Hey guys, it's Nate, AKA The Foot Account, and welcome back to the channel. Headliners has come, and I'm gonna do a little promo market review. We're gonna talk about what happened yesterday on Promo Friday, January 1st. Happy New Year once again to you guys. We're gonna talk about these foot headliners, talk about how they do get upgraded. It's basically the exact same as last year, so that is kind of, I guess, comforting in the fact that we know how it goes, and there weren't any big surprises with this promo today, but I wanna talk about the content, the new season objectives, the new icon swaps, which people are not very happy with, because it's a lot harder to get them done fast, because we have had a way of doing it, this past set of icon swaps with some golden goal stuff, and now we have like a max number of games you can play instead of the one nation friendly mode, so not very many people are happy about that. I don't wanna spend too much time on that because I like to stay pretty positive, and there are a lot of positive things that happen today on foot, starting with the SBCs. Now I'm gonna start there, I'm gonna talk with the players in packs, the SBC card, Robin, the objective, and then move on to the icon swaps, and then we'll talk about the market and what I think is coming today on Saturday, because we didn't get a headliners player as an SBC, and I think we're due one of those today, so let's take a start with the players that are in packs, and of course the official webpage that EA dropped with the headliners promo, this is basically telling us the exact same information as it was last year, so just a quick reminder, at the launch of the event, the Foot 21 headliner players, they get a boost higher than their last inform or performance-based item, so that's why Bruno Fernandez is a 91 because he gets a performance boost over his 90-rated team, the group stage card, and basically every time they get an inform or a performance-based inform, that headliner will always stay one upgrade above it, but if their team wins four league games back-to-back, so four wins in a row in their domestic league season, so from here on out to the end of the year, if Manchester United, which they won today, so they're on a one streak, right? Manu, with their win today, they're on a one-game winning streak, and that means that if they win three more games in the Premier League in a row, that Bruno is gonna become a 92, and then of course, if he gets another upgrade, like if he gets another inform, he'll go of course up plus one every inform that he gets below the headliner, so that's kind of how these cards do get upgraded, and again, EA confirmed, it's a two-week promo, so team of the year at the very earliest now is not gonna start until Monday, the 11th of January, it's gonna be the 11th of January, actually, I'm sorry, not the 11th of January, it's gonna be the 18th, either the 18th of January if team of the year is gonna start on a Monday, or the 15th if it's gonna start on a Friday, is when team of the year will be, so at least, again, another two weeks out from team of the year, which kind of stinks, man, because we were of course hoping for team of the year to be soon, but we have headliners here, we have it now, I'm curious as to why EA did it this way this year, but hopefully they give us some information on that, because we are getting two teams of headliners, and again, it says watch out for headliners that will be released through SBCs and Objectives, now of course today, we only got an Objective card for a headliner, and that was Mateus Cunha, now right on stream today, live at 6 p.m. UK, we were on stream, I bought a Douglas Costa, which was a nice green link investment to this Mateus Cunha card, I feel like a decent amount of people are gonna do this, because Objective cards have been the name of the game this year, people are used to completing Objectives, they're doing icon swaps right now, so of course they might not be able to do, I mean, I don't think any of the icon swap Objectives are in the headliners challenge friendly game mode, but I feel like this is a pretty easy card to do, and it's a solid card, right, a Brazilian center attacking mid in the Bundesliga, a solid card, the first inform that he gets, by the way, will take him a plus two, he'll go from an 84 to an 86, so this headliners card will get pretty juiced up if they do, in fact, or if he does get an inform or even if Hertha can get four games in a row one, and I'm not entirely sure, I don't watch the Bundesliga enough to know if this guy will get upgraded, but regardless, it's a pretty nice first owner card to have in the club, and I think a lot of people will do this one, especially because it is Brazilian. Now, let's take a look at the SBC content right away, because this was like the biggest W of the day, honestly. We'll take a look at this big W, and that was an SBC that I've actually already completed, so we'll go down into the squad section to take a look at this card. Don't mind me doing my icon swaps, or I was doing my icon swaps for La Liga, but this guy right here, Robin, Robin Flashback SBC released today. Now, of course, EA messed this one up a little bit because they did different stats on the in-game card based off of what they tweeted out, but at 120, 130K, this SBC is probably one of the best value SBCs for the player and for the emotional attachment that you get in this game. Ben Arfa and Robin now, two back-to-back Flashback SBCs that are like FIFA favorites, right, and this Robin made the market move a lot today. A lot of right mids were panicked sold, they didn't rise too much post 6pm UK because a lot of people went out and did this SBC right here. Now, it's tough to link him. So you had guys like Quincy Promes, even like Baby Hullet went up 100,000 coins at one point today because of this SBC coming out. I did this because I had, I packed a duplicate, untradable, hand Danovich today and I literally just put in fodder from the rest of my club and it was a GG. So I've got this Robin in my team. I'm not sure how I'm gonna fit him in, but he's in the club. So that was a big W. A lot of people did Robin today, so that's one thing to keep in mind for Dutch players down the line. Now, if I was an objective grinder, what I would do is, is I would go get these Air Divisory Squad Foundation guys, Van Bergen of course, is a right mid, but what's gonna help link that main, man Robin is gonna be Graven Birch, it's gonna be fantastic. And then of course, maybe this bum Gartner guy, if you wanna put him a center back and you can link Dumfries to him. Only problem is Dumfries is basically extinct on the market right now because he is one of the only ways, Promes as well, was a card that went flying today because of that SBC. I think Promes was like 170,000 coins as the road to the final item. And I think right now he's up at like 240,000 coins. Big time rise today, people linking this very usable, five star skill, Promes to the new Robin card. So that was a big time market movement that we saw today. Now, let's talk about more market movements with these headliners because as we talked about yesterday, I think that a lot of people opened up their saved up packs on foot yesterday. So there was a lot of supply but it didn't all come in the first hour. These guys kept getting supplied and supplied and supplied. And actually, if we take a look at it, I don't know if there's any packs out in the store right now, but I believe that the pack odds for these guys, if we look at 100,000 coin pack, 4.1% from 100K pack is, I think pretty much ballpark average. I've seen like road to the finals have less, so maybe from a 125K pack, it's like 5%, which is not super duper high, but it's more like in the middle for what we see for new promo cards from what I have seen in the past, in the recent times that we've had new promos come out. The only problem with these cards is right now is they don't have dynamic images.  I know it's a small thing, but it's big because look at this bomba dynamic image, right with his jersey on, with the dynamic image, it just looks so much better than his like normal player face mugshot image that's on the card right now. You have Zaha behind my camera and I'll turn off my camera for a second. Look at that Zaha dynamic image of him flexing, dude. That's sick. I wanna see that in FIFA, man. EA sports, do it, please. And the same thing is happening with the past team of the week. Like the past team week 14 does not have dynamic images yet. Miketarian's dynamic image looks really cool. Bruno's is dope. Joao Felix is awesome. So I wanna see these dynamic images loaded in. And I don't know if that really like makes the value of these cards jump, but I would expect to see those images probably updated today or tomorrow because maybe it's just something that like EA, it's the new year, they're on vacation. I don't know what the deal is. And also EA, we need to add the card type into the game as well because right now you can only search by special and that's making it hard for people to find these cards. But a lot of these guys have been bouncing around in price. And let's take a look at some graphs right now because the first guy that I traded today, we were watching him on stream a lot. It was this Bomba card. So Bomba was like dropping down. He was three, it says he had 377 on the PlayStation then rebounded to 400. What I saw here, I bought a Bomba at 380, no, at 378. So I bought him about right here and I sold him at 415, 413 I think. So there was a small window today on some of these cards where you could have flipped them. He's not really dropping back down a lot right now, maybe a bit, but he was a small mover. There were other big time movers. This is Ben, the Bruno Fernandez card was 1.8 mil and is now extinct at two mil. Ben Yetter I think was in like the 930, 940K range. And he has boomed, if I could speak correctly, he has boomed up to 990. So Joel Felix was like also 620K and has boomed at the 707. I said it on stream, I knew it was gonna happen. These guys were gonna bounce at some point. But yeah, he was 617K man and now he's up 100,000 coins to basically 715 to a crazy rise on Felix. Zaha was 445, he's now 465 and those are kind of your biggest movers. The biggest three names in this promo are Ben Yetter, Bruno and Felix with Bamba and Zaha being pretty important in there too. But these guys are probably gonna fluctuate even more into this morning on Saturday. I'm not really sure if I'm gonna be buying into them. The only one I would get interested in is still it's Bamba man because I'm gonna be watching this guy's supply. You know, if I'm searching at 420K which is kind of where I need the card to go to as an overnight flip. I mean, how much supply do we have here? We've got about one page. That's about one and a half pages. Maybe, you know, we maybe have like 20 cards or so of Bamba under the 420K range, which isn't that much. And if he does get the dynamic image upgrade, if I saw this again back at like 375, I would get interested because then I would really just need it to go to 400K to make myself some profit. So if I see this drop another 10 to 15K, I'm gonna get interested in it because this is a really good card, right? This is a really, really good card. And there's two items that came out today, Bamba and Joao Felix that make things interesting based off of previous items that they've had, right? So we had the 86 player of the month Bamba card that had plus three passing, plus