Hi, good afternoon, James. Okay. James? Yes, hi. How are you, sir? Very well, I just made it. I just ran from another meeting, so I was worried I was going to be late, but I seem to be okay. You are okay. Well, we'll go for a couple more minutes here. Thanks for joining us here for the festivities. I believe you're in Amsterdam, right? That is correct. Actually, I'm in a cute little city called Den Bosch, about 70 miles south of Amsterdam. So yeah, beautiful, you know, cobbled streets, clogs, the full tulip experience. There you go. Wow. We've got a travel log here also, in addition to blockchain. Okay, so James, let me ask you this question. You mentioned 70 miles, 70 kilometers south of Amsterdam. Yeah. So is that almost in France? I don't know. I mean, look, I live in Australia, so Holland's pretty small, and I've really enjoyed using the public transport. You can seem to hop on a train, and within an hour you're in, you know, the next city. So yeah, I think we're kind of near the border. Probably closer to Italy, right? With 70 kilometers. Good deal. Okay, so James, how we're going to work this is I'll kick off here. We're already recording or live streaming on YouTube right now. So I love everybody on YouTube. And then I'll, after the introduction, I'll turn it over to you, and you can show your charts, and we'll go, and then we'll rock and roll from there. We finish by the top of the hour here so everyone can run or walk, or however they want to change their position out there for the next call, meeting, etc. So we're going to go one more minute here, and then we'll start. And James, quick question for you while we're starting is, do you like questions along the way, or do you like to have questions at the end? Look, I don't mind. I mean, sometimes people say questions along the way interrupt the flow, but that's fine for me. I mean, if it's pertinent to the points, I'm happy to take it there and then. Beautiful, beautiful. Okay, that's good. And we'll keep it on task here if we get away from it. But generally, that's not people ask good questions along the way here. Okay. So why don't we get rock and roll in here? Hello, this is Tom Klein, along with Eric Valiquette and Andrea Frostonini. We're all co-chairs for the Hyperledger supply chain and trade finance special interest group. So we're glad that you were able to join us here either live or on a recording today to hear from James Veal from SAP slash Green Tokens and explain that in a little bit how that all works here. First off, any trust policies up on the screen right now, please don't share any competitive information. Don't collude on pricing and all these things we want to have a competitive environment, especially in blockchains, since things are so early right now out there. So I'm going to stop sharing and James, you can grab it and Eric, if you could make him host that would be good. Number two here while James is grabbing that for everybody, Dublin in September is going to be the next global forum in person. Thomas, I don't know if there's going to be a live stream option. I haven't heard that at all, but I know it's happening in person in Dublin in September. So you can look at that. I also heard the call for papers closed two weeks ago, two weeks ago, Friday or we can go Friday. Okay. And so now the group is we're going through all the submissions and seeing what we're actually going to be presenting. And Thomas, do you know if there's going to be a live stream option in September? Right now, it's not planned to have it yet, but we are looking into it and we will come back on that one. Okay, got you. So if you really want to go book your flights to Dublin in September, there and there's information on the website there. So with that, let's get into our speaker here, James. James from Australia, but James, as you may have heard at the beginning, James is hanging out in other lands and he can tell us about the best tulip he saw over the last few days when he was there. James, I don't James, I don't even know how I found out about green tokens, but I was doing some research and I was interested in, as far as I know, green tokens is based on quorum and we're a hyperledger group. But what I'm seeing out there is a lot of combined types of solutions where both Ethereum and hyperledger various forms and usually fabric are working together here. And so there's kind of two main reasons why one, our thoughts are a theme for this year around sustainability for this group to the interest in hyperledger is increasing around tokens. And James and his group is already, is already doing some work around that. So I thought it'd be valuable for us to hear what they're doing. And so we can use it in the various and sundry applications and ideas that we have out there. So with that, James, I'm going to turn it over to you. And any questions as James said that he'd be open to questions along the way, if you need something to help clarify there. And then we'll have the end, we'll have some time with whatever to ask some final questions. So that James, it's all yours. Super. Thanks very much, Tom. So good morning, I'm guessing to most of you over in the US, good afternoon for those of you in Europe. Yes, my name is Jamesville. I'm the co-founder along with Nitin Jane of green token by SAP. And before I start, people always ask us, you know, are you an independent company? Are you part of SAP? So yes, we're an SAP venture. SAP, like all big tech companies is always investing in external startups. We have a whole part of the business called SAP IO, which does that. About four or five years ago, they opened that up to anybody. So anybody in the company could pitch an idea. And that's something that Nitin and I did back in 2019. We got funded in 2020. So we worked like a startup within SAP. So we have venture funding, we have KPIs, you know, the money runs out, we have to ask for more. But it's great. So we have the best of both worlds. We're agile, we can build product quickly, respond to our customers. But we can also leverage that massive SAP customer base and support network that we have. So yeah, so that's a little bit. We are 100% SAP venture. Look, I probably got a presentation that's like 20, 30 minutes long. But normally, we have lots of questions. So I'm sure that we can get to the hour. But I want to start with this. Okay, so a little bit of history on my background. I'm a Brit, although I've lived in Australia for the last 12 years. My actual background was commodity trading. My first job out of uni was as a very, very junior analyst on the trading floor with BP in Broadgate Circle in London. And that was interesting because a lot of the world see raw materials or trade raw materials just in two kind of ways. They look at the quality, does this meet my specification and the price. So think about when you fill your car with gas. If you don't actually need it there and then you'll probably drive around looking for the gas station, which has your quality that the car takes to the lowest price. And that's how we treat raw materials. And what we do, we ignore a huge amount of the other interesting attributes that go with it. Is this a better greener option? Does this have child labor in it? Does this cause deforestation? There's all these other interesting facts that we can't readily attach to raw materials, well, I know as commodities. And another reason is that raw material supply chains tend to be in bulk. They tend to, we don't ship one shampoo carton worth of fuel. We ship a whole tanker. And to fill that tanker, we don't get it from one source. We get it from many sources. And if it's refined and unleaded fuel, then it's been refined. It's a refinery probably over a period of many days into storage. So there's this massive commingling problem in these raw materials. And if you want to say, well, I want something from this origin, but not from this, or I want something treated in this way, not from that, it's really hard to do. Now, traditionally, we've solved this with ERP systems. SAP ERP is a great, great obvious choice of that. But ERP systems see the world in batches. They work off of document movement, so goods receipts, commercial invoice, and each of those encapsulates some material, 100 tons of this, 100 tons of that at a certain price. And those become little batches. And batches are fine if you're upstream, fine if you're downstream. If I'm making 100 iPhones or 100 packs of spaghetti, I want to put the batch code on there, something goes wrong, I can do a recall. But when you're upstream with the raw materials, batches just don't work. I have an inventory. I build my inventory in a silo with 100 different batches. And that all mixes together, that product will mix together whatever it is, could be crude oil. What do I do when I actually start to use that inventory? How do I know which batch I'm taking it from? And really, you don't. You have to use convenient and counting rules like LIFO or FIFO to say, well, the last one that came in is the one I'm going to use first. And yet, you know, and I know that the material in there is completely co-mingled, some with good origins, some with bad origins. So that's a fairly lengthy intro to say that that's the problem we're trying to solve. We're trying to give really good traceability to raw materials so people are able to make informed decisions and also drive things like the adoption of sustainable practices. So I'm now going to talk to you how we solve that solution. And we have many use cases, but this is a use case that we're doing quite well with. And this is to do with circular plastics. So circular plastics, if you don't know, over 80% of the world's plastics end up in landfill or being burnt, which clearly isn't good because not only do we have to replace it with new plastic from crude oil, but there's associated environmental damage done with those practices. But there is a way to pretty much recycle any plastic providing it doesn't have chlorine within it. So any non-chloride plastic can be recycled through something called chemical recycling, which is a process where you basically take the plastic, the plastic bonds into the polymer, you chop those bonds up and you have