Mark Shklov, the host of Think Tech Hawaii's law across the C program. Today's second part of a two-part program about Hawaii's post COVID-19 economy with my guest, Roger Epstein. Roger is a lawyer and his legal career has focused on business and tax law. He's retired from the active practice of law but is presently co-founder and general counsel of the Asia Pacific Group, which facilitates transactions and projects between China and the United States. Aloha, Roger. How are you? Very good, Mark. Nice to see you again, as always. Now, in the first part of our program, which was broadcast two weeks ago, we discussed the post COVID-19 economy and you answered the question, how did we get here? Now, I want you to briefly summarize your view of the current economic situation in Hawaii and how we got here. Yes, Mark, let's put up the slides that I sent you. The first slide. Let's go to the second one. And there's a tremendous amount of information on this page, but what it does is compare how things were, I say statehood because there wasn't tremendous changes from 1959, 1960 through the mid-70s, not dramatic changes or the worst, they were kind of stable. And let's just take a look at some of these statistics real quickly just to set the stage for what we were talking about from last time. So the cost of a public university in those days was $329 a year. I paid 200 to go to college a year. I could earn 300 in a summer doing very little. Public university today, average 18,000. A starter house, if you graduated college and we're making $10,000 a year, you could really buy a starter house for $15,000, one and a half times your annual salary. Today, if you're making $35,000 a year, what can you get for one time that? Nothing. What can you get for five times 150,000? What can you get for 20 times? 700,000, that's the average house in Hawaii. So it's at least 10 times versus one to three times. So, and only one family member was working. We didn't get working wives till about the mid-70s and you could actually make a living and few people living paycheck to paycheck with one earner families. Today, 50 to 70% of the people in our community are living paycheck to paycheck. And that's with two people working, maybe two people, some one or more working two or three jobs. And when you retired, you got to define benefit pension. That is the company put enough money away so that you could get 30, 50, 70% of your last average salaries. Today, we've got 401K plans. This changed in the mid-80s, 90s. And whatever you put away, maybe the company matches a little bit and that's all you have to retire on besides your social security, which was never intended to be what people lived on. And so the average person today has 75,000 to 100,000 in their 401K. And the disparity between the rich and the poor. Senior executives and big companies were making 20 to 40 times with the factory worker or the average worker was making. Now it's 400 to 1,000 times. As things have gotten tighter for the United States, the rich have taken care of themselves, but not the workers, not the guys at the bottom. And Ronald Reagan came in in 1980 and demolished the Air Traffic Controllers Union. And what followed on after that was really the decimation of unions. Private business has only 6% of its companies with unions. Not that unions don't have their issues, but at least they protect your job and they give an employee some leverage to not get essentially wiped out the way they have been. So we have the 199% and we have a huge houseless population, the largest in the country, which we did not have in the early years. When I came here in 1972, there were not people sleeping anywhere near what it is today in the parks. And I mean, we just didn't have it. And here's the last one. This is interesting to me. The stock market in 1975 was $1,000. The standard and poor index. Today it's $27,000. And you might say, wow, that shows we're doing well. But what it shows is the rich people are doing well, the companies are doing well. The people that are making money off of this, we have 401K plans. And that has benefited, but not only that's just your retirement and it hasn't benefited enough to certainly make up for the loss of defined benefit pension plans. Okay, so when you say 1% versus 99%, you're saying that the 1% are the wealthiest people. And when you're saying stock market 1,000 versus 27,000, that means what? What does that mean?  So the relative value, this really demonstrates to me the increase in the relative value of invested capital. How much more is that work? The real estate is the same thing. Stocks are worth a lot more because corporations are worth more. That's your invested capital. The workers are getting paid less. And I asked you, how did we get here? So how did we get here? And what I said was this was not by accident. Let's take a look at the next slide. There was a plan formulated and distributed by Lewis Powell, who was at that time in 1971, the lawyer for the tobacco industry. And he became a Supreme Court Justice. I think Reagan put him on the court after he got in. And he wrote a memo, I have this memo, I've read it. It's just a plan that was implemented beyond anybody's wildest imaginations. And it was a backlash by the right-wing people by the Republicans to save the country from liberals. Just as I've said here, that's a quote in his memo. And he used Milton Friedman's concept of corporations that they should only go for profits. It used to be the Chamber of Commerce of the United States used to say the purpose of business was to provide quality products at reasonable prices, create jobs and benefit to community. And they changed that by 1980 to say the purpose of business is to make profits. Now, that is, okay, so we implemented- I don't know if I'm sorry. So the purpose of our talk today is, where are we now? How can we make it better? How we can make it better? So I want you to answer- Yes, so I just wanna say yes. And I just, one more thing before we go on, it's gonna get worse. That's my next slide. Just take a look at that. We didn't live this way 50 years ago. It's gonna be worse after post-COVID. We haven't seen it come next summer or next spring before the tourist comes in. Who knows where Hawaii will be? So again, I'm saying the next slide, I'm saying we could go back and make it better. And then one more, I start out with how do we do it? So the first idea since I've been a tax lawyer for all these years is to change the tax system in a way. When I first joined the IRS, let's go to the next slide. When I first joined the IRS, the highest individual tax rate had just come down from 90% to 70%. So if you were essentially making in today's dollars, about a million dollars a year, you were paying 70% in taxes. Today it's 38, 37 and a half percent. About half. Corporations were paying 50%. And we were living through some of the best economic times in the history of the world. So it's not like things where everybody was dying at the corporate level or the senior people, it was just spread around a lot better because taxation gives the government enough money to live on, to help the community out. And this is fundamental, Mark. I know we wanna go through all these things, but fundamental to this concept is what do you think taxes are for? And what do you think government's for? Is government to ensure that we have a quality of living or to be a part of that? That we have a quality of living that doesn't allow people or the sleep on the streets and doesn't