I find the more calendars there, it's just, it becomes confusing, so I try to hide a lot of those. So I would ask them, have you hidden these, or have you unsubscribed to these? And we'll have a video for how to do that if they haven't. And then also, and this goes back to our freshman iPad Basecamp, so all of our freshmen theoretically should have done all of this at the beginning of the year, but we don't always do a Basecamp for our sophomores and our juniors. So if you have sophomores and juniors or seniors, they may not have done these things. So the next thing is, have you changed the color of your calendars to match notability? So some kids, and including myself, yes, I'm a big kid, but I like color coding everything. So in notability, you have the ability to, when you're taking notes and notability, or annotating PDFs or anything like that, you have the ability to color code kind of the folders you keep things in. And so we suggested to students that they might wanna match. So math in Google Calendar is red, and then math in notability is also red. And then one other thing is everything in Google Calendar right now is technically things that teachers have generated from their classes. But you also wanna ask your student, do you know how to add, there's a way to add goals, reminders, and events. So hey, if you really wanna start using Google Calendar for hey, we have this outing or we have practice after school or we have a doctor's appointment, things like that, they can do that as well. So that's Google Calendar kind of in a nutshell. And I have a screenshot of it here so you can kind of see that's a nice iPad layout. You can see, I've got two different calendars going there. It's pretty user-friendly. That plus button in the bottom right-hand corner allows them to add goals, events, other things directly in the app. So that's Google Calendar. And this is kind of your week view. And then you can also have a month view. I feel like month view is somewhat overwhelming to me. So I try not to have it in the month view. Yes, that's Google Calendar. But we also felt like we wanted to share some other apps that might be helpful to your students, especially if they like keeping things organized digitally. So WonderList, W-U, not W-O. WonderList is now available. It should be in self-service. It is a free app. The cool thing about WonderList is honestly, it's available on literally every platform that I could possibly think of. It's a MacBook download. It's a web service. It's Android. It's pretty much everywhere. So before you have calendars, Google Calendar, things like this, if students really want to keep to-do lists, then this is a great app for it. So what's really cool about it is you sign in with a Google sign-in. You can create shared lists, which is really nice. You can kind of check things off. And you can star things. And you can see here with the math and the homework, you can also create folders with different checklists. So let's say that in English, you had a student had a project do, then they might create a folder that says English and then project, and then it might have four or five things in there that they want to do or need to do. So this is just a suggestion. It's not mandated by any means, but we wanted to make you aware of it if it was something that you thought might work for your student. The next one here is Google Keep. It's kind of like a Pinterest board sort of thing. It's a Google tool, so you easy sign in. You can take notes. You can do checklists. You can do voice notes. You can do all kinds of different things. And you can share those notes. As you can see, this is actually what we were using for kind of the furniture pilot. So we were kind of testing different things and working around what worked, what didn't work. So the last one I'll mention is 30-30. And if students like color coding, and so for me, sometimes this is helpful where I have these four or five tasks to do maybe this evening, and I want to allocate a certain amount of time to them and basically go. So it's essentially a timer where you say, okay, I need to do this, this, and this. This is how much time. And once the timer's over, you move on to the next one or you add more time. So it's kind of that whole Pomodoro method. So that's another one there for you. Now I personally, I know I'm an ed tech so I realize this is kind of an odd thing for me to say but I really do like paper. And I find that for me, I have my own planner. I have multiple to-do lists. Mr. Hansen can attest to that. And so something that has been really helpful is this particular document in front of you. And this came out of, we had a staff member actually who keeps something similar. And I had asked her, I said, hey, would you mind if I took this and modified it for our students who would like something like this? So right now for the past, I don't know, two or three months this is being used by students who go in and talk to like Mr. Van Meter if they need help with kind of, these are academic interventions. So they need help with organizing things, kind of keeping on top of things. So it's an easy print out on the front. You see you've got kind of days of the week.  There's a place for things that need to be done this week but could be done anytime, upcoming tests and projects. Things that are coming up on the weekend and then planning for next week. And what I found after talking to a few students as they said, sometimes some of the students who had planners were, especially the larger planners not like the real thin ones were overwhelmed by them because they weren't sure, you know, kind of where to start. They had a lot of journaling prompts and things like that. And it was just, it was overwhelming to them. So I really wanted to just pare down some of the best things out of a planner and give it to them, just kind of a one-sheeter. So this is the front of it. And then I wanna show you the back. So the back has also gone through several iterations. I based on a lot of articles and different research that I've been reading and just, you know, my own kind of OCD with to-do lists and calendars and all that sort of thing. I generated a bunch of lists and questions that I thought would be really, really helpful for students. And what Mr. Bandmeter was saying is students will go in, you know, every week, now every month, because this is a monthly kind of calendar on the back to get one of these. And he said they love it. They use, you know, the front of it and they really like the questions on the back because these are questions that you can have with a student in person. But a lot of times, you know, they leave, they forget about them. And so I'll walk you through kind of what those questions are in just a moment, but we will have this available as a download and later in the week, I'll also do a blog post on this for on the Healthy Chap site so you'll have it available. So the other thing that came up was, you can see this whole monthly calendar, that's really was a request. They wanted to know kind of based on the school calendar what things are coming up, be it a spring break, SAT testing, you know, homework nights, early releases. And so basically I built a custom calendar on the back of this that mirrors, doesn't have athletic events and things like that, but just it mirrors kind of that. Now, I'm gonna kind of scroll down so you can see what those actual questions or some of those questions are. So, and these are great questions, even just on an evening, you know, you wanna talk to your kid about what events and commitments outside of school do you have? You know, do you have clubs? Do we have doctor's appointments? What outings do we have? You know, be kind of cognizant of those other things like what events and commitments do I have that are reoccurring because it's just one of those things. Okay, well, you know what? I have practice or I have work. I need to make sure that I build in that time. I need to remember, oh, if I have a test that, you know, oh, well, I work on Wednesday, I'm not gonna be able to do that. Or I won't be able to study, you know, Wednesday night or whatever. What classes do I need to study daily for? I added that question just because several of the classes based on our study skills webinar had said that, you know, we really encourage studying daily and in smaller chunks. And then how much time do they need to set aside? And then what tests and projects do they have it coming up? What group projects do they have coming up? What role they have? And, you know, will they meet outside of school? Some do, some don't.  You know, once they know it's a missing assignment, they're responsible for that. So that's kind of why that's an important thing for them, just to, you know, jot down on that weekly planner. What tasks or deadlines are fixed and which ones are flexible, that really gets into just life skills of, you know, knowing which ones I can kind of put off to the side for a little bit and which ones absolutely have to be done right now. So those are some questions and I really wanted to have those there for you because I felt like they were valuable questions to have a discussion about. And again, that whole handout with all of the questions will be available after the webinar. We'll put it on our site, so. Okay, so a few more things. I love to read. That's not the few more things, but I do. And what was really interesting to me is no matter if it's a TED talk like this one, how to gain control of your free time or books on productivity, books on anti-procrastination or books on social media wellness, emotional agility, 10 steps earning awesome grades, how to be an imperfectionist. All of these books, interestingly enough, even though they're for very different audiences and thereby very different, you know, authors and that sort of thing, every single one of them pretty much focused on these four things. If they're talking about goal setting and time management, any of those things, it came down to goal setting and then it came down to, you know, prioritizing those goals, breaking down tasks into smaller ones and knowing yourself. So I'm gonna kind of walk through each one of these. So in the goal setting, just the idea of, you know, what are these goals? What kind of things do I need to be aware of? And then kind of setting micro goals for that. So if my goal is to, you know, make awesome grades, so I was reading in one book, I don't remember which one it was, but they were talking about the Olympics and they said a lot of people who do this whole visualizing of goal setting, it's not that they're visualizing their selves winning and standing, you know, with the gold medal, it's that they're visualizing the process, what it takes to get to that goal. So if I wanted to have straight A's, what does that take? Well, it takes, you know, studying every night or it takes, you know, all matter, different things, maybe going to some tutoring, it takes, you know, going to talk to my teachers, all of those sorts of things. So really looking at, you know, what are those