something that looks a bit like soup. We call it synth oil, which looks like crude oil, and then you can put it through the oil refinery again and make new plastic. And you can do that countless times. So it's clearly a more environmental way we start to see plastic as plastic waste as resource and not a problem. But the problem with that or rather the advantage of the plastic it makes is identical to plastic made from crude oil. So the question was how can we go ahead and prove that this new circular plastic really is from waste? And this is where we introduced, you know, we had three sort of the innovations that drove GreenToken. And the first innovation very much is the token. And this is how we got rid of the batch. So the token replaces the batch or rather we make the batch tiny. So you can see there our token is a digital twin of the original raw material, the original source commodity, in this case plastic waste. And the token represents a tiny amount, in this case one gram of waste. So if I had a kilo of waste that would be that would be a thousand tokens. And the reason it's small is because a token can't be divided. So the token has to be the smallest unit of measure that you would trade at. And for this example, it was a gram. And look, we're not tied to the metric system. We did a POC with a soybean customer in the US in Iowa. And we had bushels and all sorts of wonderful units of measure there. So the first concept is that the token is a digital twin of the underlying physical. And wherever the physical moves down the supply chain, so the token has to move with it in concert. So in this example, I've got two sources of plastic waste. I've got plastic waste from a post-consumer origin. So this could be plastic waste from my trash can that I've collected and sorted. And I have plastic waste from another unknown location. And when I get to the mirth, the material recycling facility, these get commingled. So you can see now with the tokens, if I've got, I don't know, 100 tons of waste in my material recycling facility at any one time, I will have 100 tons of equivalent of tokens of different colors, you know, green showing there from collected post-consumer waste, gray showing there from some other source or indeed even virgin crude oil. So this is how I'm starting to assign an identity to the material that I want to track. So that's the first concept that we have. The second concept is mass balance. And all mass balance is really is an accounting principle that says within a system, within a closed system, within a given time period, an hour a day, a week, a month, whatever comes into my system, I can account for it coming out, including any conversions, any losses that might happen along the way. So in this, you can see I've got plastic waste coming in. I'm doing some sorting. I'm doing some chemical recycling to synth oil. I, you know, it's not 100%. I know I lose some materials to mass during that process. And I end up with a product. So it could be a monomer feedstock or a new polymer. And what green token does, it will say, well, you know, if I put in 2000 tons within the month, and I've come out with 1500 tons of usable new circular material, it'll show me, it'll attributes the amount from the various sources. And so that mass balance principle just lets you keep those equations in sync. So I can see there in my output material, the percentage in this case, I'm showing 65% from a post-consumer waste source and 35% from some other source. So tokens is the first principle we came up with, mass balance is the second to deal with these co-mingled materials. Now we come to the blockchain. So the idea here was, this is fine. Sorry, is that a question? Yeah, sure. Yeah. So basically you're just taking whatever ratio the inputs are, you're going to apply the same ratio when the output is what you're going to apply. Yeah. And you see there that we actually retire some tokens, you know, if it's not a perfect, and it never is. And these ratios, what we tend to do, we pre-define them, and then we swear them up, you know, so again, the bit like financial accounting, we make the best guess and then you might make a small correction error at the end of the accounting period. Okay, good. Thank you. And then we came to trust, you know, which is really our third innovation. So we have a token, we have mass balance, that's fine, that's accounting for the digital twin, the flow of our material. Now it happens that the downstream benefactor, the purchaser of the, in this case, the recycled circular plastic, really don't know who the waste collectors are, you know, and why would they, and they probably don't know who the chemical recycling plant is either. So how can they trust the data? How can they trust when we say this is from a post-consumer source that I collected at the curbside? How can we really prove that that is true? And this is where blockchain really plays. So having that ledger, having the ability to move the token along the ledger. And as you know, all blockchain is is really a fancy ledger. I can never delete a record from the blockchain. I can never make sequential rights, sequential updates to the ledger as the token flows along. And so at each of these axes, they have a wallet on the blockchain and as material moves down the chain, so we move the tokens from wallet to wallet. And that gives us some wonderful outcomes. The first one is at the downstream customer end, you know, to audit it to say why is this claim green is trivial. We just look at the unique token and we look for all the currencies of that on the blockchain and we get that complete history of why we're making that claim. We're also able to add multi-facts to the token. I'm not sure if it's being blocked out, but here we can see some interesting things, not only the quantity and the material name, but also the origin. We've done, you know, the actual latitude and longitude of where we picked up the material. We can add sequential CO2 footprint information. We can add any sort of certification that goes along with that. Things like no child labor, all sorts of interesting facts can be carried. But yeah, but this is the basis of how green token works and we prove this at scale. I pause there because this is when I normally get lots of questions. Let's pause here and Fernando had a question. First, he said thanks for the presentation, James. I wonder if you have any tag to link the physical plastic with the digital twin. So let's start with that one there and then we'll open it up for voice questions. No, and we delivery don't have a tag and I'll tell you for why. So we're mainly putting this over SAP ERP chains and the SAP ERP is always in that batch world. And the problem with that is I have one batch which is 100% recycled. The next batch has nothing within it. And again, as I mentioned before, the SAP system, unless it creates a new batch, but then you're doing that constantly because remember, these are constantly flowing supply chains. They're not like, I'll make 100 loads of bread and then I will stop. The ERP just doesn't make a new batch. So what it does, it does the FIFO or the life or whatever rule you want to do. The problem with that is you're not reflecting the true mix. I'll have one batch which would be completely recycled. The next won't have anything within it. Where we do square up is if you look at, again, back to the accounting principles, if you look at the start of the month and the end of the month, the inventories of tokens will always match the inventories of what you physically have within your system. Okay. Good. Fernando, you can either chime in with a voice question or in the chat there if you want to go a little bit further on that. Hopefully you can answer the question. Okay. Thank you very much, James. Could you hear me? Yes. Hi. Yes. Thank you very much for the presentation. It looks amazing. I can move him both as well in the use of blockchain in the supply chain. I'm just wondering how would you, I mean, when we are speaking about mass balance, usually, I mean, many of the systems, many of the certifications we have now in the market, I don't know, fair trade certification, for example, use this kind of mass balance approach. How we can make sure that plastic that we are tracking on the digital twin is not replaced for another kind of plastic in the physical flow? I mean, because we have to flow information flow that is quite clear on the blockchain, no, but the physical flow, how do you, how, how do you ensure the integrity of the system? Yeah, sure. So, and everything's there. So, firstly, we designed the system based off ISCC, so ISCC white papers, so we fully conform to their specification. Secondly, we are an accounting system. We're not the certifier. So we are, we are a system that says whatever information you put in, we'll make sure it flows out the other side and we will make sure there's no double counting. So we always work, you know, every time we deploy this, the companies we're working with are always being certified by an to external standards. So ISCC, Red certs, RSPO, there's any number of certifications that are out there. And those companies are already having to prove their supply chains through onerous paper trails across many supply chain partners. So I guess the answer to you is, no, that's not not us. We're not, we're not actually proving, you know, whether it really is true information or not. But we're certainly accounting for it as it flows through. And in our experience, the actors, the actors, they want this positive effects. One other consideration, ISCC, so let's say in a month I have 5000 tons going through my supply chain is perfect conversion so 5000 tons of waste gets me 5000 tons of products of which 1000 tons is certified sustainable. And I'm I've definitely recorded that I'm happy. So I made 1000 tons of green tokens. What I sell at the downstream ends really doesn't matter. It doesn't matter whether it comes from the sustainable source or the non sustainable source. The ISCC rules say that I can only sell 1000 as identified from a sustainable source. Once I've done that, I can't sell any more as green as sustainable. Now that is a feature of