lify to do this to get the two years and then the one year option? We have the same thing with our inclusionary ordinance that if somebody needs to move away for a period of time they're either going for a job or take care of somebody or a school or there's a period and they know they're gonna be likely to come back so they don't wanna sell their house and every one of these comes to the city council to actually make the final decision. It's not decided by staff. It's decided by the city council. There's no criteria really, there's no set. It's supposed to be a unique kind of emergency situation like needing to move for, you have an opportunity to move for a period of two or three years to take advantage of an opportunity and you wanna come back or maybe you have a tragedy in your family and you need to take it. But it's an unusual circumstance. It's not just, oh I wanna leave to try out another town to live in. There's gotta be a reason for moving and a reason to believe that you intend to come back. How do you prove it?  We have to accept what's told to us and make our best judgment and that's one of the reasons why it comes to the city council as well. So all you are also making your best judgment. And is the thousand dollars that he's referring to that's approximation of what the 60% AMI would be for that unit? I included a sample of a rent and income chart with the resolution and for a two bedroom unit, it would be $1,175 per month. And just so you know that they can rent either the main house or the ADU as a low income unit. And that if they have a tenant already that is over income, for example, in the ADU and that's the unit they want to be their low income unit, they don't have to kick the tenant out. They can continue to rent to the tenant and then they would give the affordable housing trust fund the difference between the low income rent and the rent that they're charging. So, and they also have, of course, the option to put a section eight tenant in the unit which is close to market rents. Council Member Chase. Yeah, well, I'm looking at the owner occupant requirements which is B2A where it asks for documents that show basically where you're living or not living. And that's more than I was required to do when I had to measure O unit. All I had to do was sign a letter that said I still lived there. So, I'm not sure that, I mean, this is already more than we're asking for most of our inclusionary requirements. Actually not, when you purchase your unit, you're required, you're required. I had a bunch of stuff to do then when I purchased it. Yeah. Annually I had one form that I signed. And that's the inclusionary program. Right. You can buy your inclusionary unit and the next day win the lottery. Right. And so it doesn't matter what your income is, the only thing is you have to sign a letter as part of the monitoring under penalty of perjury that you live in that unit. And we do the best, Jessica does the best of ability of monitoring. If we send you a letter and it comes back or something like that. That is exactly my point. So that this is more than what we're doing there. I get it. And the point is we are doing our best here to get people to prove it. And we're trying to increase the accessibility of lower income units for people to live here. And we have so little that we can do to create more opportunities for people to have places that are below market. I feel like every opportunity that we can take to do that, we need to do that. This is not gonna create a huge number. In fact, what only three people did this since 2014, which is disappointing. But it's three more units than were available, I guess before. I'd love for those units to be open to people with section eight and open to folks with lower income. I think it's an opportunity we have and we have so few of them. Can I, I just wanna clarify. We do with Measure O, we do also require a proof of homeowner's exemption right now as another layer of proof. But that same list that's in the owner occupancy for ADU is also in all the Measure O agreement. So we could ask for any number of those items. My point was not to criticize the Measure O program. My point was this is like most of the things that we do. We do our best to prove things and you never really can tell, right? Just to move the item along, I am also in favor of the owner occupancy requirement for ADUs, but this to me seems like a very limited exemption for a limited period of time for limited circumstances. And under those, we give a benefit of an exemption from the owner occupancy. What we get in return is affordability and that seems to me like a fair deal. So given that I'm prepared to support this recommendation. I'll second. Okay, so you have a motion and a second on the floor. How do you feel after the third year, if let's say someone gets in. It's two years. Well, you can get up to three years. You can ask for a third year and under the rules that we currently have in place, does that change at all? Yeah. No, it doesn't change at all. So you can ask for a third year exemption. So after the third year, then what? You're facing a choice. So how do we enforce that choice? At the end of the third year, we notify the owners that their time is coming up and they need to take a number of actions either to return to the property, to fulfill the owner occupancy requirement, to remove part of the accessory structure to accessory dwelling unit, to make it an accessory structure and then remove that requirement of owner occupancy or sell the house with the ADU to someone who will fulfill the owner occupancy requirement. So that's what I understood. It's nothing that, how do you feel about having some sort of, if there's a lien, is there a lien on the house in any way in terms of? Yes. This is recorded against the property and so if they are not in compliance, they will be against the lien on the property and also it can become a code enforcement action because they're supposed to be living in the unit. So let's say after the third year, if the lien also included some direction that they'd have to offer the home for sale to one of the tenants, they have right of first refusal. Would that be something that would be acceptable to the maker of the motion? That's going further than I'm prepared to go. This seems very straightforward. So I'd like to just stick with this. I guess I think of it as a slippery slope in regards to, we have this discussion coming up in regards to the idea of loosening the rules for ADUs in general in a future meeting. And one, if we start allowing people that leave and the terms on when someone might leave for an extended period of time for whatever reason vary, but then you start to have a situation where homes become more, they're all rental properties and there's no incentive maybe to maintain our residential housing stock. And so I think that to me is an important interest. I definitely, and I supported this back in 2014, I definitely want to have an opportunity when someone's life circumstances change, that there's some flexibility in our rules, but I also feel like there needs to be some sort of backstop on this so that it doesn't become a situation that melds into some of our other policies for more permanent rental housing. So I do feel it's important that we retain this concept that was at the outset of the accessory dwelling unit program and that was owner occupancy requirements. And I don't support the motion as written because I feel it does kind of stray from that. I think it's consistent. I should have been at the police department that they were talking about this and that was not just slippery, it was very greasy. Yeah. So I mean, if folks here are in agreement with it, I don't understand why it's another issue, but why staff would be bringing us this owner occupancy thing, if we don't want it, I guess we'll find out in the meetings that we're having soon. That's right. Any further discussion? Here we have a motion on the floor by Council Member Matthews and that was seconded by Vice, or seconded by Council Member Chase. All those in favor of the motion, please say aye. Aye. Those opposed? No. That motion passes with Council Member Cron and myself voting against Council Member Matthews, Council Member Chase and Vice Mayor Watkins and Council Member Naroyen voting in favor with Council Member Brown absent. Okay. Thank you. We'll move on to the next item, which is the approval of a request for an accessory dwelling unit. And that is, we heard from one of the speakers, now we have a policy that's layered on to that application. So I'd like to turn it over to staff again for the presentation. Yeah, thank you Mayor City Council. Here is the request for owner occupancy limited deferral for 426 and 428 San Juan Avenue. So brief recap of the history that I just recapped earlier. November 2014, the resolution establishing the limited deferral for owner occupancy was passed. The property owner submitted his request for a limited deferral on August 27th of this year. And then Council took direction on August 28th to ask staff to prepare the resolution with the affordability requirements. And staff did consult with city attorney Kandadi to determine if the affordability requirements requested by the council could be applied to this request and we received confirmation that it could. So that leads me to the staff recommendation, which is to approve the property owner's request and ask for affordability restrictions to be placed on that approval. There's also two alternate options that the city council could move forward with and that's to approve the limited deferral request without affordability restrictions and also the second alternate to deny the request. That's it, two slides. We'll turn it over again to members of the public or any members of the public that would like to speak to this item. Yes, thank you. I would like to request that the council essentially honor the agreements that were in place when I lodged the application for the deferral for my unit. So I had purchased my house with the ADU in 2013. I was at the time working over the hill. I've since received a immigration visa to Australia. I'm looking at going to Australia. And so I actually quit my job. And before I did that, I had had a meeting with Alex to discuss the deferral and the ordinance in depth and was essentially assured that there was not gonna be an affordability restriction requirement on either of the units. And so I had been making my decisions and my financial decisions with that in mind. And so now I paid the $2,800 plus application fee and that was on the 27th. I hadn't heard anything for three weeks and I contacted Alex and he told me that Rachel was working on it. And so then I sort of was trying to figure out what was happening because it was the overall process. I was told this to take four to six weeks. And that's when I heard about this affordability requirement that had been brought up at the previous council meeting. So essentially in this case, I'm just requesting that it should not apply and that should apply in the future when people know when they make the request that it will be a requirement as opposed to making it a requirement after the request has been placed. Thank you. Are there any other members of the public that wish to speak to this item? Seeing none, I'll bring it back to the council, council member Cron. How much was the application fee again? 2,800 is what I heard. 2,800 to $53. What do you get for that? It's that's a question for Alex Corey, I think. It's the same application as fee as a variance. It's a variance from our code and you get the right to come to the city council and request the referral. Oh, but it's not based on like the amount of time it takes staff to go through paperwork and... Well, it is, it's the same application as a variance. So yes, it's the same fee that we put in the time writing the staff report, researching what is being proposed and making a recommendation, yes. Thank you. Last question. If he went the section eight route, what would he expect to get? The current fair market rents were updated by HUD for 2019 and I believe it's in the neighborhood of 2,400 a month for a two bedroom unit, fair market rent. I have a question because it just came to my mind after we covered 14, but under the policy for these limited deferrals, do we make a distinction if let's say a family member were to be residing in that that's not necessarily owner but related? It just will be treating that as someone, just any member of the public. I don't think we make a distinction if the renter is to be a family member, if the property owner wishes to put a family member on their deed as an equal or majority share owner then they could fulfill the owner or occupancy requirements.  