goals? But then also, how do I prioritize those and then go back and see, oh, am I really doing those things? And same thing with kind of the idea of breaking down tasks. So rather than saying, hey, I have a paper due, and that's the task, well, really, yes, you have a paper due, but it might be I need to research, so that's a subtask, it might be I need to do my citations, yet another subtask, and it might be I need to do some revising and editing. So really, like if I just set paper due, that's super overwhelming, especially to a student who's already overwhelmed about, you know, everything. So it's just a matter of kind of breaking down those tasks. And I know that we all know these things, but I thought that they were really helpful to kind of share out. And I also felt like it was so interesting that they came up in all of these different books that really kind of tie together, even though they're not intended to do so. And then the other part about knowing yourself is just, you know, as a student, am I more awake in the morning? Or am I more awake, you know, in the afternoon or right after school? And kind of knowing your schedule and things like that. So for me, I get really tired at night. So it doesn't make sense for me to put off something till the evening, because it's not gonna get done. Whereas I have to get up really early to drop off the kids in the morning, so I have a little bit more energy to do that. And, you know, I have a little bit more time where I can do something. So that's just kind of thinking about those topics. And then the rinse, refocus, readjust, repeat is just do all of these things. And then, you know, you go back and see what's working, what's not working. However, I did want to leave you with a few more things. So procrastination.  But I wanted to share just a few tips from some of those books as well as, actually, last week we had an author come. So Susan Dennard came and she is the author of the TruthWitch series. You can see that photo there in her book. And it was really interesting because when she was speaking to students, and, you know, she's got a very autonomous job. It's, you know, yes, you need to write a book, but when you do that and, you know, how you do that is pretty open-ended. So she's got a lot of kind of flexibility with that. But what she was saying that was really helpful to her and what I found really helpful, the coming from a lot of the books that are talking about time management and all of these things is the night before, you know, go through everything. And now what she does with her writing is she sketched out kind of like a bullet point list of what she's going to write about. So the next day she doesn't just, you know, sit down and not have anywhere to start from. She has kind of a bullet point list. A lot of the books talking about time management and calendars and things like that suggest that during the evening sometime, you kind of rewrite a to-do list, not completely, but maybe, hey, these are the three or four things I need to do tomorrow morning, because when you get to school the next day or whatever the case may be, you open that up and you're already, you know, kind of down working on those things rather than figuring out what you need to be doing. The other thing, and it sounds silly, but it's totally true, is just, she said the act of sitting down to do it and kind of facing the terror can be motivating. So sometimes starting a big project or working on an essay is terrifying. And, or, you know, it's a high anxiety sort of task. And so the idea is sometimes it's just kind of sitting down and actually starting it. And some books have even said, okay, if it feels like too much, then say, can I write for 20 minutes? Can I work on this project for 20 minutes? Set a timer for 20 minutes, nine times out of 10, that timer will go off and you'll feel like you can continue working on, but it's just that idea of I've got to start somewhere. So those are some good tips from her. And then I wanted to mention a fudge factor. I thought this was really helpful. So what this is is essentially or a ratio. And I think actually some of the math classes have been talking about this with their students or we'll talk about this with them, their students this nine weeks. So the idea is on the left-hand side, so we were, we do a lot of training here at the campus. And I, as you can tell, very time-oriented. And so one of the things that I always do when I'm doing a training is I break down the chunks of training, ironically enough, that nine 45 to 10 30 should not say breakfast. It should say breakout EDU. It's an activity that we do. So what I try to do is write down the time frames, how long I think it's gonna take me. But then I write down how long it actually took. And that's kind of the same thing. I've set in that timer for 20 minutes and then working on it. So for example, you may have a student who you ask or you may have your own child who you ask, hey, clean your room. And they're like, oh, I don't wanna do that. It's gonna take forever. Once they do it, they may have thought it took 45 minutes, whereas it actually took only 15 minutes. So then their fudge factor would actually be three times. So they're thinking that basically 45 or 15. So they're thinking that a task that takes 15 minutes actually is gonna take them 45. Some people are reversed. So basically they think that something will take a lot less time and it ends up taking a lot more time. So it's just kind of a quick way. I wouldn't do this with everything, but it was helpful for me and I think it's helpful for it ends up being a lot of books and a lot of things on procrastination and time management. So the last little piece on positive procrastination, again, these are all coming from a lot of industry gurus that get paid a lot of money to teach people how to be productive and manage their time. So two things I have found helpful. The first is, let's say I'm working on something or you've got a student working on an essay. I keep going back to that, but like essay research paper project and they're constantly being distracted by other. Oh, I've got to do this. So I've got to do this. So I've got to do that. So the idea is basically taking sheet of paper, post it note while they're working and anything that pops in their head like, oh, I need to go do this. You just write it down. And then at the end of whenever you're done, then you have four things you can do after you're done. The other thing is the list of distractions or things to do. And I know this sounds kind of silly, but it actually works pretty well. So remember what I was talking to you about how you're doing a research paper and you have sort of breaks where, yeah, a research paper is a very large thing. You really have to have subtests. So a subtest for a research paper would be obviously researching. Maybe it's working on citations. Maybe it's working on revising and editing. Maybe it's watching a TED Talk about that research, whatever the case may be. So sometimes the task at hand is, oh, I really need to write or I really need to work on this project. And that's just too overwhelming to a student. Sometimes having kind of a positive procrastination list is helpful. And essentially what that is, is it's a list of things that are still productive and still related to that task, but may not be exactly that task. So rather than drafting that research paper right now, they can start doing some of the research or they can work on some of the citations for the current part that they've written, things like that. So it doesn't work for everything, but there are a lot of times where there's a lot of subtests that we can be working on and then we can come back to another task. So that's kind of those two tips for you. So that is the end of all things calendar and time management. I do wanna just share some additional resources for those of you that maybe this is the first time you've tuned into one of these or maybe you didn't know that there were other things out there. So our healthychaps.weebly.com, that website has six blog posts that I've either drafted or kind of helped draft or whatever based on a lot of the webinars that we've covered. So there's how to organize your digital notebook. There's a study skills one, benefits of journaling, managing digital distractions. That was a webinar that we did. So there's a lot of tips there. The study tip bundle has a whole PDF you can download of tips for a variety of different classes here. And then vocabulary site tip is actually written by one of our world language teachers. So all of those are there and then there'll be one more added. Basically I'll draft a blog post for each one of these webinars. So you'll have kind of a written quick reference to things. And the last thing I wanted to mention is the spring 2018 tech talk. Time management calendars was today. On March 21st, we will be tuning in to Mr. Chris Hansen and he will be talking about resource betting and also fake news and kind of how to navigate those things. And the third one is assessment prep that we'll get into talking about some of the assessment tools that we have. Available, Albert IO is one that you may have seen in some newsletter. So we'll kind of dig in deeper. That's a great, if you want help with SAT prep or ACT prep, that's a free tool that we are offering. Well, it's a tool that we are offering freely to our students. And so we'll kind of go through some of those. And then for those of you who have seniors, we have a May 3rd webinar that we'll talk about how to transition their accounts, anything they have, and a little bit of just college prep, talking about maybe some of the tools that will be beneficial to them.


