Because when I was dealing with his dad, his dad was a liar, right?  And I remember saying that one day, right? Listen, this is real. I'm keeping it real, real. I remember saying it one day, and I was like, something like in my consciousness, like, well, you was a liar, too. And I sat back, and I was like, yeah, you know. All right, let me approach this situation a little bit different. Listen, it's the message right here. Black boy, tell me how you really feel. Because I just want to build with you.  I want to keep it real with you. I want to live better, eat better. I want to love better, sleep better. Yeah, I want to feel so aligned. I would say he's not wrong. I'm raising a son, right? And he's in the 14-year-old. I'm dating, you know, not dating, but like looking, you know? And but he has straight A's, right? He is in band, and he is in football, OK? He's on the, what's that little society thingy where they plan all the events for the school? What is that? School board. But, oh, no. Student council, right? So we got, and when he tested for like his classes for high school, he is a ninth grader that's going to be in, you know, algebra two honors going straight in. Like, even now, to me, he has enough accolades to where he's like, you don't just pick anybody in high school at this point. Now you don't just date any female. And I told him that. So he was dating one that was, you know, not to my liking. In my mind, she's not to his caliber, right? And I let him date her. And she did the little ratchet stuff that he said. And now he knows. He was like, mommy, he was right about her. You know, thank you for letting me go through the process. But I'll never do that again, right? And so I'm teaching my son that. I can't say that a man finally developing himself and saying, hey, I don't have to put up with that. It's wrong. He's telling the truth. He doesn't have to put up with that. You have a standard. You set a standard for yourself and you don't want to deal with that. So I think I agree. I'm raising somebody to think that way. So I can't say that it's wrong. So let me hit you with this. And now he got a job. Two weeks 14 and got a job. I was like, yeah, like you can't just come at my son any kind of way. So let me hit you with this. I don't know if it's something you've considered. So I did a conversation with Dr. T. S. Johnson. Shout out to him. OK. And we talked about the concept of son husbands and husband sons, right? And a son husband, essentially, and I'm not anywhere as smart as him. So I'm just going to paraphrase. OK. A son husband, essentially, is a son who is tethered to his mother in a way where, in a way that a husband should, or in a way that a companion, exactly. The weird stuff. She's, it's not even so weird on a surface. It's more so like he's performing the emotional labor of a husband. It is weird, though, because he's supposed to be emotional for it when he does meet a woman, and he's supposed to be emotional for his wife. He parties with his mother. So here's the thing. And you see that happen a lot in our community. And one of the side effects is that you have boys, for instance. They turn 18, they turn 20.  And sometimes those marriages don't work out. But when you start investigating it, he got married at 18, 20, because since he was 10, he's been a husband. Right. And he didn't know what to do when he was 20. Exactly. So it's only natural for him, because at the age of 10 years old, he became a 30-year-old woman's perfect man. Right. But then when he turns 20, you know what I'm saying? And he runs into a 20-year-old woman. He doesn't know how to relate to her, because he's the perfect man for a 40-year-old woman. Right. Well, yeah, that's true. And those dynamics don't work out. So one of the critiques that men have is that women sometimes are women, sometimes raise men, that they wouldn't even date. So my question to you is, based on how you're raising your son, is he somebody at 14, 14-year-old you would have been interested in? Yeah. I mean, because I give him the freedom to still be his self. And like I said, make his own choices. She wasn't the first girl. You know what I'm saying? I just try to put him up on game about how women think too. Like when a woman is using you or when you're, she's not necessarily interested, but still take the gifts and stuff like that, I just want him to be well-rounded so he doesn't get super played and damaged. Because men are not honest. Y'all get your feelings heard really bad. And real bad. Real bad, OK? And you will hold on to like getting dumped in the fifth grade for the rest of your life if you really idolize that person that you, right? Never again. But you will say that women are damaged, and we hold on to stuff, but really you're living your life after getting dumped in the fifth grade and now you trust nobody. You see what I'm saying? So I just want to make sure that he's able to process those feelings. Like when she did what she did, he was like, I'm mad. Like in real life. Like I'm hot. You know what I'm saying? But I'm going to get through this. When she first kind of like was acting funny, you know, he was like in the bed for like a couple of days. And I was like, bruh, you got to get up.   Get out your feelings. So. Do you think you can relay that message as well as a man might be able to, to him? Hell no, I was trying. You know what I'm saying? No, no, no, I can't. I can't. It's hard, you know what I'm saying? Because he does need, he needs to hear from a man. Like he needs to be like, yeah, bruh, don't, don't be in the bed for 12. We can speak to that. Or verse, you're speaking from the outside, looking in. Like it's. That's why he was still like texting her and still talking to her. But he don't get it. He don't get it. He's like, he don't know what he's talking about. Stay over there. You feel me? And then he was like, hey, she didn't really know what she was talking about because she did exactly what I said to a T. And that's because I could read her as being a woman myself, right? So. So how are you making up that difference? Like how are you making sure? Outside of like, you say he's in football, right? How are you making sure like he's really getting the, because I don't think, I actually do not believe the son has been phenomenon. I don't think it's intentional. It is not. I think it's just a result of, you know, it's been me and my mom since the beginning, or it's been me and my sons since the beginning. So how do we intentionally move in the other way? Because the results are terrible. Right. They're very terrible, right? So I think that women need to tell the truth to their, their sons. You know what I'm saying? There was one point where I was like, I've never talked about it about his dad to him.  I said, but I don't ever want you to hate your dad or anything like that. I was like, because obviously there was something about your dad that I liked. You feel me? I was like, I just want you to embrace the good parts of your father. I think the son, I mean the husband, son, husband thing happens because women don't communicate to their child the good parts of the father.  This is how I feel. Yeah, I'm mad at my dad, but he's great over here. So I'm gonna take that like they, we don't, and I'm not gonna say we because women don't do that. You know, we always end up like, your dad was never here. How could you care what he's doing?  And then of course they pick our side and now we're there everything, but we shouldn't be there everything. That's not fair to that human because he has a free will and we took it from them. Okay, so. And then we put ourselves too as like the best parent ever. Like I've seen women not ever be transparent with their kid to like who they really were in that situation or who they really were before they got a kid. You know what I'm saying? So I'll tell you a little story. When he was five, yeah, he was five. He started lying a lot. You know what I'm saying? Like just lying about everything. I'm like, Elijah, did you get that snack or the thing he was like, no, but the thing is in the trash can you feel me? One day I heard him going into the cabinet and I'm standing right there. And he didn't realize I was right behind him. I was like, what are you doing in the cabinet? He's like, I ain't in the cabinet. That's five, right? So, so in my mind, because when I was dealing with his dad his dad was a liar, right?  And I remember saying that one day, right? Listen, this is real. I'm keeping it real, real. I was, I remember saying it one day and I was like something like in my consciousness.  And I was like, I sat back and I was like, yeah, you know. All right, let me approach this situation a little bit different.  You feel me? So a lot of women don't do that though.   So I have a one year old daughter. Do you? Congratulations. Thank you, but I'm terrified. You should be. How, give me the game. How do I, and you know, the men watching, raise, because I think for men, the spectrum of if you're a good dad or a good girl dad is like, on one end she gets married and has children and makes you proud and is, her name is clean in the streets. On the other hand, it's like prostitute stripper. So how do you move the needle as a man closer to a daughter whose married name is good in the streets and avoid or help her avoid the pitfalls of how our current culture is glamorizing only fans and Instagram modeling and stripping, like in all that good stuff that leads women into a path of destruction. All right, so I always say like step one, maybe, you know, if that's what you wanna call it. Step one would be increasing the validation but here, and here's what I'm gonna say, but don't be unrealistic with her. You have to be like, you know, my love, you are beautiful, you're great, you do this great, but this may not be for you. And so you teach her balance because I think great dads ruin women too, right? Sometimes the dad is so great that you make her expectations so high that no man will ever reach them, right?   Right, okay, so that she doesn't go down that path, you're gonna have to be as transparent as possible and then build a great co-parenting dynamic where the both of you guys are working towards that together.  I see some trending here. My dad showed me about this. This isn't for me. I just don't think that we create that healthy balance within our kids because we want to be the greatest in their eye, we wanna be their superhero and then we don't look human. And because the pressure of like living up to your you know, superhero status weighs on that person, they can either go one way, they can be like the perfect person and get married and pretend to be happy, right? So they're gonna be pretending at some point or they're like way out there and YOLO has surpassed them, they just know whatever with whomever. So you have to like be transparent, give them the room to say, okay, so you're saying that women that do this are not the type of women I need to be, but all my friends are getting attention here. Why is that? And you're gonna have to give them the history so that they can just start like, okay. All right, so people picking them has nothing to do with me. It's just that they haven't been taught better. You see what I'm saying? Like we just don't, we really haven't been, none of us have been taught properly because there's this thing too where if you're in a relationship and it's healthy, you guys shouldn't be arguing and fighting and that's toxic, but that's not true because there's a part in a relationship where communication gets so bad that you really can't stand the person that's sitting next to you, right? And it's called the power struggle.