mass balance, whether you agree, it's it's valid or not. We can have a whole hour discussion within that. Our view is that it is valid because you're not doing any double counting. And our view is because you can measure it, you're now at a state where you can actually increase that 1000 to 2000s, identify the actors who are giving you the right material. So I hope that answers your question. I hope you don't feel cheated by the answer. But these are these are ISCC rules that we conform to. Yeah, absolutely answer my question. Thank you very much for the for the thanks. So I think what I'm hearing James, this is Tom, that on the origin there, there are certifiers that are saying, hey, this is good stuff that, you know, whether it's in your green, it's a green example or it's a it's a great example there and somebody certifying it and giving it the blessing and saying, yeah, it's good. So that you then assume so that's an effect your tag is through a third party certifier. Yes, correct. And and something we built in the system is that you see that if I say auditing is trivial, chain of custody block chain ledger, I mean, that's the real, that's the real win, you know, that ability to say, OK, you've actually a thousand of green. Show me all your months actions. I want to check that you haven't done a thousand one or thousand and and 20. We work with people who are doing these paper certificates and the number of times they get presented twice. You know, either because people trying to gain the system are often just human error. So, you know, by having this digitized by having this on the chain, which gives you that ledger certainty, you know, we know we've invented a better system. Is it perfect? No. Do people try and game it? No. But like any financial counting system, having the complete record means you're able to spot these errors a lot quicker. OK, good. Thank you. Eric and Tomas, I if you see or if you could go on these live stream and see if there's any questions there, I'd appreciate it. Because James, you're probably looking at the screen in the presentation error. So we'll keep feed them to you. Anybody else having a question immediately right now? Otherwise, we'll let James continue rolling on. OK, James, why don't you continue and Eric or Tomas, if you could come back with any questions from the live stream a little bit later, we'll pick them up then. Yeah, sure. So look, this general principle works for many, many different industries. So the deck I have here is sort of geared towards hydrocarbons, plastic recycling, chemical recycling. This one's pretty big in Europe. So in Europe, they still have diesel cars. The European spec called the N590 calls for 7%. Actually, I think it's more like 10 these days. Certainly when I traded it was around 7% had to be from a renewable source, so non-mineral crude oil source. And then there were some complexities around that. So you can make this stuff called fatty acid methyl ester from many different origins. So oil seeds, waste cooking oil, animal fats. So fine. If I'm doing it from oil seeds, I guess I want to do it from oil seeds that aren't grown on the recently deforested place. So some have some sort of sustainability. So here you can see it works in much the same way. We have our inputs there on the left hand side. Interesting one here as well. So Germany will not take biodiesel that's made from animal fats. So that might be something that they'd be very keen to have you certify that you aren't vegan biodiesel from animal fats. But the purpose of this really is to show you that it works for many different use cases. The one that I want to show you as well and this is quite close to my heart. So Australia is betting big on green hydrogen as kind of a transition energy store. You just have to think about what green hydrogen is. I mean, hydrogen doesn't really exist in, you know, we don't have hydrogen in the atmosphere like we do with oxygen. Now my colleague here is pinging me. But it's really useful to store renewable energy. So green hydrogen is hydrogen made from the electrolysis of water. So passing a strong DC current through water. If you do that with a renewable energy source like solar or wind power, then the gas that is made you can claim has energy stored in it when you burn it and has a very low carbon footprint. The way we normally make hydrogen is to do something called steam methane reforming is where you take natural gas and you basically strip off the carbon from the hydrocarbon chain that that carbon then goes either into the atmosphere or you have to do something clever and try and store it within the ground. The output of both those processes is hydrogen H2. And by looking at it, you can't tell whether it came from the good to low carbon source or the not so good. And hydrogen in itself is pretty useless unless you use a source. It's the lightest element. So to transport it, you need to compress it, which is energy intensive or what people are doing now is they convert it to liquid ammonia, which is a great higher density energy store which you can ship. So I'm personally working, I'll groups working with the Australian-German hydrogen alliance. Europe now is very keen to find replacements for Russia gas and also very keen to actually find lower carbon alternatives. And the beauty of hydrogen is you can pump it into the natural gas network pretty much as it is in fairly low percentages but book a carbon saving straight away. So we've deployed the system and it's the same thing. So we deliver the hydrogen gas, we deliver the tokens as well showing the origin and people are able to use those tokens to make lower carbon claims for their, primarily their energy generation business. So really the last two slides to show, yes, I showed you one example, but this is adaptable to many, many use cases. We did a big trial with Unilever. It's on our website, the joint press release, where we were showing that the palm oil they sourced in Indonesia was not from recently deforested areas. And again, we attributed different tokens at origin, depending on where the palm came from. Those tokens carried latitude and longitudes as well as any other certifications like RSPO and no deforestation certificates. And then in the end products, which were many ways removed from the supply chain, it was palm fruit crushed to palm oil, then refined to oleans and then put on a ship to Rotterdam to be mixed into various products. We could prove down to the bottle the origin of the palm and the fact that it wasn't from deforestation. So I just want to give you some idea of how we found these tokens, really flexible. We can alter the payload on the tokens, depending on whatever the application is. Yeah. And I don't have a huge much more to say. I have now some screenshots of what the product looks like. Oh, sorry, before I go there, there's something else that we are considering. So all of our customers talk about carbon. And as we know, there's a huge amount of carbon reporting requirements either in place or coming. We have the concept of scope one, two and three. I have strong views on that. But again, that's for a different discussion. But basically, scope one is my carbon emissions from my activities. Scope two tends to be the carbon from the power that I'm consuming. And scope three tends to be the carbon from when I transport my goods between different sites. My personal view is that I think that that's the convenience accounting framework for us. And what we've realized at Green Token is that at each of these stages, we could not only add that provenance information and origin information to the token. But as the token moves along the chain, we could start writing a little bit of, you know, put that gram token, a little bit of the total carbon footprint it's gained to that place. And then you can see here that this is a harvesting grain in Western Australia. And we ship it to a grain storage site. And we take it to a metro grain center where it's dried and it's mixed. And then we take it to a Western Australia port, and then we put it on a vessel. So our idea is that as the token moves along, representing that this is ISCC certified sustainable grain, we can also show whether there's a bit of carbon here from the truck movement. And then at the upcountry side, it gets, you know, it has a bit of carbon added to it a bit more when the train goes, a bit more when it's dried and blended at the grain center. So not only do you land it up with a carbon footprint per token, per gram, but also you have that fantastic audit history. Somebody says to you, well, why is it that number? Again, we look back, the tokens are on the chain to really understand how we've got to that number. And that evidence really isn't available today. A lot of the product footprint management tools just give you a number and all the calculations is hidden behind the scene.  