one shot, minus one pace and minus one dribbling compared to this new live item. This live item is 380K. The player of the month, Bamba, it was 500,000 coins at the current SBC prices. And then Joao Felix is the other way. His SBC, it's really looking like this player of the month, Joao Felix was a banging deal because you could have done this right away for 360K. Now it's 470, but still this new live item, which is one rating less, is 700,000 coins. So if you did player of the month, Joao Felix, at least for right now in this stage of the game, you're feeling really good about it because the value of the card you got for this price was fantastic. So GGs to you guys, if you did that. But I think you are gonna see some of these headliners rise up a little bit more into the daytime on Saturday. You'll probably see again, like in the morning time, a bit of a rise because people will be buying these to play a weekend league to try them out. Of course guys like Zaha, Bamba, maybe even Fabinho. If they gave Fabinho 70 pace, he would look so much better. EA, please just do it, right? But they didn't. Some people are gonna just buy these guys to try them out during weekend league for a little bit today. You probably will then see a bit of panic selling headed right until the content drop because oftentimes what you see is people will panic sell those cards, the new promo cards, because they know there's more lightning rounds that are gonna come out today on Saturday. So they panic sell those cards and they think they're gonna get supplied during lightning rounds, but they panic sell guys like Bruno Fernandez, Ben Yetter and Felix who are very high level cards who don't have that much of a pack weight. And a lot of people just open lightning rounds on Friday and not as much on Saturday. So what you often see with those is the really high tier ones bounce back for like an hour or two after the content drop if there's nothing big that comes out because people still wanna go and try out those cards and they really are not getting supplied that much and people wanna keep playing weekend league. So definitely keep an eye on that today for those headliner cards. I do think you will see some movements there. Now transferless wise, what did I do yesterday? I made only a couple moves. I got this Bamba again for 378 sold at 412. I bought this at 115. I bought this at 322 or something like that on stream. And then I bought this for 1.22 on stream as well. I knew this dog leash would rebound. Of course, one of the most popular icons in the game. There was a lot of stuff that rebounded and there's a lot of stuff on the market right now that is still pretty high. I was watching a lot of icons, a lot of special cards today. This wrote to the final Pogba was like 530,000 coins. Yeah, right here. I'm gonna check his price right now. Europa League live Pogba was 530K. He's now 575,580. A lot of stuff was kind of panic sold again this morning if we look through some of the past team of the weeks. Harry Kane is 1.22, he was 1.14 this morning. La Porte was 540, now he's back to 510. These cards are gonna continue to fluctuate. Kamara is taking a hidden price because of this Amavi card. Another French left back in League One. This card's only 26K and it's a live item which is making Kamara go down. I'm definitely interested in Douglas Costa for a rise next week after Weekend League because again, if people are gonna finish their Weekend League, they're gonna go complete Matea Secunia and probably go link this Costa card to him. So if you have any out of pack special cards that you're flipping that you're trading with, a lot of those cards seem to be inflated at the moment. This Kimmich card, bang. 287, he's really expensive right now. Holland was 160s earlier today. Sterling was down in the 170s. De Bruyne was 380. Diego Carlos was 200K and under. So a lot of these special cards are on the high. I think you wanna cash them out of course because it's another promo. We still have a lot of people in this game that are rocking cheaper squads because they know Team of the Year is still on the horizon and there's still a lot of stuff to do in the game in terms of objectives and icon swaps. So people don't like to hold onto expensive tradable cards during the week when they are going and completing those icon swaps. So just kind of something to keep in mind there. This card was 660K earlier today. He's now back to 700. He's basically 800K at the moment for those out of packs baby icons. We were really watching those today and a lot of those rebounded really, really well. They were very, very profitable. That's IE, what about him? So he's not up that much. But you kind of make mental notes of the stuff, right? You kind of make mental notes and say, yo, what stuff went up a bunch? What stuff went up a little bit? And you remember that for weeks to come because you know that a lot of the stuff people use week in and week out in their foot squads. So let's talk about the new icon swaps just a little bit. I'm not gonna spend too much time on this again because a lot of people are not happy with it. But EA definitely, we knew this was coming, right? We knew it was coming. They took a lot of your easy swaps away. It's harder. Of course you can still do the golden goal stuff with a few of these swaps but they made it a little bit harder because you have to do more of them through squad battles which means you can't do as much. Last time there were only, there were three tokens available through squad battles and this time there are one, two, one, two, three, four, five, six tokens through squad battles. So they're making you spend more time to do it instead of just doing golden goal stuff. And then with the one nation ones to get these two swaps, you have only 60 attempts. You have to win seven matches and win seven matches. So you have to basically win 14 matches with seven with English players and seven with Brazilians and you get 60 attempts. So some people are not very happy about that. And the other thing was they made a weekend league requirement winning 18 weekend league matches. There are a lot of people in this game that don't play weekend league. They're just not at a place in FIFA where they can compete in the weekend league and that's not a problem. But when you make this a requirement for icon swaps there are so many people in this game. I think the stat is like on PlayStation there's a trophy or something that you can tell. When you get in qualified for the weekend league you get this PlayStation trophy and it's only like 20% of people that have logged in to FIFA 21 in ultimate team have qualified for weekend league. That means only 20% or less people in this game can get this objective done. So that screws so many people that don't play weekend league or maybe more casual players. Like they're not gonna be able to get all the icon swap tokens. So that's one thing I was not very fond of today from EA because if somebody wanted to use all 18 tokens and they're only a squad battles player and they're new to the game, they're learning how to play FIFA, they literally can't. They literally cannot get that token because they can't play weekend league or they are not competitive enough winning 18 games of weekend league, man. Some people do that in one weekend. Some people it'll take a month. So I think you do have 41 days to do these swaps so technically you could grind it over time but it's not easy. It takes a lot of effort to get that stuff in. Now again, we talked about the market a little bit but today I'm expecting another headliners SBC. Not just an objective. I would expect another SBC of sorts for a headliners player. SBC fodder at the moment isn't like crazy. It's not crazy low except for 83s. 83s went down a lot today. 80 through 85s, 86s are still decently high. 84s are lower but they're not low yet. And then of course the higher rated fodder is still kind of up there as well. So if you do want to buy anything to maybe prepare for an SBC today, you could look at a couple of these 83s that are normal, good links, good nations for rises for a link investment or for a fodder investment. But 83s are kind of the only fodder that's like good to look at right now in my opinion. The rest of the market seeming decently high. I'm kind of scared for Mbappe and Neymar because both of those guys' gold cards are in packs and they're gonna get sold off from this weekend league and drop even lower. I know Neymar was like 690 earlier this week and Mbappe was down at like 910. But I expect both of these players to drop down even lower because people don't like, again, holding those tradable cards in their team for long. Let's see what other cards did really well out of packs today or just gold cards that did well. Pugba is down, Abameyang I think is up a little bit. Ramos is about the same I think. So looking at some gold cards, Salah is down. I'm kind of scared man. I said this yesterday too about the pack supply when there's saved packs that are opened. People that save packs for team of the year and they're not gonna be able to hold those forever. And when those get opened, like the supply is crazy from those. So that's why I think we are seeing a decent amount of supply on these new headliner cards. And also why you saw some of those gold cards on the market that are in packs but still high rated, not really due to well today as a rise after all the packs were open because they just got supplied and supplied so much today. So again, headliners promo. The SBC today for Robin was a huge W. The market was very profitable if you got in at the right spots with some icons out of pack specials. But again, it's another week in the sell off that we're gonna be seeing. I don't think I expect like big time content today on Saturday just another headliners SBC, maybe a pack supply SBC. And it's probably gonna be a good time to trade with icons again on the weekend. It felt good because the icon market today felt like it was revived a little bit. Now, actually hold it's up like 1.150K, he's 1.15. So that is definitely inflated from where he was before. But the icon market I'll show you guys here on the index was down to 76 points today and now it has rebounded back to 78, 79. So a lot of stuff, it feels good, right? Kind of are one of the biggest risers on the day as an out of packs baby icon. That's one thing to take notice on. The baby icons fluctuate a lot since they're now out of packs. But it's good to me to see, especially the icon market that has been so dead for the past few days really do well today. That was nice. I knew I wanted to get in on that dog leash that I saw on lightning rounds. I got that fresh one and made a nice little bit of profit there. So if you guys didn't know this video today or if you're enjoying this headliners promo, just tell me what you think, man. I'm curious to see what you guys are thinking about this. I feel like these cards are semi affordable, bomba and zaha especially for what their prices are right now. I feel like they're kind of cheap, honestly. And I feel like people might want to try these out. So I think these cards are going to continue to fluctuate and they're live items. So that gets people's attention. Although Bruno is way overpriced. Don't understand that one. That one's ridiculous. Anyway, in my opinion. But if you enjoy this video, smash the thumbs up on it. Comment down below if you have questions and subscribe if you're new. It's been Nathan Ford Accountant. Catch you guys later. Peace out.