Thank you, everyone. Welcome to the October Hyperledger Financial Markets Mortgage Subgroup Meeting. That's always a mouthful. Before we get started, as always, I'd like to express our appreciation to the Financial Markets Special Interest Group, the Hyperledger Foundation for their ongoing support and really making these meetings possible. So thank you to them and thank you to you guys for joining. Okay, so as always, please note that this meeting is under the umbrella of the Hyperledger Foundation. So we ask that everyone abide by the antitrust policy and code of conduct. We always go through this every session for antitrust. Please avoid discussions of company specific pricing products projects don't make negative remarks about other companies or products. And by the code of conduct, please treat each other with respect, never discriminate, communicate constructively. We fully support Hyperledger's policy of openness, equity and inclusion. And if you're a new participant, please introduce yourself in the chat. If there's anything that you would like or would like us to discuss or have an interest in, please mention that in the chat as well. So here is the agenda for today. We've already gone through the welcome and meeting housekeeping stuff. There's a brief Hyperledger announcement, then James Hendrick is going to go through the state of blockchain in the global mortgage industry. Davis Gerald is going to do the Wise County Smart Land Records use case will briefly go over future agenda topics and Q&A. We always covered the next set of slides in every meeting and really it's just to reiterate that we're all on the same blockchain journey, but we may be at different points along this journey. This group is meant to help everyone on that path to demonstrate the feasibility of blockchain technology through mortgage industry use cases such as we're going to see later today, and to define potential implementation paths for the mortgage industry. Okay, community information. I wanted to mention really briefly that there is a Hyperledger workshop that's part of the IEEE Global Emerging Technology Blockchain Forum. So the forum is virtual. It goes from November 7 through the 11th. The Hyperledger workshop is on November 8 and it's from 8am to 11pm Pacific. Kamlesh Nagwari and I are the co-chairs and moderators. Kamlesh is the CTO of Snapper of Future Tech, a Hyperledger Technical Steering Committee member. He's also co-chair of Hyperledger India and co-chair of the IEEE Blockchain Initiative Sustainability Committee. He's a TED speaker as well on blockchain. So I'm really excited to be working with him and this is a pre-session. So we'll make the links available or you can go to this website. Please feel free to join. Next set of slides we always cover because they're really for new members or if you're looking to get new information on blockchain and the different groups that we're a part of. So this slide covers the different resources that are available and you can see on the second from the bottom there, the link to the mortgage subgroup wiki. To access these resources you'll need to create an LFID. I'm not going to go through this but I want to make sure you have access to this information. And then blockchain training as well. I always mentioned that I've taken this training. It's fantastic. It's a great starting point. So with that, that brings us to the state of blockchain and the global mortgage industry and James will walk us through this. Take it away James. Good and thank you very much. Let's go ahead and move on to the first line. So again for everybody this is a recap of the various articles and information that we've been covering in these presentations over the last couple years. You know, as you noticed we kind of talked a couple months ago we were moving our way around the continents, showing you that blockchain technology within the mortgage industry really is taking off on every continent. And that is probably the only one we haven't touched as of yet. But we do have two new topics today one coming out of India. And one is actually a white paper that Deloitte released some time back, and Marvin let's jump on to the first global page. Fantastic. So you know taking a look out of India India's second largest state Maharashtra they're leveraging distributed lever distributed ledger technology to revamp the documentation of land property. They currently have a blockchain pilot that's already started and they're working with banks and other mortgage companies including the Indian Banking Association. The property info is being stored on public ledgers while documents will bury a serial number to improve searching for the info to protect both investors and lenders. Ironically the state's registry was first kicked off because of COVID-19 restrictions in 2020. And that's where the whole concept for their registration really started. Maharashtra State Board of Skill Development or the MSBSD is leveraging DLT technology to issue nearly 100,000 digital certificates on the polygon blockchain in India.  The IBF serves as an advocacy primarily for industries that seek to achieve several objectives, including creating an Indian blockchain stack creating a talent pool for firms to be able to tap into and triggering triggering a growth and spur for the ecosystem. So if you get an opportunity the article is up and available on the wiki take a look and you can find out a little bit more about what's going on in India. The second article we have on the global stage this is actually a white paper that came out of Deloitte it's a little bit dated but it's still worth the review to take a look. I'm not going to go into everything it's about a 30 page white paper but they really break down around six different opportunities I'll talk about a few of them. Looking at both what's the current challenge that we deal with in those areas as well as what opportunities can blockchain bring to the table. So everything from improving property searches and expediting pre lease due diligence easing leasing and subsequent property and cash flow management with you know blockchain smart contracts. They can enable an easier transparent and more efficient management of these transactions, enabling smarter decision making by connecting tech systems that helps refine the quality of the data the analysis and the decisions that businesses are making, transparent and relative cheaper property title management, kind of the you know theme of what we're going to be discussing in today's meeting ranges from title management and property searches, and enabling more efficient processing of financing and payments, you know, blockchain allows transactions that are faster cheaper and safer through an immutable record on the blockchain. So definitely take a look at these and some of the previous articles that we posted out there on the global level, taking a look at the US level. Next page Marvin, perfect. You know again here's a variety of the articles that we've been talking about throughout these presentations over the last couple of years. I will pull up to that I thought were really well suited for today's topic. But again, if you have the opportunity, go back and take a look at the information that's available on the wiki. On the next slide, taking a look at the, the first one, you know, blockchain can potentially resolve five critical issues in the real estate industry. So, you know, taking a look at the five that the article talk about everything from property searches, you know as we mentioned in the previous Deloitte article, you know statistics suggest that 93% of home buyers in the US use an online website. Frequently the information on these sites it's inaccurate it's inaccurate, it's outdated or it's incomplete and blockchain has the ability to help solve these issues. There's even an additional fees financing and loan loan origination underwriting you know as we know are very manual and unstandardized processes by digitizing a mortgage information such as ownership rights loan payment history can be programmed to, you know support future servicing servicing issues as well. So our contracts again can collect and distribute payments to the beneficiaries will simultaneously reporting to the regulators. Decision making for tenants and landlords of data, data is accessible or immutable shared network. It helps facilitate that information flow between landlords and tenants, and then property title management. So current systems of property tiles. It's often fragmented difficult to manage blockchain makes transferring, you know, safe. It makes transfer safe by removing some of those human error issues and reducing the potential for fraud so a great article coming out of crypto slate. And then from defy rate I just I love their little quote here on defy mission. It's a great article you know we've been talking a lot over the last several months about crypto mortgages. This article does a fantastic job of giving an overview of, hey, what exactly is a crypto mortgage, how does it work. How does a crypto mortgage compare versus a traditional mortgage they use an example we've talked about Milo before and our calls. This is an example of a 30 year crypto mortgage from Milo on, you know, one of the questions that comes up in a crypto mortgage what happens when crypto assets change in value during the mortgage term. You know the value of crypto holdings increase the collateral becomes worth more than what it was initially registered at and the borrows ultimately going to, you know, benefit from that. But on the flip side of values decrease significantly borrowers may be required to add additional crypto assets as collateral and or the lender may seize and sell some of these existing assets in order to make up the shortfall. So the article does a great job of talking about kind of the pros and cons of crypto mortgages, as well as presenting for different lenders that here in October of 2022 that are actively doing crypto mortgages which, if you look back a year ago, you know I don't know any of them were officially kicked off with doing more crypto mortgages at this time. Last slide Marvin. And again just to you know refresh for everybody this is the wiki site for the mortgage indices subgroup. You'll see we've got the newest articles posted up there on the right, you know on the left hand side. There's access to all the previous meetings and presentations that we've done so if you're looking for some of that older content. Take a look over there in the left hand menu. And then you know Marvin shared the information at the beginning on how to actually sign up here for the mortgage indices subgroup how to set up your LF ID. When we do post things to the subgroup automatic notifications do get out so if you do want to see new information that's coming out. Please do sign up because you'll get notified automatically as we're making our posts, and Alma just dropped into the chat for everybody the link down there at the bottom so if you get a chance open up the chat click on that link and save yourself a favorite. And with that Marvin I'm going to pass it back over to you and the presentation by Dave. Thanks that's some great information as always. I'm particularly scared of a margin call on a crypto mortgage. So that's going to start keeping me up at night. Next I'd like to introduce David Fitzgerald he's the founder and CEO of blockable LLC. Dave has an extensive background in enterprise software development blockable develop the smart land record software for wise county Virginia, an immutable ledger solution for county land records that allows for better cheaper faster land title abstraction blockable is deeply invested in the ongoing digital transformation of the residential home buying and selling process in the US and David it's great to have you here thank you for joining us. Thank you very much Marvin and James and Marvin can you hear me. Yes, I can. Yeah, great. So, thanks very much Marvin and James for the invitation to this, I really appreciate it. Thank you guys for attending out there. I want to say welcome and greetings from the old dominion. I'm here in Arlington, Virginia, just outside of DC. And I send my greetings to all of you. We're going to start with a presentation. So, and Marvin, do you want me to show it from my computer. Yes, I just stopped sharing if you want to share your screen. Okay, so I'll start. I'll share my screen, and we'll go here to the presentation, and we'll pull that up and we'll put it on presentation view. Okay, so we're going to talk about wise County Virginia smart land record creation project now I just want to make sure that you understand I use the term smart land record. I coined it. I had not trademarked it it has nothing to do or very little to do with a smart contract. Okay, it's just what we called an abstract that is easy to access over the internet. It's easy to read. Easy to share. It's not easy to you can't it's on an immutable letter ledgers so you cannot change it in any way on the on the original database. But I just want to point that out so when I talk about a smart land record. I'll show you what it is when we do the demo. It's not, it's not a smart contract.  