So we heard from one member of the public who has this application in, it was submitted prior to any of these changes and what I understood is he was given instructions before he made any decisions that the current ordinance was in effect and he wasn't gonna change. That's how it was characterized. The property owner has been talking to me for quite a few months about this and so when he did submit the application I was unaware that the council had even directed staff to provide these affordability restrictions until Jessica mentioned it to me while we were getting ready to prepare for the staff report and then we notified the property owner immediately. So, but when he applied, yes, there were no affordability requirements and staff was unaware that we were even thinking of those requirements. Go ahead, councilmember. I'll split the baby here. Yeah. I support the action we just took but I know in the past we've also said that we allow applications to proceed under the regulations that were in effect at the time they were submitted and I think what's clear here is right left hand didn't even know what was going on here and so just in the interest of fairness I'd be prepared to move alternate one. I'll second that but before we kind of vote on it I'd like to ask you as the applicant to come back up again and see while you're walking up what do you do after the three or two years or up? What are your plans? Because if you are working and you don't come back what are you gonna address this issue but that we do have an owner occupancy requirement for ADUs? Well, the owner occupancy requirement is not new to me. The affordability requirement was but in this intervening time between lodging my application I've been running through a whole bunch of different scenarios of what I would do and one of the things would be possibly if I were you know if the case I come back it just solves the problem there's no problem I come back I move into one of the two so it would only be an issue if I were to not come back and so I had looked actually talking with my sister to get to your family question. She lives in Southern California as a teacher and she was thinking about possibly moving back up this area and so that would be a case where I would put another person on the deed or the title as a 50-50 owner or something along those lines. Then I also know that there's a requirement if you are essentially have power of attorney over someone and it's sort of like a caretaker situation then that would possibly be a situation too that I could use it if maybe one of my parents wanted to move into it or something along those lines. But I am totally also on board with the sort of neighborhood cohesion and not wanting to just turn these things into sort of turnover rental sort of situations which is actually when I read the ordinance and I actually had sent Alex a letter is that I really agreed with it because you don't want just sort of tenant turnover in these neighborhoods and but in the situation with mine I've actually put a lot of work that's what's in that one binders. It's like I have like $70,000 in receipts of stuff that I put into the house as I was working and so it's actually, I've gotten a bunch of nice comments about it from the neighbors. All right, thank you for answering the question. I appreciate you thinking ahead about that. And if you don't bring in a family member hopefully you've sold to someone locally. Yeah, that would be the idea. That's the one thing with the 80s is awesome. Well, you can't, yeah, just think of that. Okay, so we have a motion on the floor by Council Member Matthews which I supported any further discussion? All those in favor, please say aye. Aye. That passes with- Didn't ask for no's. Any no's. I heard I didn't see any so I didn't. Council Member Brown absent, passes unanimously with Council Member Brown absent. Okay, we are on to item number 16 which is the 1930 Ocean Street extension item and I'll turn it over to Lee Butler, I believe. Good afternoon, Mayor and Council Members or good evening now. This is something, a project that was thoroughly debated a couple of meetings ago and this is just a formality with the paperwork to provide you with the first reading for the map change that the Council authorized us to move forward with and we're available for any questions you may have. I have no question. Is there any member of the public that wishes to speak to item number 16? Item number 16. Seeing none, I'll bring it back to the Council for discussions and action. I'm prepared to move the recommendation. Okay. Is there a second? Second. Okay, Council Member Chase with motion, Council Member Naroyan in the second. All those in favor? I just want to make a comment before you, you know. You know, there's a lot of neighbors that came before us. They didn't want 32 units. They didn't want 40 units. So I'm just going to stick with my no on this because I think it's a bad development and a bad precedent for Santa Cruz. Okay, thank you. So all those in favor with the motion on the floor, please say aye. Aye. Those opposed? No. Okay, that motion passes with Council Member Crone voting against and Council Member Matthews, Council Member Chase, Council Member Naroyan, Vice Mayor Watkins and myself in favor, Council Member Brown is absent. Okay, now we're up to the long-awaited downtown maintenance overview item. This is item number 17. Thank you for your patience. Good afternoon, Mayor and members of the City Council. The purpose of today's downtown maintenance overview, and I should say this is Bonnie Lipscomb, Director of Economic Development. The purpose of today's downtown maintenance overview is to provide you with an update and a snapshot of the current downtown maintenance practices, conditions and needs, including some of the major stakeholders involved, both for providing service, both public and private. It's also an identification of data gaps that we have around maintenance downtown, and then some takeaways today from the data that we've collected so far. And we've actually been able to move forward on two things that were identified from the data gaps, which is pretty exciting. Why we're doing this. Downtown is a heart of our community and also our primary concentrated commercial retail and central business district, home to our diverse and eclectic mix of businesses, retail, restaurants, professional offices, services and restaurants. It's a special and unique environment that also provides cultural, civic and social pursuits and is a major destination for residents within the region and visitors from around the world. For the long-term success of downtown, it's critical to provide a clean, safe and welcoming environment. As we are planning for a substantial amount of housing development and up to an additional 1,000 or more people living in our downtown, it's very timely to look at our practices and our needs for long-term downtown maintenance and cleanliness and develop a plan for future success. Next steps include today is just a snapshot of where we are in this moment of time and sort of the assessment of downtown maintenance. And next steps include development of future coordinated maintenance plan as well as an analysis of funding mechanisms and recommendations. And with that, I'll turn it over to a staff presentation of Amanda and Rebecca. All right, good afternoon. Amanda Rotello, Principal Management Analyst for Economic Development. I'm Rebecca Unit, Business Liaison for the Economic Development Department. And this has been a real multi-departmental community-engaged process. So with us, we have a representation from Parks and Rec and Public Works as well as the DTA, which will be presenting along with us. So this is today's presentation. These are the topics that we'll be covering and we're aspiring to move quickly so that we can get to your discussion. And Mayor, if it's all right with you, we can do questions at the end just so we can get through it. Okay, great. So what are we talking about when we're talking about maintenance in the downtown? We're looking at this image and all of the elements that make up a streetscape, banners and lighting and public art and graffiti and benches and infrastructure of various kinds and signage, all of this makes up our downtown and it all needs to be maintained and cleaned and cared for. And it all contributes to the overall feeling of the downtown. Yeah. And looking at our downtown, one of the things that we feel is really important, to say is that it is an urban environment. And so while we, as you'll see with our presentation, there's a lot of maintenance happening in the downtown, there's also just a high level of usage. We can scrub the sidewalks one morning and there's coffee spilled on at the afternoon. So just recognizing that is one of the challenges that we have. And so as Bonnie said, the first step is really just to get a grasp on what's happening now and then making that second step of looking at how we can improve the system or create new systems to better provide a higher level of service. As I mentioned in the staff report, we're looking at kind of, I like to distinguish between these three areas. The first is ongoing maintenance. So that's scheduled maintenance happening in the downtown. There's a schedule that happens certain days of week and this is being provided by city departments as well as outside entities that we contract with like Uncle Poop's pet waste removal or our graffiti contractor, the Hope Services team that's out there. So this is ongoing maintenance that's happening and this is a lot of what we have budgeted for. We're setting up funds specifically for this ongoing maintenance. And then the second category is calls for service. So this is calls for issues that are coming up kind of outside of the ongoing scheduled maintenance. And the highest ones would be pet and human waste removal in the downtown, spills on sidewalks and then offensive graffiti tags would be things that we would call in someone go out and tend to immediately. And really we're pulling both funds and staff capacity sort of out of our ongoing maintenance pools to really do these calls for service. And then the final category here is repairs, replacements and beautification. So looking at those street elements, the infrastructure in the downtown, this bench I like to call the Christmas bench because as you can see it's red and green. And so this would be a potential candidate for either replacement or painting. And so that kind of falls into that category there. So the first thing we did with ongoing maintenance is look at what is our current schedule of maintenance in the downtown. So this is the first place we started talking to staff, who is downtown doing what at what time. And what we learned from this, as you can see is there's a lot of maintenance happening in the morning. And this in large part is due to the fact that we want maintenance to kind of be done and out of the way before businesses start opening and we're seeing the higher level of visitors in our downtown. But you can see, for example, litter pickup, which is being done by Parks and Rec, Hope Services and downtown streets team. It's all happening in the morning. And so by the afternoon, if issues have come up, there's no scheduled maintenance that happens later in the day. The other thing that we learned is weekends there's just not a lot of scheduled maintenance happening there. And that's part of our highest traffic time in the downtown. My favorite slide. The next thing we looked at is where's the funds coming from? And as you can see, it's really a web of different sources. And the one thing we learned from this sort of research is there's no one department or entity responsible for maintenance in the downtown. There are multiple departments and groups that hold pieces of it and are responsible for certain parts of maintenance. And really this has been informed by changes of funding or funding going away. And so the city being strategic and scrappy and looking to where we can find funding and staff. I mean, all of these arrows represent both funding and