Okay, recording is on. The volume is a little low. Okay. All right, good morning everybody. Thanks for connecting to the class today, BC310 on church and ministry administration. We're going to take a moment to pray together and then we'll start. Could somebody please lead us in prayer and we'll get started. Go and Asha, please pray. Dear God, thank you so much for your conditional love. Thank you for giving a breath of air in our lungs, Lord. And God, as we're about to learn about the CME Lord, that we need to grow and listen and knowledge, because Pastor is going to share, Lord, that you fill in with your spirit because we help us to understand what it is to know about CME Lord. Thank you, Lord, for everything. And I pray for each one of our classmates that they will, that their day will be amazing because you have made it and they will rejoice it and be glad. Thank you so much for each one of them. And thank you for our pastor, God, that you blessed him as a teacher and also help us to grow and listen and knowledge. In the name of God. Amen. Good morning everyone, amen. Thank you, everyone. So, we're coming towards the end of this course. We will have two lectures today and I think next week, two lectures will be done. We'll complete most of the things that I wanted to share in this course. Last week we were talking about finances and we were just going through various aspects about managing finances in the Christian organization, just sharing some practical things that we need to keep in mind. So, I'm just going to quickly review and then cover some of ground on finances. Then once we finish that, we're going to talk a little bit on the legal side. And not too much, but to share something on the legal side. And then we will get into project management or project execution. How do you execute projects and just some guidance on doing those kinds of things? So, I hope to cover these three things, three areas today. Let's quickly review what we did last week regarding finances, sorry, finance, accounting, and budgetary. So, all of us understand that in church administration, managing finances is very, very important. It's a very important part of the ministry. If that doesn't go right, the whole ministry would, very often the whole ministry would be affected, would collapse. And so, this is very important for us to do it right, to do it well. So, we looked at a biblical perspective as far as money for the ministry is concerned. Basically, we just share with people the vision God has given to us, serve people spiritually, just be sincere, serve them spiritually. Then God will move on their hearts to sow financially. We don't have to worry about it. Then when money starts coming in, we have to be a good steward of money. So, be a good steward even when you have small amounts, when people give you a small amount, be a good steward of it.  Be accountable to the people who have given. Never take people for granted. Whoever is given, say thank you, be accountable to them in whatever way you can. And also be accountable to the government. So, we have to, whatever was required by the government, we have to follow. Getting into the practical side, we said, make use of a software system. Don't try to do it on pen and paper, especially as the ministry grows, there are going to be a lot more transactions. So, use a software system. We spoke a little bit about how that works. We talked about having different fund accounts. That means you designate money to be used in different areas of the ministry. So, that's a gentle fund account where all the money goes. From there, you designate it to different funded accounts or ledger heads. And money that comes in, you can keep it under different heads so you know where it's coming from. Or when it's going out, when you're using it, again, you can keep it under respective heads so you know where the money is being used. We talked about having a finance department. Of course, we all start small initially. But over time, as the ministry grows, that particular department will also grow. You'll have more people involved. We talked about a two-person rule that throughout the accounting process have at least two people involved so that, you know, there's a ballot check there so nobody can misuse or mishandle money throughout the whole process. Everything, there are two people involved in this whole thing. So, we talked about receiving offerings and contributions, you know, having a procedure for counting the money, depositing it, recording it. And of course, nowadays people do electronic transfers so it goes directly into the bank account. And then also, wherever people request, you acknowledge their contributions. And then we made mention about policies and procedures. So, for different ways, different things that happen, you need to have clearly written policies and procedures. That means vendors. Before you start working with a vendor, there's a verification. The vendor has to provide certain information, you know, their identification number or maybe their pan card number or other things. Purchase process, that means purchases that are above a certain amount of money need to be approved by the right people. Disbursement, that is, the money that goes out. What is the procedure? You know, only against certain, only against bills. Will money be paid? If there are no bills, then payments will not happen. And the payment priority, so I said that we try to pay all our bills within three days from receiving it. Actually, it happens usually, usually happens within 24 hours, but we give maximum three working days, pay the bill, you know, don't delay beyond that. Payroll is a monthly salary for our staff and consultants. I said we have a strict rule that all our staff are paid either on the 30th or latest from the first, a consultant by the third of the month, you know, depending on them submitting their time sheets and so on. Expense claims, that is, if people, our staff, you know, spend money, their personal money for church related expense. Sometimes they're in a situation where they have to spend something, maybe for travel or something that has been approved. They can submit the bills and they will get reimbursed for that. That's for our staff, but it has to be pre-approved, so only certain things, you know, tax payments. So we pay as a church, we pay tax. Now, we don't pay tax on our tithes and offerings, on the money that we receive as contributions, but we pay tax of what is known as TDS, tax deduction at source. That means for all the payments we make, the salary payments we make, we have to deduct the TDS. When we pay our consultants, we have to deduct the TDS, or when we pay our vendors, there's a tax that has to be deducted, and then that amount has to be paid to the government. So it's called tax deduction at source. So all of that has to be accounted for, and we have to pay. Petty cash is when you give money, physical money, to people to spend, and we try to avoid it, to bring it down to almost, you know, negligible amount. So all our payments are electronic. We don't try to avoid dealing in cash, but in some cases, you know, like a sample of daily workers, they come and work for a few hours. Then those people, they would, they need to be paid cash, but then everything is accounted for. They have to sign a voucher, and then they have to give us an ID card ID also. So we know who that cash has gone to, that is all recorded. So we are very strict as even when it comes to using petty cash. So we went up till here last week, and I'm going to start from here to go forward, but let me pause here to see if there are any questions that came up, as all of you thought about this. Any questions before we go forward at this point, to just quickly run through what we did last week. Any questions? All right. So let's move ahead, cover some additional details. Very important is budgeting. That means you want to manage how the money is being spent. So you need to know how much money is coming in, and then how much money can you spend on various areas of the ministry. So we have a budget now. In the last two, during the pandemic basically, two and a half years, a lot of things went haywire in the sense that we did not do the normal ministries work that we would do. Everything came to a standstill. So this whole budget thing was no longer relevant during that period of time. So I am talking mainly before the pandemic and after the pandemic. So the pandemic, these budget things didn't matter. But generally, what we have is we know how much money comes in to the church on a monthly basis. And so that's the total offering contributions that come in. And then we know all the ideas of expenses. So starting