make everybody live in paycheck, the paycheck, more than half of the population. It's wrong, I think. I think government has a role. Government is not, as Reagan said, government's not the solution, it's the problem. It's not, it's halfway in between. It's a combination of business and government working together so that we have a society where people have a decent way of living. So let me tell you a couple of things that I've suggested. The federal tax for taxation, the feds have lowered the tax rates from 50% now down to 21% just in the 2017 bill. Hawaii loses money from that because there isn't enough money at the federal level to pay for things in Hawaii and to pass money to the state. So Hawaii should pick up some of the taxes that the feds aren't giving them now. This is not unreasonable. This is- At the state level. At a state level. My solutions here are all at a state level because for better or worse, we can't do anything at the federal level and it's gonna be a mess no matter what happens in my view. But Hawaii can go on its own. Hawaii can do these things I'm suggesting and give our community a decent way of life. So if the feds knocked off 20%, was 35%, they brought it down to 21. Of course it had been at 50, then 35, now down to 21. That's 14 percentage points. We only charged 6.4% in corporate taxes. What if we doubled that to 12? That's not even half of what the feds gave away or what if we made it 10% instead of 6. Remember, even though it's COVID, this is an income tax. If the companies are struggling and they're not making any money, it doesn't hurt, it doesn't cost them anything. When they start making money, they kick in more of their share. This is the way taxes work. If you benefit more, then you need to kick in more because you've got more. A second thing is to double the tax. This has been suggested before the transient accommodation tax is now, I think 5%, something like that. It's much higher in New York. They've got a state tax and a city tax. I think it's about 14%. This is not gonna change the way people decide whether to come to Hawaii or not. It's not gonna have an impact any more than it is whether people to go to New York or not. So we double the tax. This brings in some 500, half a billion dollars. That's enough to, I think that's about 25% of our budget increase just right there. And remember, we don't have enough money to pay school teachers. We don't have enough to pay police. We've got all kinds of problems that change our society that are not handouts to people. They're just services that the government needs to provide. Here's another one. The real estate investment trust industry. This is an animal created by the tax law. These, the real estate investment trusts own $18 billion worth of assets in the state of Hawaii, including the Alamoana Shopping Center, the Hilton Village, Pearl City, many other trophy properties. They pay their income tax, their state income tax in the states where their constituents live, okay? They pay at 98% of their stock is owned by people on the continent. So the tax money that's supposed to go to the states goes there to other states instead of here. And Hawaii doesn't see any part of that. Here was what you're saying. Hawaii doesn't participate, except maybe 2% of the owners of these companies who pay the tax, not the company, that's all we get. So we calculated about $60 million in tax revenue that's gone to other states. We had a number of solutions. One of them was passed by the legislature last year and the governor vetoed it. And in my view, that was just a huge mistake. We have to understand that Hawaii is for Hawaiians. This is a local community. This is where people live. We have a treasure here. And if we give it away in a way that the people that live here, live in the hard conditions, why would we do that? Okay, so the other thing is we multiply, I don't say just increase. We multiply the real property tax on units, residences, but mostly condos, but also residences that are acquired by people that do not use them for either their personal residence or as rentals. If they use them as rentals, then that increases the rental market and it allows rental rates to come down for the people living here. But if they just hold it for themselves, they rent it out as a transient accommodation or they don't rent it at all like many people do, many very wealthy people own places here that they never use. And their tax rates, real property tax rates should go up dramatically so that they can pay the government to take care of in any way we can, the problems with high rental rates here. Okay, so Roger, you focused on the tax. That's your expertise. I wanna hear your other ideas quickly to go through your other ideas. We've got about, oh, 10 minutes left. And I'd like to hear what your other thoughts are. All right, here's one that's the next slide is one that we've quickly, we've been talked about a lot. We get our agriculture, we get our land back to agriculture and we get people growing crops. There's lots of ways to do this. What I've suggested here is collectively do the infrastructure and then lease it out at cheap rates to five-acre farmers who just farm there. You can make, I had, anyway, you can make a decent living much more than the average salary in Hawaii. If you operate a five-acre farm and sell your crops, maybe you have a co-op, the state could make the land available, philanthropists, there's all this sugar and pineapple land that should not go to housing development. It should go to agriculture so that people can live here. Okay. Okay, let's take the next one, volunteerism. We got all kinds of baby boomers coming of age, living longer. There's only two things you can use to create products and services, time and money. Money, there's never enough money. And if you get too much money, then the value of the cost of everything goes up. But an hour is an hour. We could get people to volunteer if that could become a way of life to help our community. So here's one, there was a program I saw in New Zealand years ago where elders would come into the class and just be a mentor for an assigned student, stand behind them or sit next to them and help him with whatever he needs or she needs. And it was a really interesting program and there's so much proof that one-on-one mentoring, especially seniors to younger students is a terrific thing. Another thing we could use volunteerism in for government service. There's no reason why you couldn't have a volunteer working in the automobile, passing out licenses and things. It doesn't, you can be trained to do it. And as far as privacy and confidentiality, they could swear to it the same way an employee does. Get the community involved. Get the community involved. It's so much better than throwing your money at it and saying, why aren't those guys doing a better job? You learn what they're doing and how it could be improved. Of course they'll be with that, but it just creates the possibility for so much more. And then get the government, get business to advertise for volunteerism. Let's put it out there as a really good thing. Okay, here's affordable housing. Here's one, there's been a lot of discussions, but here's the idea that I think only makes sense if you really want affordable housing. And that's the next slide. You really have to focus on the shelter aspect, the resident aspect of housing. You cannot have it be both a residence and your best investment. And so you need to separate those two. You need to make investment affordable housing only a residence. And the investment does not go to you as the owner. You get all the rights of ownership, but not the investment increase so that the affordable house stays at an affordable price forever. 