So often, you know, numbers can be misled or double counted or not counted at all. So our feeling is that this is a much better approach. And this is something we're working to add to the product. Yeah. And really now, I've just got some, oh yeah, this is, this one's quite good. So this is just to underlie how the system works. So here we have five swim lanes, our supply chain actor, the physical material, the document from the ERP. There's our stylized blockchain with some wallets and we have some inventory numbers below. And I think you can probably guess what's coming. But as the physical material flows, we, we see, we see a document that represents the batch. So this could be a good receipts or a waybridge ticket. In this case, the, you know, the, the waste collectors delivered waste material to material recycling facility. And then this is where we run some business rules. So we've had 400 tons of waste arrived. Hey, it's all from post-consumer collections at the curbside. We know our customer who's a CPG customer is really interested in that because they want to buy plastic circular plastic material that comes from post-consumer waste because they probably put it into the supply chain. And here we go. So this is our concept. We add, you see here, the physical inventory would go up by 400 tons. But so's my token count gone up by the same amount. So this shows you how we move in, in concerts. The material recycling facilities got all the soft plastic out of there, sent it to a chemical recycler called Alpha again, a goods receipts ticket. Now this is where we're slightly different. So in this case, the chemical recycler says, Hey, I believe this is, you sold this to me basis post-consumer waste. I got 400 tons. I'm requesting 400 tons equivalent of tokens to come across. So that's done automatically in the green token clients. And then it's up to the upstream supply chain actor, the material recycling facility, to push the tokens across. And you saw them move. And the beauty of this is the tokens leave the mirth wallets and they can no longer be spent. So they've already been transferred across to guarantee that 400 tons. So this eliminates that double counting. And also, as you see, they've now moved from the mirth wallets, the chem recycling wallets. And in doing so, they're starting to build up what we call that chain of custody, that custody, that the history of where these tokens have been. And that keeps repeating. And then the tokens keep moving, requests we deliver. And the real end game there is the customer. The customer really is the best net benefactor of this information. Let's say it's a consumer product company who bought some recycled plastic for their packaging. And they can see that it came from the waste collection of Amsterdam. And it wasn't industrial waste collection. It was the recycling bins of the good people of Amsterdam. And they can make that claim then when they make new packaging materials. So I hope that little flow makes some sense. Hey, Tom, I can't see the clock. So I don't know how I'm doing for time. Let's see here. I got 39 after here. So that's about 40 minutes. So why don't we take a break here? Let's let you gather together, get your breath, and see what questions Eric or Tom asked. Anything from YouTube out there that you should bring up? Unfortunately, Tom, our live stream was having technical issues. So no live stream today, but we are recording and we will definitely share the recording out to the fact. I do see a couple of questions though in the chat box here. Okay, good. So let's see. We got Dennis Kaskoen. Dennis is from Netherlands, right? What is your reference in calculating the carbon footprints? Yeah. So again, we are the accounting system. We don't calculate it. We rely on third party systems to give us that number. SAP has many vendors have them, but we will record it. We can even record the methodology that has been used to calculate. Okay, good. Dennis, hopefully that answers the question there. Come back if there's more. I guess the question that I have for you, and then we'll get to Jennifer's question that just popped up, is these tokens. It sounds like it's a closed system. You're not viewing this as taking these tokens and turning it into some sort of external value in any way, shape, or form. It's really just an accounting mechanism, as you said, the beginning in order to transfer the information is really what it's turning out to be. Yeah. You could argue that asset backed, each token represents an underlying physical quantity that we want to attach facts to. And again, think of the token as a tiny, tiny batch, which means we can actually, rather than having to worry about LIFO, FIFO taking 100 tons of something because that's what the last batch was, I can take 100 tons of tokens. That might be a billion tokens, but we get down to that wonderful resolution that really reflects what's in inventory rather than the artificial convenience LIFO and FIFO view. Beautiful. Good. So as a question from Jennifer London, do you think that this could lead to some sort of exchange of green tokens between various materials producers? I guess that's a little bit of what I was kind of going on. Well, that's an interesting question. So our vision would be a green token network. So currently, when we deploy this, we're having to onboard supply chains. So we're going to, well, let's talk about Unilever. They had supply chain partners called Golden Agri who have palm mills in Indonesia. Other supply chain partners called Cinemas, CESPA, who have olean refining plants. So we had to make sure each of those had a green token client so that the tokens were generated and passed as the physical went down the stream. Now, wouldn't it be great if we had a network and everybody was on green tokens so that whatever materials were produced across the supply chain were offered with tokens? So I wouldn't have to onboard. I would just have to find whatever the product is and there are the tokens. And the tokens then become the guarantee for whatever facts, sustainable, no deforestation, child labor free. Yeah, quite some way away from there, but that would be our vision. Beautiful, beautiful. Well, there are questions we have out there from folks. Good question so far. I don't know if, James, you mentioned you had a few screenshots, maybe it would be worthwhile to show one or two because one of my questions is, can you do EI to get this information back and forth? This API sounds like you got a screen and maybe that's where you enter in all the information. So maybe you can comment on that too. Yeah, it's a good point. So yeah, we are back by SAP and at the downstream end of town, everyone has SAP ERP. So we've written in integrations. To be honest with you, there's not that many touch points. It's certainly inbound goods receipts. It's outbound delivery documents to be that commercially invoiced or some sort of ticket and it's certainly something to do with conversion. So if I'm processing a material, and we have the same. So again, with the Unilever Trial in the rainforest of Indonesia, they don't have SAP. They do have internet. I've been based in Asia now, APJ for 12 years and those Asian countries, they kind of skip the whole hard wire phone internet and went straight to radio phone, telephone mask. So you always get quite good coverage even in quite remote areas. You just need to put one mask in a village and you're done. So we moved 188,000 tons of palm through that trial with Unilever. All 188,000 tons was recorded at the mills we used. And we did it by taking their delivery tickets, which had all the information because they know who they're buying from and uploading those as kind of flat files into the system. So yeah, so we have a number of ways to get information in to reflect the supply chain. Yeah, and look, this is kind of these are some screenshots. It's an accounting system. I'm not going to hide the fact that it's not particularly sexy looking. It's showing you inventories and sustainable balances. This is showing me conventional feedstock inventory, recycled polyester inventory and a couple of products which are 25% and 50% renewable. I'm seeing a forward view of my inventory based on some time periods there. This one is much more interesting. So this is our chain of custody. It might be a little bit small. But what this is showing, I wonder if I can zoom in a bit, I can't, but what is showing on the right hand side is an end product, which is a recycled plastic bottle made of a bottle and a lid. And the actual green bar chart is showing you graphically the sustainable percentage. Now this chart is made up from the tokens. So the tokens associated with the end products in the bottle, we track all those back to see all the sources of origins. And there you can see on the far left hand side we have six collection points. So six sources of the recycled waste. Then we have some intermediary processes. So that would be the chemically recycling. Some of those are 100% sustainable material. Some are not. Then we have various processes to make the various different components of the bottle to end up with the end bottle. So if we're selling this bottle as a 50% from old plastic circular bottle and somebody says we'll prove it, this is exactly how we would show that information. And here it is again in the list form. And this is the kind of information that orders love. This is the information that previously you've had to go back through tons of delivery receipts and really try and figure out. Again, you're kind of doing allocations of material to say, well, I think this load went to this using your LIFO and FIFO rules. And we have that much finer view of it. So we just have to interrogate the tokens. This is another view we have. We call this a chain of custom map. Because we know the latitude and longitude locations of all the sources, I think this was for a soybean example. We knew where the farm co-ops were. We knew where the trucks moved from and to. So we could get it. We could start getting some graphical views of which farms were producing the certified sustainable goods. We did toy using this possibly to add in scope 3 carbon information. If you know the transport method, truck or train, and you know the distance, and you can start to guess that. But then we decided that there were much better tools out there to give us that kind of information. But these views are interesting. These views can actually show things like your food miles or your product miles. It could be you want to choose something which has a smaller, more local chain than one that comes from further afield. This is a further, yeah, this is probably, I should have shown this one before. This is a, again, we're showing many products on the right-hand side and the origins of those through the molder, through the plastic recycler, through all of the pickup points in that graphical view. This one we're showing as well because we're showing the cumulative CO2 equivalent numbers associated. And again, we're doing that by summing up the numbers, the carbon footprint added to the token as it moves along the supply chain. Yeah, we just, you can zoom into this of course and see finer detail. Yeah, and look, James has a question on the certifier, the certifier, are you going straight to the certifier? Are you taking, hey, the farm? We've contracted with certifier XYZ and they're telling you we use certifier XYZ and you're taking that information in. Yeah, I mean, look, again, we are the