from salaries of our staff, consultants, supporting so many churches outside Bangalore. In Bangalore, we have to pay the rent for all the places that we are meeting at. So there are all these expenses. And then there are various ministry areas, video conferences, printing of our books, music, and Bible college, several other areas. We go on missions, conferences, events, all these things are happening throughout the year. So we plan for the whole year, for example, by December of this year. So now it's November. By December of this year, we will send out a plan, which is all the things that plan, all the events we're going to do in 2023. So the whole calendar is published or released before December. So we know all the conferences, the events that are going to happen. Now, in that, there will be some things that come up during the year that will be planned later. Example, specific mission trips that we make around the country, those kinds of things are, that will happen during the course of the year. But otherwise, we have the plan for the whole year. And so because we know all the ministry areas, we know what is happening. We allocate certain amounts for all of these expenses. We know. So we can say for example, Christian Leaders Conference in Bangalore, this is the amount we're going to spend for, you know, for different other areas. This is the amount we're going to spend. And so we allocate that much money for each of these ministry areas and conferences. Now, when the ministry leaders go about their ministry's planning and organizing, doing the work, they know that this is the amount they've been allocated. So they have to work within that. Now, they will also present a proposal. So let's take an example. Suppose we're having a youth camp, a three day youth camp. So even before the youth camp, we tell the youth pastor and our events coordinator, this is the amount that you can spend for the youth camp. So they know that's what they have to work within that amount. Then they go and they get all the details. So this usually will happen three months before the actual event. So they will go get the details and the cost for the venue are all of these other things that need to be done to host the youth camp. So at least three months, maybe even before they will start planning, then they send a proposal with all the itemized things. So then we review that, make sure that it kind of matches with the total amount that we told them they could spend.  So we try to keep it within that amount. And so then we approve that. So then that's what they will spend. Now, in some cases, they may be a little over, they may go a little over by small amounts, that's okay. But we do not let them go over by large amounts. So maybe five thousand, ten thousand rupees. Okay, that's fine. But nothing more than that. So what's happening? We are managing how the money is being spent for every area of ministry. Then, so that's for events and programs. And then we also have, you know, when people give, they can give towards certain areas of ministry. So we have this listed that about 10 areas of ministry that people can give toward example, towards books, towards missions, towards supporting outreach churches, towards starting new churches. So all these towards our media ministry towards music ministry. So people could give towards it. And then if people give towards a specific ministry, that amount is designated for that particular use. So we don't move things money, you know, from one area ministry to another. No, if it's given for a particular ministry, it'll be used for that particular ministry. So that offering is allocated. And then that money is used for that area of ministry throughout the year. And as the months come, right? So having that, having a budget, knowing how much you're planning to spend for each area of ministry, allocating funds to special projects or special areas of ministry is very important. So that you manage your money properly, right? So budgeting is one very important way to manage church funds.  Then you have to think talk about budgeting. Yeah, we know where we're going to spend. We know how much we're going to spend. Everything is managed based on the budget that we have prepared for that year. Any questions on this? Everybody's clear how to, I mean, I'm just giving you a very quick overview. But is everybody clear on how you can manage your church funds, your church money? Or your ministry money? Okay. So another important part then, okay, thanks for your responses. I see that in the chat. Another important part of managing money is auditing. Auditing means basically checking, right? So the checking of all the funds of money coming in, money being used, everything has to be very tight. Otherwise, you know, money could get lost, meaning get lost, meaning it's being used and you don't know where it's going. So we have on a weekly basis. So we have an accountant in our full time accountant who is handling money, handling all these things inside. She makes payments to the vendors. She makes payments for people, expense claims, all of that is happening almost on a daily basis. And then on a weekly basis, we have an external accountant come in and he enters all that has happened. He enters into our software system. And he, of course, that's the first level at which checks happen.   And that happens on a weekly basis. Once a week, he's checking. Then there's a monthly audit. That means at the end of the month, everything that has happened for that month is checked once again, right? Everything is checked. And the tally of everything, what was there before we started the month? What is there at the end of the month? What was spent? What came in? What went out? Does it all match? So that is done again by this external accountant. He comes in and he does it. And then he sends me a report. So I will talk about the reports later. But the monthly audit results in what we call as monthly financial reports. That means the audit is done. The report is sent. So this has, we have a rule that the monthly audit has to be finished by the seventh of each month. So the first within a week, seven working days. So within seven working days, everything in the previous month is checked and audited. And you know, if there are any problems, he will alert. Usually there isn't any problems because on a weekly basis, it's being checked. So when you do the monthly audit, usually everything is fine. And then the reports are generated and reports are sent to me. So I can have a quick look how things were that month. Then there is, you know, every three months. There is every three months. So I put a chair every six months, but it could vary. Sometimes it's three months, sometimes six months, whatever is good for your operation. So every three months, there is an external account auditor, external accountant comes in. So now it's our internal full-time accountant. This accountant who comes weekly. And then there is another audit from an external another auditor comes in. So the three people said they look at everything. Right. So our internal accountant and this other accountant who comes in from outside, they present all the information and everything is checked one more time. Right. And then so that happens every quarter or sometimes in some organizations, they may do it once in every six months. And then at the end of each year, that means under every financial year, everything is audited, checked once again.  