also people going out and performing that work. And the one other thing I'll say about this particular slide is I think this also just really demonstrates how much resources we are putting in the downtown. In the research we've been doing and talking with city staff who are involved with that, there's a lot of hands involved and a lot of people who really care about making our downtown beautiful. So yeah, and with that I'll hand it over to Rebecca to talk a little bit about some of the data we pulled together. Yeah, so just in terms of looking at the data that we do have, we run a graffiti abatement program and that produces a lot of data. So looking specifically at Pacific Avenue in the downtown, we see that we take care of a lot of tags. And I think that this is a really exciting statistic because this program is so effective and we're able to keep the street looking good and abating those tags. Something that we also have data for is our pet and human waste removal in the downtown. So this is a contract with Uncle Poops from the Downtown Management Corporation. And so he goes out and does a daily route throughout the CRM district, which is Pacific Avenue on the side streets. And something that we can clearly tell from the data is that there's potentially residents who are taking their pets into the downtown and leaving their waste behind. So that's something that we've learned from this is that we need to do some follow-up with those housing developments, residential developments, specifically around Cathcart and Pacific. There's clearly some groupings there. So we can look at that and see about addressing some of those challenges. And then from the human waste, just looking at how we can better do some resources. So the pet versus human waste, the pet is significantly larger in terms of pickup numbers and the, but the human waste is the highest impact to our downtown businesses and visitors. And that's the thing that we hear the most from businesses. So looking at how we can better address those and maybe identifying some resources. Something that we also learned was our downtown sidewalk scrubber, we have a schedule and previously it was a little bit hard for the public to find. It was on several different pages. So we looked at creating one page that shows you everything so you know when your sidewalk is gonna be cleaned. And then in looking at that, we also noticed that there was a gap in coverage on Walnut and Lincoln, those streets weren't getting cleaned. So we were able to quickly just make that change and add that into the scrubbing schedule. But it's also important to note something that we've also learned is that some of these areas are only getting cleaned once a month. And so, and that's because of staffing or time capacity. And so looking at how we can further bolster that program and be able to provide that cleaning. And if I could just make a point with this one. One of the things that we did learn is that the Public Works parking division is taking on a huge line share of the sort of maintenance in the downtown. And this was one of the things, ways that they adapted just with already with things that we're learning. And you know, there's just a great team over there and they already moved to say, okay, let's add it onto the schedule. So I just wanted to make note that that staff is really working hard and as we're seeing results already. So something else that we've frequently talked about with our partners with the DTA and the DMC and our various departments is just the responsibilities and roles in the downtown and who's responsible for the various aspects. So thinking about private property and businesses are required to take care of their alcoves and cafe extensions. Sidewalks are technically responsibility of property owners, but the city has largely taken that on in the downtown and we've sort of gone above and beyond on managing those. And then there's challenges for the businesses in terms of regulations, stormwater requirements for how they can clean the sidewalks in terms of catching the water that runs off. So the city as a public entity, we typically have more of those resources. We have the sidewalk scrubbers. We have an understanding of those regulations and so that's where we step in and we're able to take on those tasks. So as part of this approach and in understanding the downtown maintenance program, Amanda and I and our intern at the time went out and spent a few hours just cataloging the downtown, taking a point in time look at what's the current state of things? What are we seeing are the constant issues and sort of logging that and putting some criteria in place around priorities and who the departments are that are responsible. And so we've been working with public works and parks department to look at these items that we've collected and that's gonna be for their discussion. And so then we created this huge source of data that we could pull some trends from. And so some of the things that we learned from that, those areas that we were assigning high priority to that the two pieces that really just kind of roads to the top was sidewalk cleanliness and scratched infrastructure, just infrastructure that was looking worn down. And one of the things that we learned with like the sidewalks below benches, the sidewalks, rubbers can access those. And we currently only have funding for them to be pressure washed three to four times a year. So you can see that those would end up being sort of a tired place if we just can't get to them on a regular basis. And regarding infrastructure, again, that challenge of you straighten the ballard and then a car hits it and it's lopsided. And because those are on a more annual, we're addressing those on a more annual basis, there can be points in time where things are feeling a little worn down. And again, that's a real reflection on just staff capacity and funding again. The other thing we started looking at are these sort of elements, these one-off elements in our downtown, things like the irrigation box on the left-hand side, which is part of that three to four times a year pressure washing.  And I think we'd like to see those removed as they are kind of part of some visual clutter and aren't really being captured in some of the, being taken care of and maintained in a way that is positive reflection on our downtown. And then the newspaper racks, which are owned, the owners of the newspaper racks are responsible and we do reach out periodically to say, hey, these are broken, the windows are smashed in but there has been some just low responsiveness. And again, this is just in our downtown that just doesn't have a great feel to it. And so now I'd like to hand it over to the Downtown Association who performed some research for us about what's happening in other downtowns. Good evening, Council Chip, the Executive Director of the Downtown Association. And I want to thank you for taking a look at this issue. It's wonderful to see your eyes on the downtown. And I want to thank staff for including us in the presentation. We're a big fan of not reinventing the wheel. So we spent some time looking at other downtowns and comfortable with downtowns. And we worked with Sage. I'm sorry, I'm just facing Sage's last name. So I'll let her introduce herself. And Sage worked as our research associate and did some great research around the state. So I'm going to hand it over to her and she'll tell you briefly her findings. Council, okay, how's that? All right, so we just begun a study to look at how other cities are addressing these challenges that come with downtown maintenance. So our method for this study was to conduct interviews with other business districts, which we identified as sharing similar commercial rent values as our downtown business district, as well as reviewing their budgets and operations reports. And what we found is that downtown maintenance is a challenge for every city, but there's no single way to go about addressing it. However, business districts often play an important role in augmenting base-level services provided by public works. So I had an opportunity to speak with downtown Berkeley and Telegraph Avenue business districts, as well as Long Beach, San Luis Obispo, Fresno, and Santa Barbara. And they also reported success augmenting these base-level services. So who actually ends up doing this work are downtown cleaning ambassadors who are able to provide a range of services from sidewalk cleaning to beautification measures, landscaping, cleaning of street furniture, human animal waste removal, litter abatement, just depending on the needs of that particular district. What I also found is that funding for supplemental services often come from a variety of sources. It can often be city revenue from general or enterprise funds, commonly parking revenue, sometimes a partial transit or occupancy taxes, and private grants. But most commonly, this revenue comes from business and property assessments to provide supplemental downtown maintenance services. So the cost of these cleaning services can vary depending on the size of the business district, as well as the individual needs. So in each instance, you can see that downtown maintenance costs are often the largest ticket item on each of these business district's budgets per year. However, in each district, these stakeholders often reported satisfaction with the results of the augmented downtown cleaning services funded by a self-assessment to compensate for deficiencies in the baseline services provided by Public Works. Wonderful. Thank you. And so kind of the last piece of the puzzle is coordination. How are we coordinating maintenance? On a regular scheduled maintenance, that's just on a schedule, and so it moves along, but the calls for service. In the past, it's been city staff walking downtown, seeing things that need to be addressed, texts from CHIP and DTA staff sort of alerting us to issues that are happening in the downtown. But within the last couple of weeks, we've launched both the city app, CRISP, and in coordination with the downtown ambassador program, the C-Click Fix app. And really, this is providing just a whole new level of ways to call in issues that we're seeing. I mean, already it's been amazing, just the amount of calls that we've seen and the information from the eyes on the streets, ambassadors that are able to provide to staff, which has been quite amazing. And really, this is also gonna provide a huge source of data, so we can really target where the issues are, how often they're happening. So I think we have really high hopes for how the coordination can be better, can be more effective via these apps. And as I mentioned before, the flip side, the challenge for us is staff capacity and funding to be able to be responsive to all of these issues that are being reported to us. So what's next? I have a couple of things that we'd like to just put out there for your discussion. The first is what can we learn from the data? As Rebecca mentioned, we're seeing that pet waste is concentrated in front of some of the housing developments downtown. So how can we perform outreach and education to kind of help with some of that abatement? Is there a way to expand our street scrubber routes so that they're happening more often to address street cleaning and of course identify the funding to make that happen. And then better scheduling of coordination of the litter abatement, as I saw in one of my first slides was, it's all happening in the morning. Can we stagger it to have just a little more impact from our scheduled maintenance and then fill in the data gaps, which we're hoping to do with C-Click Fixed and CRISP. We'd also like to complete the funding analysis. So you saw that web of arrows, we'd like to attach numbers to those arrows so that we can really see how much we are spending in our downtown. And that can help us to inform that conversation around creating a dedicated maintenance funding. And then also informing the staff capacity considerations, especially when it comes to calls for service. And finally, as Rebecca also brought up, better address the human waste removals in the downtown that it kind of requires special tools and expertise around safe removal and in different parts of our downtown, how can we better address that and provide staff with resources to be most effective at that. And then the possibility of creating some sort of contract for sidewalk pressure