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Good afternoon and thank you for joining us for another episode of Kondo Insider. My name is Jane Sugimura and I'm going to be your host for today's show. And today we're going to be talking about a real timely subject. And it should be of interest to anybody who lives and works in a condominium. And the topic is how Kondo disputes can affect your maintenance fees. And especially how they affect your insurance premiums, which is something you pay for in your maintenance fees. And my guest today is Sue Savio from Insurance Associates Hawaii. Thank you, Sue, for joining me. Thank you for having me. Okay. And so let's just hit the road running. Okay. We're talking about Kondo disputes and how they affect maintenance fees. And so what kind of disputes?  Okay. Well, we're talking here about the directors and officers policy, mainly, because that's the policy that this covers when there is an owner who's upset about something and decides us to the board. We have such things as discrimination, breach of contract. These are some very hot items, especially for Hawaii. We have, we're a very small state when it comes to premium volume. We have more claims than any other state, and I mean California, who has a slew of land and condos. We have more claims than they do. Florida, New York were the largest in claims, but yet a small state. We have the highest payout on claims because they're, when it's a breach of contract claim, obviously the cost of building is much more expensive here. So the payout on the claim is a lot more. So insurance companies, DNO insurance companies, directors and officers insurance companies don't like Hawaii. So we have a small marketplace. So I mean, can you give us an idea of how many insurance companies we have who are offering their coverage to associations in the state? We have about five that do 99% of the directors and officers. And of course we have those that start off with a very clean record, brand new condo. We try to keep them with the broadest policy, but as claims develop, you know, you go into maybe a less broad policy, a more expensive one, higher deductible. I have a company that makes all the bad people and, you know, your deductible could be $100,000, $150,000. Your premium instead of being $6,000 a year is probably $50,000, $60,000, $70,000 a year. It looks more like a premium for an auto, I mean for the building policy as opposed to the directors and officers, but it's because they've had so many claims. And so when you say deductible, that means that the first, if it's a $10,000 deductible, the first 10,000, the association pays it. That's right. And you and your owner cost part of their maintenance fees, money they have to be put aside to cover deductibles. Okay. And so we're also, I mean, when we're talking about claims and we're talking about lawsuits, I mean the big thing that comes to mind is attorney's fees and costs. Right. I mean that's the big thing that makes it very expensive, right? And so why don't we just go through this, a D&O, what kind of insurance is that? Okay, directors and officers is called D&O insurances, insurance that covers the board for good, bad, or indifferent decisions that they make, that somebody in the complex feels that they made a wrong decision or feels it was inappropriate, will sue for, or somebody that they feels that they were not being treated as fairly as the next person will sue the board because they're not following the rules or the bylaws or the decks, whatever the case may be. And so they go ahead and sue the board. Well then the directors and officers' policy, as long as there's no bodily injury or property damage, is the policy that defends the board. When it defends the board, it has a deductible and most condos start off with a $1,000 deductible and most condos go many, many years with no problems so they always stay at that $1,000 deductible. So let's say you have a claim and it settles for $15,000, $20,000, that's not bad. But we have claims that settle for millions and when you have a claim that settles for millions, it affects your policy. The current carrier says thank you, adios, goodbye, we're not renewing. So then we have to take you to the next level, which is a much higher deductible. You're going to go to a $25,000 or a $50,000 deductible, but you have another claim or you're setting your owners and you're not communicating with them and that's a big lack that we find with boards. They're not communicating with their owners and owners are thinking things are going wrong and maybe they're not but they're suing to find out. So as you have more and more claims like this, your deductible is increasing. I have condos that have a $100,000 deductible and one with a $150,000 deductible for each claim. Wow. So let's say you have a board and they get sued and it's a claim, let's say it's a discrimination claim, somebody asks the board for a reasonable accommodation because they have a disability. Maybe they have visual impairments and they want a wood floor so that they can feel their way around their unit and still be able to enjoy that unit. And the board says, hell, we don't think he's got a disability so we're not going to allow it. And they get sued. OK. For something like that, when they get the complaint, what do they do? They just turn it over to the insurance company? Correct. When you get the complaint, it has to go to the insurance company. We usually have to get an extension because usually the attorney gives you 20 days to respond. Well, there's no way the insurance company is going to respond in 20 days. They have to search out all the background information, what the board knew, didn't know. And then, of course, they try to defend the board. And in the case that you're mentioning, because that is a true case, they're sometimes not successful. And it can be a multimillion dollar claim settlement. But because the insurance company, I mean, good, bad, or indifferent, they don't have a whole lot of information in the beginning. So they usually send a letter to the board saying, we accept your tender with a reservation of rights. And so explain what that means. So does that mean that you're covered or you're not covered? Or what does it mean when you get that letter from the insurance company? It means that we're reserving the right to maybe not cover you. We think we're covering you in the beginning here. But we're going to check out all the past emails. We're going to see when this claim really was, because directors and officers' policies are claims made. So did you know about it during the term of our policy, or did you know about it two years ago that you were going to get sued on this? And it just didn't come through until two years later. So there's a lot of research the insurance company has to do. So they say, we're going to go ahead and defend you now under this reservation of rights letter. They assign you attorney. He gets the information. They ask him to get more information. As they find out information, you may get a letter that says, whoops, we're not going to defend you. Because this happened two years ago. You knew you were going to get sued. You received an email to it, and you did not report it to the carrier at that time. Because it's not like an occurrence policy where I slip, and then two years later I sue and we go back to the carrier who had it. No. The directors and officers' claim is when you were notified of the claim. And it doesn't have to be a lawsuit that notifies you. It can be an email from an owner that says, I'm going to sue you. You're doing this wrong, and I'm going to get you. At that point in time, it needs to be reported to that current D&O carrier. So when the lawsuit comes three years later, we can go back and report it to the correct D&O carrier. Because if you don't tell us about it, and three years later you get sued, and the insurance company finds that email from the guy that says I was going to sue you two years ago or three years ago, the current carrier is not covering. And so the reservation of rights letter basically is saying we have a contract to defend you. And so yeah, because we have this contract, good, bad, or ugly, we're going to defend you. But in the meantime, we're going to do our due diligence to find out if we really have to defend you. And we can change our mind halfway into the lawsuit. That is exactly right. And that's because during the lawsuit, both parties do something called discovery where they ask each other for documents and for information. And they do depositions. And everything that they find in discovery, the insurance company reviews. And so they're looking at emails, and they're looking at board minutes, and they're looking at deposition transcripts. And finally, one day it dawns on the insurance company's attorney who's reviewing, oh my god, we shouldn't be defending this because there was a time lag or it belongs to the previous carrier. Or they really did breach their fiduciary duty. So we can defend, but we're not going to pay because they're bad. But you mentioned something too before we started the show. Is that the insurance claim, it covers stupidity? As I was saying, there's no exclusion in any insurance policy for stupidity. So yes, boards make mistakes.  