Again, the annual reports are generated and we publish the annual reports. That means we put it out on our website. The summary of the annual report is put out on the website for everybody to see. Right. Now this takes a lot of time. So usually by November, you know, they will start usually by July, it's ready. Then we go through all the internal checks and then we publish it sometime later, maybe by October, November, we publish it. But usually by, so the financial year ends in March and this whole annual audit takes time to go through everything. Usually by July, it's done. And then the reports are generated. Once everything's ready, then you put it up on our website. So it takes a little bit of time, but it's a thorough check of everything every year for the whole year. Right. So we have a weekly, we have a monthly, then we have quarterly, and then we have annual, not quarterly, could be semi-annual also in some cases. But these are auditing, I mean, these are checking everything. Right. So, and you're doing it more than two, our internal account and external account, and then you have another company auditing company firm that will do this. So literally you have three different checks happening to overall the accounts. So that way, you know, you make sure that everything is checked and everything is kept clean as far as the finances are concerned. The auditing, these checks help generate financial reports. So these, there are monthly reports and then there are annual reports. So on every month, within the seventh of the new month, I get two Excel sheets. One Excel sheet is the income and the expense. So it will show all the ways money came in, all the ways money went out. Right. And then we also have, I mean, we have a few tabs in that. We have another tab that shows where we keep a running track, a track of, you know, money. I get a snapshot of month-on-month income expense, year-on-year income expense from 2016 till today for the last six years, or 2014 onwards. So I can see how overall we're doing year by year, month-on-month. And so how was this month, that means the preceding month, compared to the last several years or towards the previous month? How are you doing as you're progressing through the year in comparison to the previous years? All that, in just one look at that sheet, a lot of information I can see. And that's important because then we know that, okay, you know, this is where things often actually we are doing fine or, you know, for whatever reason, things are not fine. But that, you know, thank God for his grace, that has never happened, you know, things have been always good for us in terms of finances, every year, month-on-month, and so on. So we're grateful to God for that. But you need to see that so you understand where things are financially. So these monthly reports are important. And then there's the two reports, one is the income expense, the other one is the receipts, basically all the monies, getting the details of where the monies came from, so on. Not the names of people, but how did the money come? Where did it go? Report as well. And then the other report, yeah, sorry, the, so those are monthly reports. And then you also get annual audited reports at the end of each year. This is like after it's checked, all everything is checked, we will get this report. And we have to sign off on it. That means we say, yeah, okay, to this report. And that is published on our church website. So if you go to this page, apcdb.org slash financials, you can see right from 2001 to the most latest audited report we published there. So these reports are important so that you know where the money is going, where it is, where it's being spent.  Sometimes if I feel that too much money has been spent somewhere, I would tell our accountant, hey, the administrator, we have to be careful, we need to cut down. So, you know, looking at these reports helps us manage things. So having a budget is good, very important. But then there are a lot of other expenses that happen, you know, day to day purchases, these all kinds of things. And so when you look at the monthly reports, you know, okay, where are we spending too much money unnecessarily in certain areas, we need to cut down on that. And so if you know, you need to keep a watch on these things. Now, this is not a lack of faith when we do these reports and have controls and budgeting. I think this is an expression of faith by being good stewards. You know, there are some people who don't like all this. They think, well, why you just have faith and just do it. It's true, we have faith, but God has called us to be stewards. And a steward means part of stewardship is accounting. It's keeping watch over what is happening. And so this is an expression of faith. It's being a good steward of what God has given you. Now, couple of other things before I close off this lesson on finances. What do you do with excess funds? Now, as a religious organization, other constitution, the rules of the organization do not permit us, as I mentioned last week, we cannot invest in any private business or private venture. The only thing we are allowed to do is bank fixed deposit. That means money's in the bank, you just leave it in the bank, put it in a fixed deposit, you can earn a little bit more interest. That's all. So or you can buy property for the church or the ministry. That's what our trust, our constitution allows us to do. So all excess money is put into fixed deposits, so it can earn a little bit more interest, and we take it out whenever and if there's a need. We cannot, we do not invest in any private businesses and so on. And so I would encourage you to have that discipline. Don't invest money in private businesses. Keep your ministry separate. Don't take money from the church and put it into some business. Under the pretext that, oh, I'm going to multiply it. I have seen, meaning, I've seen some instances here in India, but also when in the US, when churches, ministers took money out from their church, they tried to invest to say, we're going to grow the money, this, that, but it just ended up in a big mess and a lot of people were hurt because money was lost. So never do that with contributions with money that has been given willfully, freely by people. Another side, another note that I want to mention here is, as a baby, as a baby work at APC, we do not allow fundraising between ministries. We don't allow that kind of activity to go on in the church. Example, you know, we just mentioned to people, these are the areas you can give, and that's it. We keep quiet. Let people give to whatever area they want because we don't want different areas of ministries to be in competition with each other in order to raise funds. That's a very unhealthy environment. So right from the very beginning, we said that will not happen at APC. Whatever money comes in to the general fund, we will allocate and just use that money. And if people give particularly to a particular ministry, that's okay. So example, think about Bible college and think about our publications. So these are two areas of ministry. Money is needed. Sure. But we don't let any of these areas of ministry, the ministry leaders, people in charge, we don't let them pitch to the congregation, hey, I need so much money. And, you know, they do all these things trying to get money from people. We don't do any of that, right? Whatever money comes to the general fund, we allocate to different areas, including publications and including Bible college. And then we simply mention on our church website that if people want to, they can allocate whatever money they want to any of these areas, which includes, you know, publications, Bible college, or any of the other, we have 10 areas, they can, they can give directly, but we don't go, you know, doing fundraising for any of these areas. We just mentioned this is what is there you give. So somebody calls us and says, you know, I want to give money, where would you like it to be used? Then we just tell them, look, it's all here, you give wherever your heart feels you want to give.  So that way we prevent competition between ministries inside the church. And the last thing is, you know, we file income tax returns. That means whatever we need to file with the government, we do that. That means we inform the government, this is all the money that came in. Now, we don't pay tax on our income, like I mentioned, but we do pay tax on what we pay out of tax deduction at source that means for salaries and consultants and vendors, we have to do tax deduction at source, and then we have to pay that money to the government. So all of those things happen on a monthly basis, so that we are up to date with all our tax payments. We don't lag on anything. And it's all clear. So with that, I have just given you a quick overview of managing ministry money. This is a very important area. Now, I have spoken mainly from how we do things here in India. And I know that in other countries, things could be a little different. But I think the main point is to manage money carefully, follow the rules, keep everything in order so that the ministry funds, money given to the church is kept, is managed and handled properly. Any questions so far? Srikumar, please go ahead. Thank you, sir. I just want to know, do we also keep some money for emergency purpose other than the excess amount? Do we also in the budget, do we plan it like how do you know that the pandemic came suddenly, which is so in such cases, do we have something like that, that we keep little money for in case an emergency occurs? That's my question. Yeah, so what we have is what we call as a general fund, general operations fund or general church fund. That is all the, not all, but most of the surplus money is there. So that money can be taken and used anytime. Now, there's a certain amount in the current account, that means you can take it. And then there's a certain amount that's