Hey guys, it's Nate, aka The Foot Account, and welcome back to the channel. Happy Friday! We made it to Friday the end of the week, and we've also got more Glosso cards coming today. Icons and Heroes, team number two, which in my opinion are from the leaks from all the big names that are being talked about. I think team two might be clear of team one. I know it's up for debate and discussion, but I want to look at that and talk about that today as we're going to have new cards and packs, new SBCs, potentially an icon evolution, and how's that going to impact the market? Seems like the market's just been tanking for the last month. Is that going to continue today as we get one week closer still to team in the season? There's a lot to discuss in today's videos. We head into April or Friday. If you're excited for it, drop a thumbs up and subscribe if you're new. Now, let's go back and look at yesterday's Thursday content and go over that really quickly. There's not a whole lot to discuss, but there are a couple interesting things starting with our player SBC.  They've been keeping it pretty consistent with the player SBCs. That continued yesterday with Callum Hudson-Adoy, five-star skills, four-star week for boost, finesse plus, quick step plus. A very fun looking card. The stats aren't terrible. Of course, a lot of people are quick to point out the 80 reactions and the 80 composure in the dribbling stat to the card, but it does have 99 curve. He's got 94 finishing, 93 attack positioning, and pretty good play styles other than his two play style pluses, which are very meta. I'd have to say this is a decent looking card. The problem is there's a little bit of Premier League tax that is involved. 215K for this Hudson-Adoy. If this card, SBC wise, was like 150K, then it would maybe be a little bit better.  Maybe you're doing this SBC then. It's just kind of a fun one to do and it is craftable because it's only three squads. Not a whole lot to talk about there besides the fact that it's maybe just a shade expensive for what it maybe should be. We had marquee matchups yesterday as well on Thursday as always expected. And the biggest news really from yesterday is EA did not take very long to put that icon David Beckham SBC back into the game. Of course, on Wednesday it was released tradable mistakenly and they put the SBC back untradable as it was meant to be. But they only did kind of like two-thirds of the work. They put the SBC back and those who had completed certain segments of it, those were showing as completed so they could finish the rest of the SBC and get their untradable card. But EA did not yet compensate the fodder. So if you have done the squads of David Beckham, they had not given back the fodder just yet for whatever squads you had done. So that should be coming at some point. So it's nice that they got the SBC back out right away for those of us that want to complete it. That was actually nice to see, but they have not compensated people yet that turned fodder into that. So be on the lookout for that. I mean the coming days, yeah, we'll see how long that takes. Now a couple other small things to check out from yesterday. Guys, massive game in the Premier League yesterday which actually had impact on some fantasy FC cards Ramirez and Carvalho. Ramirez went up like 700,000 coins guys. This card exploded. He was 800,900,000 coins. He's now 1.5 mil. He's getting a plus two on Wednesday and so is Carvalho after the win from Chelsea Crazy Game yesterday, right? Cole Palmer, all that. He's getting an upgrade. Guys, sell this card, okay? He's very expensive. He had a crazy price spike. I would sell the card because we have, or what, two, three weeks away from team of the season and cards are going to be looking like this on the normal. Even though he has an upgrade coming, sell before the upgrade. We always know what, with the live cards, what to do is sell in the hype. But I also wanted to point this out because when big games happen, there are cards on the market that aren't even live that will move because of the hype of the player. This will happen during Champions League later on this year for sure, especially as we get down towards the end of the Premier League season. Big players, big moments, they move in price. One million coins, Cole Palmer goes up to 1.23. He's already still up around there. 1.2 million coins after the game yesterday because people log on to this game after they watch a game like that and they say, I want to use that card. So, I'm just telling you, it's not a live card, but Cole Palmer is up and that sort of stuff happens because football is what this game is based around. And when people get excited about the sport for something that they see, a real life game, it impacts the market a bit. So, just to point that out, Chelsea fans, non-Chelsea fans alike, it can have some market impact. Now, the last thing I want to discuss today is something kind of crazy that is going, it's going down under the radar late Thursday night here into Friday. EA is giving out 84 plus packs. Now, I did not get any of these packs are from objectives, but maybe you guys are noticing some random 84 plus packs being sent out. Some people have 30 or 50 of these and they have not tweeted or said a thing. As far as I can tell from the other EA accounts, like EAFC Direct Communication has not tweeted out, they have not released an official statement on anything from what I've seen yet. But it sounds like a lot of people just randomly got 84 plus packs singular, 84 plus packs untradable. So, I didn't check EA's help Twitter, let me just double check this really fast. Yeah, it shows nothing in there. So, guys, that was a really random one, a really weird one. I don't know what's going on with that. But if you got some 84 plus packs, I guess W, you have some for today for Team 2, Golazo. Or you could open them for Team 1, which is still in packs right now. So, that is kind of the situation of what happened yesterday on Ultimate Team. But we're all here for today, right? We're here for Golazo team number two. And it actually kind of started yesterday with the loading screen. And I want to go through this and quickly go through a lot of the leaks, because we had many leaks added to the list of names of players that we're expecting to see today. And that's why I'm saying, guys, Team 2, in my opinion, there's some heavy hitters in here, especially from this loading screen, guys. We have Violi, here's one of the new League Tiro cards that's coming today. 92 pace, 94 shooting. Not a crazy amount of hype for that card, but it could be decent. It's the icons that look crazy. Jarzinio, 96 pace and 91 passing for this Jarzinio card over here on the right. That is a plus four pace and plus five passing boost from his most recent special card, which was from Zencharians. But that's a big boost for Jarzinio. That card is going to be expensive and crazy. And Pushkas as well. 98 shooting and 95 dribbling on Pushkas. Very solid upgrade. If he gets maybe five star, either weak foot or skills, or maybe they make him crazy in five star, five star today, that might be your kind of like croiff of this promo with very, very expensive, a very, very expensive price on the market. Now, let's scroll through some of the leaks. Again, Jarzinio, that's how we know that player in the loading screen isn't Garencia. It is Jarzinio. He was leaked before him. We still have Roberto Carlos, who is coming today. We've talked about that. Desai, really excited for this card today. We've been waiting for him to get a special card. He's finally getting one. Lineker is getting a card today as well. This is just a gun. The guys that are named off here as icons. Insane. Kaka, big name icon card coming today. Give him finesse plus EA. I can't wait to try this card out for the memes, right? Pushkas. Of course, we talked about him from the loading screen. A new leak from yesterday. Didier Drogba. Drogba is getting another card. Maybe Ariel plus. Hopefully it's not Ariel and Powerheader. I would be super fine if it's like Ariel and like, I don't know, Powershot. I think Powershot would be nice for Drogba too. He just kind of, I don't know. He has his own aura in game, people say. I have not used Drogba this year, but people say that he is pretty good. This is going to be a nice, nice card for him. And Essien getting a card too. Guys, I mean, there are some big name icons. Very meta, popular icons that are getting in his Colasso team number two. And we're only looking at the icon leaks at the moment right now. I do believe there's a couple more like Vidditch, who we've covered in yesterday's video, and also Lampard as well in terms of the icon leaks. And there's one more big icon that's leaked as an SBC. But then going back through and taking a look at some of the heroes, we did have a couple new hero leaks, including Robbie Keane. He's coming as a big bro, little bro version. He's going to be pretty cheap. This is like kind of the Berbetov, I think, of last week. I bet this 91 or 92 rated Robbie Keane card is probably going to be 100, 200K. And the little bro is going to be basically discard value. He'll be cheap. So watch out for that, but that could be a very nice card because Robbie Keane usually is pretty meta, especially if they give him finesse plus. We're also getting a Harry Kuhl. I don't know if he's had a special version this year. I remember using his Marvel version for the World Cup heroes that were released last year in FIFA 23. His card is getting a little bro and a big bro version as well. That could be a very, very nice one for Kuhl. So he is a brand new leak that is coming out soon. And there's a few more. Of course, we mentioned Vialli. He's on the loading screen. He's going to have 92 pace, 94 shooting. If that dynamic is actually on his card, that would be so cold. And then Cordoba. We've been asking. No di Natale, unfortunately, but we are getting Cordoba today as a go lasso hero card. And I think I'm missing a couple more. Rosicchi, we've talked about and mentioned. Oh, yeah. Park Ji Sung is coming as a hero as well in this promo. So guys, again, you look at the leaked players, the leaked promo cards for the icons and the heroes. There are a lot of icons and there are some heroes, but it feels like there are less of them. But man, the icons and the big name icons comparatively to those that were in team number one. Guys, I think that team two is going to be clear of team one. That's just the way that I look at it right now as I look through these names and these players that are going to be coming out today. Now, the real question is going to be, and a lot of you guys might be already thinking this, Nate, is it really going to be better? Because what if they just turned down the pack weight? And that's a very, that's a very real question to ask. But I mean, when I was thinking back earlier today, we were talking about this on the live stream on Twitch. It doesn't really feel like from a team one to a team two this year. I can't remember a time where the pack weight has drastically changed, where team one was super packable and crazy. And then the second week was like the complete opposite. I think it's going to be pretty comparable today, guys. Now, I will put one caveat out there. I do think that there, with more icons being in packs, there could potentially be a little bit less of a seemingly of a packability of the cards. It might seem like you have a less chance to pack them or you're seeing them less in packs, because if there's more icons in packs than heroes, the heroes in this past week have definitely seemed more packable, especially the little bro heroes. I packed Berbatov plenty of times. I packed Francescolli yesterday and trying him out and all that sort of stuff. So I think that that might be one thing where we notice a difference in this next week of the game. But I mean, guys, I do think that like we saw last Friday, the new cards that come out are going to be very heavily supplied on the market through the lightning rounds and the store packs that EA dropped today, just because these cards, comparatively to normal heroes and icons have a very, very high pack weight. And I think that's going to continue. They might be a little more expensive today as the team is throughout just because they're just better cards. Like instead of a 500K Javi Alonso, you're looking at maybe a Kakakart today who's over a million coins or probably over a million coins. Even with Essien, like I would say Essien over Javi Alonso is very likely in terms of people wanting to use him over Javi Alonso. I know the new cards always bring the hype and also the meta players in-game bring the hype. And you know, Essien is very meta. A lot of people use his team of the year card. Always look forward to using him. Dragba, same thing. Kaka, of course, as well. Roberto Carlos. Again, that's why I'm feeling this team too is going to be clear of team one. But it might lead to a few cards being a little bit more expensive today. So I don't think the pack weight's going to change that much. I think you're just going to have more of the, what you would say, expensive cards in the game today, which might make it seem like they are less packable. Just there's more expensive versions out instead of some of the cheaper ones, which I'm fine with. And I'm going to save a couple of packs with because if I hit something today, I guess that would make me think that I have a better chance of hitting something good. Now we'll talk about the impact of that pack weight potentially on team one here in a second. But let's talk about SBCs because you may be have noticed there's one leak that we've skipped over talking about one big player who was originally leaked to be a card that might be in packs, which actually still could happen. But he's also going to be an SBC. And that is King Eric Cantona. He is coming as an SBC. And of course, this is raising the question in our minds. Is it going to be like the out of the way when last Friday where he got the SBC and a better version was in packs? I think that seems possible. I don't know if that's been confirmed anywhere. Maybe I've missed it. I mean, based off of how I did it last week, maybe that's how it plays out today. But regardless, a King Cantona SBC. I don't know, man. This guy in this game, I haven't used him too much more than a couple of games. I used his base icon and the five star skills are like one of the best things about Cantona's card. Some of you guys have maybe packed the Thunderstruck from an icon player pick. I've only used the base version. He has Flare placed out plus on that card. I think that's worthless. I've mentioned that. Technical plus on this Cantona I think is very interesting. Again, he has earned the nickname Jamtuna in game because he's very jammy. I used him two years ago when he had a crazy icon moments SBC that was out during the season and that card was incredible. This could be a very, very good SBC today, guys. Two playstyle pluses for sure for Cantona. And if you go like a plus two over this Thunderstruck card, you're looking at stats in every single category except for defending above 90. 