But I'm a board member myself, so I can say this. There are times when you're upset, and you say something in a board meeting, and people act on it, and it results in a claim. So I mean, I do understand that. But yes, exclusion for just stupidity, no. We cover stupidity. OK, but that's kind of like the unfortunate part. And so when this happens, and you get through the lawsuit, and you've maybe spent hundreds of thousands, maybe even millions of dollars in litigation, especially if you go to trial. If you go to trial, and you spend all this money, and then the association loses. And that's what happened in Maui. It was a $2.9 million lawsuit. And the insurance company paid it. Yes, because they lost. And so all of us who are sitting back and reading about it, should we say, well, that doesn't affect us? Is that a true statement? No, that's not a true statement. You have to remember now, we're in an insurance pool, especially what we are. We all want to keep our premiums down. So that means everybody in this insurance pool, or these companies, needs to make sure that they keep their premiums down by keeping their lawsuits down. When somebody has a huge claim against them, it affects everybody who buys D&O insurance from that company. Because they're going to say, gee, $2 million here, $3 million there, $100,000 there. They add this all up, and they say, Hawaii's a bad risk. We're going to raise our rates. And it's nothing, as you know, from your own condominium. Your rates went up, I think, 58%. Right, the D&O went up 58%. The premium went up 58%. And our NOLA went up almost 50%. And no claims. Right, we have no claims. Right, doesn't matter.  I would always want to be the person that pays the premium, because I don't want to have that lawsuit. It's very stressful. It's hard on the owners. I would rather have my premium go up knowing I didn't cause this claim.  That's their fault. Well, I'm not worrying about it. It affects us all. So we as owners, no matter what condo we own, we need to make sure that we're commutative with our board, with our other owners. And we need to make sure that when something does go wrong, or it appears it's going wrong, that we try to take the bull by the horn, hit the person down, explain, ask what's going on. How can we help you? What's causing your problem? Why are you upset with us? And try to explain. Because it's sometimes when you put that owner on the board who is just a pain in the, you know where, and you put them on the board, which I've done in one of my condos, it took a while, but all of a sudden he understood how condos operate. And he said, oh, now I understand, because he was threatening to sue us. And I kept on telling him, what are you suing us for? What do you think you have against us? Come, you know, when we had it open on the board, I said, we're going to nominate you for the board. He almost died, but he had trouble at first, but he then understood. And he turned out to be a good board member. Because he finally understood what condo life is about. Right, and you know, and I think what most people, and you know, what I'm concerned about is because this is a recent case, and it was kind of unsettled during the, you know, the 2019 session, is that the legislature is always beating us up.  And now they're going to hear about this Maui lawsuit where the association, I mean, where the insurance company paid $2.9 million, and everybody else's insurance premiums went up, which means that the maintenance fees, it affects the maintenance fees for all these other condos that had no claims. And so I know we're going to get, you know, the grumbling from the legislature. We need to mandate board education. I mean, that's what we always, it's like a mantra with Senator Baker. I mean, she just, you know, really believes that unless you mandate it, make it mandatory for board members to be educated, that, you know, these things will continue to happen. And I'm all for board education, but I also think we have to include owner education. Owners do not understand when they buy in a condo what they're buying. They think they can do what they want, just like they did in their single family home. And you can't, there's rules, regulations, there's certain things you can and cannot do. And when you have a question, you need to go to the board, not mad, not upset, but go to the board and say, I need to understand what, this seems like a crazy rule. Can we change it? You need to work with the board and the owners. And that's where I think a lot of the problems come because the owners don't feel that they can't talk to anybody on the board. The board thinks, oh God, here comes Mary again. She jumbles at every condo board meeting. She has the same thing she's upset about.  Nobody takes her aside and say, look, we can't do this, but we can do this. No one sits down with people anymore and tries to talk it through. They just say, well, let's ignore it. Maybe she'll go away. They don't go away.  And that's the crux of what we're talking about today. When you, once they sue, it's not like you can turn the clock back. No. And so with that comment, we're gonna take a break and then we're gonna come back and talk about what can we do to maybe change the trend. So please come back after the one minute recess and we'll continue our conversation with Sue Savio. Thank you. Thank you. Aloha. My name is Duretian. You are watching Think Tech Hawaii. I will be hosting a show here every other Wednesday at 1 p.m. and we will be talking to a lot of experts and guests around sustainability, social justice, the future here in Hawaii, progressive politics and a whole lot more. So please tune in and thank you for watching Think Tech Hawaii. Hi, I'm Rusty Komori, host of Beyond the Lines. I was the head coach for the Punahou Boys varsity tennis team for 22 years and we're fortunate to win 22 consecutive state championship. This show is based on my book which is also titled Beyond the Lines and it's about leadership, creating a superior culture of excellence, achieving and sustaining success and finding greatness. If you're a student, parent, sports or business person and want to improve your life and the lives of people around you, tune in and join me on Mondays at 11 a.m. as we go Beyond the Lines on Think Tech Hawaii. Aloha. Okay, welcome back to the second part of our program about how cultural disputes can increase your maintenance fees and my guest today is Sue Savio from Insurance Associates Hawaii. Thank you, Sue. And we were talking about basically how lawsuits, generate increased costs that affect the insurance premiums and then the cost of the litigation and maybe the payments that have to be made after the lawsuit and the insurance premium, they all have this effect of raising the maintenance fees. Correct. Right? Because the payments are going up and there's a settlement of a couple of million dollars or maybe it's even only $100,000. There's still a settlement and sometimes it's a small settlement just to get rid of the claim, even though the board may be right, which of course irritates a lot of boards. We did nothing wrong and you're going to give somebody $10,000. Sometimes that's cheaper to do that than to take them to court and go that route. So the insurance company does make that decision. But you're right. The cost of claims, the defend them, the pay out on them affects us all, even if you have no claim. And even if you're, let's say you mentioned too when we were on the break that if a condo is involved in litigation, it affects the ability of the owners in that unit to sell. Correct. And so why does, so if I live in a unit and let's say they're doing this lawsuit like the one in Maui, the discrimination, and that lawsuit went on for like four years. Right. And so I own a unit in that condo. Why is it that it's going to affect my ability to sell my unit? Because when you go to get a loan, mortgage company is going, or when you're going to sell, your new owner's going to pay you, not to have cash, they're going to get a loan. And the mortgage company is going to find out that there's this lawsuit. And the biggest fear to the mortgage company is that there's not enough insurance dollars to cover the lawsuit if it's against the association. And if there's not enough money in insurance dollars, that means every owner is going to be assessed. So if it was a million dollars short and you got 50 owners and you're going to divide that amongst them because you didn't have a million dollars worth of insurance money, that puts a huge burden on the owners. And the mortgage company is afraid that people will walk. And then they're stuck with these units. And that's not how they're going to do it. So they're very, very careful when you have a claim and you're trying to get a loan. Very careful. And so that means that if I want to sell my unit and my purchaser wanted to go out and borrow money, I mean their lender would then be asking questions. And one of the questions would be, and how would they make that request? Do they call the association or do they call the property manager? I mean, how does the lender find out that the association's got a lawsuit? Well, don't forget there's that RR105 form that the property management firms fill out. And one of the questions is, are there any lawsuits against the association? And the minute they answer yes, and they want to know who the attorney is, who the insurance agent is, I got a call just yesterday from a bank that wanted to know about a law condo that has a lawsuit against it. Did how much money do they have in insurance dollars?  