washing to really be respectful and in compliance with the stormwater best practice management. And then finally, we just wanted to make note that the DTA is exploring a potential beautification program. So there's possibility of partnering for that as well. And with that, we'll turn it over to you for questions. Thanks. Is there any member of the public that has any questions on these items? Okay, I'd like to first bring it back to Councilman for a discussion and any action. I just have a quick question. You're good. Have you, in terms of the slide that had the bench and the photo booth, have you thought about or have you considered, yeah, partnering with the Arts Council potentially to look at some art and ways that we could beautify in that way? Yes, we've talked about with the arts partner Beth Tobi about a couple of ways to kind of engage the Arts Council. One of them, we're looking at trash cans. Is there a way to have a new trash can that would maybe have some art on it? Her feeling is that the Arts Commission is really looking at how to reduce visual clutter and so wanting to really simplify some of the downtown street furniture and that having just a lot of art in places that would be kind of adding to that clutter as opposed to kind of simplifying the look of the downtown. But certainly that's something we could look at. Council Member Matthews. And honestly trash cans tend to get gunk dripping down on them, you don't want that, but good idea. But I think we got a comment month ago or so about the state of the sidewalks on Metro, which were beyond gunky. And they're obviously not ours, but is there a way of engaging them constructively on getting their sidewalks cleaned? Sidewalks. Oh, all along from Pacific over to front, just where people wait and then all the benches just take a look sometime, really bad. So I just bring that up. That's part of the, it's not our responsibility, but it's adjacent. I mean, I think to your point, I think a lot of this is education and outreach with some of our partners about who's responsible for what and really kind of bringing people along with us and recognizing that we're all responsible. And I think I mentioned to some people many, many years ago, Larry Pearson came up with the business owners' rights and responsibilities or something. I bet he's got it in his computer. But anyway, if we can find that, and it was exactly that, we'll do this and we expect you to do that. And that's, I think that's the ethic maybe you're shooting for again. Yes, no? Do you have those in your file? It's the code of conduct, yes, it's on our website. It's on your website. Cool, excellent.  I saw someone using that one in front of Peach today. I think that we, Rebecca and I, during our assessment, I think there's maybe five or six in the downtown. I do see more. More of a drag than anything. Yes, I mean, we would love council support to remove those. So, and then I will just raise the sandwich board issue too. Firstly, that was a topic of discussion. We said we'll do the blade signs, you know, that's our part of the deal. And the placement of those, not a whole lot of businesses do it, but they know they're not supposed to. I think to me that's part of the visual clutter thing. The real estate people are not supposed to do it too. They just do it on weekends, because nobody's enforcing it. Downtown?  That might be it. Well, anyway, I just raised the issue. Okay, do you have any? No, those are my comments. Okay, do you have any, Martine? I was just thinking if we are increasing, density downtown and there's gonna be more residents and they do have pets, we'd be helpful to probably plan for what that could look like in terms of a pet ride or I don't know, some sort of process. Put it in their rental agreements. No, seriously, it's not an infinite number of housing developments downtown in your rental. If you have a pet, responsible, pick up. If there's a possibility for them providing, bag doggie bags at the door, that's not right. Yeah, but it's definitely something to consider as we have more residents coming on. Chris? Yeah, I love the, I think we should preserve at least two of those phone booths because they're already relics.  Seriously. Sorry to point you look. Historical. A few things that I really love, I love the piece of art in front of O'Neill's. My kids have always played on it, people play the drums there, stuff like that, that doesn't, you know, it doesn't show that it's, you know, old or bad or whatever. And it still gets played on by many kids, use it as like a small kids, use it as a slide. The Glow Festival the other night, they left a nice wide opening for people who were just passing by and didn't know what's happening to see it. I really appreciated that. The Green Bike Lane, I really appreciate all the musicians I personally love, even though I don't love them all, the music they play, but the fact that they're there.  Oh my God, it's always up and open. And like, what's going on here? It's grease. Dripping gunk. How do they get, this is years in the making and they never take care of it. And I've never understood it. The old Tampico's sewer, yeah, the catalyst also, the sewer frequently smells at that little place there. And I don't know if they've ever never tried to fix it or I know they've tried to fix it, but it still smells along Pacific Avenue and the alley on the side of the old Tampico's. I always thought it was a tragedy that they made David a chocolate take down all of his beautiful greenery. That was a huge mistake. And also not requiring the metro to have vegetation that lot of theirs is just the eyesore. And maybe something's gonna go on there, maybe not, maybe in a year, maybe in 10 years, but something should be, they should be required to have some green space there.  It's very poorly placed and there's no bikes there ever. That's really, and bathrooms. I just think we could use some more bathrooms along Pacific with people of access to them. Thank you. I just have one, I'm sorry, I have one additional, because I heard it from somebody that the stairwells, sometimes are there cleaning that happen in some of the stairwells? There is cleaning that happens on a routine basis, but there has been some staffing challenges there. So, yeah, that's something that we've logged as well. I just wanna say that I appreciate you bringing forward this report because it gives a kind of an indication of where we are and where we maybe need to go by working with the downtown associates and all the local businesses. I think one of the things I'd like to see is with those lines of funding sources, how do you have a more coordinated approach so you have a single point? I don't know if it's economic development, but when we think about the parks department, they have different regions and superintendents that's responsible for kind of an overview of that particular area. And it might be a good idea to think about our downtown as really kind of a district within our city that needs some more specialized oversight because with that many different sets of groups that are looking at it, I mean, each one might have their own priority, but when they're missing the bigger picture by seeing how it all fits together, someone forwarded me an article from about 10 years ago that Wallace Bain wrote, and I guess it was 50 years ago in the fall that the Pacific Garden Mall was first proposed. This is like an anniversary and the council made direction about how we landscape and how we do it in a comprehensive way and how we do it. And I think sometimes by knowing what we're doing helps us to kind of have a bigger vision for what we want to see in terms of the street infrastructure, the types of facilities that are there because as we start to add more people down there and more housing, I mean, we want to maintain the best of what we have but also move forward and make the types of improvements that are still going to make it a really desirable destination for people. So I hope we keep this up like we have some regular reportings, not just on the maintenance, but also kind of how we want to see our downtown as it progresses in the future. One thing that came up that I felt is something that we do need to look at is as these assessment districts that Chip mentioned, sometimes when we think about adding new housings, how do we add on like these types of, whether it be not just direction to the leases about how they manage their conduct in the downtown, but maybe how as a new facility, they help fund infrastructure that goes on downtown. We saw down at the end of Pacific Avenue with the Swanson project that we put requirements that they have trash receptacles that went out there, that there would be kind of more street infrastructure that also happened, I think, in the project that's going on up at Upper Pacific and making sure that we're kind of not losing sight of that when there's a development project that maybe is reviewed by economic development to kind of look at that in conjunction maybe with a downtown to see what kind of needs there are so they can be folded into any sort of improvements that we're contemplating in the downtown. But I really appreciate this and hopefully you come back with not just the gaps, but where if we need to fund more, I think this is a priority for us as a city and I think we should be looking at this is a true investment in our downtown and all the businesses down there and not just something that's secondary. It shouldn't be something that's like a, an informational report, it's really something that's a core city service and it's a primary destination for residents and it's also something we want to look at and making sure that we continue to nurture and not neglect. If I could just add, and that's part of what we would like to come back with is part of the identification of the gaps is recommendations for addressing some of those gaps going forward and hopefully streamlining some of the funding sources that we have now that are going towards the overall beautification. Just a couple of quick comments. Thank you. This was a great start. We're all looking now. Thank you for the data. The data too. And just picking up on Chris's comment about the roll-up door. There are a couple others downtown that I did. I mean, you walk by and they just, you know, they're highly functional but those could be steam cleaned every now and then to something like that. What I'd say is we took a tour of all the, what are they called? The trash enclosures. Trash enclosures, yeah, with our sanitation and refuse team. So we're talking about ways that we can sort of enforce the expectations of businesses that use them to maintain them. So we agree and that's something that we're looking at. And then I guess if any of us have bright ideas, we just get in touch with you guys. Please do. Yeah, we would welcome, finally. When is downtown cleanup day? Oh yeah. Well, thank you for asking. We're actually rebranded it. It's downtown beautification day. And it's November 13th in the morning and we'll be doing, Amanda mentioned in the presentation, we're working on a beautification program where we're working to really encourage businesses and business owners to do planters and planter boxes in front of this store and we're recruiting volunteers through our website downtownsandercruise.com to help beautify downtown, clean it up, get it ready for a fun, festive holiday season. So I'm sure I'll see you all there. I look forward to it. Thank you so much again for the opportunity. Thank you. And thank you for the presentation. Thank you. Thank you. I have a couple more items actually, believe it or not. So the item 18, I think we're going to review the meeting calendar. I don't see any changes other than what's listed there. Okay. Any comments on the meeting calendar? And then 19, I think we'll defer to the next meeting. That's like a report out on activities since the last meeting. And if you don't mind, okay. And then at this point, the council will be adjourning to the closed session in the courtyard conference room. And before we do so, are there any other members of the public who would like to speak to the item listed on the closed session agenda? Seeing none, I will adjourn this meeting to the courtyard conference room where the council will go into its closed session regarding a SEIU local 521 negotiations. It's an hour beyond. Yeah, we do have to talk. Hour and a half, David. Well, no.