So, you know, I had the idea of, I guess, once it was a refinanced my house. I thought that this re buying a title insurance for something I was already in, and for about 20 years, didn't make any sense to me. So we're looking at the idea of digitizing land records and seeing how that might change the dynamics around issuing title insurance on a residence. So we're talking to to Jack Kennedy down in Wise County, and we launched this project. But before we get into that, I just want to kind of set the, I want to set the context for what this discussion is about. Perhaps this is beating a dead horse for you guys on this meeting. But I think many of us share a vision that there's an ongoing digitization effort in the US home buying process. And home buyers and sellers in the US will one day soon be able to transact their their property transfer using a smartphone app. Okay, and I think that's going to be from soup to nuts. It's not here today. Searching for a home is already digitized certainly we use Zillow and open door and various other apps for that. And all the paperwork that's related to actually prop proper transfer property transfer pardon me is digitizable obviously biometrics are more frog resistant and secure than what signatures today. So this idea of going into a settlement office and sitting there for 45 minutes signing documents with you and your spouse reunion your significant other. That's really, that's really yesterday. It's not not what we should be doing today. Applying for mortgages has already been digitized by some parties of course you guys familiar with all the rocket mortgage ads and likewise companies like that. And as James points out, every month. There are many large banks that are just digitizing complex multi party property transfers and placing them on blockchains and I'm not talking about residential property. I'm talking about property related to supply chain issues smart contracts between big loan portfolios that are switching hands between banks. All that stuff is being digitized now and placed on blockchains and lowering the cost of residential property transfer in America. Through the time compression of the transfer process and other means is a priority for the federal government and for the government securitization entities. So the Fannie Mae's and the Freddie max of the world with home prices continually advancing in this current land cycle. The feds are looking for ways to try to make home buying and home ownership more affordable. It's obviously a massive challenge. But one of the ways they're looking at is to is to compress this 45 day settlement cycle into maybe a five day settlement cycle. All these things are leading towards some towards this ability. And the next number of years to be able to transact this on our smartphones. That leads us to the context of the wise county smart land record project. So, I want to kind of place it is a simple diagram couldn't be easier right on your left side of your screen. We have listed the sections of the US residential real estate transaction process. If we start, let's say at the bottom of the triangle, we have what I'm calling pre settlement. So that's when we list a property and we look and we search for properties as buyers and sellers. Okay. And in that area, we're talking about people like Zillow and open door, and those other sorts of apps that are that are at the bottom level of this pyramid. So part of the pyramid we have what I'm calling the settlement part of the process. And that's where we bargain and sale for the property transfer title abstraction is done on the property in question. The property transfer begins a home inspection is kicked off if that's appropriate title insurance is applied for and granted. Then at settlement, we have the signing of all the documents, and the mortgage origination is is kicked off right now in that space. That's the space where this wise county project is relevant. Many of you may have heard of the Cook County, Illinois, some work they've been doing on putting certain types of land record property on a blockchain that was related to abandoned properties. So mostly to tag the abandoned properties to to allow for well to disallow really fraud that was occurring on abandoned properties. And a lot of likes to likes to talk about some of the municipal records they're putting on blockchains and our friends. There's a friend here as part of the special interest group of punctual abstract. He's doing some good work when it comes to digitizing the abstraction process. You've heard of outfits like figure, James has talked about them in the past, and they're certainly part of the space on the top part in the post settlement area. We're talking about bundling loans by the banks or by the mortgage originators right servicing those loans, securitizing the loans, and then trading trading those securities those mortgage securities. That's the post settlement aspect of this ecosystem. I will tell you, all the government securitization entities are involved in aspects of starting to digitize these the various parts of their process and looking at ways to put them on blockchains. We heard from Renier solutions two months ago. Nice presentation there about what they're doing to digitize and automate the loan transfer between mortgage origination entities. I don't know if you've read but there's excellent white paper done by Redwood Trust out in Marin County in California about what they're doing with liquid mortgage and inputting their part of this process. On a blockchain. So, where we are. Now you have the context for for what this project is about. So why are land modernization efforts important. What are the benefits of applying new technologies like blockchain or immutable ledgers to lane record modern modernization efforts right. It's very timely that James talked about those efforts that are happening in India. It's, it's really the developed world can benefit the most from digitizing their their property transfer records. We're, we as the advanced developed nation are on our way to to digitizing more and more of that process but there will be countries that are at zero. That end up at more than more than where the US is because they have a, they have a digital divide that's easy to cross it's like folks in sub Saharan Africa, all of a sudden having cell phones and internet access. They went from zero to 100 with a wireless technology and something similar like that can happen in land records for developed countries. With the pandemic we had an ever decreasing need to physically visit land records office the counties were not open county court houses were closed. Even if their records were accessible online there are complex abstractions that require historians researchers and abstract personnel to to visit the county courthouse. During a pandemic, we didn't want that we want to minimize visits we also want to minimize folks spending money to go visit the courthouse. So, any sort of easier access to data just over the internet connection is a priority. We can if we digitize land records appropriately we can create much faster discovery of ownership history like I'm going to show you in the demo. And once the smart land record exists, the effort to abstract property for title insurance can be done in minutes, instead of the two to three hours it normally takes. So you have faster time to closing increased transaction velocity that we talked about, you have better cheaper economics for land property title insurance. You have better cheaper faster land record access and discovery for the citizens of the county, or for the clients of the county so if you think about accounting with land records. They are in a business of providing land records to power users right to the settlement companies the settlement attorneys to mortgage banking companies to the title insurance companies. They have set up accounts for those heavy users, and they charge them for the use of their land record data. Okay, so better service provided to the county's record data customers is is part of why this is interesting. I want to tell you about the wise county Virginia land records project. First of all, a little bit wise county is in southwestern Virginia. Western most part of the county borders Tennessee. It is the second to the last county at the end of that long western chain at the tip of Virginia. It's got about 40,000 residents it's firmly in Appalachia, and the bulk of the economic development around that area for the last 100 years has been tobacco textiles and then coal, all three of which have been radically over the last number of decades. So, what was once pretty thriving economic development has really entered a long period of stagnation and decline on wise county is about 40,000 residents, which would place it exactly in the middle of a bell curve. If I showed you a bell curve of the Virginia counties by population. Half of the 134 county and county equivalents in Virginia would be greater than than 40,000 people and a half would be smaller. So wise county is certainly very representative of rural Virginia in in in every way. What we did was we are all familiar with how fragmented land records are in the US, they're non uniform, they're dispersed around 3154 county and county equivalents. They're time consuming to research even when they're online costs to property sellers and buyers based on the records are high. And they're not reflective of the actual economic effort or risk, particularly when it comes to title insurance. Working with Jack Kennedy, who is the county clerk. Jack used to be a state senator for first of all he was an attorney in Virginia. He then successfully ran for a seat in the state Senate. He was a Democrat in a very red, red area. So he's what we used to call a blue dog Democrat. He was redistrict out of his Senate seat by gerrymandering and he then ran for the house, and he was represented wise county in the house in the house of delegates in Virginia. For a couple of times before they redistricted him again, and, and he decided to give that up and run for clerk of the court, which he successfully ran for and he's in these is third eight year term as clerk of the court. He is a visionary. He's into blockchain. He is into graphene. He is into drone