90 or above, right? Maybe they give him 89 passing. But like a card like this as an SBC, that could go crazy. So he could be very, very meta and very, very hyped. He also could be a little bit expensive if they're going to do, even if they do two different versions, he could be a bit pricey. So I'm a little interested in watching fodder prices today. I think some of the 90 and 90 ones have already started to just inch up in price a little bit. Yeah, KDB was 35,000 coins. Now he's 37 and 90s I think were as low as 25K. Now they're about 27K. Even 89s were 20. They're now 21,000 coins. After Division Rivals rewards yesterday, really destroyed fodder. Just to talk about that for a quick second. Wow, look at this. Rubendius was 24,000 coins before Rivals all the way down to 20K. And it is back up a little bit as the supply has been ending. But that was crazy to see yesterday as well. It's becoming a real new normal on Thursdays is that everything impacts. Even the cards, the golasso team yesterday. Bobby Charlton dropped a bunch. Caffu dropped a bunch. Most of the cards, Ginola is now 3 million coins dropped off a lot yesterday with Division Rivals rewards. But I think if you're going to invest in anything for Cantina SBC today, you probably want to buy 90s or 90 ones and sell them a couple hours after content.  Let's see, Friday, right here. When content dropped on Friday, he was 43,000 coins. He went all the way up to 47K and was only there for a few more hours and then got destroyed on Sunday with maybe squad that rewards and weakening rewards and less SBC demand really dropping him in price, right? Over those last couple of days last weekend. So there's going to be a rise in fodder. I think it rises today and that's when you need to sell it. That's just something to talk about if you're going to invest for Eric Cantina and that SBC today. Speaking of SBCs, there's maybe the chance of something else. The 83 plus team will be player picks going to get refreshed. I think the 88 plus, the gamble icon, the campaign one. Not the icon. Sorry, not the icon, but the 88 plus campaign is going to refresh today as well. And I think even the 85 plus player pick is going away, but the 83 times 10 refreshes. Yeah, the 85 pick goes away. Maybe that comes back. 83 times 10 does refresh for one more day. We'll be able to do it one more time. But that Cantina is going to be one of the biggest things in SBCs. Let's talk about objectives. I just finished the Robin van Persie objective for the XP. I would imagine that there is going to be another golazo objective player. Maybe it's for a hero this time. We'll have to see. I would definitely think that's coming today. So watch out for that. The cup, maybe you guys maybe didn't notice this. I kind of forgot. The cup is still available. So most of you guys maybe have finished it already or you're pretty far into it. I only have to win three more games and get one more finish shot and my cup run is done. Those packs would actually be very nice to open today for the new team. So I might try to get that done. But there's probably not a new cup coming today because there's one that is still going to be there. So we'll have to see how much hype there is with that. Now, one thing I do want to mention is guys, I actually think there's a real possibility today of us getting a icon evolution. Of course, we had the hero one, right? It was the heroic Chronicles. I put Clint Dempsey into this evil. A lot of you guys maybe did Marquez. Maybe you did Coler. Maybe you did Berbatov. This evil, you have to decide who you want to put in it by today at Content Drop. So don't forget about that if you're going to put somebody into this evolution. Make sure you go ahead and do that. But I think last week when they gave us that 85 plus pack and they kind of had that little promo screen that showed like what was happening during the promo. I think it actually mentioned I really didn't read the fine print on that image real well. But I'm pretty sure that it mentioned that there was a icon evolution. Now, there's no leaks right now for an icon Evo. But it kind of makes sense, right? Last week we had a hero, Aloe Wren. And we had a lot more heroes in packs. This week they're going more icon heavy. If we're going to have a Cantana SBC then maybe we are going to get an icon evolution today. Now I will say icon evos this year have been terrible. I don't know there's been one good icon Evo except for if you've maybe already had one in your club and then you put it into the Evo to get a small boost. So we'll have to see what this type of icon Evo is if it drops today. Watch for leaks. Foot police on Twitter tweets out a lot of those evolution leaks. So I will say watch for that. And if there's prices moving on the market and there's a lot of icons that are flying it will make sense, right? Because that'll be like oh wow this guy must be fitting one of the evos that is coming out because his price is going up a bunch. So that's one thing to point out and one thing to pay attention to today in this game that could be good but I'm not putting my expectations too high for that. So that's kind of the content that we're looking forward to today. An icon Evo the Cantana SBC probably the same big store packs. I don't imagine that the 650K pack is going to be out today. What day did that drop last week? I think that was on Saturday but maybe it wasn't. Yeah it goes away. You can see the Supreme Colazzo pack is going away as is basically the whole entire store. Yeah all that expires at content time today so there will be new packs added in but probably some of the same ones that we just saw this last week during team number one. And to be honest a 650K pack with better icons and packs I would be more tempted to open this one this week with team two potentially in team one. So we'll be watching out for that seeing when that drops there's going to be hype for that for sure because of how juiced that pack was. Even the 330K pack that they dropped last week on Friday which I ended up opening if that comes out today that could be an SBC or that could be a store pack to be watching out for too. Now let's talk about the market with all this going on what is going to happen to the market. The market is still in like a general state of decline it's still a good place to trade though guys I bought a Declan Rice at 1.13 he's now up over 1.23 up 100K I picked up some Salas this was my big move yesterday I bought 3 Salas for 740 to 750K he usually sells in the mid to high 800's there are a couple of other people here trying to sell at 825 so I'm waiting for those to sell maybe today with some weak and weak demand as people get up and play some champs hopefully Salah can go up a little bit more and I'll be able to sell for some nice profits there I'm still flipping and prices are still moving and there's still a lot of demand but guys from prices that I'm flipping at now compared to where I was trading with cards at the beginning of last weekend like I'm pretty sure last Saturday I sold this Bukayo Saka for 1.8 million coins and the bro is 1.1 mil I think that with all the icons and heroes that are coming out today even I'm still worried for the market again I would not be holding on to too much if you want to try want to try a tradeable card I would say don't hold on to it for too long yeah use the card you want to use buy the player that you want to play with use them in champs or whatever but I probably would not be holding on to that player for a super long time just because we are getting more and more great cards today and if they have a similar pack weight even if they're better players and are a bit more expensive if they're supplied on the market like team 1 of Golasa was then I think that the rest of the market could once again take a hit and even some of these cards from team 1 a lot of people have been asking me Nate I really want Kaffu for my team I really want Jannola or Ashley Cole or Aloe or Charlton do I need to buy them today and in my honest opinion I don't think you do unless you want them for this weekend league and those games then sure go ahead and buy the card I don't see most of this team though having a rise out of packs if I had to pick a favorite for a card that could rise out of packs I would say Kaffu Coler maybe Ashley Cole and maybe Charlton but guys again when I look at the market and I see the supply for these it's just like wow there's so many of them and when you think about that happening again today with new cards new Golasa items icons and heroes I don't think there's going to be really that big of a rise on the market but I want to shout that out and I wanted to mention that because there's a slight chance that some of those cards could rebound a bit today on the market but I'm going to be sticking to maybe birthday cards road to the finals anything man you see on this transfer list like anything fantasy FC cards are insane to trade with old informs low budget high budget I'm trading with cards in here that are 200,000 coins I'm trading with cards in here that are close to 2 mil like with Veran so everything on the market right now is still moving and it's a good time to trade if you want to put the work in if you want to put the time in but you just kind of have to it's all about the timing right and just know that on Fridays the market does okay for a couple hours but once we get into Saturday usually it has been tanking like crazy how much is Declan right now is my Declan the cheapest on the market ooh it's close 1.247 wait is mine the cheapest I think I listed right like 1.25 I think I'll have to double check that but if we get to sale here pretty soon we will know why but the market still remains a good place to trade if you do want to put the work in just have to be careful timing your buys and sells because stuff can drop at a moment's notice and with a King Cantona SBC potentially today maybe a hero or sorry a icon Evo things could get really interesting today on this game as well so hopefully they juice up the rest of the team like we see on the loading screen looks like pretty good juices for those cards and hopefully they spice something up today too whether it's the Evo maybe an SBC we weren't expecting spice something up today but let's have a great Friday guys thanks for watching the video today if you did enjoy drop a thumbs up on it comment below if you have any questions and subscribe if you're new see you guys in the Twitch stream today that link is down below in the description catch you guys there man it's been Nathan for Accounting catch you guys there peace


you don't need to do something big for God. We are so quick to equate metrics with meaning that somehow the number of people that I'm able to impact determines my usefulness to God and thus his level of love for me. God has placed you where you are for a reason. He's given you the talents, opportunities, connections for a reason.  What God asks of you is to be faithful with what you are given. We look at other people's calling and either get discouraged or jealous.  That's where we begin. God has given you his power and presence in your life so that you can pursue his calling and mission for your life out of love for him, not out of guilt or comparison. That's good news.