How to make a narcissist fall in love with you. This video is for educational purposes only. Using this information for practical purposes could be considered highly manipulative. And it is likely to make a narcissist fall in love with you against their will. How to make them develop a deep romantic and sexual attachment to you. How to make them very attracted to you and begin to love you. Making a narcissist fall in love with you. Is actually very simple. Although first we must understand what love is like for a narcissist. Narcissists don't experience much emotional depth. Their emotions are very shallow. Their idea of love is very superficial. It's based on what exists on the surface. Your physical appearance. How you make them feel. What you can do for their image or reputation.  It's not about connecting to you. It's about using you for their own needs. A narcissist will never experience real love. But in their minds, that's what they think it is. They think they're in love with you. By following the information in this video. You won't really be making the narcissist fall in love with you as a person. Because you will be changing who you are. Real love exists when two people are able to be themselves. When two people are able to be vulnerable with each other. Which is something that a narcissist can never do. And it's also something that we can never do around a narcissist. Which is why no narcissist will ever experience real love. But this is as close as it gets for them. And I will show you how to do it in this video. To make a narcissist fall in love with you. You have to do what they did to you. You have to mirror them. You have to appeal to their ideals. And to be everything that they like or are interested in. Mimic the way they think and feel. Mimic the way they act and behave. Mimic that mannerisms. Until you become very familiar to them. While also keeping enough distance away from them. When you get close to the narcissist. They will get bored. They will begin to lose interest. But if you distance yourself enough. It will keep them chasing you. The narcissist does everything they can to get you attached to them. And if you don't let that happen. They're forced to attach themselves to you. To try to pull you back in. They become fixated on you. It keeps them chasing after you. Until it becomes an obsession. Until you preoccupy and fill their minds with trouble in an extent. Because by mirroring them.  It makes them see you as an extension of them. Something that they cannot live without.  To get that part of themselves back. Which is why the quickest and easiest way to making narcissists fall in love with you. Is by mirroring them. Appealing to their interests or ideals. Being everything that they want to see. You have to get to know what they like. And then be that. Agree with everything they say. Act like you're on the same page. But then distance yourself. Because as soon as the narcissist thinks they've got you. They're going to lose interest. Narcissists always want what they can't have. They will do whatever it takes to grab your attention. But once they've got it. They will lose interest. They will want nothing to do with you. Everything they do. Is designed only to get your attention. It's not designed to keep you around. Because they're not really interested in relationships. They're not really interested in anything deep or meaningful. They just want attention. They just want something to feed their egos. So all you really have to do. Is give them what they want. Be everything that they would want to see. Mirror their interest and ideals. But don't show too much interest in them. Don't let them feel like they've already got you. Because narcissists instantly lose appreciation in anything. Once they feel like they've already got it. Once they feel like something already belongs to them. It instantly loses its value and becomes worthless. They only see value in things that they don't already possess. The truth is that narcissists don't really like people who are interested in them. As soon as they know you're interested. As soon as they know they've got you. That's when they lose interest in you. Because deep down they hate themselves. And they think that anyone who likes them.  It must be someone who isn't anything good. Because in their minds. If you are worth anything. You wouldn't want to be around them. You wouldn't be talking to them. Whereas someone with self-worth. Would believe that the opposite is true. They would see it as though. Anyone who is interested in them. Must be an amazing person. Because they love themselves. They see themselves as someone. Who is a person of high. Someone a person of high caliber. Would gravitate towards. So to make the narcissist fall in love with you. You cannot show too much interest in them. Because that will only push them away. That will only make them see you as something worthless. Or insignificant. For even desiring to be involved with them. When you distance yourself from the narcissist. It makes them feel like they have something to prove to you. They have to win you over. No narcissist wants to sit around. Reflecting on how worthless they really feel. So they will do whatever it takes to prove to you. That they are something great. When you distance yourself. The narcissist will chase after you. And this might make you want to give in. But as soon as you do. They will only lose interest in you.  You have to continue being distant. Forever. Because as soon as you show interest in the narcissist. They are going to lose interest in you. It's a really sad way of existing. And their relationships are really meaningless and pointless. But this is just how it has to be. When you are involved with a narcissist. They must always feel like they don't have you. They must always feel like you don't belong to them. And that is what will keep them chasing after you. But at the same time. You have to continue mirroring them. You have to be everything that they want to see. Will not actually be in theirs.  Like you are the missing piece of their puzzle. Something they've been looking for their entire lives. But as soon as you give yourself to them. As soon as you give them the missing piece. That is when the puzzle is solved. And there is no desire or need for them to continue their investigation. There's no more mystery. So they will lose interest in you. To keep a narcissist in love with you. It has to be a never ending game. A never ending puzzle. You have to be something that they can never comprehend or understand. You have to be something that they can never figure out. Thank you for watching. I hope this video is with you. Please like, comment, share and subscribe. Click the bell icon to receive notifications for my future videos. Check out the new Narc Survival website at www.narcsurvival.uk Where you can read my blog posts, bug coaching sessions and join a support forum. If you would like to donate, my PayPal link is in the video description. Coaching inquiries, you can email me at coaching at narcsurvival.uk Thank you for watching and I'll talk to you soon.


FACTIONAL LEADER OF THE PEOPLE'S DEMOCRATIC PARTY IN AKITI STATE, SENATOR ABYODU OLUJIMI, SAYS MOVES TO RECONSIDER WIRING GROUPS AND CONSOLIDATE ON THE OUTCOME OF THE SOUTHWEST CONGRESS OF THE PARTY, HOW STARTED IMMEDIATELY. WHILE ADDRESSING NEWSEMAN IN ADU AKITI, SENATOR OLUJIMI SAYS THE OUTCOME OF THE SOUTHWEST CONGRESS HELD IN OSHOBU WITH ELECTED FORMER DEPUTY GOVERNOR OF OYO STATE, TOAFIK ARRABACHA, AS THE NEW SOUTHWEST CHAIRMAN, MEANING A NEW DONN IN PDP. OLUJIMI ALSO SAID THAT THE OUTCOME OF THE CONGRESS MEANED THERE IS UNITY IN THE PARTY AT THE ZONAL AND STATE LEVELS. COMMENTING ON THE CRISIS ROCKING DAY AKITI PDP, THE LAWMAKER SAID THE RECONSOLIATION PROCESS WILL BEGIN THIS WEEK. The South West, five over six, because we were all together. We worked together as a group. We had elders that were respected. We had followers that were very good and we had leaders that were selfless and we believe that is what to do going forward. This is a time for us now to do a great analysis and a dissection of what went wrong and be able to bring everybody together and knit it together. Of course, the major persona in all of this is former governor function and I will employ him as a statesman to look at the bigger picture, the bigger picture of PDP, like when it came in because the national reconciliation committee is involved in all of this. We are going to start from tomorrow to look at it again and as soon as it is resolved, if it is resolved by Thursday, every court case will be taken out of the court by Friday. Hello, hope you enjoyed the news. Please do subscribe to our YouTube channel and don't forget to hit the notification button so you get notified about fresh news updates.


So aside from obviously our thing we love the most are films and acting, right? But take cinema and acting away. What are some of the things that you like the most in artistic expression we've seen from India? Is it the music? Is it the dancing? That would be like for you the next best, appreciate like the one that's wowed you and you like the most? You may not. No, I just thought of it. Renbeer's abs. Or. Alexis would agree. And you post, Ta-da! Twitter. Twitter. Oh, thanks folks. I'll post the description below. That's pushed some air up on top, right? Today we're acting to a tourism video. That's my favorite art form. Tourism. Tourism. Oh, cool. This is called Andaman and Nicobar Islands. Oh. So I'm guessing these are Andaman Islands I've heard of. I have. I have, I've heard. Like I don't, I could never tell you where, what, anything, but I've heard of it. They're in India. Thanks for that. You said you didn't know. So just trying to help out here. What is it? Ottoman Empire. The Ottoman Empire? Yeah. The Roman Empire, but with Ottomans? O-T-T-O-M-A-N, the Ottoman Empire. Who came up with the name Ottoman?  The Ottoman. Here we go. That looks pretty. Looks like Hawaii. It's an island. It is? I love stuff like that, man. Oh, I love that. When the water is super smooth and this ship is just barely wrinkling it. Oh my God. Yeah, I wanna go. Yeah. You don't have to show me. I just got the chills. You don't gotta show me anymore. I'm putting on that right there. I go to Goa when you can go here. Drone guy. It's fricking gorgeous. Gorgeous.  I'm gonna find out where these are. Let's see. Oh no, they're way out there. Is that part of India? Yeah, it's in the Bay of Bengal. It's just southeast of Kolkata. Yeah, but it's closer to... It's closer to Thailand. Thailand and... So India owns it? It's the border between the Andaman Sea and the Bay of Bengal. Wow. Is this part of... It's a pretty decent island. Like in terms of size. Yeah, size, it's very... It's not wide, but it's really, really long. Andaman. Wow. Okay, so it's that. I mean, I guess that wouldn't be too different from Hawaii, right? Oh my goodness, I was just realizing when you've got cyclones that form the Bay of Bengal. Oof. How close is this to that island that's kind of like lost in time? I think it's around here. Don't know how the natives are like that. Why is this Indian? It looks like it's so much closer to Thailand. I mean, they probably just... They've been around longer? Yeah, I guess it's just one of those things where it's just, it's owned right there. I mean, we didn't own Hawaii, but we got it. Right, exactly. There's stuff like that. Boy, is that, that was without question. I mean, and it's a credit to the cinematography, but that is one of the most beautiful places I've ever seen. I don't really have to do anything to make it look good. Oh my goodness. I just, I just really... I mean, you had me at Ocean, so my favorite place to be is at the, any shoreline. Put me in the water, put my feet in the shoreline anywhere, and I'm happy. Andaman and Nicobar Islands is a union territory of India consisting of 572 islands of which 38 are inhabited. That's awesome. I wanna go to the other 530 something. The territory is about 93 miles north or 150 kilometers of Eka in Indonesia and separated from Thailand and Myanmar with the Andaman Sea. When did India, I don't know if you wanna claim it? Yeah, how long has it been a union territory of India? I'm guessing when Great Britain had the place. They just said, yeah, we'll take that too. So beautiful. My guess is probably like a six hour flight from India. Well, I'm depending on where you're coming from. Yeah, well, not even know because like the flight from Mumbai to Kolkata is only about two and a half hours. And that's crisscross the country. So depending on what part of, I mean, it looks like if you're up near Delhi or you're up farther like near the Wagga border coming from Amritsar or Jaipur, it would be the longer, that would be the longer flight coming from the total northwest portion of India. Approximately four and a half hours to get from Tamil Nadu to the islands. Yeah, so around four and a half. It's about from Tamil Nadu. It's almost like here to Hawaii, almost. Yeah, I was gonna say, if that's from Tamil Nadu, then yeah, you were right, saying a six hour flight from say up northwest. Because from Los Angeles to Hawaii, it's five and a half to get to the island. Flying LA to Hawaii is about the same distance of flying LA to New York, which is about the same distance as flying New York to London. Yeah. Essentially. Essentially. That was beautiful. Gorgeous. Man, I would love to go there one day. What a gorgeous, gorgeous place. How many of you have actually been there? Yeah. Or are there? Yeah, are you there? Do we have, I don't know.  Let us know. Let us know. Down below and invite us. Yeah. Welcome. Josh!