Oh, excellent! Oh, green! And one! Van Bochon Luka! Hello guys, welcome to NBA 2K Sundays. I'm here today with Mats Hummels. Hey, Mats, how are you doing? Hi, I'm doing good. Staying at home, as you see. But doing good these days. How have you been doing these days? What have you been up to? Not much, to be honest. I'm at home most of the time, like we are told to do. So, just do that. I go out not more than once a day. Sometimes, not even that. I play a lot. So, I hope I can keep up with you then. I think it's the same with you, right? Yeah, we just... Here in Madrid we cannot even leave the house. So, I'm already two weeks without leaving. Oh, yeah. But then you must be good. No, I'm playing my career mostly. So, with one guy I'll be good, with the other one I'll be a bit less. So, let's see what all the team if I can. I just got one guy then, that's fine. Yeah, let's see how I do it. So, Matt, how did you become a basketball fan? Why did you like NBA? I became a true jerk, of course. I don't know, in the early 2000s, I was looking at the video text, at the TV, how they played each night, but then we could watch the games. I'm just a big fan of Nowitzki, of course. But then I became a fan of the Mavericks and the whole NBA. And I'm really, really, really watching a lot. So, there's a lot missing right now. Yeah. For me, but I just love to play it myself when I have the chance or to watch it. It's just great. What about you? Which Belgian player did you make a basketball fan? Not really a Belgian player. What was most for me was the time from Lakers with Kobe and Shaquille O'Neal. That was like the first impression I had from NBA. And since then, I always loved it. But I have to say, the last four or five years, I've been watching it more and more. And now I'm really addicted to NBA. I go often to games if I can go. And Christmas, I was in Miami for a few games. So, yeah, really nice. I love it. So, I'm missing it a lot at the moment. And I hope all sports can be back soon to their level. When it is everything back to normal. That's a good thing. So, Matt, you choose the Mavs, your big Mavs fan? I'm a big, big Mavs fan. Really, really die-hard Mavs fan since, I don't know, 15 years. I like them as well now with Luca Donzic. Of course, he played for your club. Novitki was my inspiration. Not a big surprise. Now there's another German with Cleaver. Oh, yeah, of course. Yeah, you will see he will defend you good now. He's a great defender. Tony is also a big Mavs fan. Yeah? Yeah. I'm really curious how this is going on. Yeah, me too. We'll be good German, I hope. Good luck. Good luck to you, man. We can start, no? I think we can start. I wanted you to have the ball. Be decided in the backcourt with guys about your size, Kevin. No, wait a minute. Now here's what's up. Oh, yeah. He shakes off the strong D and gets the bucket for two. Boy, the added work in the weight room for Yanis coming into play there. Oh, it's important. I think Yanis maybe will score some points. I'm not sure. He's quite a good net. He's okay. He's so good. Oh, sorry, didn't want to do that. No problem. Oh, it's okay, I have to change the camera for me. Nice, I'm in. All right. Oh, I went lucky. I got lucky there. Yes. I tried to go to the free throw line as much as I can. Wait, just one more second. I have to change the camera again. I did something wrong there. I think now I'm right. Yeah, that's the right thing. It was okay. It wasn't a bad for me. This is the first free throw. Come on, man. That's it. Good start for you. It's fine. I don't want to come from behind the whole time. Here, I give you one more. One more. Okay. I'm done. Oh, I'm coming. I have to change the camera. Yeah. I don't want to come from behind the whole time. to come from behind the whole time here i give you the space from three with janis oh i know he can shoot it but i didn't know that's not what you want that was a nice step back man it was really was from outside but i think it's really important that he continues to connect from there oh yes i thought i'm gonna leave him a bit of space difficult shot and he's carry along it's good he doesn't shoot that good that's a terrific answer oh no no yeah that's okay no easy buckets 55 percent excellent when you go two out of two not bad man yeah it was important i have to keep up with you oh nice it was good luck oh my god oh oh white my boy he was covered as well uh i know when i shot it i thought it was a mistake i was lucky oh timeout ready yeah but the coach took it i someone is not happy with the way i defend you yeah we'll go away if you do if you just leave and now we'll go away right if i press x or what do i have to press no that's okay i don't want to see the cheerleaders in that game why how can i go out yeah it's because i'm making some changes ah you're doing something okay all right sorry i thought the mistake was here yeah it's okay we're just checking uh go yeah all good i was talking to my players you know cannot give you so much that's important of course good coach has to do that we transition yeah he's got such speed oh turn over to i can't win like that i was lucky oh no no here for you ah oh my god that was wide open that was wide open uh you made some good changes after the timeout i have to admit yeah i'm having some trouble this i have no idea what you did but it was good i think maybe i was lucky but it's okay all i did was practice in post-ups let's see oh no over two defenders come cleaver come it's a tight game yeah but i i don't defend i should maybe i should defending is the word is the most difficult fight against oh no i'm getting nervous over here but the mavericks always have a good bench i have to rely on them yes last shot in the games the fresh problem oh excellent oh green for that right what it was good timing for a green shot uh wait uh 1815 for you first quarter finished what do you think close game no close game yeah but you've been better the last two minutes i have to i have to step my game up that's a good good game good game okay i know what i want to do next my bench is coming up as well i get lucky now oh no green again man your machine yeah i learned it with uh with my career man you know i had the shooting guard so you have to be careful of course yeah you told me before you know you're a good shooter i love maxi cleaver come on six on the shot clock a Clark those 60 wins with a box the most since 1980 you know start to wait points for you now the team was a force that was a tough one to the next come on come on come on jj i need you from the bench he's the second box player to win it since kareem Abdul-Jabbar oh no who's that the divi chancellor right yes that's what i need right now that's not what i wanted to come on right he was far above the ground if you don't mess up oh that was close that was not good timing i need it i need this one if a play breaks down i mean that's essential yes that's good and that one goes in two from the line that time for the mavericks this season but they bring back that's okay maxi cleaver Dwight oh lucky again it was so bad defense they also bring left and athleticism to that rotation the kick out to right outside for zinkus over quarter gallas no good timing come on kp he has six was a good lupus right yeah i liked just one one is okay oh close close the hardest thing is to know each shooting motion of everything when it gets fast or slower that's that's a difficult thing the numbers with the bucks but really was exactly what they needed as a big guy why and what i do here a rim protector inside nice i'm getting a little more aggressive but just just in the game oh no that's cover oh yeah he was open yeah i defended very wide again no yeah go over gonna miss an open three and he's gonna score this it's my unicorn was with the with the evil yeah i came back into that it was he was open for a bit but but it's fine that's a nice thing about basketball come on no luka i need you from three it's back to eight man damn oh but there was good defense again i don't get any open buckets against you oh oh no you get it back oh i thought i had it i was already running for the fast break as to lopez for a second mate he's made two or three so far a guy that doesn't give up on the glass lopez a real force at rebounding the bar wide i need you to make those now no walkie-lid by eight 54 seconds left in the second even shenzo can't hit it so it's the mavericks now the wing does it here's old defense again yeah you've been right there in my face one three in the second assists like that have typified their effort today terrific ball move really a prime example of the difference in how these teams have operated offensively much more individual play at the other end now here's donchich mr persingas come on one more stop it's but single digits it's okay for me oh no no no no please not oh i was just too late yeah and i was too early jumping for the block yeah and when i hear when you know when i hear this the countdown i always get so nervous yeah you are more patient than that's good halftime 35 for the box 26 for maths and you slowed down my offense yeah i think it's a close game that's a nice thing you will see we will see i see start i need some look i'm magic now yeah you need it but it's okay something he can't give me yes and he's a big strong guy right this is first season with milwaukee a huge success come come come yes we came in and led the team to the top seat in the east gave the franchise what happened who felt no power like it's six now works with the rebound one new guy yes come on man the team putting change in the direction of attacking first come on come on everything is wide in my defense right now nice who scored that for you well you got a situation because he's good it was a nice bucket i'm not gonna lie yeah it was and one come on luka i don't even jump nice nice it's good offense in the paint the screen and sometimes just give it to your best player right come on you got it's it four points i don't know where janice is but it looks like he's i think he needs to rest a little more he looked tired oh no that was bad come on yes i know slow down slow down oh you were lucky there i had very a little bit i slowed down too much oh that was risky no i need that one you always make your points after my turnovers i have to take care of the ball a little bit better here oh no no really call his time you're good but you're not having balls in the oh again this is too risky what i do there come on really that's not the guy i want to tell you i'm so happy when i saw get who caught the ball no it's fine it's fine oh dorian i know it was not easy nice nice offensive rebound important and you're back to eight you always come back to your eight point but it's okay i don't know jj come out of the zone please wow this is why it's need a little control it's crazy come on white open yes maxi our first time it worked but this is always risky it looks it looks like it's open but then you're right back at defense i'm doubting where janet is right it's crazy he didn't play in a second half right did he play maybe in the beginning oh what i like now is it changing his isn't the bench for his closer i think my next defender was 10 meters from you hmm well you're back in mate and do you actually give instructions while timeouts no before i i just like i changed that i wanted more rebounds defensively oh okay that work was fine for you offensively yes but defensively honestly didn't make a lot come on he's small yes good maxi oh it's too easy is it already three throws uh it was a shooting follow because he's been up and shot it damn come on miss it oh come on that was that was a better release than before thank you oh bad timing you give me so much space i have to take advantage of that he's so good he's so good man stupid offense or he's white open yeah it's