accounting. So if you think of a financial accounting system, I can cook the books in a company's financial accounting system, but I'll soon get found out. So we're the same. If what we can do, if there's a reference to, if ISCC or ISPO, one of the certifiers awards a sustainable certificate because that farm is certified sustainable, we will attach that certificate reference to the token and it can be inspected. And look, in the cases that we've worked with, people are very keen to keep their certifications, so they're not looking to game it. And also with green token, we can expose, if people are gaming it, we can expose that a lot quicker. So, yeah, I think we have to believe in the milk of human kindness occasionally. Yeah, good, good. Thanks. I think the final thing I'm going to show is this, although I got an idea this QR code isn't working, I would often ask you to shine your, I don't know, we can give it a go, just shine your phone at that QR code. It may work, it may not, it's on a test server, but we want to expose that information to, I don't know, is it working there, Tom? No. Yep, it looks like it's working, green token, product scan, blah, blah, blah, I would like to access the camera. Okay, okay. There we go. Yep, I got it. Product data, undefined, not found. Okay, fine. Okay, so this is one that we saw in our test server that it's not working, but if it was working, you would see this user app. So we know the real value of this. Okay, what do we want to do? We want to drive change. We want to expose the information that's in raw materials that it's being ignored today. So we want to work with our customers and allow them to put a QR code on their products, which shows the journey, you know, not only, you know, we can make the claim this is recycled, but let's actually go ahead and expose that in depth. So happily, I can send you a QR code afterwards that I know does work. I apologize. I've been brushing around today. I should have checked this prior. No worries, no worries. Yeah, send it along and we'll include it in our wiki as well as put it out on LinkedIn. But, you know, this becomes a great marketing tool. This is now enabling the consumers to make informed decisions. And we believe in the power of the consumer. So if more people only want to buy certified sustainable child labor free or no deforestation, and they have that proof, then, you know, we create that virtuous circle where people have a preference for this over other products. Yeah, so I think that's about what I wanted to say today, Tom. Happy to take some more questions. Beautiful. Let's open up for questions. We're at 53 after the hour or seven minutes before the top of the next hour here. So got probably got time for a couple questions. If they're out there, let's take a pause. Okay. Well, the good news is, folks, James, stuck around to the end here. So they like what you had to say here. Thank you very much for sharing what you're doing there with green token. Actually, I do have one other question. What ERC are you using for your tokens? Sorry, what's what what token format are you using? Is your owner using one of the ERC ones? We look, and you can probably sell because I had to say today that I'm not the technical guy. I'm pretty sure it's our own. But I will get our tech guys to inform me. Fair enough. Okay, fair enough. No worries. No, this is what we're looking for is more the business side of what you're trying to do here, how this all works. So good. Any questions out there before we close? Okay. Oh, wait, Elizabeth, the end user away here. We got end user. Can the end user get the tokens reimbursed? Sorry, I'm not an end user use those tokens to get reimbursed for having paid for the verifications because the product is getting closer to the true cost pricing by having each person along the way paying for a verification from a third party. These green tokens end up in the pocket of the end user who bought that bottle of drink. Now she wants to go and when she recycles it, she wants to get the money back from all of the verification that she paid for. Yeah, you know, it's a great observation. So our assertion is that having the tokens makes the product more attractive and therefore with the tracks of price premium. So yeah, we're just delivering that evidence. Now whether some companies want to be clever and offer some more incentives around that, that could be a pretty good idea. What is interesting, we're working with a company in Japan who are making sushi trays and they make rather a lot every day being the national lunchtime dish and they are collecting the trays. And the idea is each trays have some unique tokens represented by the QR code. It could be that we have that complete circular process and the trays go around multiple times. So if we get a tray with the QR code, there's challenges around how do you scan those millions of trays. But once that information is in there, we could start having a count. We could say this tray has been seen twice, been seen three times. So there's another interesting consumer incentive. Do you have the highest number of round trips on your sushi tray? But yeah, it's interesting. Elizabeth, I think it might be outside of our scope, but we have the evidence and possibly we could help in some sort of scheme. Yeah, thank you. So I'd like to see that automatically put into my lifetime comprehensive environmental impact calculator so that when she ratchets up all of her points for her lifetime, she gets these green tokens in her pocket to use to get some kind of compensation. Thank you. Yeah, and you're right. You observe correctly. The tokens never go away. They're unique and at the end of life, they go to archive and they're there to be queried at some point. Yeah, so that's a great idea. My personal wallet of all the tokens I've used in my entire life. Gosh. So she would have to use blockchain to purchase that drink, that bottled drink in order to get those tokens? Not necessarily. She'd have to have a wallet on our blockchain or perhaps we do blockchain to blockchain transfer, but you're right. Those tokens would have to end up in her wallet somehow. Good. Let's go to Fernando here with the last quick question before we wrap up. Fernando is here. Thanks. Thanks, Tom. Hello, James, again. Just wondering, you have mentioned a couple of proof of concepts. Do you have any project in production? I mean, in full production or just your proof of concepts? Yeah, no. It's a great question. We will go in full production this year. So we have spent, in two years, we've built a team of 20. We've built out the products. We tested it at scale. I'll be honest with you, what stopping production is the contract? So we're currently negotiating contracts with a number of partners. So we're very, very close. Okay. And just one more question. Sorry about that. I mean, even if you can disclose it, I'm not really sure. What is the business model behind this? Yeah. And look, that is a great question and I wish I had a really great simple answer for you. And this is one of the challenges we have, because I'll be honest with you, everybody wants this, but nobody can agree on the best way to pay for it. So again, we could have another hour discussion. I was in the office here in Denbosch discussing the very same. So we have a number of ideas around it. But yeah, I don't have a simple answer. Thank you. Exactly the same here in my side. Yeah. With our solution. Beautiful. Okay, James, thanks for all the questions from everybody out there. James, I assume you're available via email if there's other questions for the board here. We will take the recording and put it out there and Wiki and LinkedIn. Andrea is great with that and getting it out there. So look for that fairly shortly. And then maybe we'll even be able to get it out on YouTube. And we've been consistently get a few hundred people looking at the replays on YouTube. So that'll help us too here. So James, thanks again. Andrea or Eric, anything else we should share here? No, nothing for myself. I was late for the beginning. So thanks James for being with us today. And thanks everybody for joining us. It was a great pleasure to hear from you. No worries. There's lots of things. Yeah, there's lots of things using the chat here, James. So appreciate everything. And you can look at those and recording and it feel good. That's great. Thanks guys. We really enjoyed your presentation. See you.


Hello everyone and welcome to the Fort Report. It's summer and what could be better than listening to music and floating down a river on an inner tube? You guessed it, playing music with an inner tube! I call it my inner tuba. What? It's a work in progress! Visit rockintheriverfw.com for more information. Here's a look at other events happening in and around Fort Worth in the next few weeks. For a listing of more events and city meetings, you can always check the calendar at the city's website.


I want to make the stories that are built to environment, evident and viewable and engaging and brought to the surface. And I'm from Ohio, I live, I've lived on both coasts and, you know, the coasts generally get designed but, you know, and the culture of what design is is constantly changing. But people still think of architecture as sort of built and made and for other people. Generally, you know, when you get out and, you know, it doesn't take far but you get into the, you know, cruise across the United States and you see the amount of sort of terrible space that we have built for ourselves. And to me, my stake in that is that I feel that the problem resides in how our industry is telling the story of what we do and we're not doing it at all. The AIA national just came up, I look up, campaign, right?  That's where it should be happening. The AIA should be doing it. It's a professional organization. But the firms, individual firms, will be doing a better job of telling the stories behind a built environment and why people should value quality designed spaces, not just architecture but an entire comprehensive built environment. So that's my preachingness. This is us, our local industries. And that's me if you want to reach me or ask me any other questions.