And welcome to this CUBE conversation from the CUBE studios in Palo Alto, California. I'm your host, Sonia Tagare. And today we're joined by Lee Phillips, president and CEO of Saviour Life. Lee, welcome to the CUBE. Hi, thanks so much for having me. Absolutely. So tell us more about Saviour Life and how it works. So Saviour Life is a nonprofit organization. We work nationally, but we're based here in San Francisco. And our mission is to help working American families to save money and to invest in themselves and their futures. So we do that by making it engaging, rewarding and fun for people to start saving and leveraging financial technology to achieve scale. And you were previously known as Earn. So what spurred this change in branding? Well, it was more than a change in branding. It was actually a big shift towards technology. So Earn, or now known as Saviour Life, has actually been around since 2001. So we are not new. We're not a startup. We've been helping low to moderate income working families to save money for a long time. But what we've realized in recent years is that the size of the problem is really quite significant. So about half of American families don't have $400. So they couldn't cover a $400 expense without having to borrow the money. As Earn, we were helping a lot of families here in the Bay Area, but maybe a thousand families a year at our peak. And when you have half of America that's financially insecure, we knew that the solution that we had wasn't big enough. So a couple of years ago, the organization decided to make a pivot and to make a pivot towards technology. I came on board about four and a half years ago to lead that transition. And we launched Saviour Life as a product and we reached a quarter of a million people in a couple years and decided that the people know best and that we would rebrand the whole organization as Saviour Life. So that's kind of how that came about. That's awesome. So who is Saviour Life specifically targeting and are there any specific challenges with this target group? So Saviour Life is specifically targeting working American families, mostly low income families. So as I mentioned, financial insecurity is a really big problem here in the U.S. And so we hear about that a lot in the news about income inequality, wealth inequality. But one of the most troubling statistics is came out from the Federal Reserve Bank that found that about 42% of American families couldn't cover a $400 expense without going into debt. And that's an issue that affects lots of people in different ways. So Saviour Life is really targeting low income people who are struggling to save money and need a little help getting started with that. So most of our clients are women. They're all across the United States and on average make about $25,000 a year or less. So let's talk about the current savings crisis in America. According to Bankrate, 28% of Americans don't have emergency savings and only 18% of Americans can live off their savings for only six months. So tell us more about this crisis and what do you think the underlying issue is? Yeah, it's a great question and there are many issues that play into that and most of them are systemic, the way that people are making money and the gap between income and expenses. So what we see is that larger numbers of people don't have basic emergency savings and what that means is that you can't get through a financial emergency, right? And so that can have a real downward spiral effect on your life.  Like a lot of people don't. And so you miss a couple of days of income or you get a flat tire or a parking ticket. Those are the types of things that can really spiral out of control. So then you lose income, then you can't pay your rent, you're at risk of eviction and all of these other problems. So what we know is that having relatively small amount of money, so even just $250 to $750 in savings is found to reduce those risks of things like eviction or falling behind on bills and utilities really significantly. So we're focused on getting people to that point so that they can get through challenges. So one of the big things that we see in our population isn't just that wages are low, which remains a really big problem in the US right now, but that income is really inconsistent. So if you're making an hourly wage job and maybe you work in retail or you work in a warehouse or something like that and you drive for Uber, whatever the case may be, your money that's coming in, you're not getting the same amount of money in your paycheck every two weeks, right? Like many of us do. And in fact, for saver life clients, we're seeing these swings of income of around $1,000 a month, month over month. So sometimes you earn more and sometimes you earn less. So in that scenario, it's really hard to stay on track towards saving because you don't know how much money's coming in and then you're getting hit with all of these increasing expenses at the same time. Right. And can you tell us a little bit about how people can save their way to financial independence. Is it viable and how have challenges changed since the disappearance of defined benefit retirement packages? Yeah, so it is possible, but it's challenging. And I do think that we need to be aware of those kind of bigger issues, right? And to focus on helping people have more consistency in their income and reducing some of those large expenses, whether or not in the Bay Area, obviously the cost of housing, medical care, childcare, transportation, all of these things that are really holding families back. But the good news is that people are remarkable. People are resilient and people are remarkable. And I can share a couple of stories with you about that. So at SavourLife, we encourage people to save with prizes and cash rewards, right? So we make it really easy for people to get started. We also have a really supportive online community. So this is an issue that affects half of us, right? It's not something that people should be ashamed of. This is a really big and endemic issue here in the US. So we don't judge people, you know, it's all about starting small and starting today. So what we do at SavourLife is encourage people to save what they can, when they can, and then we use behavioral economics to design programmatic interventions, so features on the website that encourage people to save. So you can save five bucks a week, if that's what works for you, and then you have the chance to win prizes. We also do a tax time quest, so that's happening right now. So tax season is one of the times when people will get a larger infusion of cash, right? Particularly lower income people who may be a qualified for tax credits and other benefits. So what we do is encourage people to save a portion of that refund. So we ask people to start thinking about it before they get the refund, right? That's really clear, because once the money is in, it's usually already spent.  You can win prizes just for pledging. And what we found is that getting people to think about and commit to savings resulted last year and 80% of those people actually putting money into savings and saving on average $1,600 from the tax refunds. Wow, that's incredible. I love how you're incentivizing this whole savings thing because that essentially just makes people want to do it more. Yeah. So how should people bucket their savings? Should they have an emergency fund, a college fund, a retirement fund? How should they do that? So what we find at Save Our Life or what we promote is the idea that your money should really align with your values and what's important to you and what you want to achieve for yourself and for your family. So we don't tell people what to save for and we don't tell them what to spend their money on, right? So the biggest thing that people save for with the program is emergencies. So really having that financial cushion so that your car breaks down or whatever the case may be, you can take care of it without going into debt, right? Because that's the cycle that we want to avoid. But then we also see people really staying on track to save for big goals. And unsurprisingly, those are still the kind of goals that we talk about a lot in this country. So an education for yourself or for your children and home ownership, those remain kind of the most popular things that people are focused on. So when it comes to prioritizing how you should save, like especially for someone who's just coming off that one paycheck away from the street kind of, space, how would you recommend prioritizing your savings? So we focus on building a savings habit. That's kind of the number one thing that we want people to really think about. So putting money away as consistently as you can, it's really the behavior change that we're looking to see. And that's why we encourage people to make those small incremental steps. But we also know that life has a lot of ups and downs, right, particularly for people who are, as you say, living paycheck to paycheck. And so what we see in our data is that families are often making two deposits in one withdrawal. So they're putting money away. And then they're using that money when they need it to get through emergencies. So that's kind of the first thing that we really look to do is once you have that savings habit, and we know it's hard to do that, especially if you're not making a lot of money at this moment, but that's really whatever you can save to get into that habit of putting it away. And do you think people are more at risk of being paycheck away from being on the street or one big bill away from being on the street? Yeah, absolutely. Many people are. And especially here in the Bay Area, right, when life is extremely expensive, that the cost of housing is out of control and there's other expenses that people have to deal with. And then if you layer on top of that, that inconsistency in people's income, not making a regular amount of money, you're putting a lot of people in a very, very perilous situation. Right. So let's talk about financial empowerment. You were leading the Office of Financial Empowerment in the city and county of San Francisco. So tell us more about financial empowerment and why it's important for people to have it. So I started working for the city. I was there for about 11 years and before there was a thing called financial empowerment. And we started working on a range of programs. I worked for the San Francisco Treasurer. And what we're really looking to do is use the influence of the city and the municipal government to try and make a more fair and equitable financial system for people in San Francisco. So we started with programs like Bank on San Francisco, which was access to banking for everybody. So the idea that everyone should be able to have a safe and affordable place to keep their money and to save their money. So that was a program we worked on there. And then we went on to launch the country's first universal children's savings program. So today, every single kindergartner, actually today every single elementary school student in San Francisco has a savings account open for them by the city and county to encourage families to save early and often for college. So when we think about financial empowerment and how local government plays a role, we're really looking at a couple of things. So do you have the ability to have a safe place to keep your money and deposit your paycheck, pay your bills in a way that's affordable, that doesn't have high fees and it's transparent? So that's the first thing. Do you have access to financial education and coaching if you need it? So the city now has quite a robust individual financial coaching and counseling