okay he scores 20 points you can you can be have a bad defensive moment oh you knew that that's crazy and it's a wrong player okay calm down everyone that's bad like my block uh oh maxi that has to go in man uh i have white open again this i have to score i was going to wait a second white open nine points okay i will take a three now it's the only chance oh too wrong so you're always coming back close and then it's uh i'm going to wait eight or nine points i need i need a little miracle right now well six minutes is a lot of time you know yeah maybe i don't let you score just right open on the basket that's the first first thing i could change oh oh that hurts that hurts big time good three points if you start you're afraid of jane so you leave the rest open yeah that's right that's a modern truth come on was white open i'm doing a bad job right now it looks like a blowout right now oh no no i'm going easy offense now coach koto is doing a good job right there yeah the hustle game has been going i future that passes the whole time yeah over the course of the bargain because wow wow was a little explanation for my part yeah maybe maybe maybe maybe you're just better right now maybe 18 points yeah the nine zero uh nine i'm back now i'm behind nine and then you make a nine zero run yeah but it's okay we're not done yet here okay two three pointers i cannot score anymore and you're back okay the game is going to give you two points okay come on cess come on oh kp oh and one no oh and i miss it come on kp i need a big thank from you for zingas with the ball i'll guard it by anise the first thing is nice three pointer yeah point the right it's okay i take every point i get about confidence right there for zingas show plenty of respect to make it seem indigenous now it's our jason brunson and it's his first follow the game here's divan genzo it's down the middle 10 oh no the three second call this one what happened you stay too long in the uh yeah and to be honest i did keep pushing the stats in games i know stat sheets are given to the coaches during the timeouts throughout the game but i don't think players in general are able to monitor their numbers now there are exceptions to every rule i imagine every team may have a player it's a nice post up was that rug lupus but the vast majority that was a nice one playing the game to keep up with the stats and they're looking up of the scoreboard too aren't they there's because they give individual stats up on the board and six points for two is 47 is a lot i try to make a play but uh that's that's okay for me i want to say if you can do this to be honest i didn't want to play to power it was lucky i wanted to play to another player and shoot it ah rikala and i think the timeout doesn't someone has to tell him this game is over it hurts it was a good game to be fair hi nice step back you know i wanted to something for the fans oh what are you doing i walk on three with lupus i like that it's quite good in a tree i know i know i know wide open i was thinking yeah okay post and come on but that was a bad shot again it can definitely be considered a statement win for the box what an effort in the transition game we've seen tonight from these guys really push the ball i think in doing so great a lot of pressure on the defense i know i cannot take it through with him but i would just love to green it with him and i know i know you want to show something here these are the kinds of okay p come on at least this one oh green was the incredible lights today he was so involved in so many plays tonight a force on both ends that you weren't too far i know wonky takes presents ah oh 19 points now to the list i was huge to feel 32 seconds left in the fourth quarter and you can see my players are a little bit angry now yeah i see the fans left the stadium as well oh yeah oh ah 20 points in the end come on i need to score i can't lose by 20 i need to score somehow now i mean long on or shooting here's Dallas outside curry to get it done and done pressure score the ball free to score him over no no no come on that was lucky that was my timing ah oh yeah the benches in that's good yes come on defense club from the fourth quarter over in the corner matthew ah at least 19 oh i just have to meet way better way better i was no competition in the end kevin just a masterful performance all the way around and that about wraps it up yeah mass was a great game was nice to play uh online and that we could do a video conference because i think still uh being inside all day it's still good to have and to talk with people online and to see each other so thank you very much for joining me on nba2k Sundays and maybe a rematch soon thanks a lot for the invitation really was a big pleasure a big fun but um yeah i think there's something i don't know how long we have to stay at home but there's something i have to i have to prove myself in the next few weeks playing it again against you perfect man i will be playing in the walkie revenge game that's okay at the mavericks are doing just fine at the other arenas maybe better than at home court so dangerous i hope you want thanks a lot man see you see you


I woke up this morning and saw this video. I just immediately became frustrated. As a fellow data analyst who puts content out on YouTube, I feel like the bare minimum that I should do is really good research to give you guys good content before I put it out. And so when I saw this video, and she's telling people the average salaries that people should expect, I could not believe what I was hearing. Cause the numbers are so off that they can't be true. And so I felt the need to make a video, show it to you guys, see what you guys think, and just let me know if I'm the one who's wrong. Because everything that I was researching was very different than what she is saying. So let's listen really quick to what she has to say and then I'll kind of give you some of my thoughts on it. Entry level data analyst rules for 2020 have a median pay of $84,000. This is slightly up from the 2019 rate of 82,000. Who is getting paid $84,000 as an entry level job? I know that I was making literally about half that. And I have not met anybody who has got an entry level job at $84,000. The issue that I'm having with this is that she is out here telling people that that's the average, that's what you should expect. That's the normal. And so as a person who is just starting out in the field, if I saw that, I would be extremely discouraged because I am out there applying for jobs that's making 40,000, 50,000, that's pretty normal. And she's telling me that the average is actually almost $85,000. And so that frustrates me because as a person who was just an entry level data analyst three or four years ago, if I had watched this video, I would be very, very frustrated with my job search and felt like I was not doing as well as I should have been. When in fact, I was doing really well. I was making $47,000 at an entry level job and then I worked my way up. But she is saying that you should be starting out at 85,000. I mean, it blows my mind that that could be accurate. And so she actually goes on to say more, so let's watch a little bit more. Mid-level analysts in 2020 are making around $100,000 as the median pay. Okay, now that is my salary. So I completely understand that it is possible to make that much money. But I have to admit that I got extremely lucky and this is absolutely not the normal in the industry today. If you are out there with three or four years experience making $100,000, you are among the top 5%. If that is the average, we're talking New York City or Silicon Valley type salaries. This is not the average across America. This is like the top tier of the top tech companies. This is absolutely not what somebody should expect three or four years in. The average salary probably around this time is around $70,000 to $80,000. So I say, what sources are you referencing for these salaries? I want to know where she got her information. I said, I have never seen an entry-level data analyst position for $84,000, not even at IBM or Facebook, unless they're in Silicon Valley or New York City. That is true. That is, I've never seen that. And so I was curious. So she says that there are multiple sources that support this, including Robert Haff. I never heard of Robert Haff. So I looked it up and I actually found a 2019 Robert Haff salary guide.  Let me see if that's accurate. So in this PDF, they have these percentiles for all these jobs. And I start looking through here and I'm like, all right, cool, this is interesting. They have lots of different jobs, different salaries. Let me go look, find the data analyst. So I go down here and I find the data analyst. And for an entry-level job, at an entry-level position, the average is right here. So it's not $84,000. That is the 95th percentile for up to one year. Someone who is just getting into the career is $83,000. She said the average for an entry-level position is $84,000. So the 50th percentile would most likely be considered the average. And that's $57,000. That is not anywhere close to what she said. And so if we go up, we can see that for one to three years which is what someone considered mid-year or mid-level, the average is around $74,000. And then based on these numbers that she is quoting, a senior level is $78,000 to $94,000 for the 25th to 50th percentile. That is what she is quoting. And so she is saying that people should be expecting $84,000 right off the bat as an entry-level job. And that just, that makes me upset because I'm literally looking at the numbers of what she is quoting and she is quoting them wrong. I think what happened was, is there was this graph up here. All right, I think she was looking at this and she said, oh, financial analyst, the average, $84,000, $100,000, $122,000 because those are the exact numbers that she quoted in her video. So I think she just randomly came down here to financial analyst who's a manager, took these numbers and said, I'll use these numbers. That frustrates me. As somebody who makes content out there for other data analysts, I feel like I need to do the work. I need to look up my information and give good content, something that's reliable, something that people can trust. And she's out here putting this out here. And so I just get frustrated. I think I've seen enough of this content on YouTube to start a series called, I don't know, data analyst fact checking. Maybe that's what I'll title this one, is data analyst fact check, because this is wrong. This is not accurate. I do not know where she got these numbers from or where she's pulling these numbers from, but she's wrong. And so as a data analyst, I'm not just gonna sit back and let YouTubers deceive other people who are trying to get into this career. I want people to have good information. If you are making $85,000 as an entry level data analyst, you are killing it. You are killing it. That's what most people make near the end of their career. Okay, so hold on to that job. Now, maybe I'm wrong. Maybe I'm the one who's wrong here. Okay, maybe I'm the one whose research is incorrect and she is right. So I'm gonna leave a comment below. If you think that this is unrealistic, I want you to upvote it. And if you think that what she said is realistic, I want you to comment under it and just say, no, these numbers make sense. Actually, I make 90,000 as a starting salary. Blow my mind, maybe I'm wrong, right? Maybe I'm the one, maybe I'm the one who's wrong. It's possible. I don't know. Anyways, sorry for my rant. Thank you guys for watching. I appreciate it. If you like this type of content, be sure to subscribe below. I think this is gonna be a new series, data analyst fact check, I don't know. Who knows, we'll see. But thank you guys for watching and have a wonderful day.