Hi Eileen, on this question you have about problems 7 in section 7.3 and you said when the question does not provide the standard deviation, how do I find it in stat crunch? Okay, let's look at the problem and I think this is the one and it is a question in which they want you to use a distribution to determine whether or not the sample supports a claim that the mean salary is $22,350 and they tell us to assume the population is normally distributed, there are two things that we need to first think about, one we only have 10 values in our sample, so that's a lot less than 30 so that would tell me that I probably want to use the t distribution for this particular question. And first thing I wanted to do is let's just look at the first part of the question, what are the null and the alternative? Once the claim is that the mean is $22,000, in other words the mean salary equals $22,350 that means it has to be the null, the null always has the equality, the alternative always has the inequality. So if the mean is $22,000 that means the null is mu is equal to $22,350 and if you look down here and you pick the right one, mu is equal to $22,350 that is the claim and the alternative has to be the complement which would be not equal to $22,350. Because we've got a not equal in the alternative that tells us we have a two tail test, a two tail test and I think that's the reason that you missed this problem there. You've got a value of 2.821 to minus 2.821. So let's check, I want to bring up stat crunch and we can do that here because we've got data and we've got the little icon. I'm going to open that in stat crunch and bring that up and the first thing I want to do is try to find this critical value of t. So we go into stat, t stats, I'm sorry, calculators, t calculator and we get this calculator. We want to use the standard because we're not doing it between and we're trying to find the critical value of t. The degrees of freedom is equal to n minus one. You've got ten values in the sample so that's n so our degrees freedom is nine. The alpha is 0.01 because we have a two tail test that means each tail has half of 0.01 or 0.005 and we'll click on compute and we can see that the left tail, the lower tail that has 0.005 probability or the area into the curve of 0.005 is a t of minus 3.2498 or 2. I'm sorry 3.250 rounding it off and that is the answer they had minus and negative and of course you can check the other side by putting the 0.005 in again and there again is your positive t critical of 3.250 so that's how they got that. Let me see if I if I put in 0.01 what do I get? 2.821 and I think that's what you got. So what you forgot to do was since you've got a two tail test you got to divide alpha by 2 to get the critical value. Okay let's solve the next part of this and we're going to go to stat t stats one sample with data and we bring up this dialog box and our data is in the column label variable one so we select that just double click on it and then down here we can leave the way or in group by alone we've got to set up our hypothesis test mu is 22.350 we make sure that alpha is the complement which is the not equal and I'm going to click on p value I'm sorry p value plot just to give us a little more information here and click on compute and we let me bring this up here so we can see a little bit better make it a little bit bigger bring that chart over there and spread this out here okay the results of the one sample hypothesis t hypothesis test for mu equal to 22.350 and the alternative mu not equal we get there's our degrees of freedom who said nine and we get a t stat of minus point six three one three a rounding to minus point six three one and I'm pretty sure yeah minus point six three is what they came up with see what did you come up with 190 I have no idea how you did that I think but anyway we've got our critical value our sorry our value of our t statistic of minus point six three we've got a p value here of point five four three five which tells us that the test is not significant and therefore we would not reject or we failed to reject the null hypothesis so let's just check something here I got it to give us this p plot and this shows the values from the t statistics minus six point three and that shows the positive side but this is the area under the curve to the left of our test statistic and you can see it's a lot larger than the critical area over here in this test you can just see the critical area there again believes it begins at minus 3.25 our t value here is minus point six three so that's definitely not in the rejection zone so we fail to reject both things tell us to fail to reject the the null we bring this down here and do the last part um what do we decide to do we fail to reject the null because the test statistic is not in the rejection region and also stat crunch gave us a p value which was greater than alpha much much greater which also says do not reject we fail to reject so the last part is interpret the decision and you got it right and the claim was the null we do not reject the null we fail to reject the null therefore there's insufficient evidence to reject the claim so that makes sense so I hope this helps Eileen I forgot to answer your basic question how do you solve this without the standard deviation being given and again they don't give us a standard deviation but they give you the data and when you use stat crunch with the raw data to solve the t hypothesis test stat crunch calculates the standard deviation from this data and it doesn't show it to you I don't think let me go back no it doesn't give you the standard deviation gives you the standard error that you can back calculate but trust me stat crunch was calculated did calculate the standard deviation and used it in this t hypothesis test and if if you're curious about it you can calculate that standard deviation yourself let's just go to to stat again summary stats column variable one and I'm just going to select standard deviation this time compute and there you have the standard deviation if you're trying to solve this thing longhand


Headline, news update. Hi everyone, Basel Chapman on this Friday. This is October the 15th, end of the week, and we're looking at a weekly chart in the Dow that is just about to test a resistance line. The daily chart, remember before weeks we've been talking about this declining channel, a little mini channel I call the Chapman Wave Insight Track Repellent Zone. It's now become a propellant zone. One of the reasons why we try to keep our long-term position from last year still intact is because it looked like we were using more time than price in the consolidation. I'm not sure the consolidation is yet complete, but look at the spectacular, we've up 302 points in the Dow, 35211, definitely weighing to the 35190 level that I said is what we're looking at as the next resistance. Very nice action. Today is young, we'll see what happens by the end of the day, so far so good. SMP, Leg C. I can't remember if I drew this during my show yesterday or not, it was afterwards, but what I said is in this particular technique which I'll be discussing in detail in my webinar coming up for subscribers to an opening call, that'll be Tuesday at four o'clock, go to the front page of TFN and check it out. There's a pattern that I call the falling axe formation where you come down, make low highs and much lower lows. When you take out that resistance point, there's a chance you can go one-to-one and I use it very carefully, specific levels that I look at, and that says there's a chance that the SMP can get to 44.79, it's at 44.65 of 27, even the QQQ lagging but still doing okay of 82 cents and 367 is testing that resistance line, but the IWM within the weekly larger rectangle formation is heading towards the upper part of the horizontal channel. And here we are, it's broken out above the resistance line, it's up to 17 and 228, very nice action. Here's the problem. I don't know if it's a problem per se, but it is a problem for gold. Gold is down 25, as I said before, gold is in a trading, a shorter term trading range. It went up almost to the 200-grid moving average, now it's pulling back, I think it's still in play, it's getting used to these big transitive moves, the TLT is pulling back, some yields are going up, and crude oil, I'll be back in a moment for the Tiger Technicians out, crude oil is up again, I'll be back for the Tiger Technicians.