put in fixed deposit. That means you need to bring it out of fixed deposit in order to use it. But the answer to your question is yes. So there is money that's available in the general church fund. Usually we keep a minimum of three months of total expense in the general church fund. So that means so we know every month this is our average expense. This is how much money goes out every month. That amount times three, three months is the excess money that we always keep in our general church fund. So just as example, if all contributions drop to zero for whatever reason, which won't happen, but we can still run comfortably for another three months with that money, right? So nothing will stop. We'll still keep going. In addition to that, money above the three months is moved into what we recall as fixed deposit. That means that money can be taken out. And usually you can take it out within 24 hours. So that money is kept in fixed deposit so that that keeps earning a higher interest and we can take it out whenever we want. So that's how we have arranged this. And so that even if for whatever reason, there's a complete shutdown of income, three months, we will be able to run without any problems. We will also be able to take out money from the fixed deposit to keep things going if there was such a need. But I don't think there would be such a need. Yeah. Thank you, sir. One more. I don't understand. Apart from salary, are we also giving insurance for the pastors and the other employees, I just want to tell the insurance or anything, including their family members? Yeah. So as part of our benefit for full-time staff, so we don't do this for consultants. We do it only for full-time staff. For full-time staff, everybody gets health insurance only for the immediate families, not for the extended family. That immediate family means spouse and children. So they get health insurance. We don't cover the extended family. Extended family, they'll have to buy insurance on their own. But suppose the husband is working, then his wife and how many of our children they have, they're all covered. Health insurance is covered. That's one benefit. The second benefit is what in India, we call it the employee provident fund. In other parts of the world, they call it retirement fund. So every month, we contribute towards the employee retirement fund. So what happened? And this is all only for full-time staff, okay, not for consultants or for others. But full-time staff will also get this benefit. That means, and this is required actually, this is required by the government, that a certain percentage of the money is taken from the employee's salary and a certain percentage is matched or given by the organization. And that money is deposited into that employee's retirement fund or we call it, I mean, it's called a provident fund. And they can only take that money after they are 60 years old, or they can take it out if there's an emergency, but then there's a penalty there. So that's the second benefit. So basically, we are putting money in towards their retirement, which they can use after 60 years of age. So those are the two main benefits, financial benefits that we have for all our staff. Thank you, sir. All right, let's see other questions. Do you enjoy, there's a question from Kennedy, do you enjoy tax exemption on imports or projects, example, buying of church vans or on that? So the answer to the question is no. So we do have to pay the VAT or here in India, it's also called GST. We have to pay that on all purchases. So we are not exempt from that. So whatever we buy, even if you're buying it online, or if you're buying it physically, or, you know, we pay, for example, we pay some of our vendors overseas. So for example, for our web hosting, we host on Amazon, we, some vendors overseas, online vendors. So when we pay, we pay whatever tax we have to pay and so on. So both the VAT or in India, we call other things called GST, sales tax, we have to pay. And so we're not exempt from that. Yeah. Okay, any other questions? All right. So let me quickly go to the next chapter. I'll finish it quickly. It has to do with legal matters. So as much as we need to be good with our finance, accounting, budgeting, the next one is the legal. So we have to, you know, as we, because the church or the Christian ministry is a legal entity in the country, wherever it is operating, it has to be legally compliant in the way it operates and what it does and so on. So we have to follow the law. So not only in terms of the finances, but in what we do, how we operate. So for these matters, we have an advocated lawyer whom we consult. Now, of course, because we're a Christian organization, religious organization, we have a lawyer of that background of Christian faith. He understands us and, you know, he's not a staff or anything. He's an advisor and more like a consultant. So we pay for his legal advice and the work he does for us. But we go to him only as and when required. So that's one part. Now, so when it comes to example, as a legal entity, if we have to change the trustees or you would call it the board of directors, if there's a change there, then you have to register that legally. You have to inform the government that so-and-so has resigned and so-and-so has joined. You know, that change has to be legally recorded.  So you can't do that. It has to be legally registered. So we work with the advocate and he will help us do all the paperwork and so on. The other part is to record meetings in major distance. Of course, we don't record every meeting, but then we document any major decision has to be recorded just to keep the record. Now, of course today, all these things are done email and a lot of those things automatically are there for our recording purposes. But in times past, it had to be manually written in a book and in a book, a log book. And so we maintain a few things in the log book, but a lot of other things are happening in written form by email and documents and so on. I already mentioned about filings and compliance. Sometimes it hasn't happened recently, but in times past, the government will say, where is your money coming from? Yeah. And so then we have to respond to that. It's coming from our people. Of course, we don't know everybody's names and IDs, but generally, you can say congregation, there are so many people. This is where the money is coming from. So we have to respond to those things. Those are legal inquiries and we have to respond. And the government has a right to ask. They're not just asking as part of their checking process and we have to respond to that. If there are any property matters, especially when we want to purchase property, which we are in the process of, again, there's a whole legal side to it, we get the help of concerned, real estate advocates. So there are lawyers who know how to, then who are familiar with the laws of a religious organization of a trust. So that's one lawyer we talk to when we need advice on that. But for real estate, you have to go to a different kind of a lawyer and advocate to understand the legal side of things when it comes to property matters. So go to a different lawyer. So we have, so actually right now we have three different people. So one is an advocate who helps us with the organization as a whole. There are two other people who help us with property matters. So when you're looking to buying land property, they are the ones who can, they will check everything, they will advise us, guide us to give us their legal opinion and so on. And of course, you know, for lawyers who pay them their usual fees, for the professional fees, for giving you their advice. But this is also an important part of running your organization. So you find out such, find out good people and you work with them. The last part I want to mention here, the legal side is when there are, when there's persecution. So no, this has happened to some of our outreach churches. That is, when people come and attack the church, they try to disrupt the services so on. We should exercise our civil rights, that means the rights within being a citizen of the country, to protect ourselves, to protect our people. And so in this case, you need the help of lawyers who understand that aspect of the law. Now, in India, we have a network of these lawyers. That means there are these lawyers, there's, there's, there are a couple of organizations, Christian organizations. One is called ADF advocates in the defense of faith. ADF, they're a very good network of lawyers all around the country. And so like that, there is another organization called persecution relief. But we have worked with ADF on a few occasions when we needed the help. So we will call them and we will tell them, look, in this particular city, our church was attacked and we need your help. What should we do? So they will guide us to the lawyers in that area closest to that city. Because sometimes some of these churches are not close to a city, they're in a village or, you know, so then we speak to the lawyers, then it's okay, you know, this is what you do. This is how you file a petition in the police station. Or you file a report in the police station as being this format. This is what you have to write. This is what you document. So we've done that on multiple times with the help of those kind of lawyers.  