Here is the new Jingo S1 Pro Laser TV. Yes, hello! So who are you? My name is Eva and I'm in Overseas Department of Jingo. And this is a short throw projector right here? Yes, correctly, this is the latest technology. And it's 100 inch, it's huge. Yes. Very big screen. Yes, and we also have the 120 inch screens available. So 120 inch, you just pull it a little bit back. Okay. To do 120, then it becomes even bigger. Oh yes, correctly, yeah. Yeah, moving a little back. So this is full HD? Yeah, exactly. But it also supports 4K video playing and the decoding. But it's full HD, there you have the CPU. This is a 64 bit M-Star 6A828. Yeah. Quad core is 53 with Mali 450. Yeah. And you see? 4000 ANC lumen. Yes. This is a high contrast of 50,000 to 1. There's a lot of different functionality in here. And this is a DLP laser. Correct. Yeah. So that means what? Very bright? Very bright. You can see it in daylight time and the effect as you see, it's amazing. What is the screen you have here? How does it work? This is a special screen called the light resistance and with the frame inside to make it beautiful. And so how much is the projector? You mean the retail price? Maybe. Okay, the retail price in China here is around USD 3,755. All right. And the screen? The screen is 700 and there is 71 USD. All right. And you have a very, very, very beautiful remote control. Yes. Yes. This is Bobby Chen designer? Yes. Our boss Bobby Chen designed it. It's a beautiful remote with a touchpad right here. You can scroll back and forward right here. Yeah. The speed is very large. I can click to pause. Yeah. There and I can click to resume. There's a nice tactile feedback. Oh, that's good. Nice tactile feedback on the there and then you have the volume. Yeah. So there's a high speaker in there. Yeah. And there we have like this. And we can go back to the home. Yes. And there you have home UI. Home UI. Okay. Yeah. This is a customized Android? Yes. There you have it. Jingle, this is the wireless function. Okay. I'm just going around a little bit randomly. Okay. And we can go back to the menu. Very small. Search. And you can search with the voice. You can say, hello, I want to search for ARM devices.net. Yes, with Wi-Fi. With Wi-Fi connected. Wow. Cool. So this is a custom Android. And you also have another new projector. Can you show over there? Yes. Okay. Let's go in here. This is our X1 1080p new product. The main function is autofocus. Autofocus? Yes. Really? Can you hold that side? Yes. Let's go closer. Can you hold the projector? Yes. It's still in focus automatically? Yeah. How to do? How does it work? How does it work? Autofocus. Secret. It's a secret. There's a camera here. I think it does a contrast recognition or something. And then it can automatically focus. And it adjusts the tilt. Maybe. All right. This is a 1080p jingle. Yes, 1080p. How much is it cost? It's $751. Is it available now? Yes. Now it's available. And the other one? Yeah. Also available. Yes. All right. Cool. So how soon you will have 4K? We will plan to launch very soon. 6-2 launches in one or two years. So very soon you will have 4K version also? Yes. And Jim, how is it going the sales outside China? Outside China is growing. Especially like in France, in Switzerland and in US market there. And from this field, Latin American clients are very interested in it. So we're going to sell it in the main channels across the world. You're the leader in projector design in China, right? This most interesting Chinese projector, no? Yes, yes. But it's also in the world, maybe. Yeah, we hope it will be popular with foreign guys. Is it better than LG design? We think it's definitely cooler than that. But an Epson is not so good. So this is better. What is the concept of this one? Bobby Chen design? Yes, Bobby Chen. It looks like a football, American football. You know the inspiration comes from the Chinese flower that is lotus. As you see, the lotus grow. Lotus grow? Yeah, lotus grow. This is beautiful remote. Wow. What's going on here? How does it work? Yeah, this is the OK button. Can you use the video? Yeah. OK. This is beautiful scroll wheel. Yeah. Let's log in with your account. So how do you sell it so far? This is new product. So under festivals, we sell 1000 pieces in a day. 1000 pieces. On T-Mau platform, where it's launched.  Oh, nice. You can click. Wow, this is really amazing. Yes. Oh, it looks good. This is the coolest UI I've seen. Well, thank you. Projector, at least, maybe in the world. Thank you. So your engineer is very busy to make some cool UI. Yes. Let's just find the video. Yes. We need to get on Wi-Fi. We need to connect. You have some content somewhere, no? Yeah, the Chinese version. There. Yeah. How to find some content? Maybe I'll go in here. Is this not working? It may go to the movie. To the movie. Movies? Yeah. Let's try this one. Resume. This is the gym go video. Yeah, this is the gym go video. Can you pull it back, this one? Turn down the volume a little bit. Nice. So where's the speaker? The speaker, I'm the two first size. Two speakers. On the side? Yeah. Well, this remote is really cool. Yes. This is amazing remote. Well, and you can do the mouse. Yeah, yeah. So I can do air modes like this. Yes. I can click on stuff. I can do a microphone, also built-in microphone. I can say hello, go back to main menu. Yes, this is our new product function. What is this? The eye. You can also adjust the focus by... Manually. Yeah, manually. Okay. Oh, now I put it out of focus. Yeah. This can go back to autofocus. Now after you change it by menu, then you return to the normal. Yeah. Go to automatic mode. Let's go back. Cool. There it is. Can you say how much you sell? How many you sell of this one? How many you sell? Well, this is our popular product. We have sold at least 300,000 units of this G-Series products.


So I'm going to follow the footsteps of my youth speaker, Sidi Itara, and not read from the book. I think writing for me, it's always changing. And it's like a documentation of how I'm always changing. And so those poems were my truth at that moment. And right now, other poems speak to me in a way that those poems don't. And also, my family always calls me Bechanatma. So I was still deciding which poems I was going to read while walking and while Mazem was talking. So if you could offer me a little bit of grace for that. Yeah. And so I'll read a couple of short poems. And then I'll stop reading poems and just talk for a second. And then I'll finish with a poem. Split a poem in two and try to not make gender binary. And a scene of your body isn't written yet. And how will you direct this play uncensored? And clearly, we didn't love holy because we continue to speak in halves. So that's one poem. I think for me, that's a contemplation of gender and what it means to be a woman. Because I noticed somebody said, oh, a lot of the folks in this space are women.  I get to say that, and I get to name that. And just the way in which, especially in the South Asian community, we make it a binary really quickly and really harshly. And that, yeah, I was just reflecting on that. And then this is another short poem. Our house is filled with an ocean. This is the karma of immigration. How could they think forgetting a country came with no strings attached?  But this is only a poem, a performance of everything dead. And then I think that poem was me reflecting on my parents and why I write and why I don't let them read a lot of my poems. Yeah, and that's something I've been thinking about a lot with my dad. Because one of the poems, Dear Sanjana, it doesn't really capture my dad in the best light. And I wonder how awful it is for me to document him in that way. So it's like, wow, this writing thing looks really nice on the stage, but it's shitty sometimes. It's hard to have those conversations with parents when I just don't.  Yeah, so I could read another one. Actually, I'll read two more, and then I'll get off the stage. Sometimes I write guzzles because that's what I think I'm supposed to do. An act of desperation to hold onto a history, whiteness seems to erase and claim so calmly. I do not know if any of my ancestors were poets, but Nana used to sing often. Sometimes I wonder what Nana dreamt of when he was 20, but I forget the Hindi word for dream. I know the Hindi word for quiet. I promise. I promise I'll call Nani back this weekend. Now it's Monday of next week, and I've forgotten how to call home again. I blame it on the university and write a guzzle instead. I wonder how many circles I will casually dance through before I get tired and fall asleep and forget I was just trying to remember how to call home. Sometimes I write guzzles to call home and I dance in circles instead because, and then this is my last poem, and it's called Rituals, and it was like me not sleeping and thinking about what it means to archive myself, and this is the archive of all of these writers, and I think for me it's the act of loving myself because I care about myself enough to put my pen down kind of thing and write. So I'll end on this poem. Look, how I have this tendency of running into the night with my eyes open. Ever since I was eight, my family calls me Ratkirani and maybe they saw the poet in my hands before I did. Look, how the night holds me with freezing fingers and no sympathy. How the only thing spiritual I know is our willpower and my friend's hearts. How one of these stars is kind enough to cut my tears and it's twinkling and this means part of me is in the sky and the sky says it's okay if I'm not whole yet. Look, how the night never fails to come. How I can depend on its quiet and how this means the world is giving me time to write. How all of this hurting, how all of this healing spills out of the same bones that are hurting. How tonight these words dance in all their unsaid glory and this means there are poems I haven't written yet. Look, how these poems draw cities in my lungs.  How I am alive enough to be poet and isn't this something worth breathing for? Thank you.