program that they run. Are you able to save and invest in your future? So save for college, save for home ownership, save for those big things, be a small business owner. And then the fourth thing is, are your assets protected? So are we protecting you from predatory practices that can deplete your wealth? And why did you decide to go from the city, from a public organization to a more private organization like SaverLife? You know, it was an interesting story. So we had worked with SaverLife when it was known as OWN at the city. So the organization was actually really closely partnered with us. So I knew them and I knew their work. So there was a couple of reasons. I became really intrigued by this idea that being here in Silicon Valley, we really should start putting the types of technology that are so transformative, really putting that to work for everybody, right? And I had been an advisor on an advisory board to a for-profit fintech startup and I thought, oh, if we could take that type of tech and use it to help low-income people build wealth in the U.S., that could be really transformative. So that was the first reason. The second reason was really thinking about the scope of this problem. And when you work for the local government, you see that trajectory, that the traffic ticket that turned into a lost driver's license that turned into a lost job that turned into an eviction. Right? Like you see those types of issues play out over and over in people's lives. So the idea that half of America doesn't have 400, 500 bucks and we could actually do something about that was really impactful to me. And then the third reason was, you know, I loved working for the San Francisco Treasurer, who's amazing, but I kind of felt as a woman that I wanted to lead an organization in my own right. And that I had challenged myself that I had a personal goal, that if the opportunity came up to be that leader, that I was going to challenge myself to take it. And so when the opportunity came up, I just went for it. And what challenges did you face to become the CEO?   And so is that kind of, you know, that saying about Ginger Rogers doing everything that Fred Astaire did, but backwards and in heels is kind of like that, right? You're trying to solve really, really, really big problems that are deeply entrenched, like half of America doesn't have 400 bucks. There's a lot of reasons for that, right? And then you're trying to do it by cobbling together philanthropic resources to make that happen. So I think that was a challenge, like would it be a success? And then at the time this organization was making in the midst of this massive transformation, you know. So going from seeing clients one-on-one in the office to launching and building a scalable tech platform. And I don't have a tech background, you know.  But I was able to understand the potential. And so that was what really drew me there to challenge myself to be like, okay, well, there's a lot of people around here that have managed to figure this out. Maybe I can figure it out too. Yeah, absolutely. So when we talk about people being unbanked, can you tell us more about what unbanked means and what it means for today? Yeah, so when we talk about access to banking and mainstream financial services, so we usually separate that into two buckets, right? So you have unbanked, which means people who have no formal relationship with a bank or credit union.   Then there's a larger category of people that are called underbanked. And so those are people who may have that checking account relationship with a bank or a credit union, but they're still using these types of alternative services. So that could be money orders, it could be high cost predatory paid lending, also title lending, like these kind of systems that are outside of mainstream finance. And that actually affects quite a lot of people here in the U.S., about, I think, seven to eight percent of people are completely unbanked, but a much more significant portion are considered underbanked. And I think there are a lot of reasons for that. It's usually split about 50-50 between people who have never had an account before. So those may be people who don't think banks are for them, don't feel welcome in that environment, don't trust banks, you know, so those are some of the reasons. But then the other half of people who are unbanked is because they've had bad and negative experience with banking and that they've made a decision that banking didn't work for them. It was too costly, often, that's the reason. Hidden fees, overdraft fees, those types of penalties, and just decided that, you know what, it was better for me to be able to manage my money in a different way. And how has SavorLife helped these people feel more secure in their financial investment? So when we first launched SavorLife, it's gone through so much transformation and change over the years because we've been really adopting some of those tech-based best practices around iteration and being user-driven and really trying to deliver something that will work for people. So what we heard when we first launched was, you know, I know that saving is something I need to do for myself and my family. I think pretty much everybody knows and understands that, but it's too hard for me right now. You know, either I've lost my job, I've been, I've had an illness or a family member's had an illness. There's a lot of real reasons why people are unable to do that. And so people would say, but I really want to get there. So what can you do to help me? So at SavorLife specifically, we work with large numbers of people. We have about a quarter of a million people who've signed up for SavorLife in the last three years, which is really cool. We went from serving 10,000 people in a decade, actually 6,000 people in a decade, to 250,000 people in three years, which is pretty cool. So that shows us that there's a big need and interest for this. So anyone that goes to SavorLife.org and signs up is going to get weekly financial coaching content from a certified financial coach who specializes in helping people with lower incomes to build wealth. If you link your account to our platform, you're going to qualify to win prizes for saving your own money. So it's kind of like this no lose lottery in a way, like you gain because you're saving and you have the opportunity to win money and it's completely free. So there's a lot of real benefits that we have on the platform that are designed specifically to help people who are struggling financially. Well, that's awesome. Lee, thank you so much for being on theCUBE and thank you for your insight. Thanks so much for having me. I enjoyed speaking with you. I'm Sonia Tegare. Thank you for watching this CUBE conversation. See you next time.


The Tehran metropolitan area experiences a reversal of the urban heat island effect during the daytime, where temperatures are lower in the city than in its surrounding rural areas. At night, however, the temperature differential increases, with temperatures in the city being higher than those in the countryside. This phenomenon is caused by the presence of bare soil surfaces in the city, which absorb more solar radiation during the day and release it back into the atmosphere at night. Additionally, the presence of buildings and roads in the city also contributes to this phenomenon. This article was authored by Cyrus Hashimi, Kihei Owang, Ali Darvishi, and others.


In the latest stages of a marathon, a lot of runners worry about hitting the wall. The wall is a significant and dramatic slowdown in the second half of the race. The truth is, if you pace yourself consistently and evenly from the start, if you hydrate and use the right nutrition, then the wall isn't there.


Hey, this is Brett and this 2016 Dodge Durango RT is stock number 12657Z. We are here at Summit Automotive in Fond du Lac, Wisconsin, near New and use Dodge Durango and SUV headquarters. This 2016 Dodge Durango RT has the 5.7 liter V8 Hemi engine. It puts out 360 horsepower. This vehicle has been fully safety and inspected by our service shop per the state of Wisconsin inspection process. It has a fresh oil and filter change. All the fluids have been checked and topped off and this Durango is 100% ready to go. We're going to go all the way around inside, start it up and take a look under the hood in this video. Redline 2 coat pearl is the color. We shoot all of our videos in 4K. So if you have HD capabilities on your computer, tablet, smartphone or television, I highly recommend turning them on right now because it is your best way to check out the quality, condition, options and cleanliness of the vehicle before seeing it in person. And if you like the video and how we do things here at Summit Automotive, that's great because we do videos here each and every day and in the lower right hand part of the screen is a subscribe button to our YouTube channel. Click that and then click the bell notifications and you'll get updates every time we do videos here at Summit Automotive. This one comes with the 20 inch granite crystal painted alloy rims and it has Falcon Wild Peak AT Trail tires. These are 26550R20s and they have I'd say probably 60 to 70% of the tread left on them. So really good tread left on those tires. Falcon Wild Peaks are what I have on my truck. Has the LED running lights, projector lamp headlamps, the factory projector lamp fog lamps as well. Lamp bumper is in pretty nice condition. Looks pretty good. Headlight lenses are nice and clear. You get the nice blacked out grille. The hood is in pretty nice shape as well. Passenger side front fender looks really good. And the passenger side rim, no major scuffs or scrapes on there. Red line pearls got just a little bit of metal flake to it. I don't know if I can even get it to zoom in here but just a little bit of metal flake. Hard to get it on the angle there. But it does have the metal flake on it. And as you go down this side of this 2016 Dodge Durango RT, take note of how clean that 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 you just cannot make the trip down but you're still interested in purchasing the vehicle, you can see the vehicle, hear the vehicle, and have confidence in what you're looking at before you even get here. So when you do get here, there's absolutely no surprises and you can make a smart and informed buying decision from wherever you're at. Very clean down that side. I didn't see any dents or dings. This back rim is in really nice shape as well. And the back tires have just as much tread as the front tires. Moving around to the back here, you get those LED racetrack tail lamps. Rear bumper is in nice shape. It does have the chrome tipped exhaust, the backup parking sensors. The rear gate is in nice shape as well. I believe this is a power lift gate. That lifts up like that and you can see that works nicely. You do get the third row seats back here. Storage is very nice and clean as well and you get more storage under there. That's where all your jack tools are and I believe there's a subwoofer under there. These seats fold down like so. You can see just how nice and flat they go down and the second row folds down flat as well. So those seats go like that. And then to get your gate down you press that button. It'll beep at you three times and then begin its descent. It beeps a total of four but on the third one it comes on now. And going down the driver's side just as clean as that passenger's side. No major dents or dings in the rear quarter. That all looks good for full disclosure. This back rim is in nice shape as well. No major scuffs or scrapes and as you go down the rest of the side of the Durango very nice and clean didn't see any dents or dings on the doors. It does come with the heated power mirrors built in directional signals inside the RT package gives you the black leather interior with the red stitching. You get the RT stitched into the backrest. Seats are in very nice shape. No rips or tears. Power driver seat with lumbar. You get the factory floor mats, auto headlamps, beats, audio system, memory driver seat, power windows, power locks and power mirrors. We'll hop inside, check out the miles, radio and everything that this Durango has to offer on the interior. You can see this one has 82,656 miles on it. You do get a digital speedometer there and you can make it the more traditional speedometer as well. Instrument cluster is very nice and clean. It comes with the leather wrapped steering wheel, Bluetooth and information center controls on the left cruise controls on the right and it does have the paddle shifters on the back as well as the audio controls on the back of the steering wheel. This one does have the 8.4 touchscreen radio. You get AM, FM and Sirius XM radio capabilities.  