Hey what's up you guys what is going on and welcome back to another rugby player reacts to the 2020 NFL draft video this is a video series i'm going to be bringing out on my channel every single year it's the second year it's the second annual year it's the second uh inaugural no it's not the second inaugural the inaugural would have been last year it's the second season that i'm doing this last year April 2019 i reacted to my very first NFL draft and i loved it i enjoyed seeing my favorite picks play out their rocky season um you know guys like DK Metcalf guys like Mitch Wichnowski the kicker from from the 49ers and many many more um of course i am biased uh towards my running backs and my either New Zealand or Australian athletes although i do believe there is not one New Zealander in the NFL right now and if there is please let me know because i'll do a video on them anyways guys there's no time to lose we're here it's round number two we've got a video it's 16 minutes long it's called round two every pick and analysis eagles take a quarterback 2020 NFL draft in the first round we saw five quarterbacks taken in total or was it four was joe burrow at the first pick it was Tula at pick number five it was Justin Herbert at pick number six Jordan Love pick number 25 Jalen Hertz actually come to think of it he wasn't picked and if they're saying that the eagles take a quarterback the eagles must have taken Jalen Hertz but we're going to get into that let's go yeah the 33rd pick in the 2020 draft the Cincinnati Bengals select T Higgins wide receiver Clemson somewhere there you go listen to Michael borrow to Higgins borrow to Higgins here's what you need to know about T Higgins in his three year career Clemson 27 touchdown catches why is that significant it ties the school record of Deandre Hopkins and Sammy Watkins who were both first round picks rid the 34th pick in the 2020 NFL draft the Indianapolis Colts like Michael Pittman wide receiver us another wide receiver well just like the first round we're going to see a lot of wideouts go up the board and here's what you know Michael Pittman the name sounds familiar and Booger alluded to it his dad was South Carolina for the Tampa Bay Bowsom of California and he was part of a Super Bowl championship squad with the 34th pick in the 2020 NFL draft the Detroit Lions like Deandre Swift running back Georgia wow okay this is interesting I like this okay this is an interesting pick here because we're going to get into the running backs now we're going to get into old Taylor we've got Swift we've got Acre coming plus some more Deandre Swift there you go the second running back off the block to the Lions Deandre Swift is a guy who could do a lot of things out of the backfield he waited his time at Georgia behind a lot of good runners hang on check out the Detroit Lions depth chart get my head around this better fucking show me all right roster running back Wes Hills Jason Huntley Kieran Johnson Ty Johnson Bo Scarborough and Deandre Swift and it looks like Swift will be wearing number seven was that the number that he used in college let's have a look like Nick Chubb and Sony Michelle with the 36 timing okay this is a pick here because Deandre Swift is a guy who can do a lot of things out of the backfield he was 36 pick just want to see if he got his number Deandre Swift was number seven that's fantastic in the 2020 NFL draft how good would that be going through your college career wearing a number and then being able to continue that into your professional career that it just feel right wouldn't it New York Giants select Xavier McKinney defensive back Alabama alright so the X-man is off the board which means it's time for another tattoo for Xavier McKinney he has been doing that since he was six years old he's got Marvin the Martian the Minions he's got a bunch of things on there now he's going to have to have a New York Giants did you just say that this guy got a tattoo when he was six in a 2020 NFL draft you're doing on Patriots like Patriots Kyle Duggar defensive back Lenore Ryan haven't seen the Patriots yet Lenore Ryan stand up Kyle Duggar is off the board it's the first time an NFL team has selected a division two safety in the first three rounds since the Bears took Daniel Manning out of Abilene 42 inch medical league in 2006 with the 38th big in the 2020 NFL draft the Carolina Patriots like Yitor Gross Matos defensive end and what are Yitor Gross Matos led the team at Penn State with nine and a half sacks of 15 tackles for lost are you reading this stuff big 10 selection by the coaches and the media but the things that he has had to deal with Gross Matos very very young start in his life is absolutely incredible we're the 39th big in the 2020 NFL draft what a legend Robert Hunt tackle Louisiana Lafayette well there he is Robert second temple of the draft Robert Hunt is a fascinating prospect here because Robert Hunt in the last two seasons allowed a total of five quarterback pressures and 574 past blocks he did not have a single blown block on any of his 216 this is the guy you want with the 48th pick in the 2020 NFL draft the Houston Texan select Ross Blacklock defensive tackle TCU all right Ross Blacklock is a very interesting story as he's awaiting to hear the news officially that he is off the board played at TCU the advisory board told him to hear Ross for one more year but he says I'm gonna trust my instincts out of Missouri City Texas the Cleveland Browns have created the 41st pick the Indianapolis Colts really 41st pick in the 2020 NFL draft the Indianapolis Colts select Jonathan Taylor running back Wisconsin Jonathan Taylor is a fascinating player came out of areas pick number 41 in the 2020 NFL draft a second round pick mid-second rounder going to the Indianapolis Colts Jonathan Taylor running back but I'm so excited to see this guy play man Jersey where he broke another former Badger running backs high school rushing record he almost hang on what is the dope award I have to draw my memory is the top running back in college football wow two-time dope walker award winner did no one did did did did no teams need a running back what the fuck happened here a Harvard as a philosophy major with the 47 what where he broke another former Badger running backs high school rushing record he I have to watch this guy's highlights actually so we'll just put that in there he played for who do you play for no Wisconsin Wisconsin Wisconsin okay I'll try not to get too distracted and let's continue went to Harvard as a philosophy major with the 42nd pick are you telling me that the Jaguars were one pick away from getting Jonathan Taylor I'm still going to be a Jags fan this year so this guy is going to be my guy touch the ball again Colorado as a freshman he picked up a fumble button took it 55 yards to the house against Texas State now with the 43rd pick in the 2020 NFL draft hang on that kid chose Colorado over Alabama and LSU and he probably got way more looks way more game time for doing that and lo and behold still makes the NFL that was a great choice my friend great choice Texas State now with the 43rd pick in the 2020 NFL draft the Chicago Bears select Cole Comet tight end Notre Dame well the Titans are going to be coming off the board and no surprise that Cole Comet is one of the first one he put on a show at the combine around a 4740 tying for second with a 10 foot 3 inch broad jump he said I want to do the things necessary to show I'm the top tight end at the draft and he's the latest a long line of Notre Dame tight ends with the 44th pick in the 2020 NFL draft Cleveland Brown select Grant Delpit he fits it back LSU all right so Grant Delpit is off the board and he's finally there he is going to go to the Cleveland Red Ley this is the second straight year that the Cleveland Browns have taken LSU baby Jamal he does look like Jamal there's been a couple of guys that have got like Jamal Adams he must have a very recognizable face the Tampa Bay bucket here select Antoine Winfield cheers Roger okay this is kind of strange we've had four safeties go off here the second goal look at the size of this house bro that looks incredible I think they're a little happy about this in the world I'm happy too man where he's from again Antoine Wilfield a unanimous all-american with the 46th pick in the 2020 NFL draft Roger turn around and select KJ Hamler wide receiver Penn State okay they are clearly surrounding their quarterback Drew Locke who they took in the second round last year out of Missouri with some weapons they got Jerry Judy in the first round and now Lewis they get KJ Hamler who all he did his freshman year breaks Saquon Barkley's all-purpose yardage mark he went to Penn State 2020 NFL draft what did he do all he did his freshman year breaks Saquon Barkley's all-purpose yardage mark that's pretty impressive isn't it select Marlon Davidson defense tackle Auburn although just mentioning that record before it does seem as though you know basically every player that makes it into the NFL goes through college makes the NFL they've they've all got at least like some school record you know whether that be in high school or college they've usually got you know at least one or two school records touchdowns touchdowns thrown yards receptions something sacks tackles tackles for loss fumbles no not fumbles that'd be bad fumble recoveries 48th pick in the 2020 NFL draft sorry guys there's something I need to do and I haven't been doing it so far and I really really apologize so if you just give me one second we can now continue defensive end all right you put an outside linebacker at Tennessee had eight and a half sacks as a registered senior and six four 267 pounds dj one of the only three balls over a four-sack game let's have a look at this yeah somebody was hurt this year when you go back to 2018 you see the get-off right here the explosiveness and they have three 49th pick isn't that interesting he's the same height as the man that he bet it's just he can move so much quicker look at the guys going up against look they're literally like the same height it's just we can clearly see which which guy is there's going to be more agile which guy is sleighter and what happens he gets straight around stays on his feet really well gets to the quarterback still all right chase people went from avasper where's Antonio Brown gonna end up this year and a banana halo chase people like a really strong combine but he grew up in avasper brisk columbia with the 50th pick in the 2020 NFL draft the chicago bear select jillian drassey keep us back you saw so jillian johnson is now off the board and he was a very interesting story found out after the season he played the entire year at you talk with a torn labor he got a tackling drill that went right in camp early on but he stayed inside to play through the entire season 50-50 first pick in the 2020 thank god you did man now you're the 50th pick in the 2020 draft and his first NFL game he ever attended was the mini anapolis miracle can you believe that running back seminal that multiple thousand yard rushing season we're the 53rd pick in the 2020 NFL draft quarterback the Eagles like jaylon hurts quarterback oklahoma well it just got interesting ladies and gentlemen as jaylon hurts is going to doug peterson look at him he's just chilling he's just chilling on the couch mom and that philadelphia offense and there are a million ways this can go jaylon hurts has barely been two completely different quarterbacks with the 54th pick in the 2020 NFL draft the popular bills select a j efe nessa defense event Iowa so a j efe nessa goes to what is already going to be a very very good defense and this was a kid who was one of the first five star recruits to go to Iowa for a while and sat for a while with the 55th pick in the 2020 NFL draft the Baltimore Ravens story jk dobbins running back Ohio State well we'll wait a few seconds hold on a sec you won't be able to do this eventually let's try that again did you like that jk dobbins is the first buck guy back in school history to rush for a thousand more yards is that Ravens sophomore and junior also became the first running back ever in school history to rush for 2,000 yards with the 56th pick in the 2020 NFL draft the Miami Dolphins select Ray Kwan Davis defense of tackle Alabama all right Ray Kwan Davis was a very very productive player booger at Alabama what is the what are the Miami Dolphins getting in someone that has been through the next saving