10 years down the road, it's still $500,000 instead of a million dollars. Now we've got something that really could work. We take perhaps and using this model of buying houses and then letting people be co-owners with a Konohiki or a NGO allows them to use existing units. How many units are gonna be commercial properties? Maybe hotels that are no longer, I mean, they're out of business because of COVID. So we take advantage of that and we make them into these permanently affordable units. One quick, a lot of discussion, I'll just mention this. We revised the criminal justice system. Not only does this make the community more livable, you can save a lot of money. We're throwing away tens of months. We had something like seven, I got these numbers wrong, but the population of prison has gone up in this period. Something at least 10-fold, maybe double that. And so we've got, and this is all over the country. So you could, last year, 2019, the legislature commissioned a group of people to study what was wrong with the criminal, how we could revise it. And they came up with 50 ideas. I think one has been implemented so far. So we really need to change that.  These ideas been kicking around for a long time that we're in this committee commission paper. And so one of them. Not just get the community involved, but get the government to be responsive. Absolutely, absolutely. We need to partner with the government and we need to partner with business. We cannot do this unless we join as a community. That's what we have to realize. And only can we do it in Hawaii because of who we are with a community that doesn't hate each other, you know? Okay. So one of the things in criminal system, if you just changed the bail system, so you didn't put people who couldn't make their bail in prison, you would save something like $200,000, $200 million a year. Can you believe that? Just changing the bail system. Okay. What else? What else? Okay, here's one. Hawaii could create its own digital currency system. They could create essentially Hawaii dollars. What does that do? The government could say to you, Mark, you come and fix this road for me and I will give you a hundred Hawaii digital dollars, right? It's not currency. You can make, this has been done in other cities around the United States. It's not illegal. It's not like you're creating your own money even though you kind of are. But what you do is you get the government to say, I'll give you this. And if you want to use it to pay your taxes, we'll accept it. Now, once the government, once the state government accepts it for paying taxes, now the local merchants will take it because they also can use it for paying taxes. So it's more like it's a community and the government working together to have kind of a local trade system. Exactly, exactly a local trade system. And that system, you don't need to raise taxes because you're essentially getting the money in advance. The government puts out the credit and then you give them the credit back later on instead of the government waiting to pay you, you to pay your taxes and then them using the money. So I think there's a lot of things we could do with this thing. A lot of things. This is again, just ideas thrown out to think about. The last one, not the last one, I have a couple of more but I only have one more slide. I think we ought to take advantage of China as a huge asset for Hawaii. I know we're all fighting at the federal level with China but the truth is China is not going away. Hawaii is very Asian focused. China, I know I have a business there and I've been going there since 1982 in Hong Kong since 1974 and I work with the lawyers there as you well know Mark and you do too. They're not going away. They're gonna keep growing. Things are changing and I think my experience is China could really use America's health now. If they may not need it as much but they really need it now and we should collaborate become partner. My company has a partnership with China. That's all we do is partnerships. We're not looking to take people's money. We're looking to be win-win for everyone. And I think- And King Kalakala went to China and was looking for connections and networks and that is something maybe we should take advantage of that we have that spirit here in Hawaii. Mark, one of the things that I have been working on for about a year and a half now is something called the Shanghai Academy. The Shanghai Academy would like Hawaii to participate in meaningful discussions about all kinds of things rather than the federal level. And so we have many inroads into that. So let me tell you the last one that I didn't put on here because it has some tax issues but I'm trying to come up with a not-for-profit corporation that could allow people to exchange services.  It only works if it's for COVID people if it's because it's got to be a charitable kind of operation or everybody's going to get taxed on the value of their services without putting in any money, without getting any money. But I mentioned that because I wanted to put it out there. I think it's a great idea. I'm still working on it and I will include it. If anybody's interested in any of these ideas that we've got, I have this PowerPoint available. I'm happy to talk by phone or email. You can just contact you, Mark or think that. I'd like you to, what is the summary of your discussion? Put up the last slide and I'll show you the summary. So my summary is Hawaii comes together to create the community we want. We take those actions, we can right away and we move at a pono pace. That means we're all in this together. We know what we can accomplish and what we can. I truly feel that we could become a model for the rest of the U.S. in the world. And I love this saying, Queen Liliukalani said, she didn't go to war against the United States at the time of the overthrow because she wanted to preserve a loha for when it would be needed to save the world. And I say, is this the time? Well, that's a good question. And I think, frankly, I think it is the time. And I hope we can answer it. And you've thrown out a lot of good ideas, Roger. I appreciate it. And we have one minute left and I guess my question to you is, why should we care, Roger? Why did we care? That's a great question. And it's been talked about in this heated manner. All this Pila Kea we're going through with the right and the left and the red and the blue.  And so it's for future generations, Mark. This is a country that has a fabulous history and a lot of shadows, but we can make it what it's supposed to be and Hawaii and a loha are what the world needs. So we can do it here. And that's what you're here for, to make the world a little better place. It may not show up for two, three generations, but if you don't do it now, if you don't put in the work, it's never going to happen for your children, your grandchildren. And as the Native Americans say, seven generations down the road. Well, Roger, I appreciate your loha. I appreciate all your ideas, everybody. Roger Epstein has been a source of good information and we're throwing out these ideas and let's hopefully we can continue working with them and with the loha. So Roger, thank you very much. Aloha to you and we'll talk to you again. Thank you. Aloha everyone. Great pleasure.