delivery. And he is into space exploration. So he's a visionary. I was very pleased to be introduced to him, and to talk to him about this idea of, of putting land records and creating smart records and putting them on a blockchain. It wasn't a hard sell. When I met with Jack. So we, we wanted to create what we call a bottom up data set that has land abstract information in each one of those smart land records with the objective of making the access to the information better cheaper and faster. This is Jack's mantra, right to this whole raison d'etre for being in the, in the clerk's office. The elements of the solution were, I had to team up with Jack, who was the clerk of the court, the clerk of the court typically oversees land records in this country, but not exclusively. Sometimes there are other parts of the municipality to do that. So I had to team up with his land records team to tell them, not tell them but share with them what what the vision was. I specified a data entry software system that builds what I call smart records and stores them on immutable ledger for secure public access to do that building. We implemented a workforce development project for training and employing land title abstract drafters and these were interns from the local colleges in southwestern Virginia. They had to be college students that was one of Jack's minimal requirements, and we would recruit from the local colleges in the area, actually, very effectively, we were always able to find a good cohort. We would train those interns in the art of abstracting. And then we would supervise them as they were paid. First 12 bucks an hour, then with inflation 14 bucks an hour to create these land records so we got grants for that I'll talk touch on that in a little bit. The land records once they created them as drafts they would be reviewed by by land record office personnel who are professional abstractors themselves before they were validated and put on a unimmutable ledger, which in this case was AWS is quantum ledger database or the qldb And the costs for this project we're going to be $150,000 to build the software $25,000 for support and maintenance over two years so 12,500 per year was modest and $50,000 for each workforce development cohort. Obviously that depends on the size of the cohort and how much we're going to pay them and how much time, each one of the interns is going to devote to the work. But we've ended up doing $150,000 worth of workforce development between the various grants. So the wise county record record project was stood up through successful grant applications. Through the cares, federal distribution of cash for the pandemic that went down to every municipality in this country. We successfully applied for some funds for that. With the with the target of trying to reduce the traffic to the courthouse. We want people to visit the courthouse and do whatever they have to do virtually as much as possible during a pandemic. We raised funds from the region. There's a Virginia coal economic development authority that granted us money for the workforce development. We raised it from the state through their state compensation board technology transfer fund, and we raised money from the federal government through the Appalachian Regional Commission. So in total we raised $400,000 for the software creation, the support maintenance of the software, the workforce development training and hiring. And that will go through the end of December of 2023, which coincides with with Jack Kennedy's end of his term and his retirement. The last amount of money was from the Appalachian Regional Commission. It was $100,000 grant for the continuation of the workforce development project. So we're going to continue to hire more interns, put them to work developing these smart land records and in building the database. So from May 2021. So it's a year ago and a half, roughly to the present we've trained and employed 20 land record creation interns from local colleges. Data entry began in June of last year, and another 24 interns will go through the program over the next 16 months. To date they've created about 2500 smart land records. I'll show that to you in a little bit. And the goal is to have 5000 smart land records created by the end of 2023. The county is now integrating the smart land records into its existing online record database and projected to open the database to the public in December of this year. We essentially also created what is a test bed. What I thought the main goal of this was a test bed for future application of automation software, like co machine learning, which is a part of artificial intelligence programming. So we know, right, every step of the way that has to be taken to create a smart land record physically with human interaction. We know where in the database, the online database of wise county the records reside. Should there be a strong enough desire economically. I think there is the current technology and where we fall to use optical character reading to use API's and to use co machine learning to automate the creation of the smart land records and place them on an immutable ledger. So I'm going to show you real quickly just kind of walk through the demo. I'll answer questions. If there are any at the end of it. And then there's my contact info. If you want to start a conversation or reach out to me for any reason following us, please, please do so. Okay, so I'm going to get out of this. We're going to stop sharing that one. I'm going to go down. And before I start to demo anything you want me to do, Marvin, are we good. No, we're good. Please continue on with the demo. I'm sure there are some questions I do have several questions that was a great presentation. Thank you. Okay, this demo will go through fairly quickly. I'm going to share it. Marvin just tell me when you can see it. You can see it. Okay, great. So, what I have here, let me see if I can move this thing. Trying to get out of my panel here. There we go. Okay, so here's blockable.io. I am not the most creative guy. So when I thought what I was going to name this, this software was going to call it after my company name so it's blockable.io it's internet accessible from anywhere in the world. There's a couple of parts to it. We're looking at the dashboard right now. And as a, as somebody who is vetted and trusted by Wise County, I have administrative aspects to it that are not going to be available to the public. The public would be given access to this, and they would have different credentials when they're when when the credentials are shared with them, and they would have access to just the parts that I'm going to show you about search. In this dashboard what you're seeing is a simple, a simple numbers to show you how many smart records are in the database, the immutable ledger. These searches will perform this week we haven't opened to the public yet so these are searches that that the the interns are doing and how many smart records have been validated so you can see there are still about 500 records, waiting to be validated by the land records personnel. There have been now 2200 smart records that have been validated one shape or the other. This is just a graph, what I'm showing you here is just a graph of the production of the records over time. And we can look at, you know, one month of creation, six months of creation. If we look at all of it. It's kind of how it was I can zoom in on it and look at other discrete parts, just to give an idea of the production of the interns. There was obviously a peak of peak of production. This was over a weekend when a bunch of validation was done. There's access to records for me to validate and so forth and so on so this is just the dashboard. Here is a smart land record.  This is a smart land record abstract. That's just put on a simple easy to read format, I think, obviously you can send it to yourself and export it to PDF.   This one happens to be for this property 230 Craig Street Northwest in Norton Virginia Norton's a town inside a wise county. So you have a property legal description you've got a property parcel number, which the county gives to every piece of land that's on its land registry. All right. And we start with the record itself. It's got transfers of all the sales that have happened on this property I'll just scroll through real quickly to show you that this one goes all the way back to 1926. There's about four or five transfers within this example. The current and last transfer was done in 2018. So what we have here on the left side is historical dates, certain e file ID informations the target to the database the county's database. We have the grand tours and the grantees of the property. Here you can see the grantees were Kaylee and Blake, say it was Salier, and they bought the property from Jeremy Elizabeth Robert and Rebecca Massey. Okay, that's the most recent transfer through this property. It has instrument ID. The type of instrument was was a bargain and sale. It's in the land records they paid $67,000 for it approximately. We list the easements. We show the encumbrances so here this incumbents the first incumbents belong belongs to the grantees. What was it they brought a credit line deed of trust from from first bank and trust company for $30,000 when it's due that's the first incumbents. There was another incumbents that they got, which was a refinance deed of trust so they basically bought the property for $67,000 they they took out credit line deed of trust for $30,000. And then later, a couple years after they bought it. They refinanced and got a deed of trust for $96,000 on the property. And that's due in 2040. Okay, so it was a 20 year loan. Before that there was a transfer from the from the Porter fields. So he was a grantor Donald Louise Porter field was a grantor they transferred it to the four grantees that we had listed before. This was also a data bargain and sale that group paid $98,000. They have different encumbrances. This is interesting. This shows an encumbrance on Elizabeth Massey of a judgment. There was a judgment against her for 1058 bucks that was essentially a lien on the house that had to be cleared before that property made it to transfer a. And she had another encumbrance another judgment. So before she was able to transfer that property to transfer a because she was one of the grantees, she had to take care of that judgment. So this just gives you an idea and then it goes transfer see was in 1986. That was between monarchy sold it to Donald Louise. It shows where the the information is located how much again easements. This one is interesting in 1980. There was a transfer through a last willing testament. So they're not always bargains and bargains deeds bargain and sale. Often their, their, their wills that we have to go through the will book and figure that out. And then this was a 40 year, we were doing 40 year backward nation now. This, this was an earlier done when we were doing 60 year backward nation. So this actually went all the way back to 1926 in the transfer of that property there.  