This 2020 Ram 3500 Crew Cab Long Box Single Rear Wheel is stock number 1183 to Z. We are here at Summit Automotive in Fond du Lac, Wisconsin, near new and used Ram and heavy-duty truck headquarters. This 2020 Ram 3500 Crew Cab has the 6.7L high output Cummins diesel. It's paired up with the 6-speed Icing heavy-duty transmission. This truck has been fully-safetyed and inspected by our service shop. It has a fresh oil and filter change. All the fluids have been checked and topped off. And this truck is 100% ready to go. Diamond Black is the color. We shoot all of our videos in 1080p, 60 frames per second. So if you have HD capabilities on your computer, tablet, or smartphone device, turn them on right now because it is definitely your best way to check out the quality and condition of the truck before seeing it in person. This is actually Diamond Black over Walnut Brown. It's a two-tone paint scheme, but that's Walnut Brown on the bottom. If you like the video and want to subscribe to our YouTube channel, on the lower right-hand part of the screen is a link to subscribe. Click that, and then click the bell notifications, and you'll get updated every day that we do videos here at Summit Auto. Our amazing inventory comes with the polished aluminum and painted alloy rims, and that's the Walnut Brown on the inside of those rims as well. It has Firestone Transforce LT28560R20s. These tires have roughly about, I'd say, 50 to 60% of the tread left, maybe a little bit more. Frame and underbody is a very nice condition. Front fender, no dents or dings on there. Looks really good. It has the RAM LED headlamps, the LED running lights, and the LED fog lamps. Front bumper parking sensors. It has the Walnut Brown painted front bumper as well, and the chrome trimmed grille. The hood is in excellent shape too. No dents or dings on there. Headlight lenses are crystal clear, and the passenger side front fender is in nice condition as well. Passenger side rim, no scuffs or scrapes. And as you go down the passenger side of the truck, take note of how clean the body is, how reflective, and mirror-like that paint is. We take these HD videos, so if you are far away, or even if you're close by and just cannot make the trip down, but you're still interested in purchasing the truck, you can see the truck, hear the truck, and have confidence in the vehicle that you're looking at before you even get here. When you do get here, there's absolutely no surprises, and you can make a smart and informed buying decision from the comfort of your own home, before you can see the truck in person. Very nice down that side, this back rim, excellent condition as well, no scuffs or scrapes. And the back tires look like they've got probably about 80% of the tread left on them. This one does have the auto-leveling rear suspension. You have the airbags there, and when you get a heavy load, it'll actually push this up, and then it'll pump those rear airbags up to get this back to a level position. Pretty cool system right there. The frame on the underbody is nice and clean, and it has all the remaining factory exhaust. Lower rockers all look really good, and it comes with the color match painted step bars. Coming around to the back of the vehicle, you get the LED tail lamps. The rear bumper is in really nice shape. Didn't see any dents or dings on there. It does have the backup parking sensors. Full towing package, which includes the receiver hitch, 7 pin, and that hitch right there. I think that's part of a trailer smart tow group, where you can, I think, don't quote me, but I think you can do, like, a camera on the back of your trailer. Anyways, tailgate's in excellent shape. It has the drop-down assist tailgate, the spraying bedliner, fifth wheel and gooseneck prep package. You get those same hookups back here. You get the LED bed lighting, which has a button, and you get the side box tie-downs. That cargo cam up there also has LED lights, and those bed lights are very nice and bright. Spraying bedliner, the bed's in really nice shape, and as you come down the driver's side, just as clean as that passenger's side, no dents or dings on the box. It looks really good, and for full disclosure, this back rim is in excellent shape as well. No scuffs or scrapes. Down the rest of the side of the truck looks really good. It has the heated fold-out tow mirrors. You have built-in directional signals, blind spot monitoring, LED side lights. They're heated, and you get the cameras on the bottom, which is part of that 360 camera view. Inside the longhorn package gives you the black and brown leather interior. You get the longhorn patch stitched on the backrest, and there are no rips or tears or excessive wear on those seats. Both of these front seats are heated and cooled. You get the all-weather longhorn floor mats, auto headlamps, power pedals, the real wood-grain trim. Kind of the bronze-ish gold finish trim and leather bolsters. The real wood-grain trim on the door there. Power windows, power locks, power mirrors. These mirrors are power-folded, which I always like showing both sides so that you can see that both sides are working good.  So if you look at that mirror on the outside, you can see I can control that with the buttons right here. You press this one, and then which button you want it, or which side you want to control, and it goes like that. We'll hop inside, turn the ignition on so you can check out the instrument cluster and the radio. This truck is 18,775 miles. It comes with the digital speedometer, compass display. Instrument cluster is very nice and clean. Looks really good. That's a special longhorn design around the dials and gauges there. Pretty cool. It has the heated leather-wrapped and wood-grain trim steering wheel, adaptive cruise control, normal cruise controls, Bluetooth and information center controls. You get the wood-grain trim on the bottom of the steering wheel, and you get that brown stitching. This one does have the ICEN six-speed automatic transmission. You do get the gear selector right there. Push button four-wheel drive comes with the 12-inch Uconnect 4C radio, AMFM and Sirius XM radio capabilities. Of course, it has the factory navigation system. There's your AMFM and Sirius heated and cooled seat buttons, heated steering wheel buttons. You can check out your backup camera. You can check out your surround view camera right there, and that's an HD backup camera now. Wide view of the back, wide view of the front, narrow view of the front, and narrow view of the back. You can check out your cargo cam. You can check out your other backup camera, and then you can zoom on that, and you can also zoom on your cargo cam, so you can get hooked up to your boat, camper, trailer, fifth-wheel, goose neck the first time, every time. And then that's what I was talking about, that extra plug-in is if you had a camera on your trailer, you'd be able to hook it up right to the truck so you could see what's happening behind your camper or trailer. Then you get the side view mirrors, so if you're backing something up, you can see down the side. If you want to see more on the left side, you can adjust that depending on which way you're backing up your trailer. So pretty cool stuff that goes along with this trailer package, camera package. You can also do, on this radio, you have your apps, where you've got Projection Manager, where you can project your cell phone to the screen via Android Auto or Apple CarPlay, use a different navigation system, play songs. We actually did a demo on Android Auto, it's in the upper right-hand part of the screen, if you want to check that out, click that and check us out there. Up here, your lane departure warning, stability control, your buttons for your climate controls, want to do them on the radio, no problem, you can do them on the radio too. Down here, you have your factory brake control, your alternate trailer height, so with that rear-air suspension, you can program a couple different trailers in here. So if you wanted a trailer that you know is going to ride a little bit higher, you can program that with that and it will automatically level out the trailer to where you want it. You have six auxiliary up-fit switches, tow-haul mode, factory exhaust brake, front to rear parking sensors, you can turn those off and on. Two USBs, two USB-C's and AUX jack, RAM cell phone charger, RAM charger they call it, wireless cell phone charge pad, and then down here, you have a 115-volt 4-in-1-watt plug-in. Cup holders, center console, wood-grain trim, keyless entry, remote start, power drop-down tailgate, you get the Laramie Longhorn Edition badge right there. Very cool, you get the wood-grain trim on the dash. Laramie Longhorn Edition branded into that wood. Passenger side seat, very clean as well, no rips or tears, headliners in excellent shape, I don't think this truck's ever been smoked in, smells very clean, and you do get a power sunroof there. Assist and SOS buttons in the instrument cluster up there, power sunroof controls, power side mirror, window controls, and map lights, you get an auto-dimming mirror, and home link buttons for your garage door security systems and lighting systems right there. We'll take a quick look at the back seats, quite a bit to go through, and then we'll start it up and take a look under the hood, we'll check out all those LED headlamps up front as well. Back seats, just as clean as the front seats, no rips or tears back here, it does have the latch child safety system, these back seats are heated on the outboard side. Power sliding rear window with the built-in rear defrost, no rips or tears, once again, very nice and clean. Has a load floor, those go down, so if you've got muddy boots or tools, you put them on there and you've got a nice flat place for them. If you've got pets, nice flat place as well, they're not going to wreck your nice Laramie Longhorn leather seats. I think these are TPMS sensors, if you add a trailer, it'll read your trailer TPMS sensors. This is, I believe, the hook-up for that trailer camera system. It has a winter front and a receiver hitch reducer. Just a ton of stuff to go through on this truck, it's quite a lot. Saddle bags on the backrests, side current airbags, they're your heated seat buttons, you get two more USBs, two more USB C's back here and another 115 volt 400 watt plug-in. You get in-floor storage with removable containers for easy cleaning. You can put ice and drinks in there, and it's like you have too many coolers wherever you go. Child safety locks on the back doors, those back doors are trimmed out just like the front doors with the black bolsters, the wood-grain trim, and yeah, just a ton of stuff to go over on this truck, but I think we got it, we'll take a quick look under the hood, start it up, starts right up, no check engine lights or anything like that. I would personally like to thank you for checking out the video today and for sticking with me through the entire thing. And we'll take a quick look under the hood, you gotta unlatch it first, otherwise it won't go. There we go. Under the hood, once again, we have the 6.7 liter Cummins diesel with the high output motor. Engine bay is very clean, runs very smooth. Once again, this truck has been fully safety and inspected by our service shop, has a fresh oil and filter change. All the fluids have been checked and topped off and this truck is 100% ready to go. There's your mission sticker and I would highly recommend this truck from a quality and condition standpoint. There are all your LED headlamps, fog lights, running lights and I'd highly recommend this truck from a quality and condition standpoint and to see more pictures of this truck or one of our other 450 new and used cars, trucks, SUVs, minivans, Wranglers, half tons, three quarter tons, one tons, you name it, we got it, go to that website right there www.SummitAuto.com Full pictures and descriptions of every single vehicle from two locations all at SummitAuto.com If you'd like to check out more HD videos you can go to www.youtube.com. Remember to like, subscribe and share on this video and all the videos that you see there. Click the bell notifications, you'll get updated every day that we do videos here at SummitAuto. In fact in a second you will see a link to subscribe to our YouTube channel in the upper left to link to more Ram 3500 truck videos like this one in the upper right. A link to this vehicle on our website in the lower left and a link to one of our in the lower right, click those, check us out and we're super excited to help you with this Ultra Clean 2020 Ram 3500 Crew Cab Long Box Single Rear Wheel High Output Cummins Diesel with the Ice and Transmission and Diamond Black over Walnut Brown. Thanks again for checking out the video and remember to like, subscribe and share.