Do I have a copy of the lawsuit? Then they were going to make a decision whether they're going to loan or not. And sometimes they want a letter from the attorney. They'll go call the attorney as well. So it's a process. And so it's not like they can't get this information. Easiest pie. And so there are lots of resources and it's because of that form that has to be filled out when you sell a condo. Exactly. And so that's one of the negatives, right? Does that affect a lawsuit and how it can impact owners? Correct. And even the owner that's suing is impacted because if they wanted to sell and get out, they're not going to. Because the mortgage companies are extremely careful because, you know, our units are not cheap in Hawaii. They're loaning you lots of dollars. They're assuming you're going to have a job and you're able to cover it. They see that you qualify. Then they find out there could possibly this unfunded claim that maybe is going to be funded by taking money out of owner's pockets. And that's the big fear. And this would involve too, and in the case of Maui, I mean, that's the discrimination claim. But I mean, there are buildings that have foreclosure lawsuits. Yes, plenty. Foreclosure lawsuits. And even then, if you have a foreclosure lawsuit, that's because somebody in the building is not paying their maintenance fee, right? Correct. That affects the ability of other people in that building to sell. And there are some buildings that don't just have one foreclosure law, non-judicial foreclosure lawsuit. They have one has 10. Now every time somebody in that building tries to sell, the mortgage companies get hysterical. Because there's 10 lawsuits, you have enough money, is it covered? And even though we may be defending the board, we don't know what the payout will be. If they're against the association and the judge says, well, this unit is now worth half a million dollars, and you got 10 of them, and you have to either give them the money or the unit back, how do you do that? That's with insurance money. Is there really enough? It's a concern. And I can understand the mortgage company's concern. And owners don't understand that every time you sue, you have to think twice.  And one of the things that you want to look for when you buy a unit is whether you have units that are in foreclosure, because that affects the cash flow. And if it affects the cash flow, and you're buying into the project, you may be specially assessed for additional funds. Even on the form that the banks get, they ask, how many people are in arrears? How many are in 30 days arrears, 60 day arrears, 90 day arrears? The mortgage company knows. They're looking at it to see how these people pay their main fees, or there's so many people not paying it that it's going to affect the others. Yes, all of that is given to the mortgage companies. And so do you have any suggestions how people can? I mean, I know we all probably have suggestions on how if you could just talk to all of the board members. And that's the key. We go, you and I, we go to these seminars. And we had one Saturday that had 150 people there. Mainly board members. Mainly board members. This is a good thing. But you're talking about there are thousands of condos in the state of Hawaii, so there's got to be tens of thousands of board members. So there are a substantial number of board members that probably never see the inside of a condo or board training or seminar. I agree. So what would you, if you had the opportunity to talk to these people, I mean, what would you tell them? I think I would tell them the most important thing is communication.   I'm not going to call them back. I don't want to deal with them. It's more important to deal with that person than it is to deal with a nice person. Because a person who is upset, you need to calm them down. You need to find out what's upsetting them. You need to make it work. Because if you don't calm them down, you don't take care of what's upsetting them. They will sue because they're upset already and they're being ignored on top of that. It just adds grief. I really feel the communication is important. And then, of course, board members, I mean, it's a volunteer job. They're tired at the board meeting. They work all day long. Some of them have two jobs. And then they got to go to this board meeting. And they really don't want to be there. But nobody else will do it, right? Isn't that the typical board member? I feel for that person. I go to lots of board meetings for the condos that I insure, besides my own boards that I sit on. And I can see it. You know, there's always somebody there that's just kind of not falling asleep, but just kind of going along with what everybody else is doing because, what the heck? But it's important to tell yourself, wait a minute. I don't think that's right. I need to speak up. And that's really hard for a lot of people in Hawaii to go against what everybody else is saying at the board meeting and say, no, I disagree. Because that's just not in our, you know, five people out of seven are agreeing to something. Well, I must be wrong if I'm not disagreeing. But I always say you need to speak up. If you don't think something is right, say so at the board meeting before it's too late. And there's already a lawsuit over the issue. So it's a little bit of our personalities in Hawaii where let's go along with the norm. And it's a little bit of lack of communication or wanting to deal with the irritant owner. Yeah, so it's communication. Communication and to go along with insurance. I mean, we were talking about construction claims. Oh, yes. And there's something called an H-06 policy. And I know the Y-14B, the cattle statute was amended a few years ago to allow boards to actually go out and force place these policies. Why would you do that? And how does that help an association deal with their claims? OK, an H-06 is a policy designed for homeowners or who own a condo. You don't have to live in it. Whether you live in it or rent it out, you should have an H-06. It's a very comprehensive policy.  It covers the association's deductible. If you get charged it for a claim, it has loss assessment. So if there is a claim that was short on money, your H-06 policy can be there to help you pay it. So if you did get assessed the loss, that has to be a loss, not a maintenance fee assessment, but a loss because there was a claim and it's sold for more money than the association had and everybody's going to have to pay $5,000, you can take that letter to your H-06 carrier if you have a loss assessment and they'll pay it. So it's a good little policy. It costs $300, $400 max, depending upon how gusty it up your unit is. And Y-14B did allow the board, if the association agreed, to charge to actually ask owners to show proof of their H-06. And if they don't show proof to actually buy a policy for them. The reason being, it protects the unit owner. It protects them on a water claim, a fire claim. It protects them in a lawsuit where they're being assessed. And I did have a condo that everybody had to be assessed $1,300 because the judge, even though there was insurance money, he said, no, I want everybody in your complex to know how bad this board was and everybody's going to pay $1,300. And they got their assessment letter and many of them were able to turn it into their insurance company and the insurance company paid it. No deductible, no nothing. So that's how important this H-06 is. But again, the insurance industry estimates that only about 60% of people who live in condos carry an H-06. So it really is a good thing to force place it. The owners are going to be upset with you. How dare the board think they can do this? Where are they getting all this power from? I hear it all the time. Prove to me that the board has this right. Then I have to send them off 5-14B, the insurance section that says they do. And it's not done to be nasty or mean. It's done to, hey, if you have a claim, you're going to be thrilled we made you have insurance. Right, especially since the cost is very minimal. Exactly. I was talking to, we just had a fire at a condo and the man's unit that burnt, he started the fire, was a rental unit. He didn't have an H-06. Oh, I had it for 30, 40 years, Sue. But a couple of years ago I asked my friend, do I really need this? And his friend said, nah, you don't need the H-06. You've got the master policy. Well, you know what? He's now without rent, he used to rent it. He now has to pay the maintenance fees himself. He gets stuck with the association and is deductible. And when I was talking to him, he felt so bad because he shouldn't have done it. He didn't, I said, well, you can't always trust your friends to tell you what you need medically or insurance-wise or lawyer-wise or self. We learned, but he wishes the association enforced place the H-06 on them, but they weren't at that stage yet. And for associations who haven't done it yet, and we have just a few more minutes, but the condo statute has a process by which you go to your general counsel, your association general counsel, he drafts a resolution, and you take it to your board meeting, your annual meeting, your annual meeting, and you get a majority of people to vote for it. And that allows the association to force place insurance. In other words, everybody gets the H-06, and you turn in that information to your association or proof of insurance coverage. And if you don't have it, the board can then buy the policy and charge the unit owner. And that way, everybody has got an H-06 policy, an H-06 coverage, and that helps because then you're not all, you do make a claim against the master policy, but there are some, and there's been so, in the past there have been so many disputes as to what the master policy doesn't cover. And then you're, so if you all had H-06 policies, that's one area that the dispute with the board would go away. Exactly, because what the master policy doesn't cover, the H-06 should pick up. It's an extension of that, because your bylaws tell us what we have to insure, and it says as originally built, and in the meantime, you've put contents in, you've made beautiful upgrades. We don't cover that, we don't cover your loss of use. You gotta move out for a year, you gotta, you lose the rent for a year or whatever. You've gotta pay the maintenance fees, you gotta pay your mortgage, and you don't have the rent coming in.  Thank you very much for joining us today, and please join us next week for another episode of Kondo Insider. Aloha and Mahalo. Thank you for having me.


All day long as I scroll through social media and scramble to keep up with my babies, I hunger for peace. Not the absence of struggle or difficulty, or storms and chaos, but a space of waiting, of anticipation, of being anchored somewhere. It's a liminal space, one that holds the tension of those ever-present possibilities for life and death, one that allows numerous contradictions and tensions to exist together. It is a soil that gives birth to joy. It is a fruit of love. It roots hope.