You see all those climate controls and then it does have the factory navigation system on it and you can see that that is working nicely as well. This is also where your backup camera shows up and I can show you that after we start the vehicle.  Here is your 8 speed automatic transmission. You can put it into auto all wheel drive or low range and it does have a neutral setting for flat towing and then you get your keyless entry with remote start on there. Pass, new side, floor mat and seat are in excellent condition. I didn't see any rips or tears on there, smells very clean inside this vehicle. The headliner is in nice condition and you do get map lights up here, homelink buttons for your garage door security systems and lane systems and 9-1-1 and assist buttons in the rear view mirror. We'll take a quick look at the back seats and then we'll start it up and take a look under the hood. Also show you that backup camera. You get these second row bench seating in this vehicle. These seats are heated on the outboard sides. No rips or tears on there, look really good. Factory floor mats, carpeting is very clean. There's your heated seat buttons, two USBs and a 115 volt, 150 watt plug-in. To get to that third row, these seats fold down and up like so and see that third row floor mat is in nice shape and clean and the third row seats are in very nice condition as well. No rips or tears on them and you get these seats down, go like that, these seats go up like that and pretty easy. Child safety locks on the back doors, bottoms of the doors all look really good on this vehicle and we'll start it up. Take a look under the hood, check out that backup camera, check out all the lights in the front. Starts right up, no check engine lights or anything like that. There's your backup camera that is working nicely. So it does look like this one has the HID headlamps which are a nice feature and they are working nicely. All the running lights are working nicely as are the fog lights and under the hood we have the 5.7 liter V8 Hemi engine. Engine bay is very clean, runs very smooth. Once again, this Durango has been fully safety and inspected by our service shop as a fresh oil and filter change. All the fluids have been checked and topped off and this Durango is 100% ready to go. It's got 160 horsepower, there is your emissions sticker. Shock's doing a nice job holding that hood up and I would highly recommend this Durango from a quality and condition standpoint based on the age and miles on it. I think it's in really nice shape. And to see more pictures of this 2016 Dodge Durango RT all wheel drive in red line 2 coat pearl, you can go to that website right there, www.summitauto.com, full pictures and descriptions of every single vehicle from 2 locations all at www.summitauto.com and if you'd like to check out more HD videos you can go to www.youtube.com slash www.summitauto.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 updates on the videos we do each and every day here at Summit Automotive. In fact in a second you will see a link to subscribe to our YouTube channel on the upper left. A link to more Durango videos like this one the upper right, a link to this vehicle on our website on the lower left and a link to one of our latest YouTube videos on the lower right. Click those, check us out and we are super excited to help you with this ultra clean 2016 Dodge Durango RT in red line 2 coat pearl. Thanks again for checking out the video. Remember to like, subscribe and share at our YouTube channel.


Yeah, hi. Good morning and welcome to today's products and focus if I'm see last night was relatively dovish with most members It choosing to give the rhetoric that the Fed once raised to stay longer for lower That's caused the US dollar to reverse course ever so slightly and the US markets just to have a little dip in the backside because a lot of the Macro data coming out of America has been a bit mixed and made reference to that and I'll be at things are obviously still doing. Okay. It's it's not like an all signal dancing version of the economy out there So what a lot of traders taking out of this is the fact that June's not it's probably not going to be the month that the US Does their first rate hike a later rate hike and lower rates first That's a kind of a slower trajectory a trajectory of higher rates in the future. So Not a huge amount of activity in the US dollar, but it's easily done It's basically versus the euro. It's had a quite a decent big reversal there And probably about 1890 points. It's not huge But it's certainly what people will be talking about today and you've actually got some ECB minutes you later on and today's session as well Greece Ukraine Still lots to talk about so the US there is actually trading below potential support at 1799 8.7 at the moment So looking at the UK 100 that briefly reached an all-time high there yesterday doji candle formation unable to close above 6906.8 We're still relatively volatile this morning back inside the side this Ascending triangle formation, which it probably isn't that massively surprising We've not had like a staunch sell-off obviously great below this potential trend line right here that might change things slightly But you know, we're still looking for our close above 6906 UK 102 because soldier on so looking at Japan to do 515 year highs the highest been since 2000 With the dollar yen, you know, the yen has been gaining a lot of that strength following the FOMC announcement last night It's not really holding back Japan some data there just now is is encouraging for their For their economy, but these two longer candles that we actually have right here at 18306 that's indicative of the fact that there is obviously Psychological resistance right there. There are some people looking to Get out their long positions right here But there's nothing to indicate that there might be a big turnaround in Japan to do 5 I'll be a trader will be looking at dollar yen for that yen exchange ring So actually having a look at the dollar yen effects pair still bouncing around 119 It's been doing so since since December. You're probably getting a flattening of the Volatility up to that point. You can even see the moving averages are beginning to flatten out as We trade in this tight range the technicals as well are probably a little bit of a waste of time right now Because they don't work well in a sideways movie market with the MACD for example But you could look at the RSI and it's supposed to cast it there if you're looking for the overbought oversold areas But the moving averages are going to be Not work they're not gonna be working out well in this particular instance just now So 119 remains the pivot for dollar yen and we'll see which position it goes next So moving on to crude oil West Texas We do have a crude oil inventories coming on a Thursday rather than the Wednesday There are expectations that the crude oil inventories today are going to be rather large We are breaking below the potential trend line here on West Texas crude If this was like an ascending triangle formation is broken the bottom of that pattern right now Which if you follow the basic rules of the classical rules of technical analysis, we may it would be indicative of you take the Wipf of the triangle at the base applied to the breakout and that would give us a potential $43 Potential support level, which obviously is the bottom of this area here anyway Should we see an acceleration to the downside today? It's not looking That's strong this morning, but it's only down point two four percent currently But keep your eye on that crude oil inventory data. Let's do that. It's at four o'clock UK time today So make sure you've got your alert set for that I was actually quite a lot of economic data due today You do have a US unemployment claims your zone CPI and the Philly Fed data as well So there is an obviously some ECB news coming later on so looking at gold obviously we had We talked about gold a lot about it not being in a great place just now because of the dollar Obviously dollars is kind of rolled over ever so slightly. So we've got a hammer formation on gold We've got further upside today, but we've been unable to break above 12 18 Which the next potential resistance could be getting death cross and moving averages Technicals are moving into oversold territory, but not yet giving any strong reversal signal incidentally If gold breaks above 12 18 that maybe kind of changes things ever so slightly The devil's FOMC last night hasn't caused a huge massive shift And the FX markets I would be kind of surprised if gold then something begins to shut up Quite aggressively, but certainly we are having retracement just now and 12 18 is an important level for traders to be aware of So having look at your dollar if this was a symmetrical triangle formation We're breaking out one side of the other right now. It's not had a proper close above it You can see we pretty much were inside the the pattern all night last night so I think today and Well today if you've got these ECB minutes coming out later on That will give and obviously Greece if you've got a bit of a more idea if this Loan extension is going to happen or not. You might be able to get some extra momentum on your dollar obviously there is a little bit of US macro data and Eurasian mac maco data due today, which could be the catalyst first to break out those ranges But if you look at your dollar has been flattening out for or since it's mid 2015 It's not done a huge amount even with all the fundamentals in the background. So GBPUSD breaking above one spot 54 24, which is awesome for cable as The minutes came out yesterday very quite positive for the UK and We are looking at one spot 55 One spot 56 as the next potential resistance with one spot 54 24 being a potential support level and certainly Bearing in mind last night we close pretty much on there and we're on there again just now Looks to be a lot of traders will be looking at this in the short term as well So we've already covered the equipment data for today fast forward on to Friday a large amount of European data You've got German PPI German PMI euros on PMI UK public sector net borrowing and retail sales So very European focused if you're trading your dollar the DAX or cable the food series These data releases are all important. Make sure you set your alerts on your market calendar So you don't miss any of these quite important updates and as ever keep your eye on the chart form Make insights part of your layer going forward and join me again tomorrow to find out what happened next