Well, I'll call to order the Green Mountain Care Boards hearing of August 14th, 2023. Today, we have Grace Cottage and Northwestern in the morning. And then this afternoon, we will have Rutland. And so I think Matt Sutter will be doing the Grace Cottage and Northwestern walkthrough. And then Director Sarah Lindberg will be doing Rutland this afternoon. So I'll turn it over to Russ McCracken to swear in the witnesses and then Mr. Sutter can take it over from there. Thank you, Chair Foster, for the Grace Cottage team, who will be presenting and answering questions today. Doug's on mute, so I'll speak for him. Doug DeVillo, CEO and myself, Stephen Brown, CFO. Great. If you could both raise your right hands, I'll throw you in. Do you solemnly swear that the evidence you shall give relative to the cause no under consideration shall be the whole truth and nothing but the truth, so help you, God. I do. Thanks very much. And I believe the floor is yours. Great. Well, good morning and thank you for having us today. We were very pleased to be able to meet with you to present our budget and answer questions about it. We put a lot of work into refining our budget for 2024, although I will say, you know, we do continuous new budget development all year long at Grace Cottage. We review the budget every month and make adjustments as we go in terms of our operating strategies and our our fiscal determination. So, you know, doing the budget every year is a pretty simple process for us because the 2024 budget is really just a continuation of our 2023 activity and performance, which we think has been quite exemplary, given given the challenges and the struggles. And, you know, the difficulties in running healthcare organizations these days. So, hopefully, we'll be able to answer your questions and make it very clear what we want to do in 2024 as far as our financial strategies are concerned. For those who don't know Grace Cottage all that well, there may be a couple of you, two or three of you. I just want to say a couple of things about the organization. You know, we're an independent, you know, for profit healthcare facility, we're located in rural southeastern Vermont, about 19 miles north of Brata borough. Our multi facility campus of about 10 and a half acres includes a 19 bed critical access hospital where we provide skilled rehabilitation, we provide acute care we provide palliative care and of course 24 seven emergency care. In fact, we just recently completed a renovation of our ED to add an additional 17 by 42 foot extension to better serve our community and to better increase our productivity and our accessibility to patients and very proud of that that renovation. We also have a full service laboratory here in the hospital. We have a diagnostic imaging suite, which includes a recently updated CT scanner. One of the things we're really proud of here at Grace Cottage is our rural health clinic. It's kind of the crown jewel of our organization. Where 13 healthcare facility health care health care providers provide over 31,000 patients visits, both primary and mental health visits every year within the clinic. So it's quite a large operating unit for Grace Cottage. We also have a very rapidly growing outpatient rehabilitation department where we provide physical and occupational therapy. We have a full service of pharmacy, low retail pharmacy located across the street from the hospital. Messenger Valley and we also have a community wellness center where we offer wellness programs for the local and surrounding communities. As I said, we're dedicated to providing primary care. We don't do anything in the way of invasive procedures here. We don't have an operating room. We really focus on emergency medicine, acute and skilled and rehabilitation services within our facility and obviously our large rural health clinic where we provide 10s of thousands of visits to patients where we focus on wellness and keeping people out of the hospital and keeping people on a track to taking care of themselves. And that's really what we're known for or what we're quite proud of. And as you'll see in the budget when you review the numbers, you'll see that we've had a pretty substantial growth in our volumes year over year. And that's really helped us to weather some of the challenges that a lot of hospitals are facing on the tail end of this terrible pandemic we've had to deal with. So with those opening comments, I'll ask Steve, if he wants to add anything to any of the things that I've had to say, and if not, we'll answer questions. No, I think you gave a good quick overview and happy to try and answer any questions you might have about what we submitted that we haven't already responded to. Thank you very much for lunch. So when's unmuted. I'm getting a little feedback there. I believe I muted that. Are you sorry. Yes, thank you. No worries. All right, so in our efforts at continuous improvement. We just wanted to make sure before we dive in that we that we Sorry, I don't know why. Okay, am I not one presenting. Okay, I'll try and share another way sorry but we wanted to just make sure that our conversation today is focused so you can see that the topics in the Grace Cottage budget that we wanted to make sure to hit. We're just making sure we understood some of the variation in the cost inflation assumptions. Understanding the amount of the charge increased likely to are expected to be realized from commercial insurers making sure we're all clear on that. Just covering a question that was already asked about the Medicaid price increases on and covering some ACO participation. Some of the referral and follow up responses as well as the lag and visit information. So with that, I'm going to turn it over to Matt. Butter to go over the budget so I will be driving for him. Go ahead Matt. Thanks Sarah. Can you all hear me. Great. Yes. Okay, so looking at the overview. If we just restrict this to critical access hospitals and kind of get a better feel for Grace Cottage's position here. Consider NPR growth was just over 16% so above the benchmark below the growth in operating expenses of about 14%. Not really. However, if you see those, their charge master and commercial price increases there for in 2% respectively. So growing more for utilization suggests if we go to the FY 24 tab. Thanks. It was a little small. So going down the list, as we just mentioned, NPR and operating expenses exceeded the benchmark. NPR exceeded the benchmark. We didn't have an explicit benchmark for operating expenses. But for labor, it's grown within the benchmark. And if we switch real quick to the labor tab, I think we can see that it's grown. Yeah. Thank you. You can see kind of it's more it's kind of kept in line with the ECI benchmark starting in 2017. And then sorry, coming back to the FY 24 budget. I was I wanted to pause real quick and make sure I didn't think we had any questions about their labor estimates or utilization on the staff level but I wanted to pause. No quick make sure there's no no questions from the board. Matt, I had one on commercial price. I'll wait if that's a different. Yeah. Just on the overview, it said 2% and here it's 9.3. Is that just because the time periods different here than in the overview page? That's correct. So this is for 24 over 23 is 9.3. And on the overview, it's 22 actual to 24 budget. No, this is 23. Yeah. And I'd say that. I don't want to speak for Mr. Brown, but I'd say that that exhibit was a real bear, especially for some of the smaller hospitals. So this 9.3 might be. Not the most relevant indicator for how. Is it also including volume increase in that period? Not just that we increased. I think the 2% is we got an additional 2% reimbursement on anything that we build to commercial versus the total commercial that we got went up by 9.3 based on the fact that the volumes are up. Yeah, that's designed to try to. Yeah, it was designed to try to just get the effect of price over the 2 years in that exhibit 10. And it's, it's not a trivial thing to pull out price and utilization and often. No. Yeah, yeah. I can assure you our commercial increases have not gone up any part of 9.3%. What would you say it has gone up. You know, and very certainly by payer, but the majority of our commercial payments are based on fee schedules. Everything in the rural health clinic is based on fee schedules defined by the commercial insurers. And, you know, at best they go up a minimal inflation factor each year they set those we don't have any control over those. It's not really relevant even what we build a commercial insurers for anything that's paid on a fee schedule. So for anything in the rural health clinic. The majority of our excuse me our outpatient work for commercial is also paid on fee schedule. For instance, everything Blue Cross pays us as one of our biggest payers for both diagnostic imaging and lab is all a fee schedule that they determine again. It's increased annually based on a very minimal inflation factor. So I think the 2% is probably an average overall of what we got additionally for any particular item that we build one year over the next. Thank you very much. I do have a question about utilization if we're ready for it. Sure. So, I noted I did notice in your submission that and as you just spoke to your utilization is based on current levels of volume for the first 7 months of fiscal year 23. Could you give us a little bit of color commentary on what areas that utilization seems to be most prominent is it across the board, mostly in the rural health clinic. The biggest area is in the emergency department. I mean, mind you, our average number of encounters in the emergency department is. General was generally in the single digit. So we're not talking huge volume. But thus far this year, the emergency department has been up like 40 plus percent over budgeted number of encounters. Which only gets you from say 8 to 12 a day. But the outpatient rehab is physical therapy and occupational therapy is. Way over budget. And continues to be we she's got a stack of referrals for outpatient work. People are pre booking for post surgery, you know, through like visits in December. And it's just, I don't know if it's people are finally getting work done that they put off throughout the pandemic or. More and more people are just needing to get work done probably based on the health of. The general population that's part of it. But they've been extremely busy just, you know, people walking in the door. So. The rural health clinic has been a little busier. The providers are seeing a few more patients. But it's mostly those 2 areas. And then of course, as the emergency department's busier. Some of the diagnostic imaging. Particularly CT is also over budget on the outpatient side, mostly related to. Emergency department visits as well as some lab. We haven't changed any service lines. It's just more people coming in to use those. Thank you. I just a quick follow up question about. I'm wondering with the increases in volume and ed visits. How many beds are you currently staffing? I know you have a 19. Bed critical access hospital, but we have we have 19 beds set up. Or license for and set up are available. We generally have a staffing level for an average daily census of 12. To 13 and that's. Pretty much where we've been running most times. I think our current average for the year is. For total acute and swing is like 10.8 or something like that. But, you know, that's usually fluctuating between. An average are a daily census of. 12 to 13 down to 8 or 9, you know, going up and down depending on when the emissions come and go, but it's on average. There's around 10 to 11 people in the building at any 1 time. Thank you. If there are no other questions about utilization, I think we can move to pharmaceutical costs and cost inflation. Okay. I was just wondering. So your, your pharmaceutical expenses increased about in line with our. What we've seen across other hospitals and the cost inflation also met the benchmark. I was just wondering if you could maybe speak. Provide more detail. For context for what you guys are seeing for cost inflation across. Over services or different supplies, pharmaceuticals, just kind of. Speak to what you guys are seeing this year, you know, our pharmaceutical costs as you'll see. Excuse me, compared with other facilities is relatively small number. You know, in great part, because we do not do any. Surgeries or and or. Cancer type drug treatment. So the majority of what we have from a pharmaceutical standpoint are in general, relatively. Lower cost items and not huge volumes. It's mostly. Small amounts for outpatient visits and. Whatever our inpatients, which are primarily swing bed.  