system with the 57th pick in the 2020 NFL draft the Los Angeles Rams select Van Jefferson wide receiver Florida what certainly seems like we have a ton of draft drinking out vodas getting annoyed with all the cheers in the background she's from Brentwood Tennessee started his career at Old Miss then transferred to Florida but by the way father Sean wide receiver for 13 years in the NFL with the 58th pick in the 2020 NFL draft now we never are here of a player having family connections to the NFL I always think the first thing is a sense of jealousy I'm not gonna lie it really is it's like fuck man you've got you're gonna have every opportunity given to you to make it and then my second thought is no you know what these guys have all worked their asses off their entire lives they deserve to be there on their own accord and my third thought is just how fucking cool is that a father and a son playing professional football in the same league there's not much there's not many things cooler than that in life I don't think now use the word call because you know a game any game of sport is is not everything but it is pretty cool and stories like this make it all the better the Minnesota Vikings select Ezra Cleveland tackle where's his tank well pretty much the opposite of the wide receiver it is an offensive lineman and it is Ezra Cleveland and I'm gonna tell you I'm gonna be honest man there's probably being there's probably been like four white guys in this whole entire first and second round like I'm just observing I'm just observing okay I'm not saying anything I'm just being honest significant as he just got the news the former Boise state left tackle started the last three seasons honestly jet from get drafted the New York Jets pick in the 2020 NFL draft the Jets like Denzel Mims wide receiver Baylor Baylor bear is finally off the board James Mims is gonna be the new target for Sam Darnell to throw to remember they lost Robbie Anderson their big play wide receiver in free agency again this is a guy who is fast at 4384 was third most among wide receiver Baltimore Ravens have traded the 60th pick to the New England Patriots with the 60th pick in the 2020 NFL draft the New England Patriots like Josh Uche linebacker Michigan so Josh Uche linebacker from Michigan is now off the board and if you think give them a hug dad give me a hug give me a pet on the back bro Patriot kind of pick as everybody is happy with the 61st pick in the 2020 NFL draft the Tennessee Titan select Christian Fulton defensive back LSU so Christian Fulton another member of that LSU secondary that has been so draftable over the years is now off the board now he had his issues at LSU he was slapped with a two-year ban at one point with the 62nd I'm gonna look that up two-year ban in college football and he makes the NFL he's 21 I know he had a year-long suspension 2020 NFL draft Christian Fulton uses suspension as motivation Fulton sits at number 43 in network draft analyst Daniel Jeremiah's ranking of the top 150 okay so he went like number 60 and he was ranked number 43 Fulton was called K baby by older teammates when he arrived in Baton Rouge okay so this is an interview with him about how he started Fulton received a two-year suspension from the NCAA for having someone else provide urine for a PED test sample Fulton said that he'd used marijuana two days prior thought he would be caught and then tried to tamper with the test he set out all of 2017 practicing with the team but was reinstated before the 2018 season okay so he played a full two seasons after that good shit brother is now off the board now he had his issues at LSU he was slapped with a two-year ban at one point with the 62nd pick in the 2020 NFL draft Green Day Packers select AJ Dillon running back Austin College well I think Aaron Rodgers will be okay with this pick ladies and gentlemen because he gets himself a skill position player and AJ Dillon skillfully rewrote the record okay it's this guy here I thought it was the guy standing up I was like I don't remember seeing him at Boston College he left the program there with career rushing I remember seeing this guy at the combine rushing yards oh my god 131 inch broad jump is that 10 10 feet 11 and a 41 inch vertical and I think you're in a 4-5 40 yard dash purpose yards rushing touchdowns and total touchdown the 63rd pick in the 2020 NFL draft the Kansas City Chiefs select Willie Gaye linebacker Mississippi State Willie Gaye all right so it is a linebacker Willie Gaye but has some off-field issues he was suspended eight games by the NCAA for academic violations uh nine other Mississippi State players were also suspended part of that academic violations let's see what that was Willie Gaye Jr suspension everyone loves a bit of gossip academic fraud it says there's been a lot made of Mississippi State linebacker Willie Gaye Jr's off-field issues including an eight game suspension for academic fraud and an alleged fight that injured the Bulldogs starting quarterback before a bowl game but the Chiefs were willing to look past those concerns in part because of Andy Reid's relationship with and faith in the recommendation of Gaye's former coach Dan Mullin and spent a second round pick on him Friday in the 2020 NFL draft and that's what we just saw any injured Mississippi State quarterback trader in practice in a fight before the music city bowl that according to multiple media reports the Seattle Seahawks have traded the 64th pick the Carolina Peters with the 64th pick in the 2020 NFL draft the Carolina Peters select Jeremy Chin defensive back Southern Illinois Jeremy Chin stand up Carbondale Illinois is on the board as Jeremy Chin is the highest Southern Illinois football player drafted since Harry Taylor went in the third round of the Seahawks in 1984 Mel this was one of your gems in this draft I was ready to hear some information on him all right guys that's that that's round number two in the next video we've got round number three I'm assuming they did round number two and three on the same day and then they do four five and six on the third day so we're going to continue to round number three following that we're going to listen to a little bit of analysis on what we've seen and then we'll continue to round number four so with that being said I hope you've enjoyed if you are hit the like button if you're not I really shouldn't give you that option if you like the video hit the like button if you want to see more please subscribe and with that being said guys I'll see you back here for round number three peace out


The main misconception that I've found being here in St. Lucia is the time that animation takes because people approach animators and they approach animation the same way they approach maybe videography or logo design or any of these other art forms and just recently I was having a conversation with some clients who wanted animation and I had to tell them animation is actually 10 times or more harder than videography I would say because of the amount of time it takes people expect you to they give you a video just like in our video you go out you shoot for maybe one two days and then maybe you spend two or three days maybe a week maximum editing and putting that together and before you know it you might have a 40 second or one minute or maybe two minute video animation is a whole different ballgame 30 seconds could take two months in animation depending on what you do especially working here where I don't necessarily have a large team to work with sometimes most of the times sometimes I do I do the animation by myself which is something that I'm trying to come out of but that's one of the main misconceptions the time it takes animation takes time so sometimes artists would come to you and maybe they have a song or sometimes they have a book that they write and they say I want an animation I want a bad piece of animation and they feel like you can give it to them by next week or two weeks completely unrealistic sometimes you have to give people two months in advance that's even before work starts so that's the main one I think that's the main one you know for me that's a main misconception and also by virtue of it being so difficult the cost of animation people will underestimate the cost of animation but there is a cost that comes with all the different aspects to animation there's a cost to your electricity bill because when your computer is constantly running and rendering images it requires a high level of computing power from a machine the investment in the machine that you make is very expensive for example the machine that I personally use it cost me about 18 000 to put is a machine that could do 3d animation comfortably and it's still not enough so that's one of the misconceptions the cost to animation well 3d in particular is because first and foremost the cost of computing that's one also because the 3d pipeline is so complex and so vast that you would have to contract or hire other artists to be able to do a production in animation so for example in 3d animation there is scripting there is sound design there is voicing then there is concepting and after you concept then you must do character development you must design characters these characters might be might have to be designed in 2d first then you must translate those 2d drawings into 3d models in a pipeline there is a 3d modeler that has to model that the same person who drew the characters is not necessarily the same person that's going to model them then after you model these characters you have to do other processes like texturing them putting materials on these characters that the type of cloth they wear the type of hair that's the whole job hair simulation there are artists who all they do is deal with hair then you have rigging where you have to put almost joints in these characters so that you can manipulate them and move them that's a job by itself and then you have animation where a character has to manipulate that puppet and bring life to it that's a job by itself then you have lighting and rendering artists that put lights that worry about backgrounds and how the look of the entire scene looks then you have post production artists and when you look at any credits in any movie you will see that the breakdown of all these different skillsets that come into a production so that's why it's so expensive because if you want high quality animation you would have to get individuals who specialize in certain aspects of the pipeline so that they can perform their best on certain aspects of the pipeline now you can't go ahead and do everything but that is still very difficult it takes a lot of time it takes a toll on you it takes a toll on your computer like i said your electricity bill takes a toll on your life because you would have to almost sacrifice almost every other thing when you're working on an animation production you'd almost have to be a bum for a couple of months so that's one thing so that's the only different factors just make animation very expensive