What's happening guys? So another highly requested video here. Today, we are going to be talking about the health degree tier list 2021 version. So this is going to be after the pandemic that happened. Did this one last year and there has been a few things that have changed since I did that list. And health degrees are fantastic and some are better than others but there's a lot more to it when it comes to choosing a health degree. First of all, it's not cookie cutter like a lot of the other degrees where you go two years for your associates four years for your bachelor, six for yours for your masters and then you know, a lot longer for your doctorate. With health degrees, it could be one year, six months, one and a half years, two and a half years, three years, et cetera. And it can even change from state to state. Some states might require you to get a two year certification. Other states might require you to just pass a test, right? So it's going to be very important for you to understand certain things about these health degrees. And that's one of the things I'm going to help you go over in this video. Now, if my channel isn't a good enough resource or this video isn't enough for you and you still need help figuring out what college degree you want to get or if you just want to get the most out of college with the least amount of time, effort and money, check out my college degree 101 course down in the description below. And that is going to answer pretty much every question that you could possibly have. But with that being said, right after you hit that subscribe button, ring the notification bell and boot the like button, we are going to get right into it. Number one on this list is going to be dental assistant. Now, this one is technically a certification and some states you have to get a short certification and then take a test and other states you just can go in without doing any certification. But basically dental assistants are going to be people who help out dentists. Now, overall, this one isn't horrible to go into. You can get into it with very little education. So if you're someone who does not want to go to school for very long, this could be decent. But when you compare it to a lot of the other health degrees and health certifications, it's just not as good as some of them. So for that reason, I'm going to go ahead and put it into D tier. Next one probably sounds very similar and that's going to be dental hygienist, but they can actually do much more than dental assistants. Usually this one's going to take around two to three years or so for you to get licensed where you can become a dental hygienist and you can make really good money. So dental hygienists can actually perform some of the tasks that dentists used to do. A lot of the time, for instance, they're going to help out with teeth cleaning and teeth whitening and they can make really good money and there's really good demand for dental hygienists. Now, with this one, I will say it's probably best if you are kind of a very outgoing, extroverted type person. You know, a lot of people have a fear of going to the dentist. It's very awkward for them and so you're going to want to be a good people person so you can kind of calm them down. But yeah, dental hygienists, pretty good one, especially for the amount of time it takes to get into it doesn't take very long. This one is going to go into a tier. Next on the list is going to be a dentist and this is a doctoral level degree so it's probably going to take around eight years or so. Now, the average dentist is going to go hundreds and hundreds of thousands of dollars in debt in order to become a dentist and it takes a long time. And then on top of that, many of them will end up investing even more money into starting their own practice and so a lot of the time dentists might actually be close to a million dollars in debt. And so many of them are going to be in their forties before they finally reach a net worth of zero. But with that being said, you can make really good money as a dentist. And so for that reason, as long as you're okay with being in the negative for a long period of time and you're probably not going to be, you know, making a ton of money or at least if you are going to be making a ton of money, you're going to be using most of it to pay off your debt until you are middle-aged. But if you're okay with that, this can be a fantastic one. I'm going to go ahead and put it into a tier. Next on the list is going to be a diagnostic medical sonographer. And this is going to be the person who helps people see their babies, for instance, while they're still inside of them, but they do a lot more than that. This one is more of a trade career. It's technically more of a certification and it takes a few years in order to get licensed. But as long as you do that, there's a ton of demand and you make really good money, especially for something that only takes a few years to get into. This one is also going to go into a tier. Next on the list is going to be a dietetic or a nutritionist. And this is going to be somebody who studies how to eat healthy. And they're going to specialize in helping other people to eat healthy so that they can live longer and they can prevent illness. A lot of people are passionate about food. And so this is a really popular one, but the only problem here is it doesn't really pay all that well and there's not all that much demand for it, unfortunately. And so for that reason, have to be fair here. This one is going into D tier. Next one is very similar and that's going to be health and wellness in general, health and wellness practitioner. And again, this is something pretty valuable in my opinion. Not a lot of people are into it, but unfortunately, there just isn't that much demand for it. It's not really an employable skill. And so for that reason, this one is even worse. It's going to go into F tier. Next one on the list is going to be a medical doctor. And this could be a MD or a DO. Now I have been very critical about becoming a medical doctor in the past. In some of my videos, I made an entire video about kind of the downsides of becoming a medical doctor. And the reason I did that is because I just think there's so much hype, right? There is an insane amount of hype behind becoming a medical doctor. And because of that, there are so many people that I've personally met in my life who felt a tremendous amount of pressure from their family to become a doctor, right? It's like they were failures if they did not become a medical doctor. It seemed like everybody I met when I was taking my science classes in undergrad was pre-med, right? Though they wanted to become a medical doctor. And the truth is, it is a great career for the right personality. Someone who's like an A-type personality very on top of things, you're okay with putting years and years into studying. Probably at least 12 years into studying and then doing your residency at least. A lot of the time it's more like 15 years before you become a doctor. And all during that time, you're either gonna be studying or working probably 60 to 80 hours a week. And then when you become a doctor, you're probably also gonna be working 60 plus hours a week for the rest of your career, right? So if that is something that appeals to you, you've got the right personality for it, this can be fantastic. It's definitely not something that I would want to do personally, but I can see why a lot of people want to do it. So for that reason, I'm gonna go ahead and put medical doctor into A tier. Next on the list is going to be nurse. And this is one where you pretty much have options at just about every level. So you've got kind of like an associate option. You've got kind of a bachelor's option, a master's option and even a doctorate option. And I have the associate bachelor and doctorate option. All of them I'm gonna go ahead and put into A tier. Really solid options, very flexible, right? So you can go in, you kind of get your associate option, work a little bit.  So I really love how flexible nursing is. Another thing about it is there are so many nurses in the United States, there's over a million nurses. I think there's like over two million actually, if I remember correctly. And so, you know, if you get one job, chances are if you don't like it, it's gonna be very easy for you to switch to other jobs. There's gonna be a lot of different options out there for subspecialties. Now the next one on the list is going to be nurse practitioner and that's kind of the master's version of nurse. Now I've heard that this is kind of transitioning more to becoming doctorate, so more and more people are doing DNP. So maybe 10 or 15 years from now, most of them are going to be DNPs rather than NPs. But with that being said, this is a fantastic option. You can basically work on your own. You don't even have to be supervised by a doctor and you can prescribe and diagnose. On top of that, nurse practitioner is recognized in other countries and so you even have the option of moving to other countries. So nurse practitioner is fantastic. That one is going to be an S tier. And I'm going through these really fast guys, but I've made videos on quite a few of these other videos. So check out my other videos on my channel if you wanna know more about these. But I wanna try to keep this video relatively short so I can't really go into too much detail. Next on the list is going to be occupational therapy, which is where you help people to regain some of their mobility so that they can kind of have a more normal day-to-day life. Now this one has decent statistics when you look at the pay and how many jobs there are out there, but where it