They're not usually on. You know, some of the net drugs necessarily than an acute high level. Acute patient would be getting. And it stays pretty consistent. But as with anything else, some drugs go up a lot. Some go up a little bit. It's really hard predicting inflation. I mean, looking at the numbers that we quoted in our narrative overall for various areas. You know, those are best guess as trying to base it on what it has been over the past year, what you think it might be. A few of the things, you know, you might have. Predicted growths coming from our group purchasing saying saying we might see this going up. But sometimes, you know, I'm sitting here, I'll sit here and look at accounts payable bills and see that. You know, a food item went up 10% from one week to the next. It's just. Still so fluctuate so much on things that you have no control over. So, are there any other staff questions on the cost inflation? I think I'm good for anything from you. No, thank you. Were there any board questions. On a pharmaceutical expenses or cost inflation. Any questions from the health care advocate on any of the topics we've covered so far. Forgive me. I completely forgot to ask that. That's a good. Good morning. This is Sam from the health care advocate. Nothing from us on this. Thank you. Matt, would you like to walk through this or would you prefer I do it? I think you can probably I can do it, but it will be a little waste a little bit. Thank you. So, we know cost reports are in, you know, measuring 1 thing. And what stands out to me is even among critical access hospitals, grease cottage is extremely small. So, right at that bottom end of the distribution here. So as a reminder, this mark in the middle would be the median. So half of the values are below it and half of the values are above it. Down to the 25th percentile so and up to the 75th percentile. So we have our middle 50% of the data and then we have one and a half times the distance in that box pod and we see that grace cottage is very, very tiny. Yeah, I didn't interrupt you, Sarah, but just, you know, comparing us with the other seven critical access hospitals, you know, as is as you well know, is the best comparison you can have. But in reality, we don't even compare with them because we do not do two things that make up the majority of the business in both, which is operating room surgical suites and delivering babies, which are both, you know, high volume and cost services that we don't have. So that's what really what makes us stand out so much from everybody else. You're right. Yeah, totally. And you see that in the, you know, very relatively low acuity. So just over one. And then we see, oh, so this is kind of the inverse of that small issue where the ratio of admin to clinical is quite high. And I believe that would be due to relative to these other ones at 36%. We certainly see those numbers for some other hospitals for different reasons. So I'm assuming this has to do with some fixed costs, but I'm curious how you interpret that. Exactly. I mean, you know, we're spreading, say, human resources director over a smaller number of employees. You know, you everybody has one human resources director when you're dividing it by 19 the employees for a 19 bed hospital versus the employees for a 25 bed hospital. And pretty much that applies to a lot of positions throughout the facility, a lot of fixed costs in it, particularly a small facility like this.  I mean, and again, it's also hard, you know, when you look at a lot of those kind of positions where they're, you know, they fall under, say, administrative costs, but they're a lot of what they do on a day to day basis is job responsibilities that might otherwise be on somebody else's budget be not showing up at administrative costs because you've got a whole separate position doing that and it's classified as something different. So that also makes a huge difference here. Certainly not that we're paying all those people far more than they're getting at any of the other eight facilities or seven facilities. Right. Right. And then just, I don't even think you're. Yeah, so cash available to operations obviously not surprising to see that on the smaller side as well. And then for a bit are, I'm sorry, a bit are per adjusted discharge we see, I think that you were just here near the, there we are. I have to keep working on that. So a little bit profitable certainly still 22 nowhere near where anyone expected to be. And as far as the cost per adjusted discharge we've got, I think you're right in this clump at 14,000. So again, and thanks to those who have given this some diligence, more accurately saying that this is the average cost per Medicare discharge, which is adjusted for that acuity. So, I think some bunch in there for that. So any board or questions related to the cost report results here. Nothing from us, Sarah, we wanted to ask about the admin in general salary or issue, but you asked that. So thank you. Quick on the admin. What are which hospitals in these others do you think are most comparable to grace cottage and size. And where are they on admin. So the closest one for size would be my own escutney. I'm sorry, I won't steal your thunder. No, I was just they, I think from from an actual bed size we are the only one we are 19 everybody else is 25 correct. I'm pretty sure. But again, everybody else when you're taking that as a percentage of say total operating expenses. We don't have the operating expenses such as running surgical suites and things that are a huge, huge additional amount with the next what's the next closest expense overall expense level compared to us is probably significantly higher. Yeah, and I think the other thing we always think about with any percentage is low numbers. Low denominators just add a lot of volatility to this. So, yeah, so I think that's another important point. And then for cost coverage. So again, this is re pricing cleans based on the Medicare allowable cost. And looking at how that cost coverage is over time. So we see some, you know, relative improvements in the commercial cost coverage for outpatient. And it looks like a bump up in inpatient after quite a bit of stagnation, but still not up to 100% Medicare, you know, fixed at that kind of cost based reimbursement. We see quite low relative cost coverage for Medicaid outpatient, a little relative improvement that seems to have been lost over time for Medicaid. And we see that actually a relatively lower cost overall in delivering those services for commercial residents. Or I'm sorry, recipients of care with cost coverage, about 148% of that Medicare allowable cost. But seeing again, only half the cost coverage for Medicaid so almost kind of a push I'd say between those two bucket buckets. And any questions on this set of data before we. Okay. So, this one. Remember, we've lumped things together for several years here. And it can be difficult to actually see these guys pop so apologies as I hunt around a little bit, but I think that might be You're too small to be in this data set, of course, that's why there's no grace to highlight so it and so there's a need to be a certain number of discharges to be included in the Ram study and even if you lump three years together. They don't qualify for a public data file so just always helpful to remind ourselves how relatively small grace cottage is compared to other hospitals. So, I think that that is the data portion so I'll turn it back over to Matt to kind of help facilitate any other discussion. Thanks. We had a question about ACL participation I was wondering if you could speak to that any plans for the coming year. We don't have any specific plans for the coming year we've had discussions with the ACO over the last couple of years and you know the biggest problem for grace cottage is number one we have such a We really don't have a significant opportunity to really impact overall cost of care across the entire state of Vermont. We look at the cost of participation in terms of the dues that we would have to pay as well as the potential risk that would that would be exposed to if in fact prices were to go up across the ACO and we would have to We would be really in a position where we wouldn't be able to afford to to handle any type of risk on that side so we've had discussions with them about the ways that we can participate, you know without being treated like a full service. PPS hospital but you know those discussions really haven't come to fruition. And you know so so really from the standpoint of cost and the standpoint of risk, given the our size and given you know how little cash we have at any given time we just we just can't justify you know putting our organization at that level of risk. You know nor do we see any real significant benefit that the ACO could could provide a grace cottage to offset those those risks so that's kind of where our discussions have been. And, you know, we're certainly, you know, open to further conversations with the ACO but we really haven't, you know, been successful and coming up with a model that would make it. You know, make sense for us from the standpoint of our responsibility for keeping our organization out of a risky, you know, endeavor. Thank you. I think that's what I had for staff questions so looking to the board for any additional questions. I'm wondering if you could speak a little bit to the Medicaid redetermination effort and how that might or might not be factored into your budget. We did not factor anything specific in truthfully having zero idea how much it might affect depending on how many people either lost their coverage or additional people got it but we have been working very proactive we have a very top notch resource advocate in this facility that works closely with all of our patients, particularly with Medicaid patients and will do anything she possibly can to get help them fill all of their paperwork out. And, you know, are very hopeful that anybody that simply isn't getting their Medicaid because of not completing the paperwork that shouldn't be an issue. Now granted, there will certainly be some people that may lose it once they submit it because they're no longer eligible, but we did not factor any specific amount in for that. No. Thanks. And if I'm remembering correctly, she helps folks sign up for the exchange plans. Yeah, she will help them for anything exchange. She goes beyond above and beyond helps them sign up for fuel assistance anything any types of resources but her primary job function is yes, signing up for either the exchange or doing Medicaid paperwork. And truthfully, as Sarah just pointed out. If somebody loses their Medicaid chances are they're probably going to be eligible for 100% reduced fee still anyway. Or close so as