You search by the owner name, where you search by the chain status and that means what, what's on the, what's in the database and if I do it by chain status. You know when you come here you can see that it can either be published drafted validated superseded or subdivided. So a draft is what the interns are working on validated is what's been validating is what the lane records personnel are looking to to finalize published is a finalized agreed to smart land record superseded is a smart land record that has new information on it. So we're going to build a new block from the old block, we never get rid of the information in the old block it's on the immutable ledger. And then there's also an ability to subdivide a property going forward so those those are the kind of things here we search for the published records, and we're able to show. down below that there are 1,536 of these records. I just happened to be on the first page there's the fourth page there's 308 pages of these records, you get the idea. Okay, those are the published records. In the search we can look at superseded records. So there's a 662 superseded records so these were records that began as as as published records, but then new transactions. were added to them, and they got added to so they became superseded. And then here we have the records there's 432 of them down here below. Those are the ones that are in the queue, waiting for land record personnel to to agree that they work and publish them. If they reject them because there's errors, they're inside the administrative part of the system they send them back to the interns with a note as to what has to be corrected, or what's missing. And then that intern will redo the draft and submit it again for validation. In a quick search I can just show you here I'm going to search for something by citizen address so citizen addresses, the, the, it's not recognized as an official address, your home address to give to all your friends isn't isn't considered an official address, but it's what we call a citizen address I'll just look for something that has yellow in it. And sure enough, there's 13 properties, yellow poplar street is is has properties on it. And also, what is this yellow creek road. I could look by owner name. And if I take, you know, Smith, for instance is in the owner name, and I do a search. I come up with there's 485 of these properties. If I click on this. Then what that does is puts me to the, that one is not found for some reason but it puts me to the, to the property puts me that smart land record that I that I showed you over here. Okay, but we have a question in the chat from Will Gessner. Is it planned and what would it take to make this smart land record the official legal record so that paper can be destroyed. Okay, it's a it's a good question will already. These are considered official records. They all come from records that are considered official from the county. At the bottom you'll see here the information containing this document is thought to be accurate. However, no warranties implied or expressed exist regarding the veracity of the data. That's true of any county land record that's that's whether it's in their books, whether it's on microfiche, or whether it's on the internet that they're authorized. The county represents to you that this is their best understood information. They don't guarantee that it's not been fraught it or there's something wrong with it or there's typos or things like that. It's just the best that they can do. So today these smart land records are to be used by the public and and if the public wants to use it to understand information about the property. So that today, if a settlement attorney, or if an abstractor wants to use this as the basis of what they do to create their abstract that they're charging for, and that they're sending to the title insurance companies, they're going to, you know, use it. If they feel comfortable with it. And one of the county's objectives is to convince the settlement attorney's customers that they have that this is as accurate as anything in the database that if they search for it themselves, they'd find the same issue. But if they don't trust it that's fine. Use it. If you wish, don't use it. If you don't, or use it as the start of your search to make your search much shorter. Does that answer your question will Yes, thanks a lot great and great project to by the way excellent concept and kudos to you and the and the team there. I appreciate that. Thank you very much it's kind of you. I wanted to show you real quick because we're running out of time. So I've gone into here and this is now the creation tab. I pulled it up, and I just started typing some nonsense into a draft right. So I'm calling this 1111 test street in wise Virginia. I gave it a short property description. I assigned it make believe property ID, or property identification number pin, all the properties and the counties are tagged with some kind of property ID. Okay, and that's what's going to tie together our search when we look for things. If we come in, and we don't know the name of the owner, and we don't know the address of the owner of the property. But somebody said hey I want you to look at this property with this pin. Maybe I got it from the assessment records. Then it's that pin that kind of ties all this stuff together. What I did was I went down in this wizard, and I started entering data. So the first, the first part of the wizard if you look at it is property transfer. So property transfer I entered the date today's date. I said it was a land record, I gave the instrument number. Where do I get this information. I get all this information from the county's online website that has all their wills has all their land records has all their judgments all that kind of stuff. So that's what I'm searching on and extracting that data and putting it into the smart land record. So it's got the grand tours is the next one. Then it's got the grantees, then it's got easements, then it's got the encumbrances. Okay, and once I'm finished doing that. I can add a new transfer right so that was my most recent transfer. Now I'm going back in the record. I want to add a new transfer. Now I'm in transfer be. Now all these sections, when I'm ready to do it. I save it, and then I submit it. When I submit it goes into that validating pool. And, and that's when the land record personnel take over. Okay, so that is. That is my presentation to you, and I'm open for any questions if you've got any. Thank you for that great presentation. I do have a couple questions and if there's anyone else on this call that has questions, please speak up or put it in the chat. You mentioned that you were using AWS is quantum ledger. Why did you guys choose that and some, as opposed to some other blockchain, and then a second part of that question can you talk about some of the operational costs and using AWS is quantum ledger. So it's a great question. So what we did when we conceived of the project was we very much wanted to put the validated lane records on a mutable ledger, or an actual blockchain, depending on what was most economically viable. We don't want any concern in the public's mind that this is data that could be hackable, or could be used easily for fraud. So probably the number one criteria was having a technology that after explanation could be could be explained to anybody. And security, right, so that was probably the first main main feature of this program. When we looked into whether we wanted to put it on Ethereum, or polygon or use a hyper ledger, or other kinds of things, because the county is not a community, because the county of wise is not a community of disinterested or interested in untrusted parties. It is its own entity, it's going to be the gatekeeper. We didn't think we needed a decentralized system. Okay, for this one proof of concept if you will. So we actually took a what I think is a cheaper, faster route. And we looked at immutable ledgers that are offered by Amazon course Google has one so does Microsoft. So any of the cloud users will provide an immutable ledger, it's not a blockchain. In the sense that you have independent nodes. It's not a blockchain in the sense that it's distributed. But it is a blockchain like ledger in the sense that all these records are hashed. You can search them on a Merkel tree. And the, the ledger itself I mean even Jeff Bezos can't hack the quantum qldb ledger, you know it's just, it's built on the cryptography that makes block change what it what they are. So that's the first part. The second part to your question. We've got five, six, seven people at a time, entering data, any day of the week on all 30 days of the month or 31 or 28 depending on the month is costs us about 220 bucks a month to run the system on AWS. So we think that that's just on the. So that's not the development cost that's just the monthly cost for the AWS system so it's a small system, right we've only got a couple of thousand records this that the other, but it certainly is affordable. Dave appreciate you taking the time to walk everybody through this today is a great presentation. A lot of curiosity. So it looks like you guys are currently set up for wise county as there have been any thoughts or discussions about incorporating other counties from Virginia, and or the potential on a larger scale of this becoming a national registry. So what was the idea in the beginning was after we established this in one place we want to take it to others on what what what you discovered dealing with municipalities is you know they're certainly very conservative. They're certainly economically challenged on clerks of the court are to their great credit extremely conservative people. Okay, so Jack Kennedy happens to be an outlier.  