This is whom you have to, this is what you have to do. This is the procedure. Because, you know, as, as ordinary people, we don't know these, how to do these things. So these lawyers will help us. And they may even write out the, you know, the documents for us. And then we go and submit in the police station, get the involvement of the local police, and so on. So that's another area, depending on, you know, if you need it, where you need the help of advocates or lawyers, right? So in the running of your organization, in purchasing property, in protecting your constitutional rights, for all these matters, you need good advocates. And so, you know, this is something to think about. And to make sure that you have these people, you don't need them all the time. But you need to have some con, you know, the names and numbers of these advocates who can help you, they need to know you. And then, if a situation arises, then you need to call them, you need to go meet with them, talk to them, and work with them so that they can guide you, have you, you know, you follow the rules, follow the law, and take care of these various matters. Okay. So I put this chapter more from a perspective of, look, this is an important part of what you need to do.  All right. And they will interpret the law for you and help you understand the law, and tell you what you can do, what you cannot do. This is how you follow the law. Okay. So before we go for a break, any questions on this, the legal side of things? All right. So, Kennedy, Kennedy's question is legally how do you handle noise pollution? Is it chargeable in a court of law in your case, and managing church distance between churches? So yeah, locally in our state, we have a law, or yeah, let's say it's a law about noise pollution. So we are, if we are having, so basically, all our events should be indoors, that means the speakers sound that we, you know, it's not, it should not be disturbing to the public. So, if there is noise pollution, the public has a right to file a complaint against us. I mean, any organization, whether it's church or mosque or any, any, we have to control that. So there's a law, and so we have to follow it. Now, of course, because all our events are held inside auditoriums, we are following the rules. We are not disturbing our neighbors or people around. If we were to have an event in public, then we need to get prior permission to do that. That means we need to go, we need to go to the nearest police station, tell them what we're doing, what we're having, and they would give us permission. If everything is okay, if they feel that we are going to be disturbance to the people, they will not give us permission because it's a law here that, you know, against noise pollution. So we have to follow the rules. So the safest thing is to be inside a closed auditorium where you are not disturbing anybody, sound is controlled, then there's no problem. Distance between churches, we don't have a rule on that. So there is no thing on that. But that's more of a conscious decision that we don't get close to another church of the same kind. There may be churches in, say, different language or of a different nature. But if you try not to plant our churches close to another church of, in the same spiritual charismatic type church, try to keep our distance. But there are no laws on that. Okay. Srikumar, you had a question? Yes, sir. I want to know, like most of us are not aware about our rights, especially in India, based on the, which like as you said, the constitutional rights, but we are having the most of the people just, you know, we are just ministering, just knowing that one thing it is there, but we don't know the details of that. And that is sometimes actually putting many of us in trouble because of the lack of ignorance.  I just want to know that, do we have something like that for your ministry in like as integral places and different places? Are you training the pastors like that, telling them these are the laws on which? Yes, that's my question. Thank you, sir. To answer a question, we don't, we ourselves, we don't do it. I mean, it's a good idea, actually, what you've just proposed. And I think we should do it. But we have not done something in-depth, you know, we ourselves, like as APC, we have not done something in-depth. So I think we should do it. But these organizations, like I mentioned, ADF and persecution, those organizations from time to time, they hold their awareness meetings where they invite, you know, they invite churches, organizations, Christian organizations who come and they inform people because they know the law, they're lawyers, they interpret, they understand, they read, you know, all the latest updates, and they communicate to the church what we should do. So that is useful to attend. And again, the other thing in India is things vary state to state. So, you know, in our state, there are, for example, anti-conversion laws. If you go just across the border, neighboring state, they don't have anti-conversion laws. So, state to state, we have to be careful how we operate. But ADF and these other organizations, they from time to time do this. We ourselves, as APC, we only, you know, informally inform, talk to our pastors, advise them, tell them to be careful what to do, what not to do. But we don't have, like, a formal written, you know, training on this. But I think it's a good idea. Maybe we should put something together. But I would prefer if, you know, an organization like ADF does it because they are, you know, they are lawyers and they can study the latest things, whereas for us, for us to keep up to date, it's better for us to learn from them, listen to them. Yeah. Thank you, sir. Thank you. Okay. So let's go for our break. And Abraham, I see a question in the chat, but right after break, we will pick up your question. Okay. We'll be back in 10 minutes. I know I've taken six minutes in the break, but take full 10 minutes and we'll be back. Thanks.


Let's go watch the whole thing here. Just quick, he comes in, and it's always kind of the same width. JyC, through all of this here, this whole thing, she hasn't changed her mouth. A bit of a change, that's a good change. But it's always kind of the same width here. I'll just give this a bit more, it's your opening shot show. So this should be really, really good and sell emotions and this different character stuff. Yeah, in terms of, it's a thinking character and it still feels a bit stiff. In terms of this, it's just kind of like a puppet. Like, body mechanics are better, but the thing, that's great, I still love that whole turn. Ooh, I love this, by the way. I don't know when you added this, but. That, going back, that dissipation is great. Same thing here, she's always kind of locked in this same shape, making this very stiff and puppet-like. He or she gets a bit too crazy as you're starting to show white. And it's like, ah! But there's a bit, a bit much. Again, she's locked in this shape all the time. That's weird. You're zooming in on this hand, that's a weird focus. So when the moment you start zooming in with the lens, you gotta go up to her face.  