Hai, how are you? I'm really hoping you're having a fantastic Friday morning. Thank you so very much for filling a desa. Eke evo rock goddess in the building, it is Angel Child Edition. We just had a very wonderful interview with one boy. Nani namesik. So, ane itwa pa set, mene itika tumali. One boy eh? Nasi mimi. Okay, yeah. Thank you so very much one boy. We see you and we appreciate you. So we have now two models on set. One very beautiful DJ and one very enthusiastic host. Wate Wascana. I hope una bambika. 254 on Facebook at Y254. Channel on Twitter. Hashtag is social Friday. You can text us on our line. 20154. Start with Y254. Mame mme tu desa. Mame tu desa. Mame mma kwa nasugetsu. Ninge kwa nawezu ninge katoa pana speaker. Apatu nawewe. Ninge jifu, asu jini jifu itia. Uwana director. No? Yes? We'll talk about this in a minute. Mame una kabuzuri. Thank you. A lafun muna kucha mbaka zi kwenasu aga. Mabuwe chanda kwa ginezi shida wakimix. Shazwe. Hawa elewia. Hawa elewia. Hawa elewia. Hawa elewia. Nili kwenmetu bua apapia mimi. A lafubi shitangwa kanyuliza. Ennavalu kikunyua supu. New Shamba. New Shamba. New Shamba. Ache ni kua iwo. New Tisha. Naesari bukazi. Tisha tu bua apa. Laftina ni tu bua apa. Wey. Tutchu mwapita kwa. Masupi mijikiwa nani. Hwupi mwapica nani? Moukwa freelancing. Mabuwa mika. Mokwamiha. Mwapi mwapika. Mwapi mwapikuna. Mubuwa mwapikuna. Umbuwa kutimbia, mwapika tika iwekwa. Appondianite, umbuwekwa nani. Mkubuwe kwa. Mwapikani. Mwapiki mwapika. We had a part there. When is your next gig? My next gig is on 12th Saturday. So, I will be at Kalefa. I will be at Kalefa. I will be at Kalefa. I will be at Kalefa. I hope Kalefa will be there. I hope Kalefa will be there. I hope Kalefa will be there. So is하게, this is the place you have been following us. You have been going on celebrity but I am soon. The number is now now thanks all so much. Thank you. I did not see that coming. I love your melanin. Thank you. Good things happen when you come to work, guys. What is your social media share? At Instagram, LemonadeMaker. At Facebook, Fina Mumbua. Different names. What is your name? Yes, Twitter Fina Mumbua also. And you are on social media? At Instagram, it's at Kishinati Fancy. Same to Facebook. No Twitter account. What is Twitter? Tweet me Kenyans on Twitter wa ko-servage. Una hata. No go anywhere. Ati nga go pa Kenyans sometimes. Tell us how you got into the agency. I asked because previously, kabla, Twingihehawani, I was telling them a little story of how. Nikiwa mdogo un kwa tkakwa model piya. Miwa was so stuck, nikiwa fiqira, wow! Mdogo kwa mrefun konda, una kaha nga, Ndogo kwa model. So, ochan kwa mbe. Nilianda kwa agency flani. Tafusani menda tumeregestana. Tukwa wengi, madem wengi. Kuli kwa na fotografa nini, atangoma ndo to get into the mood. Two weeks later, nenda kutafutaka. Ngojwa na fortulia story kumenda je. Lekia kuna. Walu kwa mehama. Tava. I was devastated. I was devastated. I keep thinking, any agency na nga nga tuwa punje, it's just a scam. Is it true? No, it's not true. Tell me how it works and why your agency is so amazing. Personally, I joined my agency three years ago, that is 2017, and I came to know about the agency through a friend. He's called Wafula, he's the current director of our agency. So there was this event called Boschik event by Uda. So I decided to go. Accurately sikuwa ni mawa item, bear or anything. So I decided let me go and try. So we were trained and everything. Tukakuwa na event. It was successful. I won. So afterwards I decided let me join them and try. Kusababu. I believe that I have the potential. I have everything that needs to, someone needs to become a model. So I joined the agency. And the agency is, I can say it's the best so far because we have, we usually have training. We also have life skills classes where they mentor us and they also give us exposure. That's amazing. Thank you. Nikuliza, when you wanted, when you had the idea that you wanted to be a model, what did you think you were getting into? Kuluku no na sayi maisha kumodeni na umikampel, Taira Bank, CV, Ajek. Uumunia ito nani. Eni misa hao jina ke, but she's very famous in that outside world. So how did you imagine your career would be? Well, as a human being getting into any venture you assume it's going to be easy but trust you me, being a model it's not easy. But then again with the patience and keep on pushing it really works. So I really knew it's going to be tough but at the end of the day it's eyes on the prize. Me meet, if I had no prior knowledge about being a model. Uumunia ito nani pima. Model kazi akesin kukapo anakutembe atu anatembe apu, alafonarudi. Anatembe apu, alafonarudi. Nasi smile, nasi anguke na heels. How is that hard? What's where the challenges? Tell me that I want to see inside your career to say me. You want hukuni angelesha? Being a model the challenges is stiff competition because nowadays ladies are models. So you have to have that outstanding thing that makes you stand out in the industry and before you realize what is outstanding about you it's really going to be hard for you but the moment you realize that you're good to go. What's outstanding about you? I believe I'm very confident consider to how I started because I've learnt a lot Really? In the long run. Confidence is important Just out here in real life. What have you gained? How has the agency changed you? How has modeling changed you? I was shy at the beginning I wasn't that confident.  I'm very confident even if you're in Germany at first let me tell you my first training was in Tezi when I was at first when I was still at school so it was okay to just something else plus the trainer was very tough so at some point I felt like giving up but I wanted this I mean one thing that I believe in is I have the best skin tone for this You really do. Thank you. We agree we agree we agree thank you she's on mute so it's rare to find her type of skin tone which nukweli nimeskia tayi skin tone yakoni visa direct I see tell me about the actual shoots because now it's called fashion in the wild tell me about that guys we have a couple of pictures it looks so good but tell me about the experience Okay fashion in the wild is basically connecting human beings to the wildlife because nature is beautiful it is but it's gotten to a point where we just focus on the clothes we are wearing and we really want to bring out the whole nature being personalized so that's why we do body pains and maybe wear on animal skin just to bring out the whole idea of nature and wildlife basically so it's really a nice experience do you have like a favorite animal? do you have to like animals to be in this fashion in the wild? you can do this if you don't like animals and who doesn't?  I love a lion because it really dominates the whole jungle like you know no matter where you go a lion is known to be the queen of it all regardless I don't know if it's me but even if you say it's me it's your main I don't know if it's black but you notice it's all black I see you guys representing everywhere you go are you guys having a good time because we are having a good time oh there we go here are the pictures this particular picture might make me join your agency you should look so good wow I like this so a bit creepy but very soft and fierce at the same time I understand this is kind of iconic for the group yes yes that's anantinomi campel guys this is one of our model actually how long does it take to get that face on? 3 hours maybe around 3 hours yeah you have guys also modeling as many what was the concept here? we were doing photoshoot for the fashion in the world it was in 30 first match so we were having a photoshoot to market the event and we have somebody running kali fahin nda kukawa ewe stunim kia mani kichu am not tushua I see this this now makes a lot of sense I just see her blending into nature this is very nice who does the photography? do you guys have a freelance or you have a specific photographer? we have a specific photographer a photographer we work with yes I don't know what to say I don't know okay but now we have a video who is enjoying this video a lot more than we are guys at white five on facebook at white two five four channel on twitter hashtag is one in the morning and social friday another zibra looking situation I don't know if it's a zibra there is a certain type of vibe african ting is not beautiful it's niyuma nyele ni baka tuweki ewe rangi wuna skemto na kuzia mafuta ostu ni ni but I like that you celebrate the hair the nature yourselves mazi spige director ni numa kofi haki that is me what? sure still the same you look like a goddess thank you we are so sorry how long does it take you now to have one perfect picture as a model you are supposed to know you the way to pose hakwambi let me give you an example most of the models to semi-victorious secrets do you know that most of the models get eliminated mainly because they don't know how to pose there is a model you are supposed to be prepared where do you want to just know how to pose kusababu wezi pelikwa studio amwezi pelikwa photoshoot na uju kupoze wuna phones wa how are you a model you are in yoni jembe it's many basics wow I really like this picture again something I really like about the agency ni ina leta was turned together that looks so powerful this one picture niza take over the world any minute definitely I like that I want you to encourage someone who is looking to either just be a model or just to make it maybe you guys you've grown in the industry and your confidence will grow so maybe there is a young girl out there who has a dream maybe she is a DJ you never know and this is a man's world kwanza apatutarudi na speech na time and this one is a very competitive world ni kawasani every day there is a new musician so should we stop wanting to be musicians should we stop wanting to be models no definitely no kus personally I started modelling at 2017 and it's at 2019 that I scoped my first title wow that is my swimsuit Kenya so in as much as it hasn't been easy you have to know what you want know what you want, how you want it and when you want it if you've not yet gotten what you want please hang on it's not easy no one said it's going to be easy if life was that smooth then it could be a bit boring I like that and I like that you sound like you embrace challenges well or so I say kwa kwa kwa kwa kwa kwa kwa kwa kwa have you come across kazi zenye na kumeku feel uncomfortable kama model maybe ni muna kwa some nature scenes kuna vene kwa expose kia enough to call it nudity but your body is defined but you are just a model your Model is applying to Sangina as you said before kama model i easiest to adapt to everything for me they did it with Toko muma kwa mwadehama, ya kut으면, mwadi. Ki ya mwadi matatupo shugicks na mwadi, kwa mwadi matatupo shugicks na mwadi matatupo shugicks na mwadi matatupo shugicks na mwadi matatupo. If I can echo that, I feel like a woman is an art.  There's nothing like new duty, I mean.  That is the whole essence of a woman. So being a model is, wow, I mean. It's great. Where do I sign up? Where do I sign up? Tell us as the audience. You can join our agency. How do we join the agency? You can follow our Instagram name at ientertainmentafrica or you can DM us. We can have auditions. Of course, we will train you. We will also train you. See, we will train you. We will train you. We will mentor you. We will be with you every step of the way. So, I'm going to ask you, where are you from? I'm from Kambal. So, you're from Kambal? That's what I meant. You're from the same place. So, as a model, you have a plasmas as a model. Yes, I'm a plasmas model.  You're a man.  Yes.  So, he's always looking for some fresh. I have money. So, you want to join us? Yes, I want to join. Are you asking where you're from? We are about to wrap this up so that we can now finish. Would you like to say something before we go? Yes. My goal is to impact young girls out there. Those who are scared to go for their dreams. Of course, everyone, at some point, kamo janzakitu, una skyanga yu skyadama, that is that pressure. So I'll tell them that I like this quote of Lupita Nyongu. No matter where you come from, your dreams are valid. So just kujatu, kujavenya uko tu.  Face it, face it. If you're not going to remember anything from this show today, remember that. Don't give up, just go. Say something, mami, before you. Yeah, I would like to thank everyone who's watching this show and say hi at home and ask anyone who's out there trying to chase their dreams. Don't give up. Yeah, don't give up. Just be you, know what you want and go for it. For models who want to join an agency, we create media is the best agency to join. Just come for auditions whenever they are called for and do your thing. No matter how you look, dark, light, plummy, skinny, you're unique in your own way. Just embrace yourself. There's nothing like I have any flaws. Your flaws are your beauty marks. That is what you should know. And yeah, so that's it basically. And gigs, manzee, gigs. We are models. Thank you so very much. Thank you. Thank you every day because I try my best to hammer into people's heads that you are beautiful. Imagine you are still beautiful, okay? No amount of makeup can change that.  Oh, Teras Riley. I am. It's funny, isn't it? DJ Apatizetongoma, then we'll come back with the rock orders. Fill in.