Hi guys, it's MJ and in this video. I want to talk about regulation and Regulation is something I really enjoy. It's quite a cool topic It is a little bit controversial because regulations have failed in the past and have created more problems than what they've been trying to fix But it is quite cool. I mean it is a biblical topic I mean right from the beginning of the Bible we have Adam and Eve God gives them a rule to follow When you have the 10 commandments and then you know the whole Bible Comes around regulation in some sense. So I like the fact that it is biblical. It's been here since the dawn of time But it is something that we're still messing up with we're still creating regulations that have terrible consequences and are creating market inefficiencies and Have some bad things. So That's also one exciting about regulation is that it is an area that is evolving It is constantly improving. So by studying this it is a way that you could add quite a lot of value to the markets So what I've done is I've looked at regulations and all that stuff And I've come up with something known as the regulation cycle and what it is It's six steps that I think Regulation goes through so what I want to do in this video is talk about this regulation cycle And then I'm going to make separate videos on trust law corporate governance listing authorities ethical issues And so forth, you know, so regulation is a very very big topic But like I said, it is one that is constantly changing. I mean if we just look at regulation, so if we need to say Someone they say well, what is regulation? It is a bit of an abstract concept. It's an abstract concept It forms part of management. So the whole point of regulation is it's some sort of management. I have forgotten how to spell Management that's quite awkward. Anyway, some sort of management It consists of a whole bunch of rules and you know, what to do what not to do It also has some sort of punishments And the whole thing is that regulation, you know tries to protect protect people Reduce financial crime all these various things what can be done to regulations? They can be changed They can be enforced You know, there's all these things that can be done to regulation anyway, I want to focus on this regulation cycle and Yeah, let's let's begin with that. Like I said, these videos are a lot of my opinion The stuff I'm specifically talking about might not be in the textbook.  That wouldn't be too much fun So yeah, just giving you guys that health warning. Anyway regulation cycle How I see it is that it starts with some sort of wrong So there is a wrong in the world and we are unhappy with the wrong and we want to turn this wrong around This wrong could be known as the aims of regulation some common wrongs are There's there's four main ones that we we see in the notes. They are You know reducing financial crime the markets being inefficient Markets lacking confidence and The final one is, you know, them being unfair or How we refer to it as, you know consumer protection So these are the four Main aims of regulation are trying to correct these wrongs But it's because of these wrongs that we have regulation You know, it's because we have sickness that we have doctors It's because we have people breaking the law that we have lawyers It's because we have risk that we have activities and it's because we have wrongs in the world that we have regulations so we have these wrongs and How we see fits to, you know Stopping these wrongs is we set up something known as a regime Regime, okay, my spelling is not on form today. Is that a spell regime? Okay, so you have these specific regimes now the regimes could be Just very simply the law of the land So the government it could be some sort of voluntary code Another type of regime could be self-regulation Another one could be statutory Regulation and I mean you could even get like a little bit of a hybrid of all of these things. I mean Law of the land will specifically be looking at trying to reduce crime Voluntary codes will try and remove inefficiency Self-regulations will try and focus on say, you know, the confidence and a statutory regulator will make sure that, you know Consumers are protected but having said that each one can do all four of them You could have a blend of it. Some rules could be law of the land some can be voluntary Some could be statutory some can be self so they're not their little closed-off boxes They are all kind of, you know joint in there together So after you have a wrong you set up a regime and what these regimes do is they set up things known as rules So that's the next step in our cycle is rules and if you see nice about my little regulation cycle I've tried to make everything start with the letter R except for wrong That's also like a silent W, but you'll see all of them have ours in it. So anyway, we've got a wrong We set up a regime the regime then sets up rules now the rules is an attempt to right a wrong So I mean for instance, it could be saying like, you know holding a reserve when it comes to an insurance company not being able to Pay its clients when the benefit falls due, you know, that was unfair So you can write that wrong by saying telling them to hold hold reserves The thing is not all rules are that straightforward, you know, they some of them can be quite vague and confusing For instance, you know, what how much reserve should you hold? You know what percentage what minimum amount because you could say, oh, every insurance company needs to hold a hundred million Rad and reserves and yes, that's great That will that will really protect consumers if every insurance company had such a massive reserve But then a rule like that is known as to be quite rigid quite constrictive It could be like a little bit of a barrier to entry into the market because now only the rich can sell insurance Now they can charge higher bounce because now they formed some sort of monopoly You know, so you want to make sure that your rules aren't too rigid that they stuff all Innovation and all these type of things now the thing with rules is they do need to be constantly updated Because people keep finding loopholes specifically in finance tax insurance all these type of things when you have a lot of money And a lot of smart people and a very vague or weirdly confused Stated rule you're gonna find a loophole these guys. This is their day job. They will find a loophole They will exploit it. So rules do need to be constantly updated They need to be updated with say new technology and technology can now You know, cause certain rules to be void or say hey can help the market or something like that But one thing I do hate a lot about regulation is that instead of a saying, okay guys Let's scrap that rule and let's restart. They say, okay, let's just make an amendment to that rule Let's just add a rule on top of a rule on top of a rule We're too quick to add rules and we're too slow to remove rules and that's why when you look at accountants They have these massive massive tax textbooks that just contain all their rules and policies and what you can't do And people have to dedicate their lives to understanding the rule book and that's not fun So that is one of the weaknesses or one of the things I don't like about Regulation Let me just Remove this over here so that we do have enough space For our little cycle. So yeah, that is the rules of regulations Now once a rule has been set in there will be a response So they will be told. Okay, the regulation is that you need to hold reserves Companies or individuals who ever that rule applies to will respond to the rule They will either say, okay, that's great. Let's set up reserves. They will take action to respond to the rule You know, that's kind of like the right thing to do So when we see a response to a rule there should be some sort of you know change in behavior Change in behavior. They're gonna start doing new things. They're gonna stop doing bad old things You know, the whole idea is to do the right thing However, sometimes a company might disagree. They might say holding reserves or that amount of reserves is not actually the right thing to do They might disagree with the rules They might say stuff that we're not gonna do it You know, and it can be quite a lot of tension between the corporations and the regulatory authorities This one makes self-regulation quite quite an interesting one is that these guys understand the business the best however self-regulation You know, then you have to start asking questions. Well, how independent are they and I can get quite quite complicated But the idea is that there's after you set up a rule There's a response you either change your behavior and you do the right thing Whatever that is big philosophical discussion you can have there or you say stuff it I'm gonna stay to my same ways But what regulation does require is that after there has been this response there does need to be a report and A lot of people who start off with actuarial science and go into the working world This is where you're probably gonna start off is in one of the most boringest things you'll ever do is building reports. So what you do is you now need to report or You know create some sort of evidence some sort of audit trail that you have been doing the right thing So a report is something like an audit trail It's evidence It's documentation. It's very good. It's very good to create reports, but they're very boring to do and yeah, they normally give it to the junior staff to do it and Management will then look at the reports Conclusions or they will look at the the report and then draw conclusions or decide what to do But regulators will require some sort of report filling in your tax returns. That's a sort of report Filling out certain things. It's a report. It's big documentations very important and it is quite a boring thing to do but something interesting happens with reporting and response and Remember that whole saying two wrongs don't make a right well Some people actually disagree with that in the sense that What you can do is you can do the wrong thing So you do the wrong thing. So you say I'm not gonna hold a reserve But then you lie and you say that you have done the right thing and then what that does is you will pass the regulation So the regulation says you need to hold Capital and reserve and you need to report on it Some people will hold capital reserve, but fail to report it. They'll get punished people who don't hold a report But then lie and say that they do might pass certain regulations and that's why regulations now becomes a little bit tricky Because of this whole deal of trust, you know, people can lie. They can be dishonest How do they get around that? They need enough sending auditors or have their own Their own task force to go and check it in Holding a reserve is quite a simple one when regulations or rules start becoming more complicated the policing around them also becomes more complicated I mean, we have seen spectacular cases in the past specifically, you know companies like Enron who have done the wrong thing then lied on their reports or lied on their financial statements and You know bypassed regulation and even bypassed auditors for so long But in a perfect world everyone responds. They do their reporting. Everything's great They're supposed to say in their report if they didn't hold enough Reserves or they did or they didn't or what they failed to do and all that stuff. We do expect people to be honest in reporting Hopefully they are but the idea is that after they've then had their report So if they would then report say no, we didn't hold enough reserves or we did The regulatory body would have some sort of reaction Okay, this is the final step in my cycle.  I don't think there's many awards for oh, you made the best report Although they might be sometimes a reward for the safest bank or the bank that holds the most capital the insurance company But I haven't really seen too much of that they should because it'd be quite a nice marketing ploy But normally there's there's nothing nothing happens if you do the right thing But if you do the wrong thing then that's where a lot of the reaction comes in and they need this reaction because they don't enforce it If there's no punishment or something for for disobeying the regulation then the regulation is pointless so they will have some sort of Punishment just like like I said it was it is biblical, you know The rule was don't eat that apple or that fruit thing Adam and Eve go and eat the fruit thing and God punishes them by kicking them out of the beautiful garden you know, there was there was a punishment or the the rule was enforced and The punishment can be in the force of that they banned like Adam and Eve. They were banned from the garden They could be imposed today. We issue a fine Adam and Eve didn't have money. So they couldn't pay God a fine Or there could be imprisoned You know, God loves Adam and Eve.  He just banned them from the Paradise Garden I mean banning. I think it's the best thing to do, you know, if someone's not gonna hold reserves for Insurance companies or you know, they're not gonna be doing that I think the best thing to do is just ban them. Say, hey, you're you can't do it You know, it worked for God. It worked pretty well. Just ban people say you can no longer do this action Finding is it's a bit of it.  