To be here. What you could also do is have some bits and pieces of the food. Just so we know, like right now, if, just in case someone forgot that there's a plate and doesn't understand what happened, so let me back here. I know this is orange is a good indication of what that is, right? But, just some crumbs here, so we understand. It was again, this is centered, it's weird. Like, I don't know what I'm looking at. So I would change the camera so that this is more your framing. Meaning that this is gonna end up being your center. You wanna show that there's an empty spot, if that makes sense. Otherwise, we're not quite sure what, where we're supposed to look. So a couple of crumbs and the focus. And again, you can cheat, you can just have this here. The bowl here, so it's in frame. And then you can have something like that. It's kinda in center. It works, you understand, it comes back. Puts it back down. Not sure you need this, I don't know why there's black frame, take that out. I don't think you need that anticipation. You can go straight to here. Oh, cut, straight into this. Picks up the phone. You don't need that anticipation with the hand. There's still nothing. What's weird about this is this angle. It just seems to be really, like a, hold on, let me just zoom in for myself. Symmetry frame, it doesn't have any lens information. So this looks like you're in a 35 or lower. I will make this the lens, the FOV, at least a 50, if not a 60, and you should be fine with a 65, even a 70. And then just translate the camera backwards to keep this framing. But it feels a bit distorted. It feels a bit of a weird, wide lens. Just to go back. Because the thing is, you can do quick cuts and like jump cuts where she hears something and grabs the phone and that's fine. Like we don't need the black frame to say, time has passed. For here, you might just, you might do the same thing. It works a bit better here, although you could do a fade out instead of a cut out. This has to move faster, just slow, okay? Again, I don't think you need it. You can easily cut, because we understand that time has passed here. I would do a version with taking all those black frames out. We're assuming she hears the phone. You know, we're always seeing this angle. I wonder if in this angle would be, if the camera would be here. And the phone is in the background still. You know, like imagine, right now we're looking at her. So imagine we're looking from this angle, stuff like that and the plate is in the foreground. She's here and in the background, we see the phone and she's looking behind Leon away from us. And the phone is still shaking. Just to give one more indication to the audience that that's the phone, that she's not now reacting to something else, just as a reminder. And that way it tells the audience, oh, look, look here. We are going to move over here, which then this makes more sense. And you could probably, you're zooming in here. So what I would do is I would bring this table over here, the window here, the wall will be here. She is here. Then this is here and the phone is still here. And that way we understand, ah, okay, in the shop before we saw the phone, here's the phone, we understand. She went there and then you can still kind of zoom in. Do a bit of a different move. I can help you with that later. That's too slow. I would go, like, you know, it's an animal, it's gonna be fast. He wants to eat and it knows he doesn't have time. She might come back at any time. So this would be all like twice as fast. That's all good. You know, anime ear, I don't know if I'm blocking, but yeah, okay, she gets that. Oh, too low. You might have to bring up the camera to here, here-ish, to give you his eyes here. That's what would happen, right? So you go this far up, this goes this far down. Yeah, that's better framing for his head. Too close to the border here. Here it's okay. Here I would actually leave the fade out. Because now this is a long time, it's a different story in a way, right? It's a different thing here. I think then it's okay. Dude, she's finally eating. And I would hold this. This is too fast. Hold this so we can, give it another two seconds. It's like, what's going on?  Like for the audience, we're thinking this. Okay, now she's eating. Okay, cute. Wait, that guy's over there.  Oh, she's really nice. And oh, and now they're eating together. You wanna have the time to think about that while seeing all this. So at least two more seconds of them eat. They can smile. She cannot, she can say yes. He can say yes. And then the end, all right? Thank you. All right, there's an email. You can sign up. You can start whenever you want. You can submit whatever you want. You get 16 submissions. Either way, a like and subscribe would be awesome. All right, thank you.


Hey guys, it's Nate A.K. The Foot Account, and welcome back to the channel. It's Monday, that means it's market outlook time. Let's take a look at what could happen this week on FIFA 21 with the market, the what if promo ending on Wednesday, more what if upgrades happening Wednesday, and of course the promo that we could be seeing on Friday. Since this what if promo ends on Wednesday has a lot of people expecting a promo on Friday, I think people are selling their cards right now because of that expectation with two for one packs being a part of that promo on Friday, and of course the yesterday market movements with the guaranteed what if SBC making a lot of people sell cards as well. So let's talk about that and talk about, again, I'm gonna start off with this what if stuff, like what is gonna be happening with these what if cards that are impacts right now. Now, of course, as I'm recording this, we had squad battle rewards supply about an hour ago, two hours ago, and a lot of these cards have dropped off an extra, honestly some of them 10%, if I'm looking across Mertens was like 990K, he's now 920, where Charleston was 15, he is now 1.39, Morales is under 1.1, Thalman is down a lot, Ricardo Pereya is down some, Deada is down, so some of these cards impacts and even the current team of the week have dropped off with supply from rewards that is adding tradable supply to this game. Now of course the market has been honestly destroyed, right, we are in the middle of a genuine market crash, if you look at a lot of these prices, Newhouse 136, Bastoni 186, James is down 40,000 coins, Saka is down, Ruben Diaz is down, all of these cards are down on the market because a combination of panic selling because people wanted to do that guaranteed what if player pack SBC yesterday, and I think people are starting to panic sell because they know that those two for one packs are in the code and they're gonna be coming soon, probably this coming Friday, we'll talk about that a little bit later, but as for what's going on right now, Kulusevsky was 500,000 coins, he's now 430K, I think that with the panic selling this week, you will see some cards rebound a little bit, Taylor Hernandez was 700K, he's already back to 750, Diego Carlos was 386, he's back to 400, Lozano was like 58590 this weekend, and he's 537, so there is a lot of selling on this market right now, there really is across the board, but there's also fluctuation, right, Joel Felix was 560 today, he's now 620, so there is, and also talking about fluctuations like that, yes that means you can trade in this market, I feel like that earlier, as I just sell a car right here, I bought both of these Vardys for 437, 440,000 coins, sold at 470 for a quick flip profit, not a lot of profit, but a nice little bit right there, there's stuff that is fluctuating on the market consistently and constantly, right, icons are one of those things that even in the weekend they sell off, especially with these moments, people are gonna be trying them out this week because that's something you can do on this week's game, and I think still with these brand new what if cards, they're moving around because people are trying them, I feel like the market's a bit more confident, even though stuff is really low, there is potential to flip stuff because these cards are rare, people wanna try them out, and I bought these on Saturday night for 260, sold them obviously yesterday on Sunday for 300,000 coins, so a nice little flip right there and I'm trying to do it again tonight with the reward supply, I bought Regulons at about high 170s, low 180 for these three, trying to get 200K from him because he was 230, 240 a weekend and he got kind of undercut and panic listed because Spurs did not hold a clean sheet, so I'm also flipping icon moments after I finished weekend league, I got this El Matador at 1.19 or 1.18 I think and right now he's about 1.3, so I should be able to get a nice 30, 40,000 coin flip out of this, but man, this guy is so fun to use, he's so good, the three star weak foot, who cares, I've scored some bangers with this guy, finishing off my week in the tonight after I'm done recording this, but again, back to this market, I do feel like it is, we're in a market crash, but also there's still people that are trying out cards and I do think that's gonna make for a pretty solid trading week this week, some of these really rare cards, look at these bids on Retralison expiring, I didn't have enough coins to bid on this guy, he was literally 1.55 and this Retralison has a game today on Monday, right? We have got Chelsea versus Everton, so we have active cards playing games, we have Leeds United versus West Ham, so you got the Raphinha, SBC, there are two games today that could impact what if cards and possibly, well probably not, unless there's a lot of