This is a lot of fun. My first time, any advice on how to handle all of this hoopla with fans here at camp? No, but carry a Sharpie with you, I'm sure. But it's just great. It's a college atmosphere. They give the tickets away, but you have to have a ticket. So because they got a capacity and they reach capacity, they won't let anybody else in. So the team's dynamite. They're an easy crew to cheer for. People love them. The team loves each other. It's just a great vibe here. Even so, I've been in the building at One Bill's Driveover in Buffalo. I've been there since 1986 in one way, shape, or form. Wow. And I've said this on our show too. It's extremely well run. It's an extremely well run organization. And so the results are in the team. And there's no guarantees. Never says you're gonna win a game, but they're winning a lot of games. They're winning a lot of games. You want them to win that big game and that leads to that next big game. Or just at least one more game, right? Just one more. We just want a little bit of improvement here. Now, every camp I'm going to, I'm picking a happy camper, like somebody that I'm really looking at. And it's Daphne Diggs, because it seems like he's happy. I hope so. I know the national media maybe was trying to draw some connections or some storylines after that playoff loss last year. But here's what he said a few days ago. He told the media, I feel I'm in a great space, a great place. I'm loved and I'm appreciated. At the end of the day, that's all I want. So he's too good, too likable of a character and too great of a wide receiver to have anything else with these 1,200, 1,400 yard seasons to go on.  And he does ride a little bit of a roller coaster. You know, I think he was on a low. When he was leaving Minnesota, everybody had this idea that he was irretrievable in Minnesota. I'm sure Steph and Kirk Cousins, they could have made it work with him in Minnesota easily because he's that kind of guy. He's ready to hug it out, you know, or have a hard conversation. Like they did at minicamp this year. He likes that, I think. I think that having conversations with the guys around him, knowing exactly what they're having and being heard. And I think that says, speaks to what he said. He knows he's loved and appreciated. He, you know, he also has a voice, right? And they made him a team captain. That was a big deal for him. He takes it really seriously. And I think he really relishes the fact that there is a head coach here and a quarterback and teammates who will sit down and listen to what he has to say. And that means a lot to him. And then there's what he does on the field. I don't know how he sort of gets swept out of that conversation of number one ride receivers. Of course, with what he did with Kirk Cousins in Minnesota, but as he pulled up the numbers here, he put up 100 catches in every single one of his seasons as a bill.  He's ranked top five in yards and touchdowns during that time as well. He's been a truly brilliant player, a consistent player, an option for Josh Young who has him, hopefully has a deep threat. And Gabe Davis, who's now healthy, coming off the injury, he's going to be a more consistent deep threat option. And then you've got this Kinkade kid who can hopefully be the security blanket that Beasley was for that time. Yeah, but still the centerpiece is Steph. He's a dude, right? I mean, he can go. And they can try and take him away, but they'll find, Josh will find a way to get him open, get him the right matchup. The offense seems to be extremely versatile. Kinkade, like you mentioned, and James Cook are going to get into that mix. Everybody that's going to be on the field and one of those five offensive positions that are eligible are going to be a guy that Josh can go to in a matchup. They're going to be really flexible. They can go two tight ends, one tight end. They can go four wides. They got some guys that can work in the slot. They got to keep Steph happy, it sounds like. Happy and healthy as well. Steph is going to be happy. I think he's going to be really happy. They're going to be really hard to beat again this year.  And it's about us, not me. And Steph is one of those guys as well. He's a we guy, not a me guy.  In fact, I think he's trying to be a listen, what are we all going to do here? And he wants to try to get some answers. So I think he gets a bad rap sometimes because he does stand up and say, what about it? But man, I think that team loves that about him. I think they really do love that about him. Well, they love it also by not really going for any of these wide receivers that were up. That's how the team shows that Steph is that guy. De'Andre Hopkins was available. Some people out there do think it was a myth that this team didn't go insecure, that elite wide receiver into this offense. But no, Steph is their guy. And if he's happy, he's heard it sounds like, and he's healthy, then maybe they can go all the way. So that's, yeah. I think you're right. Not only did they not go out and get a De'Andre Hopkins, there's only three in a room that's usually eight or 10 guys deep. They only brought three guys back from last year's wide receiver room. You know, Steph Diggs, Gabe Davis, and Khalil Shakir. Everybody else is new. Sherfield, Hardy, and they got a bunch, and all the other new guys they brought in, they're all like six, they all brought in big dudes. So they had a concerted effort. They rinsed that room out and brought in some fresh legs and some fresh guys. And Steph's a huge part of it. And I think you see them out there talking to those guys, they're coming together. You know, I have high hopes. In fact, I probably have higher hopes for that room this year than I did last year. And Gabe Davis is just a part of it. What's your favorite, you look back at all the years. What was it, 13, 14 years normally? 13 years, 13 training camps? Yeah. What was the best memory from your favorite one? Ha, ha, ha. Well, we were on the forefront of this, you know, kind of the lighter schedule. When Marv Lee was coaching, we'd have that morning, we had two a days. The sound's grueling. We'd have a morning practice.  The best memory I have is when the guys started chirping about their golf game during stretch. And all of a sudden we got this bet being put down, this bet being put down, this bet being put down. All of a sudden Bruce Smith has to go out and break 90 at that course. And there's money on it, right? So he's got to go break 90 because he started chirping. So all these guys are in on it. So this is some serious cash on this. We go out. What does that mean, like hundreds of thousands? No, not hundreds of thousands, no. This is the late 80s, early 90s. So it's a different world financially. But, so we're going to go out there. There's 14 golf carts out there. Well, there's only one set of clubs. There's all these guys that they're watching every shot he took, the entire 18 holes. And on the last hole, if he pars it, he wins. If he bogies it, he pushes it. And if he doubles it, he loses. It's a par five. He's got his third shot. The crucial shot of the entire thing is his third shot. And he's got to get it on a two putt to par to win. My boy sticks it to like four and a half feet and he wins the bet. So it's pretty big. But that's nothing about football. That's one of the fun things. Well, listen, maybe these football players, these Vaughn Millers, these Quinn and Williams who want to be the Bruce Smith, maybe you got to go golfing in the middle of training camp. It was a different thing. And I think our sports science people, our guy Rusty Jones back in the day was on the forefront of it and he had a coaching staff. And it wasn't easy back then to get the team to listen and say, listen, you need to tone it back with these guys and make them fresh and keep it like they're doing now. You're going to have less guys injured in camp. We're going to lose fewer guys to injuries. We're going to have everybody fresh and ready at the beginning of the season. And it worked for us. And it seems to be working for a lot of teams now, whether they like it or not, because everybody's kind of forced into it now. We talked earlier about the hype around this Buffalo team sort of evading it this year. Do you think that's a good thing? Nobody's complaining about it.  