Soils for Victor. Starring Mr. Robert Horton, a tale well calculated to keep you in suspense. So you're from the DA's office, huh?  So you can set the record straight? Why not? One guy's dead already and me next probably. Only one thing, go easy on Madeline, because it really isn't her fault. None of it. Okay? Well, I don't have to tell you about Hollywood.  They walk along Hollywood Boulevard where they stand around Schwab's drugstore hoping somebody's going to discover them. And once a day, they check in at their agents.  If he's a good guy, he'll let you use the phone. Barney was a good guy. Hi, kid. What's new? You asking me? You're my agent.  Local? Local. Okay. Sadame? What else? Something new? Yeah. Hello? Hello, it's Madeline there. Yeah, I guess so. Victor Rudiger. Who's calling some guy, says? She's probably married. So what? She could be the phone number, didn't she? Hello, Madeline? Yeah. Remember? Say, who's the guy that answered the phone? You got a sense of humor, too. The butler, she says. Oh, I just called up to say hello. I don't like to let things get cold, you know. That's right. Well, what are you doing with yourself? Well, now, for instance. Nothing. I sure would. Where do you live? Wait till I write it down. Is it pencil? Uh-huh. Okay, I'll do that. Bye now. So, though, you're taking her that don't cost no money. Why take her any place? She's got her own phone, hasn't she? And I know she isn't living in a phone booth. Hey, where's a place called Woodford Way? Woodford Way? Yeah, you ever hear of it? Yeah, it's in Bel Air. Bel Air? Yeah. That's pretty big stuff. Yeah, very big. Gee, you don't suppose she does have a butler, do you? Sure. There's a butler, all right. And she's the maid. All right, so we'll hold hands in the servants' quarters. How'd you meet her, kid?  She goes one way, the bundles go the other. I pick her up. So, you know, one thing leads to another. I buy her a cup of coffee, and I get her phone. Yeah. That's all. So, I give her a ring. Come up and see me, she says. What can I list, right? All right, what's her name, Matt and what? She didn't tell me, but that guy in the phone, whoever he was, he said that it was Rawlins or Raleigh, something like that. Mm-hmm. You don't read the papers much, do you, Vic? Sure, a daily variety in the reporter, every word. I'm in the newspapers. Is this her? Is this the same here in the picture? Is that her? Yeah. Yeah, that's her. Well, you see what it says? Madeleine Rawlins opens Bel Air home. Welty Sugar Eris, whose personal fortune makes her one of the world's richest girls. Oh, well, that's out. I can't compete in that league.  Yeah, but... A pretty good-looking guy. Yeah, but she's too rich for my blood, Barney. But trouble with you, Vic. You don't think big, hmm? Here's 50 bucks. What's that for? An advance. I want you to make an impression on the young lady. For what? Object matrimony. What? Funnier things have happened, Vic. Oh, come on, Barney. I can't compete with the kind of guy she goes around with. How do you know until you try? And even if I did get her to marry me, I couldn't fit into a setup like that. I'd be thrown out of my ear in six months. A lot can happen in six months. Nothing I can't make happen in six weeks without getting married. Oh, yes, it could, Victor. What? Something could happen to her. Like what? Like an accident. Accidents happen all the time. And they got community property laws in this state. You know what I mean? Now you go out and have a good time tonight. Don't worry about the details. That's what you got an agent for. Well, Barney was right. In the clinches, the richest girl in the world was just a gal. And I was just a guy. And I made out pretty well on that first date. Madeleine wasn't hard to take, and she acted like I wasn't exactly poison to her. So good old Barney turned out to be the kind of an agent that enacted dreams about. I mean, he bought me a car and a new wardrobe and set me up in a suite of rooms at the Bel Air Hotel, which is not only the swankiest pat in town, but it was less than a half a mile from Madeleine's house. After that, I didn't need much coaching from Barney. I just let nature take its course. And a couple of months later, that's right. We were married. I enjoyed being the husband of one of the richest girls in the world. And Madeleine, she seemed to think that she got a bargain in me. So I didn't have a care in the world. Except Barney. He phoned the first of every month like a bill collector. Just great, Barney. Forget what? Yeah, Barney, I'm trying to figure something out. I know. So when's the accident gonna be? Soon, Barney, soon. Don't worry, Barney. Sure, sure. Darling, where are you? I gotta hang up now. Who's on the phone? My agent. Oh, Vic, you're not going back to work. No, I told him I wasn't interested. I got my work cut out for me right here. That you have. And you don't want to pull behind, do you? No, ma'am. What's my assignment today? Come on out to the pool. I've been practicing my back jackknife. I want you to tell me if it's any good. She was quite a piece of work as she stood poised on the diving board. I couldn't help thinking I was the luckiest guy in the world. She held herself rigid, her back to the pool, hands out struts, then she flipped herself up and outward. Her body jackknife in the air, her fingers touched her toes, she straightened out, but not enough. Her head cracked the edge of the diving board and she fell into the water and sank to the bottom like a stone. She lay there in nine feet of water.  