goals, but one of the things that's happening this week is there are a lot of upgrades coming to the what if market, right? You've got two new upgrades that happened over the weekend, you've got Pepe, you've got Leroy Fair, you've got Chris Smalling, because they all held the clean sheets, you've got Marcelo that's getting an upgrade, that was already slated to get one, right? Headliners Tavernier is getting one as well, so a lot of upgrades and you also have guys like Sancho, who's one goal away from getting an upgrade too, a lot of upgrades are coming on Wednesday with these what if cards, that's gonna be interesting to watch, it's gonna be fun to watch, something to keep our eyes on of course, but I think you're gonna see some of these what ifs, of course they are getting sold off right now and they're getting supplied. I do think you'll see them bounce back a little bit because people seem to wanna try some of these out, right? Talvin at 235, I'm getting very interested in that because he was literally 320 at one point today. They had a cup game, so I don't honestly think that it was just pure people thinking that he was gonna score goals because people somewhat know that cup games don't count. So I'm kinda looking at Talvin and Regulon to see if they bounce back and with Charleston and Morales probably a little bit tonight as well just to see if they do bounce back but the rest of the market is just getting panic sold like crazy. Some of these cards are really, really taking a hit but I still do think there is some stuff that will rebound into the week this week. You're already seeing a bit of it. This one, all of them was 620 today, he's now 675 with Champions League and with Europa League games this week. I do think you'll see some of these cards bounce back with the Leroy Fair card kind of coming onto the scene getting that upgrade possible or going to an 87 on Wednesday. I'm kinda looking at this Quincy Promise card in the like the 130s, he was 130 flat earlier today. That was a really, really good price for this card. This guy was 160 when the Leroy Fair came out and on the weekend. So especially when that card gets upgraded people are kind of, I think right now people have sold a lot of their cards and that's why you're seeing this market crash. People are selling for two reasons. Number one, because of that guaranteed what if pack that came yesterday. I think a lot of people took this gamble because people are just addicted to these sorts of packs. 170K is a value of an SBC that people just love to do because it's doable, 85 rated squad, they're used to doing SBCs right now, that's the hype on this game. Fodder rose, the higher levels of fodder rose. 85s, 86s, 87s because you needed an 85 rated squad for this. This stuff did go up a really high amount, made fodder go up a really high amount and that is also what kind of caused some crash on the market coupled with weakening sell off and people expecting two for one packs. Now that's what I wanna talk about a little bit at the end what's coming on Friday because there's a lot of hype surrounding that but focusing on what is happening in the next day or two today on Monday I'm really expecting kind of a quiet content day, I really am. I think there's a possibility that they would release maybe the mid icon SBC again or they maybe switch it to like a mid or prime repeatable pack or I don't know if they'll do like a prime icon repeatable pack but we do not have a repeatable icon SBCs out right now. I don't know if EA is not gonna release one if they wanna keep it that way but that might be something I could see coming today or maybe a player SBC since they really love putting out these what if player SBCs they put on a lot of them. So I'm not sure if today on Monday is gonna be like a hype content day or if it's gonna be a quiet one. Obviously last Monday we had the big mid or prime player pick pack that came out and has not expired yet but I doubt we'll get a, I don't really think EA is gonna try to crash the market even more right now, we'll see. But I think today might be a quieter Monday we'll see what happens, what EA have up their sleeve. But especially into Tuesday, Wednesday and Thursday of this week with the what if promo ending maybe we get one more player SBC or two a couple what if challenge SBCs and then other than that I feel like the what if stuff's gonna kind of sizzle off we have some champions like stuff to talk about as well. You'll have UEFA marquee matchups of course coming out this week and again just mentioning these road to the finals especially for guys that have games on Tuesday and Wednesday. Well today first on Monday we've got Chelsea Everton leads West Ham so you've got a couple what if cards Conte, Retrylison and Rafinha potential upgrades with goals being scored in those games so keep an eye on Retrylison for sure. But I'm gonna look at guys like Dortmund, Sevilla Juventus and Nancy Porto I wanna look at these cards right even PSG Barcelona I know Barcelona are down four to one on aggregate and I know Leipzig are down what two to zero on aggregate as well but still keep an eye on some of these road to the final cards because that is where the hype is gonna be at this week a little bit like I'm Griezmann I think last night even though Barcelona are in the mud right they're down four one and it's not looking likely this Griezmann road to the final card is probably gonna fluctuate up a little bit he's even up right now he was like 260 earlier today people are eyeing this stuff of course as the games come you're gonna see more fluctuations with these cards and we're probably gonna be trading them later this week because that's where the hype is gonna be right especially with the market being crashing and being a little bit dead right now in a sense you wanna stick around the cards that are hype if you're trying to trade with special cards or if you're trying to make coins right now on this game you wanna try to stick with the cards that are hype icon moments are pretty hype right now because people are trying these cards out they're having fun playing games with these new cards that got pretty big boosts and there's a lot of hype around these moments cards right the new what if cards there's a lot of hype around these people buy them before their upgrades or buy them before they could possibly get wow one three three is that sitting oh my goodness that's really low for a Charleston goodness me anyways these are hype right now road to the finals are gonna be hyped in the mid week and of course there's gonna be a lot of questioning and a lot of you know well before we get to the questioning about the promo there's just hype about SBC fodder as well you're gonna be able to fluctuation trade SBC fodder because right now as I'm looking at SBCs on this game fodder has dropped a little bit with the rewards that have come out because the messy SBC was like 2.2 million coins earlier today and it is now only 2.01 you can see he was like 2.2 almost after the content dropped today because of the spike of SBC fodder and now of course it is back down so maybe you look at your higher rated fodder tonight and see if it rises back up into the week a little bit as people are working on the player of the month messy which I think a lot of people are doing messy because it's close enough to the team of the year and it's a lot cheaper it's literally half the price of the team of the year and that is something a lot of people are interested in a lot of people are doing that SBC so again for this market this week I'm gonna be sticking to either fluctuation trading on the fodder side of things trading with icon moments trading with out of pack special cards that are very rare what if and wrote to the final items even though the market seems like it's crashing and it seems pretty dead I think there are gonna be ways to make coins this week cause we will, well back to the wrote to the final items for a second we will see upgrades to wrote to the final items on Friday night of this week cause there will be some cards that will be completing their first stage the round of 16 and they'll be moving on to the next round and that will guarantee them another upgrade so whatever teams advance in the second leg we'll get an upgrade on Friday night so from the games this week of course you've got PSG, Barcelona, Liverpool, Leipzig and you've got Borussia Dortmund and Sevilla Juventus and FC Porto so the live items from those teams will be the ones that we're gonna look at this week then of course Europe League first leg coming on the Thursday of this week there won't be any upgrades to Europe League items until the next week because of course there's two different legs