And here where there's so much accessibility with the media and all of us kind of stand around on the sidelines watching practice, the fans, the national media, the last thing you want to do is have one more thing to discuss about how is your favorite. And they dealt with it last year, no question about it. Got off to a good start. I mean, they had a phenomenal regular season and they handled it extremely well, but it was an extra thing. And in a season that turned out the way it did, they didn't need an extra thing. And I don't think we have that, we don't have footage unfortunately, but I think they took footage of Von Miller. He's not dressed to practice. He's of course working his way back from injury. He was on the sideline, but he's hitting this dummy. Do we have this footage of him? What do you make of Von Miller? Obviously he's a huge key through Davis-White as well, but we got to get Von to Von Forum for this team to win that Super Bowl, I think, and improve this defense. How's he looking and what are your thoughts? I wish I was in good shape as Von Miller is now in the bed. He's close. I think he's getting close. They're, you know, week one is not off the table. I think there's probably some milestones they want him to get through before he comes back and actually starts practicing. I'll say this. Knowing what I know about this team and how they work things, they'll be putting the brakes. They won't put him out on the field until he's 100% until they believe, until the medical people believe he's 100%, and they won't let him play even if he feels like he wants to try it and like working slow. But we will have a ramp up period. We'll get an inkling of when it's gonna be well before he does show up. So if it's gonna be week one, we're gonna know two weeks at least before that game kicks off. If Von's gonna be, I have a shot at playing. Leslie Frazier, the exit, Sean McDermott taking over. What do you think the biggest differences are going to be? That remains to be seen. It's a good question. Sean has a reputation for being very more aggressive than Leslie did. Leslie, their defense was as solid as a rock. Top five defense virtually every year that Leslie was here. They were hard to move the ball on, but they were rarely spectacular, you know? And I think a lot of people, you know, we're always trying to fix what's not broken and the defense was not broken. But if you're gonna do that, you wish maybe more turnovers, more splash plays, more tipped interceptions, you know, that kind of thing. You'd like to be, you'd like to have your pass rush show up in the stat, but instead of being just a top 10 sack team, where you sneak in there at the end to be up there, a team that's like, wow, how many sacks are we gonna get today? Kind of thing. I think that's what people would like to see more. Their defense was more than solid. It was an elite defense statistically throughout Leslie Frazier's time here. He's great, but it never, it never really felt like, hey, we didn't get a splash. You know, there's no splash play that changed the course. Does Sean have that in him? We'll see. I think you gotta roll the dice once in a while to get those kind of plays. Now, certainly this team was, when they're loaded and healthy, they've got some star players that could go out and do that and dominate and like take over a game. But as the season wears on, teams have a plan against that and they can cope with it and it gets harder and harder to do as the season wears on.  So, but I think for a coaching staff like McDermott, I think he'll roll the dice a little bit more and say, listen, they gotta deal with us on this play. On this third and medium, we're gonna make them make a decision real quick because we're gonna put some pressure on them. So I think that'll happen more often than it did with Leslie, but the results are yet to be seen because I think that's a big unknown. I mean, all teams have optimism. Is this, are there any challenges that you're sort of looking to see solved out here on the field over the next couple of days or early into the pre-season things that you have questions about? The backfield, of course, certainly won. People want Dalvin to come and join his brother and all of that with the running back, but they seem to be okay with the committee and their cook seems to be doing really well. But Tabie is worry. Damien Harris and James Cook, I think they're really happy with those guys. The middle linebacker competition. I think they're treating the middle linebacker competition like the rest of the league is treating the running back room. Wow. It's important, but to step back from an elite middle linebacker to a good middle linebacker is noticeable maybe to guys who study film, but not to the naked eye. You're gonna be happy with the guy they put in there. And they've got some guys in there. I think they have a lot of faith in. Plus, I think the guys behind Tremaine Edmonds, who was here last year. Right, it's a whole new film. As good as they could have ever been. They ain't taken the field with Tremaine Edmonds on the team. So they could be a lot better than people might give them credit for. I'm not saying they are, we'll find out. But even if they were, you'd never know because they couldn't get on the field. So we'll see who can take control of that. I think they're treating that a little bit like one of those things. We'll pay for good players, but elite is a little bit too pricey for us because we don't think the production of an elite linebacker is higher than a good linebacker enough to pay them the elite money. I have this theory that the entire AFC NFL really is sort of over the Jets in the off-season hoopla. Do you get that sentiment as a former bill and as someone who's so close to the team? Yeah, I don't think the bills, Patriots or the Dolphins, I don't think the rest of the AFCs can afford to be over the Jets. I think they're real. There ain't no question about it. Aaron can play and that roster with the quarterbacks they had last year gave the bills all they wanted. So yeah, it's justified. Just like it was justified for the bills last year. The bills went 13 and three last year as being that favorite, that hyped up team. They lost three games by a total of eight points and they gave one to the Vikings. So they were, that could be the Jets this year, but I think if they get out there and they get out to that fast start and particularly with the schedule rotation that the AFC East has with each other and the NFC East and the AFC West. Yeah, so if we're assessing threats here, who's, where have the Jets moved when it comes in the world of where the Chiefs sit, where the Bengals sit, in a brutal game last year that I hate to bring up here today, we're gonna bring it back. Unlike last year, I think when you're talking about the AFC, you're talking about the bills, but you're talking about the bills and the Jets and the bills and the Dolphins and the Patriots are waiting to see. I think they're the team that is off the radar, but the Jets, Dolphins and Bills, I think they're looking at each other like, like that Spider-Man thing. They're all pointing to the other two, right? They're like, you know, they're there. I think the Jets are in the conversation. I wouldn't be shocked if all three of those teams make a playoff run, you know, a couple of wild cards and the division thing. I don't think it's gonna be possible for an AFC East team, even this team, if they're playing their best, I don't think it's gonna be possible for those teams to get the one seed, because they're just gonna beat each other up to it. I think somebody like Baltimore may be able to get it done. Cincinnati may be able to get it done. But I think it'll probably be from the West. It all matters, week one, week one Jets. All those, I mean, it's all gonna have to work itself out. I don't think that games, I don't think, I, that's a tough game. That game at MetLife? Yes, on 9-11 with Aaron. Oh man. Yeah, it's gonna be electric. It'll be amazing. Now, last question for you. The Buffalo Bills, I don't know if it's, we'll make it to the Super Bowl or we'll win the Super Bowl. Let's say we'll win. The Buffalo Bills will win the Super Bowl if what? I think only if they stay healthy. If they stay healthy, they're hard to beat anyway. If they stay healthy and can play like they did last year, the first month and a half of the season before, you know, week three, they had five defensive starters off the field already. Yeah, unbelievable. So if they stay healthy, there is no stopping them. There is no stopping them. And as far as Josh Allen, his main theme that you'd like to bestow upon him going into this next year? Take the check down, bro. Just. Can Kate it, bro? Just take the check down. Get it to Can Kate, bro? Stay on the field, just stay on the field. I told him, it's like playing his golf game. Take the eight, take the eight off the page. Just take this little one over here so you don't take the eight over here, right? Don't take the triple bogey. Just, you know, give yourself a chance all the way down the field. Stay on the field as much as you can. They were second in the league in drops last year. They were second in the league in turnovers. Those aren't all Josh. They've turned, the interceptions are, but the fumbles and the drops are not, in my opinion. If they can cut all those out, man, this is a tough team. I mean, they're, they're, they're hard, man. They're a hard crew to get off the field. They're a hard team to beat. If the bills play their best and you play your best, the best you can hope for is a coin flip. I love that. If the bills play their best and you don't, you're done. Tasker. So. Well said. There you go.