Here was the accident. Ready made. All I needed to do was just walk away and come back a few minutes later in her own swimming pool. But I didn't. I had her out of that pool and on the deck and I was giving her artificial respiration in less time than it takes to tell Madeline, baby, come on, baby. Snap out of it. You're going to be all right, baby. You've got to be. Please, baby, please, Madeline, please. Madeline, you all right? Yes, but my head... Boy, sick. You're crying. Me? You're crazy. Oh, baby, baby. So there it was. So now I knew. I couldn't let the accident happening for all the money in the world. I couldn't let her die because I was in love with her. I guess I've been in love with her all along, but didn't know it. I guess I thought that if I didn't face up to my deal with Barney, he'd forget about it. But not Barney. My six months were nearly up. So I tried to talk him out of it. Well, kid, you ready for the action? Listen, Barney, I got a better idea. A better idea for what? How to get dough out of the setup. How much dough? Say, 50, $100,000. Are you kidding? No, I can manage it. I'll tell Madeline I've got a surefire thing in an oil well or something like that. Look, Vic, I'm your agent. Remember? I set you in this part. I expect my commission. Nothing more, nothing less. Ten percent. One million dollars. But Barney, don't you... You're not trying to chicken out, are you? Barney, I don't like murder. Who's talking about murder? It'll be an accident. It's murder. I don't want any part of it. I'll take the 100 grand and let's forget it. Kid, it is becoming clear to me that you have gone off the deep end for this broad. So I'll ask you this. Who do you love more? Her or yourself? What do you mean? That's what it comes down to. Somebody's going to have to have an accident. If it's her, you and me live happily ever after.  Well, you see, kid, I've got connections. I wasn't always a Hollywood agent. I used to have a lot of interests back east, which I bring up in case you're thinking of packing a bag. Well, what about it? All right. That's better. You got it figured out? The accident? Sure. A burglary. I break into the house. You and your wife hear the noise. You come downstairs and find me at the wall safe. You got one, haven't you? Yeah. In the library. Yeah.  Only you hit her. I? Why not you? No. No, no, no. If it's an outside job, they keep looking for the guy. And they might find him. But if you do it, it's an accident. Open and shut. No more trouble. You see, kid, I think of everything. Yeah. You want to set a time? The sooner the better. Friday night. Friday night it is. Oh, and, uh, Vic. Yeah? When you shoot. Don't miss. I had to go along with him. I had to know what his plan was and then maybe I could think of something. And I did. There was this girl, Helen, that I used to know before Madeleine. And she was the kind of a gal like I could count on. I hoped. Hello, Helen? Yes? This is Vic. I thought I'd ever hear from you again. Look, Helen, I want you to help me. I wouldn't ask you, but I'm on a spot. What do you want?  Thanks. Listen, I can't tell you over the phone and don't talk to anybody, not to anybody. But what are you doing Friday night? All right. I'll be in touch with you. And remember, keep Friday night open for me. The next thing was to get Madeleine safely out of town. On Friday morning, we drove up to her place at Lake Arrowhead. After we unpacked and changed, I moped around a couple of hours stalling until I knew I couldn't stall any longer. She was down on the dark sunbathing and I went up to the house to get her a drink. When I came back, I acted like I never acted before. Madeleine, I don't know what to do. About what? Well, while I was up at the house, I got a phone call and I've got to go back into town tonight. Why? It's a deal I'm working on. Won't it wait until Monday? No, this guy, he's leaving town in the morning. Madeleine, don't look at me that way. Vic, I don't believe you. You've got to, please. It's all right. But remember this, Vic. I love you. And I do something dreadful if anything ever came between you and me. Anything or anyone. I know Madeleine. Make sure you do. The deal will be settled tonight. I'll be back the first thing in the morning. You understand how it is, don't you? Yes, Vic. I think I do. I drove down to LA feeling like the world's worst healer. I called Helen, told her how to get to the house, where to leave her car, how to get in without anyone seeing her. That was just in case Barney was already watching the place. It's about eight o'clock when I let her in. Am I on time? Sure, sure. Boy, what a dump. Yeah, it's quite a place, isn't it? Oh, it's awful empty, though. I had an idea it was kind of a party or something. Well, it is kind of. The people I'm expecting they'll be along later. This way. Gee, I knew you'd married into the crazy, Vic. I didn't know it was anything like this. Come on in here. What's this? Bedroom, dressing room. So this is what rich people call a bedroom. Wow, look at the mirrors. Yeah.  Oh, like this? Yeah. Sure. That part of the act? Yeah. And while you're at it, slip off the things you've got on and put on this nightgown, will you? And the dressing gown, too.  Hey, now, wait a minute, Vic. It's nothing like that, Helen. I'll wait outside. It isn't one of those divorce things, is it? No. Like I said, it's just sort of a gag. OK. You're the doctor. I knew I didn't stand the chance in the world of getting Barney inside unless he thought he was seeing Madeleine. So we sat by the picture window in the living room, had a couple of drinks to pass the time, and then a little after midnight, and I heard what I'd been waiting for. Come on, Helen. The people are here. Oh, a blast. When we get into the library, stay right behind me and don't say anything. Hi. Here we are. All right, Barney.  What's the idea?  That's right. What is this? The old double cross? Yeah, the old double cross. Ah! Ah! You killed him. He broke into my house. It was a burglar. But that's Barney, but not he. He broke into my house. Oh, Vic, I don't want to be mixed up in a murder. You're not going to be mixed up in anything. Nobody saw you come in here and nobody's going to see you go. Now, come on. Well, is that why I mean your wife's night down? I'm sorry, but I couldn't tell you more and I can't tell you now either. You better get your things on and scram. I'm going to call the cops. All right, Vic. What's that? Madeleine. I told you what I do, Vic. Madeleine, put down the gun and listen. I said anything or anyone. Madeleine! Those are the facts. Put them in the record down at the DA's office. None of it would have happened if I hadn't listened to Barney. It was his idea. Barney's dead and I'm dying. Please go easy on Madeleine. She was just an innocent pristender. Can't you just say it was an accident?