she pointed out, we are reimbursement on Medicaid patients is so low. What we're really going to do is it won't have a huge impact on the bottom line. It'll just transfer it from a Medicaid contractual allowance. I mean a Medicaid contractual allowance to a free care line. So just a different kind of deduction. I had one question and I'm not intimately familiar with the program, but have you considered the rural emergency hospital designation and as curious if there's any opportunity there if that's something that would ever be pursued in the future. I mean, we looked at it briefly when it came out. I mean, it certainly could maybe be a possibility for this facility. At some point down the road, although I don't. You know, it would mean us getting rid of our inpatient beds all together and at this point, you know, there's a shortage of skilled nursing beds in the facility, which the majority of our inpatient as you can tell looking. At any statistics if we submit them. Which we don't do that kind of level of detail in the last couple of years, but the majority of our inpatient business is swing bed. So, you know, the average of 1, say a acute patient we have a year could certainly maybe be taking care of somewhere else, but I'm not sure where those other 10 or 11 patients every day for skilled nursing would go. But it would also make a whole lot of other changes. The facility in that, you know, part of what. For instance, pace for all of our diagnostic imaging equipment is the fact and lab equipment is the fact that you need that for the inpatient services as well. So they're helping. Spread that cost out over those things, whereas if you no longer had the inpatient business. You'd be trying to have all of those services available with only your primarily emergency department revenue and whatever the primary care patients needed. So it's a lot of factors that. You know, it's not just the inpatient beds you're talking about. It's how that volume of business affects your overall organization. And then you'd, you know, you'd still need a CEO, you'd still need a CFO. And now you're dividing that over an even smaller number of service lines and or. Total business. Increasing that administrative expenses. So expense. If it's follow up question to that, actually, chair Foster. Please. Yeah. I mean, we have been hearing from other hospitals about the difficulty in placement of their acute, you know, their sub acute patients to skilled nursing facilities in the state. And so I'm just wondering, given that you have, you know. 19 bed capacity. But you're averaging 10 beds on an average day. I mean, has there been thought to increasing scale and so that you could spread some of those fixed costs and provide more skilled SNF, you know, skilled nurse nursing facility beds for the state. We would actually be more than happy to take additional and keep our average daily census at 1617. I'll be completely honest with you. And. As many of your as some of your questions certainly. A loot know about base that you asked on all hospitals is. Skilled patients and one of the reasons they're getting hard to replace no matter where they're going is. That. Skilled patients are getting increasingly. More complex. They all have comorbidities. Back a long gone are the days where the majority of our swing bed patients. I mean, I can remember. Not that many years ago where almost every swing bed patient we had was probably somebody who had a hip or knee replacement. They were just here getting PT or OT for a couple of weeks. And they went home relatively simple to take care of. Now. The majority or of our inpatient swing beds patients. Although they may still be getting PT and OT, a lot of them are here for. IV treatments or all kinds of other things. They're just here because they are sick in so many ways. But that. That we have to be careful to make sure they're paid full that we can take care of, but what's become more of an issue. Is. Not wanting to get stuck with those patients once they're done being a skilled patient. And they need to go to a long term care facility. And there are not enough long term care facilities, meaning. That patient is not going to end up going back home. They have to go to a nursing home. And then we end up with a. Bunch of long term care patients waiting to go to a nursing home where we're either not getting paid really anything for them. To be here like 100 or $200 a day. Or. As we actually quoted in our narrative response, we've had a couple of different ones over the last. Year where we've had a patient, one of those patients here for 3 months where we were taking care of that patient for 3 months. Waiting for Medicaid to process the patient's paperwork so that they would be able to be transferred to a long term care facility. We had the beds available, but the long term care facilities won't take them without their paperwork done. So, you know, that's. Not anything we can change. But we have that's part of, you know, there's a lot of patients that we don't take for that very reason, because we know that after the end of a week or 2 weeks of being a skilled patient. They're just going to be occupying 1 of our beds. And. You get 2 or 3 of them here and then you're no longer able to take the ones that. The acute facilities are trying to get rid of for us to take care of that we should be taking care of. So it's. Another drawback of. Both the shortage of long term care beds in this area, particularly, as well as. Most of the people in this area are. Relying Medicaid. So what percentage of patients do you turn away because you know that there will not be a. Eventual long term care placement. I don't know. I have an exact number. I mean, it's also hard to tell because we don't always know. For instance, when Dartmouth wants to send as patient to a skilled facility, they send a mass thing out to all the skilled facilities. That could take that patient everybody around them versus and even down to here if it's somebody who's from this area and. They might get acceptance for that patient to go somewhere else before we have a chance to get back to them. The process of us accepting a patient when that happens is we get a referral from Dartmouth saying we have a patient that's going to be ready for skilled. That tomorrow say. It gets reviewed that medical documentation gets reviewed by our hospitalist by our pharmacy department to make sure we've got to whatever is available for them by our rehab department to make sure. All 3 of those departments have to make sure that they can. Take care of that patient before we accept them. The other thing that's becoming a huge problem is with so many Medicare patients switching to. Medicare Advantage plans and getting authorization for skilled. Stays from those sometimes takes 2, 3. Days or up to a week to get a authorization and they will sometime we've run into a lot lately where. We just had one a couple of weeks ago where the person literally lives 3 doors down from my office here in town. Wanted to come from Dartmouth. The insurance company was insisting that they go to. A facility nearby Dartmouth they wanted to get 6 denials from facilities within a 30 mile radius of Dartmouth first before they would consider authorizing them to come here. I mean why I don't know my presumption is they didn't want to pay the ambulance ride any further than 30 miles. I don't know. But you know there's just so much of that happening lately that. It's. And that's partly why they get stuck in places like Dartmouth it's it's waiting for us. Even if we're going to take that patient to get that prior authorization from the commercial insurance companies. Thank you very much. Are any other board questions. Seeing none. I'll ask the healthcare advocate if they have any additional questions. Nothing out from us. Thank you. Seeing none. I believe we'll. We do. I'm sorry public questions. I think it's the next. And chair foster. I don't know that I can see if there's any questions. Oh. I don't see any at this time. Can I just ask a quick question. Which is. Out of a total revenue. Standpoint Dave Merman. Sorry I don't think we've met before. We have nice to meet you both but out of a total revenue standpoint. What's the breakdown of inpatient to outpatient for your organization. 20 20 80 or. My from. The. Out of the. So our gross patient revenue that we submitted in the budgets $44 million. Strictly outpatient of that is about 27 million. So. Our outpatient business is a little over half of the total revenue submitted. Inpatient if you combine inpatient and swings together. Is about 11 million so about 25% of our total. Revenue and then the remainder is the primary care practice which is. Just under 8 million of that 44 million. I'm sorry so it's impatient the. 11 11 million or the 27 million. 11. Okay. That's in gross. In gross. Yes. So roughly a quarter quarter inpatient to. 75% outpatient is where the breakdown is. Just just just more curiosity than anything. Yeah. Yeah. Great. Thank you. Seeing no public comment or questions I will turn it back to chair Foster. I think that's great for Susan. I don't know. Please correct me if that's. Correct. Yeah. No worries. So seeing no comments from the public we like to have the hospital get one more chance to kind of leave us with your parting thoughts and so we welcome to hear anything you want to leave us with today. No, I would just say, you know, we appreciate the opportunity to participate in this process. And I think we're really proud of the of our performance year over year, as well as the budget we submitted for your consideration. We really believe that it accurately reflects. You know what we need to continue to carry out our mission of taking care of our communities. And our patients and we believe that it's prudent. It's efficient. And I think it really reflects the local needs of the health care of this region and we are happy to answer any questions that come up after this morning and hopefully you'll give our budget. Thank you for your fair and considerate review. Thank you very much. And I think I might add not that it necessarily is specific to this budget but in Doug's initial comments for those of you that aren't really familiar with where Grace cottage is or how we're located in comparison with other hospitals. It's true that we're 19 miles north of Brato bro and a little over that. Southwest of Springfield, but if you ever looked at a map of southeastern Vermont and where we sit on that map compared to the next closest hospitals in the north of us. We're about an hour south of Rutland and it's an hour of the other direction. So it's it's the people that live in our the north service area in the north and west of us that. Because the question has come up many times over the years. Well, what do we need grace college for your only 19 miles from BMH? Well, a lot of the patients have already traveled to 45 minutes or more or an hour over back mountainous roads to get here. And if we weren't here, they got to drive the other half hour to get to Brato bro. So, you know, it's a it's a crucial spot in this service area to have this hospital centrally located the way it is. And with the rest of them so far away from a lot of those people, I drove an ambulance for when we owned one years ago for six years and let me tell you it's a long trip to get here from some of those locations, especially in bad weather. And when you're taking a patient from here to Brato bro in bad weather at 2am. All right. Well, thank you. I think at this point, we can adjourn until our next date, which will start promptly at 10. I don't know if we need to formally adjourn chair or how that part works. Yeah, we can all during the meeting until 10am and they'll be with Northwestern at 10.