I'll just pay that fine one million rend or You do something minor like you, you know You forget to crush your teas on the report and then they find you a million rend and you like whoa, whoa, whoa That's kind of crazy. So I mean when it comes to the fine, you know, how Big does the punishment have to be how bad is the fine? A lot of times they will impose a massive fine that the media will catch up on but then if you follow the story They settle for a much smaller amount. So fines are yeah, I don't I don't really like fines and Imprisonment, I think that's completely extreme. I don't like prisons at all I think society needs to find a better way to punish people putting someone in prison is a very Inhumane thing to do but anyway, I'm going on to a whole sociological Aspect, let's keep this up on finance. So I think that's bad to imprison someone just for any crime You know, we have to find out some better solution. But anyway, specifically for you know, not holding reserves and you get sent to prison That's yeah, that's that's terrible finding what amount should be put in You know, there's that whole big question there and it might be too small and then it's not really worth it I mean, it's not too if it's too small, there's not that much of a deterrent if it's too big You know, they don't not can be able to pay it. So I think the best one is just to ban people just you know If you're not gonna hold real reserves, you can't sell insurance you revoke your insurance license I think plain and simple. So if a company makes a mistake, they lose their license tough luck those directors get blacklisted they can never be on another insurance company and Then you're hurting them. They're not gonna be able to make money in the future Then they're gonna be like, okay guys, let's take this regulation seriously compared to say just paying a fine Or having a scapegoat that they then seem to prison like the poor secretary or something like that No, I'm joking. Anyway, so now how does the cycle complete itself? The idea is that if people are boycotting Certain things or something like that. Then the reaction would be either. Okay. Let's either change the rules You know, let's make the rules better. Let's add some more rules Let's maybe change the regime. Let's maybe step it up from a self regulatory body to a statutory regular body All the reaction might find out that there's another crime that people are doing So this is where the the cycle comes in But the idea is that hopefully we have identified all of the wrongs the regime can change You know, and I think it's good. I think the most important thing when it comes to to regulations is something like flexibility Flexibility again, I'm not spelling things correctly today flexibility is very very important and I think specifically around technology improvements So we are going through a bit of a tech revolution a really awesome technology is something known as the blockchain and What makes the blockchain so awesome is that it removes the dependency on trust So before people we had to just trust that people were doing the right thing Blockchain is a way to remove trust. It's worked very well with, you know concepts like Bitcoin and other cryptocurrencies But I think blockchain can add a lot of advantages in administrative roles specifically around regulations. It can streamline everything Regulatory bodies need to therefore be flexible. They need to have an open mind They need to consider this technology and see how it can improve the whole situation Because that's the whole thing is that there's costs everywhere setting up a regime cost money You know, they have to have board meetings have to file documents have to pay people Administrative costs then setting up rules. They can start full innovation, which is a massive cost to society They can do this they can do that people have to read them people have to study dedicate their lives to it It's time. So there are lots and lots of costs then creating Reports or changing your behavior might require more funding Reports you have to hire all these junior act trees or junior accountants to Compile all these reports. That's their salaries that cost things then to go and punish them or to make sure that they actually did the trust Employing more people and there's just more and more and more and more cost cost cost cost cost cost cost That's what makes blockchain so cool is that it can streamline this process can reduce costs and can make society In a put it in just in a better place overall. So I think regulation is an exciting topic I don't want to go too much into the specific Specifics because that's when it gets very boring. It gets very boggy. It gets very vague It gets all weird and it's probably gonna change tomorrow Also, each country has probably a different set of regulations and rules each states in America has different rules and regulations So it does get really confusing if you want to try and go into the specifics But if you have a big overview like what I'm trying to show you here with this regulation cycle We can now apply this to the various Principles and you know investment management and the securities industry and we can see what is the best way to do regulation Because at the end of the day, I mean We do when you right these wrongs and regulation is a way to do it so there we go, I hope you guys enjoyed this video and Apologies for the spelling But I will see you guys next time with some more videos around regulation


Hi, I'm Kate, and this is Bite Size Book Review. Today I will be reviewing Red, White, and Royal Blue by Casey McQuiston. This book is a contemporary romance. It follows first son of the United States, Alex Claremont Diaz, as he causes a bit of a kerfuffle at the Royal Wedding in England with his rival, Prince Henry. He and Prince Henry have to do damage control and pretend to be best friends in order to save face and inadvertently they end up getting to know each other better, becoming friends and maybe more. Interwoven with that plotline is the reelection campaign of Alex's mother, the first female president of the United States. What I liked about this book was the tone. It is earnest, it is joyful, it is hopeful about the future and about the political process in a way that I think really speaks to modern readers. It's very much the yes we can that will plant a seed of hope in your heart. I also really love the characters. The main two characters of Alex and Henry are fantastic. Alex is flawed but passionate and good at heart, even though he sort of ends up being kind of annoying. You sort of can't help but actually love him because you see into his head about where all of his qualities are coming from. His passion and his earnestness frequently bite him in the ass, but ultimately they are good qualities and you can't really help but sympathize and love him. Henry, our love interest is everything you could ever want in a love interest. He is sexy, he is funny, he is cute, he's smart, he's kind, he's fantastic. His flaws are more about the context and circumstances of being the Prince of England. He has a crazy family. He has a lot of pressure and a lot of weight on his shoulders about his situation. Ultimately he is just like a shining light of joy and beauty on the page and you fall in love with him just as much as Alex does. All of the supporting characters in this book are also interesting, multifaceted, compelling and most importantly, fun. And of course I also loved the romance. Shocker, Alex and Henry fall in love. It's a romance, what do you expect? But it's in the details and those details just really shine through. The kisses, the lingering glances, the tension. It all just gives you all of the butterfly feelings that you wanna have when you're reading a romance novel and you're just excited for their emotions for each other. What I didn't like about this book is that the first time I read it I found it a little bit hard to invest fully in the romance plot because I was frequently so worried about the reelection campaign plot. It was so much of a part of the story and so integral to the romance plot in the end that I got stressed. The political intrigue was intense. However, upon rereading, I found it much easier to invest in the story, in the characters, in the romance specifically. It was much easier once I already knew what was going to happen to really just let myself feel all the feelings and just get really deep into the story. I give red, white and royal blue five out of five stars and I would recommend it to literally everybody. And I think it's worth a try even if it's not your usual kind of book. That's all I've got for you today. Hope you're having a great day and I'll see you next time.


Item number SCP-620, Object Class, Safe Special Containment Procedures SCP-620 is not considered a direct hazard as such. Its containment procedures exist to create an environment where researchers can study its effects without being exposed to them. SCP-620 is to be mounted to a large two-way mirror, separating an observation area from the testing area. It is to be attached to the mirror by suction cup mounts. In the event of suction cup failure, the testing area must be evacuated until SCP-620 can be remounted. Research personnel may remount the object, as brief exposure is not considered dangerous. SCP-620 is currently connected directly to Site-1's power supply, following incident SCP-620. Any signs of wires needing repair must be reported to Site-1 maintenance staff immediately. Description SCP-620 is an analog clock of unknown makin' model. It bears no markings indicating a manufacturer or place of origin. Its face is styled after the yellow smiley face design. When SCP-620 is powered, all subjects observing its face experience perceived time acceleration. Constant observation is not required. Occasional glances will induce the perceived acceleration as quickly as constant observation. Upon the conclusion of a testing session, test subjects were asked to gauge how much time they thought they had spent testing. All under-reported time spent testing by a factor proportional to time spent exposed to SCP-620. Subjects exposed to SCP-620 for under 5 minutes were no less accurate at measuring time than a control group. However, as exposure length increases, inaccuracy rises proportionally. Most subjects experience its effects to be pleasurable. As of incident SCP-620, indiscriminate exposure to the object is no longer permitted, and the object has thus been relocated to a specialized research area. The perceived time acceleration only persists as long as the object remains functional. If SCP-620 loses power, or its hands cease movement for any reason, all subjects exposed to it will experience time dilation in equal proportion to the time acceleration perceived when it is functional. All subjects, especially those previously perceiving time acceleration, find the time dilation uncomfortable, and after prolonged exposure, it becomes unbearable for most test subjects. SCP-620 consumes battery charge at varying and unpredictable levels, causing it to lose power with little warning. As such, SCP-620 currently draws power directly from Sightman's power supply. And exposure to the object in either state is unsafe. After 24 continuous hours of exposure, subjects have, in the past, begun to reject food regardless of hunger, frequently stating that they just ate, regardless of how much actual time has passed since the subject has eaten. Subjects become overconfident in their recollection, claiming to remember things as if they were yesterday, but with no measurable increase in recall. Subjects who become aware of how quickly they perceive time to be passing have been chronically depressed, believing their death to be imminent. Subjects exposed to a stopped face for prolonged periods quickly become extremely bored, often pleading with researchers through the mirror for the test to end. It is important to remember that SCP-620 has no effect whatsoever on the actual flow of time, as far as foundation equipment can detect. The acceleration and dilation are completely psychosomatic. Subjects who do not know what an analog clock is or how to read one are unaffected by SCP-620. Lesson complete. If you missed the previous orientation, go watch SCP-619, Lucky Jeans, right now. Or for the complete course, watch this playlist.


In this session we're going to be discussing multi-factor authentication which we'll often refer to as MFA during the course of this video. Multi-factor authentication is one of the best things that you can do to ensure the identity of your users. It basically offers an additional layer of security in addition to the username and password that a user would use when logging into their Office 365 account. There are a few different ways to enable multi-factor authentication. We're going to be discussing three of those and we're also going to show you how what the end-user experience would be once multi-factor authentication is enabled for their account. So let's get to it.