Hello, I'm Dr. Hank Dassenger, Dean at the Community College of the Air Force. Did you know CCF plans to launch a new degree program in the fall of 2021? Like CCF's other degree programs, the new degree will be an Associate of Applied Science Degree, or AAS. But unlike CCF's other 69 degree programs, this new degree will not be tied to a specific vocation or AFSC. The new degree is called the AAS in Military Technology and Applied Sciences Management, M-T-A-S-M, pronounced M-TASM. But why a new degree? Each AFSC determines how best to train personnel within the career field to become mission capable. And there are fairly significant differences across career fields in this preparation effort. For some career fields, the amount of training required while adequate for mission readiness did not fully meet requirements for an academic degree. As a result, CCF created over the years several credit awarding policies to bridge the gap between required career field training and degree program requirements. While well-intended, these policies were not in alignment with academic best practices and academic rigor. So as many of you know, we have been in the process of changing these policies and practices. Unfortunately these policy changes have left several AFSCs short of meeting the requirements for the traditional vocationally anchored degree. This is where the M-TASM helps us, as this new degree does not rely on any specific amount of vocational training as a degree requirement. In short, the M-TASM will provide a pathway to a CCF degree to enlisted personnel from those AFSCs and some special duty identifiers where the amount of academic credit earning vocational training is inadequate for the traditional vocationally based degree. At CCF we're excited about this degree opportunity. We'll be providing more information through your education services personnel and on the CCF website. Stay tuned for more detail on the soon to be released M-TASM degree. Thank you for listening.


I'm at the East Circuit on Facebook, Twitter and Instagram. Before the break, we were talking to Wavinya Williams, Tomeonga, about the reaction in USIU because now she's a superstar. You're studying IR over there. The collaborations you've done, the productions you've done with urban coaches as well. And I feel like I'm at Kujivo. I think I'm going to add here the reactions in the USIU. OK, for those people who know me, ok, nikiwa actually I'm a bit low-key. I just come, go for my classes immediately in my talka. So ok, asiwa na nijwa, but we'll try to misquend that pooping in school. But isn't that like, you know, the point of it all? Yeah, it's the point, but it's not the right place.  I can't. The digital Russian understands what I'm saying. Yeah, I know. Celebrities like me. But now there's a pempilav, yeah? Yeah. We were talking about that earlier on and you said that you're diverse.  How is the reception with this one? Because they are the regular fans that you've had ever since a polypoly featuring Raj and Tehukon and now a pempilav. People have seen you, they've seen you grow as an artist, as a rapper, but now you're singing. How's the, is it mixed reactions? How do you feel about it first of all? Actually, I got a good reception. You got a good reception? Yeah, more than those two projects I need to find. For pempilav in a video, it's a visualizer. But the way people are doing it, Mika, it's a video. It's like a video already. Yeah, so the reaction, reception, it's good. Yeah. Are you going to do more Afropop? It is Afropop, right? Yeah, it's Afropop. Are you going to do more Afropop? No, I'll mix everything. In Tajaribo, I do Afropop, Zuki Dog, I mix everything. I'm going to mix everything. You know, I wanted to ask, because most of the time when you see an artist do such a thing, like mix it up in terms of genre and even in terms of like a style of music, it's more like a monetary thing. Did you see like there's more money in that genre or? Because it is the music business. Not really. Okay, me switching up, I realized that people love that sound. Yomana, I tried to do something and yeah, people are going to like it. So it's not about the money. Okay, the money, it's there, but the main point is, everybody should love my projects. Oh, so you're basically just covering your bases? Yeah, yeah. The people who are set on this, set on this, set on this. Is there like a reggae coming soon? Okay. What are you not willing to do in terms of the Spotify? Maybe reggae, I can't do reggae. I can't do reggae, I can't do the auditing. Auditing. Oh, what is the auditing? How about giving me this example of this auditing? Like, yu kwemba na kisoili enye, it's shank, that's a big challenge for me. So you see the genre. Give me an example of a song. Uh, why? Ure jo zile odi danse ziku, you know there, ma. Uh. Siya ti, I can't do them, but it's not my style. But it's not your type of thing. Yeah, it's not my style. That's interesting because there was a conversation. Si kumikuna this play-key and we've talked about this before. Play-key in music, play-key in music. Then there's the other people who are saying, well, hold up, what about the content that is there? Exactly. Now you as a lyricist, as a rapper, you end up saying all of your genres, they are cares and you're writing properly. Yeah. And at home some of these are limits to what you do. Yeah, what you can do. So what do you think about the situation in terms of content creation? That's kind of new school-ish that they're trying to force on us. Do you think in the content are you kumikuna or what is your perspective on it? Okay, you know, in music industry, kilam twa kuna target audience, siya ke. So maybe those artists or the audit kumikuna audience, audience siya. The same thing to me, kuna enye, watias kiza muzikengu. So it's all about pleasing your audience. So you do audit, you do the pop thing, as long as you are audience, they're okay with it. That's the most important thing. Yeah. Like in our karedi, you can you wanna find? Wana karebiya kwa sababu, they are getting views. No, no, they are getting views. Siwa titi, they are also getting views. Mibu aka jaribu kweka kitu enye. Maybe Paris, they can listen too. Ineza kwa much better than just singing. Kenye mi enye, we can listen too. Mibu aka kwa ngeza, we too, more serious. But they are getting views. So the only kwaum with that is like mostly the, maybe the inappropriate things they might say within