for those games and then of course it comes after they advance to the next round so the only upgrades now for all wrote to the final cards will happen after a team advances to the next round of the tournament no more like first leg upgrades or anything like that so just to kind of put that out there that's kind of what's going on in this market right now with the different sectors right people are trying icon moments they're trying out new what if cards which is why I'm sort of interested in Falvin tonight getting as low as he is because he was a hundred K up from where he was and yes this market is dead and it's crashing but people are still trying out the new card so that's why we try to stick to the hyped up areas that are on this game 235 man this is really really cheap for a French cam with decent stats so we'll see if he bounces back into the morning at all now I wanna talk about again why there is some panic selling not just because of that SBC that came out yesterday but because of this that was shown by Foot Watch yesterday now this is what people are calling Foot Player Days this promo was dropped last year as well at the beginning of March and they did two for one packs at that time and I think right now part of the weekend they sell off and part of the prices dropping across this game that were pretty substantial the reason why you saw that or one of the reasons why you saw that 258 from Boppe 319, 990, 475 crazy low prices on a lot of these rare cards the reason why I think you're seeing some of that is because of that pack code that was added for two for one packs being added to the game and of course people know that when two for one packs come people are gonna start opening packs with coins which drains coins off the market because nine times out of 10 when you're opening packs with coins even Orpheva points you're not making your money back but especially with coins if you're putting 100,000 coins down to open a 100K pack even though you may get one back EA turn the pack way down they know what they're doing they drop two for one packs the pack weight is not good they're not gonna give you good packs when they're giving you two packs for the price of one they're not gonna give you a good weight so you're just gonna see tons and tons of supply with the two for one packs coming out and I think that's what people are worried about right now and they're selling cards because of that so last year this was the promo that we got called the foot 20 player days they dropped Konami Bowl Libertadores man of the match and base items and packs and I don't know if you remember like the Konami Bowl Libertadores like promo team if you will they dropped like that Tevez card the Salvio there was some decent cards but it was overall just kind of an L of a promo but SBC Fodder got destroyed that weekend so I think people are in preparation for a lot of the market to go down because of that promo what the two for one packs could do for the market so I'm a little bit curious to see how the market reacts this week if it is a bit quiet and there's just people seem to be detached maybe from the game a bit because they're waiting for that two for one pack promo to kind of come out now instead of this year I don't know if they're gonna do the Konami Bowl stuff but they could do a best of right they've done this before in previous CFS as well where they will drop some of the best of promo cards or best of team of the week cards back into packs to entice people to make them want to even open those two for one packs so you maybe have guys like a select group of these rule breakers that could come back into packs or select group of like team of the week cards you know back in the summer heat or you know back in the summer days a FIFA 20 they did multiple different types of what they call them like batches right with special cards coming back into packs to make people want to open packs that could be happening this week as well and I think that's why you're seeing some sell off is because people might be looking forward to that or expecting that so this week could be a really really interesting week there's a lot going on with the potential promo on the weekend with the market in shambles and crashing the way that it is but still potential to trade because people are on the game trying icon moments doing swaps doing objectives and also doing SBC so there's a honestly there's kind of a lot to do right now and it feels like from a market perspective there's a lot to talk about so hopefully in this little market outlook video we covered a lot of what you guys were wanting to know and what to talk about today I feel like I covered all the basis right we have big time upgrades for what is coming on Wednesday and we'll dive into a lot of this stuff even more as we head into the week but you know I don't think you have to be scared about trading cards this week I do feel like you know there is going to be a little bit of panic maybe each day right before 6pm UK time with the content drop that's pretty normal if you have any of course league games that are happening throughout the week I don't know if there are many on like Tuesday no Wednesday I think there was a Premier League game you've got Sasuello Juventus and Napoli playing in the series you've got Sevilla playing mid-week on Wednesday oh sorry it's a wrong week never mind whoops JK you've got Manchester City Southampton playing in the mid-week on Wednesday and you've got the rest of it's just mostly you've got Bill Bowell playing in the week so Bercice potential what if upgrade there a league one game it looks like so there's Lavante playing on Friday so it's kind of a weird week in terms of we're kind of waiting for this promo of the potential buy one get one free the foot player days there'll probably be a lot more like leaks and speculation for that stuff across the week this week now one thing somebody was asking is could they drop any other big SBCs I don't know if you'll see I feel like the second week for promos for like team two or whatever is always a bit more quiet right this Malakuy SBC kind of overpriced Joe Hart actually just pretty overpriced too I was originally thinking I might do it for my team probably not but maybe we get one more guaranteed what if player if not maybe Tuesday potentially Wednesday that would be like our last chance I don't think they would drop it two days in a row but I really feel like it might be kind of a quieter week I just maybe EA did that really really big content week last week and this week they'll keep it kind of slower we'll have to find out and see honestly there's a lot of question marks on this week but whatever you like to do for trading there's plenty of options honestly the what if cards are gonna move around with some panic selling with potential upgrades and stuff like that with supply and people wanting to try them out of course icon moments SBC fodder is a great place to trade but if you have like cards in your team that you're seeing you're super duper down in price I mean we've got Neymar 540K Ronaldo is down almost 200,000 coins and Bape is 685 people are selling these cards because they think they're gonna be in packs and they're expecting a big market crash when those two for one packs do come out so that's why you're seeing a lot of the crash right now is just selling for that and that guaranteed what if pack SBC came out yesterday so that's kind of an update on the market outlook this week and why the market is crashing I wanted to kind of get into that so of course we're gonna take it day by day this week with the uploads and look and see what happens with what content EA drop because again if a lot of people have sold off then people are looking for prices to drop and people are looking to buy back so we'll talk about what the two for one pack supply could mean for every single card in the game fodder all the way up to icons later this week for sure but for right now it's kind of just like we're sitting and chilling and waiting for EA to either drop some content or to drop a little bit of nothing so that we can just know what's gonna happen to the market this week that's why I feel like this market outlook is just kind of all over the place because we're really waiting on EA to see what they could do with the content but 100% for sure this is a market crash and we are seeing a lot of prices that are down because people honestly are interested in SBCs mostly right now in this game so that's the market outlook for this week if you guys enjoyed it smash a thumbs up on a comment down below if you have any questions and subscribe if you're new it's been Nathan Foot account and I'll catch you guys later peace out.