Lucky for me and my business development I was able to talk to him. But you're not going to propagate this county by county. In my opinion working through the clerks of the court, you would propagate it as a private company. And you would go ahead and use the public databases, which are open access, you would use those to create smart land records and what you would need to do to do that is you would need to use optical character reading or direct connect through the APIs to their various databases. And then you would need to do the co machine learning and training on this to make this automated. There is not a viable story behind this. If we're just going to make smart land records using using data entry like this. So this was really kind of a proof of concept. We can see where it would go. But to me, unless you automate this process. You're just doing it. You're kind of recreating what's already there. Thankfully the wise county public will benefit from this. But it cost the money that I showed you that it cost. And there's cost in in continually updating the record. All this has to be in the technologies today exist to do that. Hey, great. Thank you Dave. Any other questions from the rest of our participants for Dave. Okay, I think that's it in terms of the questions. Again, thank you Dave that that was a great presentation. That's a real interesting project and definitely keep us up to date on the future steps. I'm really interested to see how this goes. The two things that I did want to mention from your presentation that really stood out to me. Number one, Jack Kennedy. We need more leaders like that that really think about the future not politicians and I'm going to get on my soapbox, not politicians that say I don't use a computer or I don't know what the internet is we need more Jack Kennedy so that was fantastic. Jack is is the star of the show. And it was one of my great fortunes you know when you're in business you have good luck and you have bad luck, but my good luck was being connected to Jack and from all that everything happened. Yeah, yeah, absolutely. And I think you hit upon the other point I wanted to make and I know we've already gone past the hour. To maintain immutable edges. That's just a stepping stone to AI to machine learning to all of the things that can really leverage this information to data fabric so I think you hit upon that and hopefully over the next year or so will really be able to start to leverage this technology and this information so thank you. That was awesome. I think that's right and I'll just end by saying blockchain in my opinion right for enterprise use is just a piece of the plumbing. Right, I don't get all enamored about how wonderful it is and how it's going to change the world or this and that it is a wonderful tool when used appropriately, certain the best application has been cryptocurrency, but all these other applications reside on this plumbing going forward. I think that that brings it into the here and now and I think it takes the mystery away from it. Okay, that thank you. Thank you again. Just before we go future agenda topics I wanted to mention to everyone, we have attended a schedule for November I'm still finding finalizing arrangements. On the schedule we have Rick Brandt, a journalist and longtime mortgage industry observer. Rick was just asked by Blockfinn to chair an industry think tank. He also hosts an ongoing podcast that's called Would You Consider that covers developments in the mortgage industry. So we'll have him in November and we're still adding to that itinerary so if there's anything people are interested in please let me know. That's it. Thank you guys for joining. I think this was a great session. Everyone have a good day. Have a good day everyone appreciate your attendance.


Did you guys know us? No, actually no. You're looking at us like you knew us. You're trying to figure it out. No, yeah, we were trying to figure it out. You know how much you can figure it out pretty well. My name is Esfan, and this is Asmengold. Oh, wow. Look up Twitch.tv slash Asmengold, and you'll find it. Asmengold. Asmengold. Oh, cool. Who is Asmengold? Hey, I've been trying to find out for years. I was like, is this some, like, super racist man or something? What is up, guys? We're here with Dad, with Nathan. Hi. Nathan Barnett. Dad's going to be Nathan today. But you should all know that Dad is Nathan. Nathan is Keith. Nathan is... Dad is everything. Dad is, it's a spiderweb of characters. We are in downtown Tampa Bay, and we have literally no idea what to do. The pros of this is that there is no expectations. The cons of this is that there's no plan. Are you going to die? I tried to burp, and this really rotten piece of egg came out. Oh, no. Yeah, Dad's feeling it. Tell him how your entire hydration story went. The most annoying part of all this, before I begin, is that I was in the best shape out of, I'd say, I went crazy on my diet. Out of maybe everyone, who knows, doctors will decide. I felt amazing, and I never got touched. The next day, I feel the worst. I feel so bad. I didn't even get hit. I got hit in the soul. The problem is I lost 22 pounds, and to lose the last four, I sweat it out. And I had no food in me for 24 hours of water. Fight day, every hydrated. But then, I made the mistake last night of not having food all day. And after the fight, I drank alcohol, and I have fire hose diarrhea. Yeah. So I'm squirting all day. And you hit, like, a double bag of IV? Oh, yeah, that was awesome. We just did that. We went to the IV place, and said, I love getting IVs. They're just good to do, if you want to get hydrated. I said, give me the super bag. So she just dumped as much stuff inside me as she could. And I did it again. I did a double whammy.  I was hydrated. Chad, I'm dead serious. We have literally no idea what we're doing. It is a Sunday evening. We're following these guys who don't live here. Yeah. It's Sunday. There's not going to be anybody. There's no one downtown on Sunday. We're going to be honest. We're just looking for Tom Brady. You know, we've been here two days, and we still haven't seen Tom Brady. It's a heavy amount of disappointment. We just kind of just thought he would be everywhere. Does he live here? I think so. Maybe not in the off season. Yeah, he might go back or something. Excuse me. Hey, Bob, where's Tom Brady? Tom Brady, live here. He hasn't lived here. Oh, well. See, here's the problem. The problem is, is when you ask us this all the time, they're like, hey, S-Fan, I'm coming to Austin. What is there to do there? I went, dude, I'm in my room all day. Like, why are you asking me that? You can come here and watch my stream. Yeah. What is there to do in Austin? The grand arena. Go for it. I'm still moving for free. I'm getting...   I've only seen a few crackheads. I expected to show up in Florida and the streets to just be littered with... Crackheads. Crackheads. People want bath salts. And just pretty much anything that could possibly be a bad decision was gonna happen. I always salt fun, and I knocked him out last night. Yeah. True. True. Oh, what's the palace? Indubitably. Yeah, what is this? It's a cemetery for one guy. Hey, his name is Trash. One big row. It's a cemetery for one guy and his name is Trash. Perhaps parents of knowledge. Oh, you just leave it there. No. They're trying to throw us off, because it's literally right in the middle of the road. What do you want? Yeah, she's a regular one. This must be recycling. This is recycling, then. Well, maybe it's supposed to be next to it. As if you can't see Trash can't understand what it can be assigned. There's another one. What is this thing? That's too funny. They might think it's a robot otherwise. It's like an among us. If only you guys could smell what is arising out of my bowels. I have foul bowels very badly right now. Can I get a picture where you know? It's my 21st birthday. Oh, it's my birthday, dude. Let's do it this way for some of the sun. Yeah, yeah, yeah. Not the boxing event, though. I wasn't able to watch the boxing. Was it? Yeah. Thank you. Thank you so much. You're gonna appreciate this picture later. You were great in the press conference. Oh, you saw? Yeah. I saw the press conference. We won't spoil anything, but go find a way to watch the fights. You can actually, so you can still get the bot. You can still play the $25, and you can still watch the bot. Okay, okay. Yeah, you should go watch it. Awesome. Bummer, I'm too famous for my jokes. See, that used to happen to me.  And I still do that. But now they know it's me.  Yeah, yeah.  Like, nobody knew who I was. It was super funny.  People know who I am, too. Oh my God, man. That's it. Wow. I'm gonna pick H3P. Perfect timing! It's nice meeting you. Yeah, you too. Very cool. Thank you. Awesome. Is this S-Fan? Are you struggling streamers? I'm his manager. Very cool. Me too. Will this be on YouTube? That's live on Twitch right now. Oh, very cool. And then on Facebook. That's crazy. That doesn't happen to me anymore. Usually they go, oh, Trevor Phillips. And I go, no, I wish. Trevor Phillips. Thanks. That's a good one. That's a really good one. I get Trevor Phillips all the time. Yeah. There were some comments in the stream about it last night. Yeah. At first I was incredibly insulted. It was like when the game was first coming out. Yeah. I was like, the guy who went meth? Yeah. I was like, look at the guy in meth in this game. And then I started. Hey, do you guys know us? Yeah. Good. Wait, are you? No, I'm sure. You were looking at us like you knew us. You were trying to figure it out. Yeah, we were trying to figure it out. My name is Espin and this is Asmengold. Yeah, look up Twitch.tv slash Asmengold and you'll find him. Asmengold. Asmengold. Who is that? Who is Asmengold? Hey, I've been trying to find out for years. Oh, is this like a... No, no, he's one of the other owners of a TK. Oh, yeah. I was like, is this some, like, super racist man or something? I don't know much. Yeah. No, you don't. I just... I just laugh. Yeah, me too. Yeah, me too, yeah. Oh, they're doing a music video. Yeah. Will you buy me a set up like that? No. Why are you chanting? Finn, why are you complaining? Is that palace? Yeah, it always reminds me of like a Russian church or something because it's tops. Yeah. I don't know what it is. It's probably like a post office. A post office. It's just staples. It's just staples. Oh, wait, that's University of Tampa. I don't know who this is, but that's University of Tampa. I think it... She looks kind of like K. Victoria a little bit. Oh, you're K. Victoria Jackson. I see the resemblance. Yeah. Look, a QR code that's been sculpted. Oh, wow. Chad, does this work? Have you put it on the screen? Ooh. That's interesting. They put that on there. Is that for people who don't want to read it here? They want to read it here instead? Yeah, yeah, yeah. Well, that's about as good as our vision is. I bet you they have them on the trash can lids, too. So you just can't... You know what this can is? Trash. Oh, it's trash. My phone told me, so I know I believe it. Oh, I don't believe anything that's not on your phone. Wait, does the phone have lights? We should spin you on it. Dude, we're going to 100% throw up on you. Yeah, true. Yeah. You do it to Bob. Let's do it to the biggest guy here.  Let's put him on the fastest spinning thing we can find. Hold on. Maybe. Oh, my God. Let's leave. Yeah. Yeah. Yeah. I clearly have no understanding of society. I mean, they're going to break my hand worst or end up in jail. Yeah. And Facebook. Oh, man. And Instagram. And Twitter.  Yeah, we're just walking around. You guys live here? Yeah. So what is there to do? Because we have like no idea. We're just here for one more day and we're just decided to turn on the camera and walk around. We have no idea. I'm not alone. I'm known. We were at the fight last night. Oh, my God. Like literally everyone from the fight is here.  I just jokingly said that's dad. And then you turn around. That's so weird.  Nice to meet you. Okay. I'll put my hand up. All right, fine. We'll take a picture. Oh, okay. Okay. So I can show my mom. You can put it on Twitter. Yeah, yeah. Look. I went to the supermarket. I didn't need college. Told you. All right.  