really shines is job satisfaction. This job actually has one of the highest job satisfaction scores out of any career out there. It is extremely satisfying to kind of help people after they get injured, they've got some kind of mental or physical issue and then you can help them progress to a point in their life where they have a relatively normal life. And that is extremely rewarding to be able to help people figure that out. And so for that reason, this one goes into B tier. Next one is going to be occupational therapy assistant and this is an associate level degree. You can make really good money, around $60,000 a year with an associate level degree that's much higher than the average American makes. So this is one that's a great option if you don't really wanna go to school for all that long, but you still wanna make decent money. And it has a lot of the pluses that occupational therapist has, so this one is also going to go into B tier. Next one on the list is going to be optician and this is one where you can get it actually in some states with just a high school diploma and then a little bit of training and some states they're gonna require an associate level degree. But basically you're gonna be helping people to fit on their glasses, try on different contacts, et cetera. So you might be working in a doctor's office like an optometrist or an ophthalmologist or you might end up working in a retail store. So for instance, the person who probably helps you if you went to lens crafters, that is likely an optician. But this one is not as high paying as a lot of the other ones that are at kind of the associate level. And so for that reason, it is going to go into D tier. Next on the list is going to be an optometrist and this is someone who's going to diagnose and treat different eye disorders. Not to be confused with an ophthalmologist, which is a type of medical doctor and they can actually perform surgeries on the eyes. So if you're nearsighted or you have a stigmatism, something along those lines, an optometrist is going to diagnose that and give you the right prescription for glasses or contacts that are gonna help you have perfect vision. But they wouldn't be able to give you something like lasik eye surgery. That would be something that an ophthalmologist would do.  Even worse than people who are getting older right now. And so for that reason, right now I'm gonna put it into B tier, but I could see this one rising up the ranks, maybe being A tier, 10 to 15 years from now. Next one on the list is going to be pharmacists. This is somebody who is going to be filling your prescription that the doctor prescribes to you.  On top of that, there are pharmacists in just about every type of medical practice. A lot of the time they are going to be in the hospitals or different clinics. Now, this is a doctoral level degree. So generally speaking, it's gonna take around eight years, although I got my degree in a little over five and a half years. And I reveal how I did that in the college 101 course, which you can check out down in the description below. But with that being said, pharmacy is really good paying. I mean, really, really good paying. You start off making like over $120,000 a year, which is insane. But with that being said, because of certain forces in the market, pharmacy schools opening up left and right, unopposed, it has gotten a little bit saturated. Now, there are other forces working in the market as well. Many people are trying to get pharmacists what is known as prescriber status or provider status. And that would open up a ton of different jobs for pharmacists in the future. On top of that, with the onset of COVID, a lot of jobs opened up because pharmacists were on the front line giving COVID shots. So this is a very complicated issue here, but without a doubt, pharmacist is a pretty good option overall. The future is a little bit uncertain here, but I'm gonna go ahead and put this one into B tier. Next on the list is going to be physical therapists. This one is very similar to occupational therapists. However, PT focuses more on helping people perform certain movements, whereas occupational therapy focuses on helping people perform certain daily activities that would be normal to their daily life. So a physical therapist would probably work with like an athlete, for instance, if they got a shoulder injury to help them perform certain movements that they need to do during a game, for instance. Now, when it comes to the numbers, physical therapy just barely edges out occupational therapy. And for that reason, I'm gonna go ahead and put it one slot above in A tier. Next on the list is going to be a physical therapy assistant, much like the occupational therapist had an occupational therapy assistant. Now, physical therapy assistants or PTAs generally are going to have an associate level degree. They have fantastic job growth. There is a ton of demand for them and they do make relatively decent money. But in terms of the time it takes versus what you get out of it, not quite as good as some of the other ones on this list. I'm gonna go ahead and put this one into, let's say C tier. Next one on the list is going to be what was formerly known as physician assistant and now is known as physician associate. This is basically a six year master's degree or so somewhere around there. And basically what you're going to do is you're gonna be working under the supervision of a doctor. However, you can prescribe and diagnose. This is a super flexible degree. You can work in pretty much any part of healthcare with this degree really fantastic one, one of my favorites. You get paid amazingly well, six figures. You can get it in around six years. There's tons of demand for this. Just a fantastic overall degree for you to get. This one is gonna go into S tier. Next on the list is radiation therapist and this is one where you're basically going to be helping to operate different radiation devices to give people radiation treatment. A lot of the time these patients are going to have cancer, for instance. That can be really tough job, obviously, but if you're somebody who can handle that, this is a very rewarding career. It also pays really well and there's a ton of demand for it. Generally speaking, this is kind of an associate level degree so it takes around two years or so and you get paid super, super well with this one. It is incredible what you get when you only have to put about two years or so into it. This one is gonna go into A tier. Next one is radiologic and MRI technologist and they're basically going to help to create MRI images that's magnetic resonance imaging software and hardware. They're gonna be experts in helping to get those images so that the doctors can diagnose people and operating these MRI machines is an incredible diagnostic tool for doctors and healthcare professionals. Now this changes from state to state but usually you're gonna need like an associate level degree and then you might need a little bit of on the job training and this one is pretty good. I mean, a lot of these healthcare degrees you guys have to realize like I'm ranking them against themselves but a lot of these healthcare degrees are just incredible at every single level. So this is kind of like an associate level degree and I'm gonna put this one into C tier but just to kind of demonstrate how good these are I'll go ahead and I don't have time to do this on all of them but you're still making $63,000 a year here, okay? And it's also growing 7% which is much faster than average. So there are just so many amazing jobs in healthcare at every single level. That's one of the reasons why I rank healthcare degrees in general so high but yeah, this one is going to go into C tier just because some of the other ones are better. Next one on the list is going to be respiratory therapist and this is one where some respiratory therapists are going to have an associate's degree some are gonna have a bachelor's degree and they of course are going to help patients who have trouble breathing or they have lung issues so patients who have asthma for instance. And of course respiratory therapists have become especially important in the last year or so. Overall, this one has pretty decent statistics. I'm gonna go ahead and put it into B tier. Next on the list is going to be a speech language pathologist. This is gonna be someone who helps people out who have either speech problems or swallowing issues. Now this one is a master's level degree. You really do have to know what you're doing here quite a bit of education but just like pretty much every other healthcare degree out there, there is a ton of demand for it. You can make pretty good money as well. But just because some of the other ones on this list are so good, I am gonna put this one into C tier. All right guys, so that's all I have for you today. Keep in mind that I'm ranking health degrees and health certifications against each other. So you know, if this was against like all degrees, I think the worst one on this list would probably still be like C tier. So just keep that in mind. I just wanna remind you of that. Health degrees generally speaking at pretty much every single level, whether it's like no degree, just a certification or an associate's degree or a bachelor's, master's or doctorate are all pretty much fantastic. Check out my other videos right here. I made them just for you. Go ahead, smash that like button, hit the subscribe button, ring the notification bell and comment down below any thoughts, comments, criticisms, et cetera. Especially if you're someone who has gotten some of these degrees or certifications and you're currently working in those professions.