Ukrainian army encircling Russians in Bakhmut after Wagner victory. Ukrainian troops were able to semi-encircle the city of Bakhmut and fight Russian forces in the area according to Hanamalia, the Ukrainian Deputy Defense Minister. The enemy failed to surround Bakhmut and they lost part of the dominant heights around the city. This means that the advance of our troops in the suburbs, along the flanks, which is still ongoing, makes it very difficult for the enemy to stay in Bakhmut. Our troops took the city in a semi-encirclement which gives us the opportunity to destroy the enemy. Therefore, the enemy, Russia, has to defend itself in the part of the city it controls. Malia wrote on Telegram. The Deputy Defense Minister added in her post that Ukrainian troops still have control over industrial and infrastructure facilities and the private sector in the Litak area in Bakhmut. Malia's remarks came a day after the Wagner group, a private paramilitary unit claimed victory in Bakhmut with the group's founder Yevgeny Prigozin saying that the city was fully taken by Russian forces. The Russian Defense Ministry also backed the claim stating that the offensive actions of the Wagner forces and the Russian troops had completed the capture of the city. Even Russian President Vladimir Putin congratulated the assault units of the Wagner as well as all servicemen of units of the Russian armed forces who provided them with the necessary support and flank cover on the completion of the operation to liberate the Bakhmut. But Colonel General Oleksandr Syrskiy, commander of the Ground Forces of the Armed Forces of Ukraine, has said that the army units continued to advance along the flanks in the suburbs of Bakhmut. Despite the fact that we now control a small part of Bakhmut, the importance of its defense does not lose its relevance. This provides us with opportunities to enter the city in case of a change of circumstances and this will certainly happen. We continue to advance along the flanks in the suburbs of Bakhmut and are actually closed to tactically encircling the city. Thanks to this, we will be able to control all multi-storey buildings occupied by the enemy and gradually destroy them. This deprives the enemy of control over the approaches to the city and gives us certain tactical advantages. Syrskiy added, Syrskiy said that he and the commanders thoroughly analyzed actions of Ukrainian forces as well as the order of killing hostile troops and that the situation is difficult but under control.


To other news now, the Synagogue Church of all nations says the funeral of its late founder, Temitope Joshua, popularly called TB Joshua, will continue. A fire at the church had earlier cast doubts on the funeral taking place. The fire gutted a storehouse late last night as a congregation gathered for a candle procession in honor of TB Joshua. There would be a lame state of the preacher on July 8th and a thanksgiving service on July 11th.


it's a very very nasty car if it's done right a little bit of wall tap part entry what's up everybody and welcome back for part two here of the viper build the very expensive viper build at that so if you know we are still kind of broke we haven't been using it much been working on some other stuff but we did put some new parts in this we put a pro intake we took the front bumper off we put a aftermarket diff in there are uh in it yeah an aftermarket diff in the rear and we also put a aftermarket turbo on here so that's all we changed we didn't change settings or anything like that we just put some diffs on there and stuff like that so i feel like we should be able to take this out and rip this thing a little more we're not doing a livery on it yet i do like it without a front bumper though so we're going to go hit some tandems because we didn't really do tandems last time so we're going to take this car into tandems it looks like we got tokyo drift long beach we're going to head there we're going to take this section first out with this car and see what we can do we're at 820 horsepower we are on pro tires import class it looks like we're going against a nice s15 so let's see what we can do now that we have a new diff in the rear and a little more power there we go that initiates in a lot smoother how did that did that say i hit the wall i think it did say i hit the wall unfortunately well now we're gonna have to finish this run off i don't think i clipped the wall but apparently the game said i did so unfortunately there goes our clean lead but we're going to be able to make it a decent run nonetheless third gear on this thing definitely needs to adjust the final drive so when i get a bigger rear diff and everything like that would have been like closer to those walls every time i say i want to the bump kind of mess with me every time i say i want to be closer to walls end up smacking into them and you guys noticed it well i want to be close to the walls rather crashes which is how it is that he timed out so we did be able to take the win so we're gonna try it again we're gonna try not to clip the front of our car on the wall this viper is definitely becoming more and more of a threat it's a very very nasty car if it's done right a little bit of wall tap part entry there we go much much nicer we're bringing it out there bringing out some wall rides there trying to get as many of the close call points as we can this is a much better run as long as we can keep it going we missed that and we missed those two clips but i got a little scared when i clipped that wall i was worried i was going to lose all my points we were able to finish this run off not the best because we missed two clips but still a very solid run in soak give your section this car is definitely throwing down now with the more we've added to it that wall tab though so 100 to 50 i have a feeling we're going to take the win on this unless we totally biff our chase but this car does have a lot of grip and a lot of power he's doing a quick flick entry so we're going to try and mimic him that oh and there's probably what caused his run to go south once you have an impact like that it's really hard to get back into it and you kind of throw it off your game so i've been there many times before so we're going to try and uh somewhat keep a chase not an inactive chase so i know you guys did see the tease that torque drift through on instagram and i know everybody's super excited for the updates to come out you guys know the update will be coming to the channel and we're going to be having some fun you guys have no idea what i'm talking make sure you guys go check out torque drifts instagram and see the little teaser if you guys know what it is then let me know down the comments i know a lot of people have been commenting on it so i want to see what you guys think fully about it and how you excited you are i'm definitely excited about it so we're going to give this man one more try here and then we're going to try another track in the viper oh no i did not give him another try i kind of just left fail so we got big m we got reticle nine and we got the needle we're going to go to the slab i haven't been in the slab in a while i wonder how this viper is going to be able to handle the slab it does look pretty mean without a front bumper so looks like we're going against george k's 370 so the viper definitely a fun machine and a fun car and it definitely takes some finesse to get it to work exactly right throwing that hard angle in i need to be probably being fourth because we missed all of those and i was just over revving so this car i'm going to have to do some gear changing down to third to this section oh keep it keep it keep it we didn't hit the wall hard enough so yeah i should have been in fourth on that entry so unfortunately we topped out our gear ratio it should have been in fourth instead of third you guys know what i'm doing a lot more shifting now what i'm drifting changing up a little bit using more of the gears rather than just staying in one gear trying to utilize the car's power band a little bit more and he said no so we're gonna try that again here we're gonna go into fourth we're gonna initiate in fourth try to hang out in fourth gear through the big sweeper then downshift into third when we get into the intersection of the track going against just in in a white 180 747 horsepower starting second which is not a not a big gear change popping in the third going to fourth kicking in in fourth gear there we go yep now we have the power to reach all the way out i would have liked to reach a little bit further out but can break that downshift it try and get out here to these clips so i'm definitely getting more and more comfortable in this viper more and more i drive it clutch kick tap to keep the car at angle just something i don't do much you guys know if you guys have been for the channel clutch kick too much on torque trips clutch kick a lot in other games but not so much on torque drift but we're able to bang a solid run in this viper a quick transition that long e-brake crab would have liked to have been closer to the wall but every time i say that we wreck definitely gonna have to be throwing a livery on this car get a little more power on this car it looks like we have a 70 000 lead to chase down so hopefully we'll be able to throw it in there side pipes just pop it off and he said no well he doesn't want to tandem with us so i wanted to tandem today but apparently how many people want to tandem right now so i think the tracks probably changed up a little bit because the gold one disappeared oh it's still there let's try another one at tokyo drift so make sure you follow me on instagram and twitter all of which are found in the description box below if you guys like what you want to see more you should tap that like button and subscribe i do appreciate all the support i appreciate all the comments you guys coming back for these torque drift episodes as well as all the other content that is coming to the channel money gang let's go money gang let's see what you got for the viper in torch case 370 and third quick click once again another wall tap entry kind of got the wall tap entry is down with this viper kind of overshot there we managed to save that on the tap on those jersey barriers i don't know how we didn't lose it not the smoothest line at the moment kind of got thrown off a little bit trying to get back online there we go throw it out there once as wide as possible manage that jump kick it back bottoming the heck out of this viper this car is bottoming out a lot but if you've seen the first episode part one this is part two you guys can see there's definitely a bit of change in how i've been driving this car and definitely handling a lot better and he said no i just can't get some tandems today i just nobody wants to throw down apparently everybody keeps wrecking or doesn't want to that they're scared of the viper i mean i'd be scared of the viper too but you know i used to see uh dean carney's viper and be like nope i don't want to do that so let's go to haven't done the big m in a while so let's try the big m track before we end this episode off here today for part two of the viper build the expensive drift build probably the most expensive drift build i've done so far here on the channel who are we gonna go against today it's jason fox in a viper so we got a little viper showdown he's got a little more power than me so we're gonna see maybe we'll be able to have a decent viper on viper battle i entered that a little bit late big m not one of my best tracks to drive on apparently i probably should have been in fourth gear somehow managed to come around that somewhat clean not the best run at all definitely probably got best in the lead ah really it's a pretty close battle so probably gonna have to do fourth gear first and then go into third for the other parts of the track initiated in fourth try probably staying fourth for both sparking both viper sparking our way down this track quick quick transition gotta suck up on the door a little bit too much but nonetheless a decent chase i think that still should be enough to hopefully take the w it was 59 to 47 we're gonna go one more time against him we're gonna go fourth gear and try and get a better lead this fourth gear seems to work for the car here on the big m track shade in we're gonna miss that one but it's okay got more than last time and that is not what we needed to do oh that is a tough break i thought we were doing good but that was a tough tough run so we're gonna have to hopefully rerun that definitely gonna get bested on that one yet so we're gonna rerun that if he lets me there we go so this will be the last one here for today's episode make sure you guys follow me on instagram and twitter all which are found in the description box below let me know what you guys think about torque drift tees if you haven't seen the tees you should go check out their instagram and see the tees for the update dropping this week all right that's much better now bring this out really wide okay i'm happy with that much better run than last time managed to get almost everything clipped except the one that we're pretty slow on 52 to 58 he bested me so we may take a loss here to this viper on this last run here but i'm not going to be sad the viper is definitely handling very well and i'm very excited with how the car has progressed in just these two little episodes so there's more to come with this viper build more power more parts more paint more tandems and i'm gonna try my hardest to best his chase run and maybe take the win that's a very solid chase could have been a lot closer but i think we may have taken that in the chase we did take it just barely in the chase and he said no so if you guys want to see more of the viper build make sure you comment down below as always thank you guys for coming back and watching i'm evil rabbit i'll see you guys on the track