You too. Yeah, that's what we do. We just turn on the camera and people come say hi to us. We don't have any talent or do anything. So there's like nothing that you do.  Yeah, basically. Yeah. You guys get a lot of views and stuff? Sometimes. Yeah. Hey. Let's see how it goes. Even, now we're even. He's got two. I got two. What up, dude? How's it going? You know who this is? All right. Yeah. It's the Asmongole. Are you all watching the fight? They're watching Dad destroy right now. That's what we are fighting for. That's the soap. Thank you very much. Yeah.  Yeah? Because of the diet.  It's the worst feeling I've ever had. Miss Kip, go live. I want. My name's Crazy Slick. Nice to meet you. Hi. Hi, Crazy Slick. Hi, buddy. My name is Miss Kip. Hi, what's up? Hey, Chad. How's it going on, guys? So what is this? Everybody's talking about a fight going on. It already happened last night. There's a fight? There was a fight last night? Yeah. In Tampa? Yeah. Dad, did you win? Oh, yeah.  Spoiler, spoilers. Spoiler, spoiler. If you haven't watched the fight yet, I am obliterated. So, yes. You have three. I think I still only have two. Well, no. Even though I have four and three. You can count mine. Yeah, because you said four. No, no, no, no. I count. No, no. Well, I don't count. Of course. No. It's two, two. It's even. No, no, no.  Oh, as long as I'm a header even. Yeah, yeah, yeah. So. Yo. Crap. What up, man? Hello. How's it going? How's the hand? We gotta ask him if he knows me. I need a point. Really sure? It was the hand. Oh, yeah. I thought it was the Korea thing. Oh, yeah. I was like, hey, no. Yeah. That kid has no idea that you were the fighter. Yeah. I told him to. That kid? Yeah. He was like a hundred percent of his year. He's like, wait, it's him?  That's so funny. Maybe next year we'll see. Chad, if I box next year, who would you want to see me box? Zoyle, Maya. Maya would be a good measure. Hassan. It's a lot of Hassan. Well, same thing. Hassan's a lot taller than I am. Yeah, he's got a.  I just realized you have many people in here. And if I get like 800 more followers, I hit 10,000 finally. Yeah. Make sure to follow dad feels. All I want is 10,000 because I'm starting a month long sabbathon in June. And I said in January, I started my Twitch. My goal was to hit 10,000 before I started that. I couldn't follow after the sabbathon, but please don't do it before because I will cry. Linkus, can you guys not? Do you guys not know how to spell dad feels? Like, come on. Like, you're too lazy. I really want Bob to fight Dr. Disrespect. The problem is. I fight him right now. The problem is no one knows who Bob is. But I'm not Bobby. So if people start figuring out who big Bob is. I'll fight you. You want to fight me? Then he can get famous and fight Dr. Six, seven. He's got six, seven. We've been practicing in sixth grade in Medway, Massachusetts. Yeah, I'll just work on my height. Yeah, I'll work on my height. I'll be good. I'll tell you. Six foot. Why? I can't be. Yeah, why? Dude, you're not six feet tall. I know the six. I'm this close. The six feet. Really? Yeah. Everybody come to us. Back to back. How close are we? Okay. Ready? Back to back. Yeah, a half inch literally. Really? Yes. But he's got poofy hair. I have bald hair. That's why they say you lose height as you get a little bit. You're over six feet. No, I think I'm exactly six feet tall. Maybe like a quarter of a inch. That's not just like I'll just give him a half an inch. Look at him. He needs this. That's right. He's five foot five. No, I'm not. I'm six foot. A lot of streamers are short. You are not. No, that is true. I like tower over a lot of other streamers. Yo, absolutely. Because people are like, whoa. I feel like everybody, they're like, whoa, you're a lot smaller than I imagined.  Well, you can't tell when people are sitting down. What is Wybor? Wybor. I think go to Ebor. Is it in Tampa? I don't know. Yeah. They're saying Ebor is. Are you done? Lively, Eibor City is known for boutiques and vintage shops. So it's the hipster zone of Tampa. Is that what we're saying? Yeah. So how far away is it from here walking? Chad. Oh, this is awesome. Oh, yeah. Hey, do you guys know where, is it Ebor? Y-B-O-R is? Ebor, Eibor. It's on the wrong side. Oh, we're on the wrong side? Yeah, you're downtown. Where are you? Walk or drive? Oh, drive. 30-minute drive? Oh. I have really bad gas. It's a little bit longer. Yeah. Well, there are faffles. Like if you're going on a walk. No, like our car, our car is low on gas. Oh, okay. Yeah. Oh, so is it. Yeah, it's not good. Okay. I'm jealous of that. See you guys. I'm jealous of that dog. I wish that was me crapping on a sidewalk right now. Yeah, Chad. We're going to find a force in and then we'll go to this other place. Do you guys know where Tom Brady's at? Yeah. We're looking for him. We've been here two days and I haven't found him.  He must have been on that boat playing that song. Hey, his plan's broken. His cryo container's up there.  A bunch of drunk Americans in flat bill hats while in Spain. We're not in Spain. We're not drunk. What are you talking about? He's the only one with a flat bill. He's the only one that. A bunch. There's one that. Zero alcohol involved. I love that was correct. It's getting kind of dark, a little romantic. Yeah, it is. Yeah. It's always romantic. This is definitely a moonlit walk by the water. Are we all on a date right now? Chad, we're on a date with you guys. On a scale of 1 to 10, how romantic is this stream right now?  Yes, I am. How many people know you as Keith still?  Oh, many people. A lot of people only know I do Keith. Some people only know my trail about Skittles character. Some people only have seen my Trevor Phillips videos.  Or then Dad, the new character. That's my career right there. Play a bunch of different characters.  And you have two Twitters. That's the thing. I get confused. Keith does it on Twitter too, but in Instagram. That's too much stuff. Oh, you know the lines? Oh my gosh, you're amazing. I have another fan we can add it. That's four. That's four. We're tied. Thank you.  We got to do something sometime where Dad comes to visit Austin and we hang out with Danny and do something. Yeah, that'd be awesome. That'd be really good. He's the new neighbor because everyone hates neighbor in the series. So you should be a new neighbor. He's a new neighbor.   You should come with me on a tailgate. So what you call it when you're just like, tailgate? Yeah, you don't even have to like know anything about football or anything. Oh, that's great. Yeah, perfect for that then. We basically just go and like talk to people at the tailgates and like, sometimes it's good to ask them some like football questions to warm them up, but like, you just go and be silly and whatever. That's cool. Yeah, it's a good time. Okay, so let's do this. Let's drive out to that place. High board? Yeah. That's right. It's 10 minutes. It's 10 minutes. Yeah. Favorite note you came in for, you know? What's up? So you guys are trying to get an e-board? Yeah. It's not really the move. It's really... It's alright. I mean, it's a little sketchy. Uh-oh. Yes. Well, last time I was there, somebody got stabbed in the club in front of me. I thought it was arts area. No? Uh, it's like bars. I mean, during the day, it's cool because they got like Cuban cigar rollers and all that stuff. It's like very Hispanic. But yeah, I don't know about nine o'clock at night. I think it's... Thanks, man. Hey, enjoy Florida, man. Thanks for coming. Hey, you're the best. Appreciate that, man. Have a good one. We're probably going pretty soon. Alright. Alright, so we are here in Tampa Bay. We have no idea what to do. We were just like, we're here an extra day. Let's just like do an IRL stream or whatever, hang out. And then we'll just head back home. We have a civil woman here. There's no way. Okay.  Tell him. Tell him. Tell him. Tell him. Tell him. Tell him. Tell him. Tell him. Tell him. To find misery and sadness and loneliness, poor choices, sleeping in a closet, legitimately, on a mattress, on the floor, with a 14-year-old dog. What fixes all that? Dude, he's gone so stomach- charts. What's better Chew, chewbill or drink goo? Say gooo, or chew? How many doctors are on here, really?various people. How many doctors are on here? Oh, it's just a broadcast bag. Oh, no, I just kind of walk around. Oh, I don't give out that either. This is more, this is more a personal thing, you know. Yeah, pretty much. I'm the worst type of person. I'm not even from here. Actually, yeah.  This is gonna be sick. Yeah, you're right. Got to pop that puppy first. Oh, yeah, we can use street music. Okay, damn. Nice. Nice. Nice. Nice. Have a good one. I don't want to put you on. I was gonna, if you were feeling better, I would have had to challenge. Nice and floppy. In full a bar stool, dude, just rate this thing right outside the restaurant. You know what this is? This is drunk people's pizza. This is drunk people's pizza. I would say it is like seven, seven or eight. I think it's pretty good. I just think it's drunk people's pizza. Here, I'm gonna take a five back. All right. Okay. Look at this. This is a 2018 stream, isn't it? It was 2018 all over again. It's like back in the day. See that?  Yo, what up? Dude, I'm here. What's that, dude? I'm streaming. Dude, you're famous. Nice to see you, dude. I want to. What's your name? Yeah, we don't want it. Yeah. Yeah. Do you have the merch? I don't buy the merch. Just go open your phone right now and buy the merch. I would buy all of it or else. I've already spent $200 tonight. On who? On who? Look, man. Nothing's gonna happen. I'm telling you right now. This is just a trick. It's not worth the time. Look, look.  That's bad. That'd be terrible.  You have a good day. Thanks, dude. Have fun. Go to Burger Hammer.   I can't live. It's attached to my heart. It reminds me of McGrath so much. Dude, everybody tells me that. Literally, everybody tells me that. I love McGrath, dude. McGrath's the man. All right, we'll see you guys later.  I've had so much fun. This is great. This is so 2018, dude. This is a classic 2018 stream. You know what's crazy? My opinion of Florida is basically exactly what I expected it to be. Very touristy, but also full of crackheads. Can I ask you a question? We're from out of town.  I have no idea. Oh, okay. Yeah, I guess. Hey, let me know if you see any crackheads. I hope we see Dan in Austin. Yeah, Dad's gonna come visit in Austin at some point, chat. Sorry if I'm not entertaining.  I hate dying as we walk. No, it's all good. Harsh to the chat for everybody. Harsh to the chat for Creator Clash. I guess we kind of just want to libel our expectations just to see what happened in Tampa. But it's pretty much exactly what I would expect to happen in Tampa Bay.  So good stuff. Very exciting. Anyways, guys, Harsh to the chat thing is for following YouTube, Instagram, Discord, Reddit, Twitch, Twitter, everything is SFAN TV. Make sure to follow SFAN TV. Follow DadFeels on Twitch. Make sure to follow DadFeels on Twitch. YouTube, DadFeels, everywhere, same thing. I hope you guys had fun and I will see you guys tomorrow.