the track? But even kwa hip-hop and those other genres, they also sing semi-twenty when you know. No, no, nia, right? Wakuna potential kwa, they can do great. With regard to that and the Kenyean industry and the Kenyean artists, you've done a collab with Raj. Are you planning on doing another collab with someone else? Who do you have in store for us? Funa, I can't say it. You have to? No, I can't say it. You're home. You're supposed to feel comfortable on the East side. Funa, I can't say it. I can't say it, but I want to do the song with it. But what I can say, I'll be more consistent. Like Stuckhouse and... In terms of all, in terms of like release dates. So says I'll be more consistent with my work. But I'm going to produce good work, that's what I'll say. Is there an album in the works? Because also that's another conversation I've had before. We said, okay, albums now, but we've seen people are starting to release albums again thanks to digital media, things like boom, play and iTunes and the like. So what about you? Did you change your mind on that? For now, I'll just focus on the solo projects. You know, the same 10 ways into our album, people don't know you, you need to put in work. Work on what they are going to listen to. So I just take baby steps till I get wherever I want to go. That's interesting. I like that perspective.  But at the same time, I'll try and also do features. Tafanya singles and features. And then maybe 2 to 3 years, I'm a one ukulele and I'll do my album. I'm a superstar in New Moaka, in Moaka, I'll be a DJ in Russia. New Moaka, lasima to party. Lasima to party. We're about to play a Pimp You Love by Wavenia Williams. It's a hot, hot track. It's actually the visual of Pimp You Love by Wavenia Williams. But before that, I want you to tell us where we can find you on social media and YouTube. On Instagram, it's Wavenia underscore Williams. Tita, it's the other way around. Williams or Wavenia, Facebook or Wavenia Williams. Facebook or YouTube or Wavenia Williams. Basically everywhere it's Wavenia Williams. It's Wavenia Williams. Apart from Tita, it's Wavenia Williams. Wavenia Williams. If you missed the first interview, Williams is the dad's name, just in case you're wondering where she's from. Williams is from the dad's, so... Sesh tu ke sahara. I love her so much. I want you to tell me where she's from. I don't know her name, I don't know her name. Boxing in Gumu. Boxing in Gumu.  Yes, I have so many shout outs. My inbox is blowing up.  You can find out DJ and Lil Russian. I'm a white people and they are so cute. So I have Samuel Jiro. He said and he shout out. There's Kevin Muriyuki. There's Chokora Tajiri. There you go. Rewind selector. That's it. Chokora Tajiri. Chokora Tajiri, Nixon, Mukagati, Musomi, Deno. People from South B, South C. I have somebody from Kileleshwa also watching Tundinia. Shara to you. Asafika Bisa. Asajisana Wavenia Williams for joining us yet again. And giving us some good good music. You're welcome. Thank you. This is Pempeloved by Wavenia Williams.


So one thing I'm going to introduce as a framework to understand how we learn and how we function as learners, but just as humans is something called the window of tolerance. This is actually a neurophysiological concept, but I promise I will bring it to a level that's a little more approachable for everyone. You didn't get trapped into a biology lecture here. The window of tolerance is a way of describing how much stress you as an individual can handle at any given time. So when you're in your window, you are able to learn. You are able to have a detailed conversation with someone you're able to listen. Oftentimes, though, for various reasons, we will go out of our window. When you do, you can either go into hyperarousal, where all your systems come online. So your heart rate goes up, blood pressure goes up, and your thoughts generally start to race at this point. So everything is faster. This is also where you would categorize fight or flight if you're familiar with that term. When you think about it, fight or flight is really an evolutionary response. It was very helpful when we were cave people and there was a bear and you needed to get away from the bear. What fight or flight does neurologically is it diverts all of your resources cognitively to the part of your brain that's designed for survival. So you're keyed into emotions like anger and fear, and higher order thinking essentially goes out the window. When you are being chased by a bear, that is great. That's exactly what you want.  It does remove any chances of meaningful learning in that moment. In other words, you feel jittery and you can't really calm down. Now, hyperarousal has the same results in terms of learning. You're not able to in that moment. Hyperarousal can also be called freeze. So it's actually fight, flight, and freeze. Freeze isn't often talked about. But this is the act of shutting down. From an evolutionary perspective, this is playing dead if the bear is coming after you. So here, everything in your body will slow down. Become numb, lethargic, your system's slow as much as possible. Again, to direct resources where they need to go. In classrooms, you may see this as shutting down behaviors. So students that suddenly disengage, whereas a student who's in hyperarousal maybe is a little more reactive, defensive, or they're having trouble focusing on one thing. And certainly we all have periods of hyper and hypoarousal. And you probably have one that you're more likely to go toward, hyper or hypo. So one thing that we're going to explore today is all of these strategies are designed to help make our own windows bigger and our students windows bigger. So what's nice is this is really a strengths-based approach. It's about how big can we make these windows during a very odd time. It becomes an opportunity for our students to learn in more environments. And really that's what we want in higher education anyway. Windows of tolerance also change contextually from day to day. If you haven't had any water recently, if you had a bad night's sleep, if you're feeling sick, your window's actually going to be a bit smaller. So one thing we're going to invite you to do is think a little bit about what probably influences your window of tolerance, but then what also influences your student's window of tolerance too. And you'll find that those two things often can play on each other, right? So if you're distracted or hyperaroused, you may start behaving in a way that elicits a similar response from a student or if you've ever had a conversation with a family member or romantic partner, I'm sure you've seen this happen before. One other thing we really feel is important to clarify here is that being in your window of tolerance is necessary for learning. Your window of tolerance is not your comfort zone. We should not conflate those two things at all.  