Hi everybody, Joe for jazby's casebreaks.com coming out to you with the pack of 2021 Panini Chronicles football fat pack break number 24 Top 10 spots are gonna win spots in that three box Football mixture that we have on the site. This is the last filler. So we only have to move these full spots right here That's it. No more fillers. So if you're watching live, let's get those full spots knocked out Let's get that break knocked out now first. We got to do the break big Thanks to this group for making it happen. All teams are in Let's roll it and randomize names and teams four and a four eight the hard way different dice hole for the giveaway part two three four five six seven and eight Your eight times we got Barry down to Simon eight the hard way for the teams one two three Eight New York football Giants down to the New England Patriots All right, there's the first half of the list here No trades filler breaks second half right there let's print and rip These EA sports coming back with golf. They are the original. I don't know. I think I think it's 2k It's from my camera here. I think 2k has the the PGA exclusive as of now not sure when or if EA is gonna get that back All right, so there it is hot off the 31st already The final print out hot off the presses Yeah Tristan I want to get that break credit done tonight Give away that you honest tonight as well check out the details on the website jaskies case breaks calm. We got a Jalen waddle Rookie card for Miami nothing too crazy here.  Let's gather everybody's names 1 through 32 You dice new list and once again, it'll be the top 10 Top 10 after ten six and a four ten times. Good luck one two three four five six seven eight Nine and tenth and final time now from 11 on down 11 through 32 sad times Sorry Alan very close there to getting a spot just not quite But sad times here, but happy time for the top 10 You're in the mixer Greg is happy. So as David Tristan Chris Steven Allen Murdoch Allen Murdoch Junior Tristan Robert and Tristan again. Congrats the top 10 We'll see in the next video for the break itself. Oh and for the people who didn't win spots This is part of the promo So still got a second chance if we fill all of those breaks tonight jaskies case breaks out company


headline news update welcome folks we have the down industrial straight down for 85 Nasdaq's down 171 S&P's down 65 gold gold contract down $14.60 straight into 1754 an ounce we have silver down 51 cents $21.09 an ounce of late-sweet crude up 86 cents $77.14 a barrel notes and bonds a 10-year note down to tick trade in 112 30 the 30 are 5 at 127 24 and King dollar King dollar rejected lower price out here King dollars up 709 709 ticks that is 106 668 euros at 103 yens at 138 and the British pound is at 119 to one at US dollar we get open take a look at the market your spy the volume is not that heavy on the spies we're backing down here you do have volume inside of the queues so spy bottom line is going to go for this lowest wing now lowest wing that's that's 390 or 396 if we take a look at the NDX 100 different that this is definitely you can tell it's weaker it's actually inside it's lower range in one day so we did here with the queues queues right now 282 and once you got inside this 284 60 again it puts game on you know we'll see how the it reacts to the swing the swing here is 282 I expect it's going to go for that tomorrow if it goes for that then we're going to go after that gap the gap that's down there that's a 268 and what it's all about folks is this this dollar wants the bounce even if we get a point three a two bounce on the dollar bottom line it's going to be a big bounce you know it's been messing with it since it made a low that was established out here on the 15th of November went up pulled back rejected it rejected it this morning it makes it makes sense you're going to get a bounce and right now you're at 106 689 679 and you get a figure the the point three a two is like 108 297 you know so my take is that we're going to go at least to that point and what that does no doubt is that the contingent to have pressure on the market if we take a look at the industry volume out here let's see we're going to have so right now that's it's it's it's it's light industry volume so NASDAQ that NASDAQ is too so this is going to be a pullback with light volume consolidate building cause and my take is that yeah it's we're still going to go higher here but right now this thing wants to pull back I expect the next few days say right there folks come right back


Hello and welcome to the session. Let us start the following problem today. Half the perimeter of a rectangular garden whose length is 4 meter more than its width is 36 meter, finally dimensions of the garden. Now let us first write the key idea that we will be using in the problem. Tiller rectangle, length here is equal to 2 into L plus B. Now let us write the solution. On reading the question we find that two quantities are unknown that is length and width. So let the length be, the question is given to us at 236 meter. Therefore we have 236 or is equal to 236, this is our equation 1. Now it is also given to us in the question that whose length is 4 meter more than its width. Therefore between length and width is 4 meter therefore we get L minus B is equal to 4 and this is our second equation. Now solving equation 1 and 2 we get equal to 36 and L minus B is equal to 4 and then this gets cancelled. So we get L is equal to 40 which implies L is equal to 20 meter. Required length is equal to 20 meter and width equal to 20 minus 4 which is equal to 16 meter. Hope you understood this problem. Bye bye and have a nice day.


Amangurians have been admonished to lead, to let moderation be their watchword as they go about celebrating the Christmas. This admonition was given by the Diocesan Bishop of the Cathedral Church of Christ, Marina Lagos Wright, Reverend Iphedola O'Coupély, while speaking with a journalist shortly after a special Christmas service. Plus, to the correspondent, O'Coupély was there and now reports. Christmas morning at the Cathedral Church of Christ, Marina Lagos. As early as 9am, members in your large numbers congregated for the special service. It commenced with the resonating chords of hymns as chorused by the congregation. Wright, Reverend Iphedola O'Coupély is a Diocesan Bishop of Lagos, taking his sermon from Luke 419 and Psalm 119, Breast 15. Wright, Reverend O'Coupély exalted the people and urged them to always reflect Jesus Christ in your daily lives. He charged them to hold tenaciously to go sword as they go into another year. We don't want the news of war anymore in this country. We don't want the news of crisis anymore. We don't want the news of peace against anyone. We don't want the news of race, society. We want allましょう, flow and steep and eliminated stuff and damage. All these are грvolling May we neverソFRA. The priests, who also admonished the congregation to pray for the nation, called on the federal government to ameliorate the suffering of the losses. Government should look into the issue of poverty, relation, the refinery that they're going to do, they should do it on time, and at the same time look into the issue of Naira. We are buying foreign currencies at a higher rate of Naira. So they should please look into all this and help us to tear our roads and take good care of our youths so that they won't be running here and there. And we don't want them to go and join bad gangs. The provost, Cathedral Church of Christ Marina, very reverend Adebola described the day as a great one. It is a great day. We are celebrating Christians. In bringing the service to our clothes, the bishop appreciated attendees and offered prayers for the nation. Love Ikuku Oyeduku, plus TV News. 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.


Thank you, Jan. Well, you know what? Over the next couple of weeks we are tracking the journey of a first-time home owner and when buying a property What does it mean to get pre-qualified? Well, naturally when you want to buy a property You have to ask yourself what can you afford and that will be done closely working closely with your bank Naturally when looking to buy your first house you need to ask yourself the question How much can I afford and choosing to work closely with your bank will help you figure that out? Finances are a critical factor when buying property. For first-time buyers embarking on this journey Who better to give a realistic view of the financial implications than net banks lepoi machate? I'm looking at buying my very first property. Before I started my process, I worked out how much I qualify for. Why was that important? So Brett, it's important to get an indication of how much you qualify for as well as how much you can afford purely because it takes away some of the anxiety when buying a home for the first time. It also allows you to make an informed decision Before you go shopping for a property so that you know what kind of price range you're looking at. What exactly do you need to find out how much you qualify for? We would require your income as well as your expenses. So income as far as what your salary is Any additional income that you earn every month as far as expenses are involved That would include how much you spend as far as your living expenses and also your contractual debt So things like your monthly credit card installment or your vehicle installment You can go on to the private property website and get affordability calculators there Or you can go to netbank.coza and also find them there and it allows you to input your income as well as your expenses And it immediately gives you an indication of how much you can afford based on what you've put in Netbank also has an instant bond indicator Which does a necessary credit check in the background as well and it gives you an immediate indication of how much the bank is Prepared to lend you and when it comes to affordability, what should buyers know and consider? Affordability is quite key because it is part of the assessment that the banks use One of the things that works really well when trying to determine affordability as a first-time home buyer Is to draw up a list of all the things that you spend every month Also draw up a list of all the income that you earn and then once you have that monthly view It becomes quite insightful because now you have if you're exactly how much you have Leftover to pay for a bond installment. What other costs should a buyer be aware of or consider? Great question Additional costs include things like the attorney registration fees the bank initiation fee Then you've got your transfer duty and a transferring attorney fee, which is also part of the transferring additional costs There's also the ongoing costs that one needs to consider Things like rates and taxes levies if you're purchasing in a sectional title Water and lights and even the moving costs so to get a removal company to come and move your stuff into a new home Can also be costly throughout this whole process. I was surprised to find out how effortless it was I could do everything online. I didn't even have to walk into a bank We at netbank have found that first-time home buyers enjoy the online application experience Because it's a 24-7 channel. You can apply anytime anywhere and you've got all the information available at your fingertips Netbank offers a three-minute affordability and credit check that you can do on the go Whether it be through the app or via their website It's quick easy and paperless by completing the questions asked You'll get an immediate indication of the loan amount they could offer the deposit required and the estimated monthly instalment To make sure that you're financially secure to purchase your first property Speak to your bank and make use of the many online tools at private property dot co dot zeta Whether it's your first apartment in the city a trendy suburban townhouse or that dream family home on a golfer state There's a home for everyone on private property