You are safe from external threats. But as we also know from learning theories, you often have to be a little uncomfortable cognitively or emotionally in order to elicit real change. And so one thing you may want to consider is when do you know that you're uncomfortable compared to when you're unsafe? And actually this is an exercise I will do with some of my classes, where at the beginning of the semester we generate examples of what it means to be uncomfortable and what it means to be unsafe. Another way to think about it is if I am training someone at the gym, I don't want to make things comfortable for them. I wouldn't remove all the weights from the gym. So part of this is being mindful with these strategies that we want our students to still be empowered to take accountability for what's coming this semester. We also want to make sure that we're responding to them and engaging with them in a way that allows them to widen that window as we go through. So it's a neat opportunity for us and them to figure out how to develop some more resiliency and resources here.


Hey guys, it's Nate, aka The Foot Accountant. Welcome back to the channel. Today our questions are finally gonna be answered. What in the world is this team of the season award winners promo? We have the loading screen right now that shows us two different Erling Holland cards. The Tots card and this award winners card design. Is it gonna be the same card? Is it gonna be different? We're gonna talk about all of that in today's video because all we have are a few leaks and FIFA history to look back on to try to figure out what this promo is gonna look like today. And with that being said, I do believe there is a lot to discuss and a lot that we can expect to see on the game today. We do have some confirmed leaks and the market's gonna move a lot today. And I wanna talk about how that could be based on the way the content goes as award winners is here in FIFA 23 today. So if you're excited for this brand new promo, drop a thumbs up and if you're a subscriber if you're new, let's quickly go over the content from yesterday on Thursday because we have a whole brand new season and I know you guys have looked at this but I wanna gloss over this just really fast and kinda talk through a couple things once again that I see from this season. First of all, we have got 40 levels instead of 30. And inside of here, there's a lot of packs, a lot of stuff going on here. I like the level 40 thing instead of just level 30 because technically you get more packs and it's only 40,000 XP in total, which is a lot less but also once again, we do see already that EA are going to be giving us a lot less XP per week, right? All the objectives for the last season are like 1,250 XP per objective that you were complete and now it's 125 times eight through this weekly objective and then a bonus of 1,000 XP as the group reward you can see right here. So this is gonna be releasing every week. We believe the weekly objective to get 2,000 XP per week and then obviously EA is gonna have to give us some other way of getting XP through playing games and the daily objective through that or through other objective players like we got in previous weeks of team of the season. So I feel like the grind here, it's gonna take us a while, right? It's gonna take a while to get up to these higher levels. Like I would not expect to get to level 30 and get this absolutely correct Tony Cruz Senate offensive mid five star, five star card. It's probably gonna be in like 30 days, man. It might take us a day per level to get there or somewhere around that. So it's gonna be a slow season, I feel like it but the rewards in here are really nice with this Tony Cruz, some really big packs inside of here. You've got an 85 times 25 at the very end. You've got a cool Tiago Silver card here our first shape shifters that have been dropped in the game. So I'm a fan of the season. I feel like though, once we get towards the middle or to the end of it, it's gonna kind of feel like the last season did cool but like not as insane as it does maybe seem on the first day. So really curious to see where else we're gonna be getting XP because right now all we have is the daily objective and the weekly objectives. I would assume there's gonna be other ways that we can get that. Now with that and we're gonna talk more about this today we can leave rewards because they really, they updated weekly rewards but it's still unknown as I'm looking at this right now, you can see that player pick descriptions are not added in. It says player pick item description. We believe those are gonna say ultimate team of the season because once again, if you take a look at the tradable or untradable three players packs in rank four and above, it does say an ultimate tots three player pack and that is a pack that's been added to the code and we've talked about it, we've seen it. So we would imagine that these player picks would also be ultimate tots player picks which is why we think something around today's content is gonna be related to ultimate team of the season not just the tots award winners. So we had all of that going on yesterday and we had a very kind of interesting Kiesa SBC cracked looking card with the 99 pace but the biggest let down here is no five star skills or no five star weak but we just wanted one of those to be upgraded this card to make it absolutely mental. This is gonna be a very, very good card in game but if you're not running a serial squad or you need the UVA links, honestly this for me is a pass because he does not have that five star weak for the skills which at this stage of the game is so necessary and especially for the price. It's not a bad SBC, we just wanted a little bit more. We also had the refresh of the 90 plus icon player pick which made fodder move and we'll talk more about fodder in today's video as well. So let's dive in to the information about this promo starting today, tots award winners. This was a loading screen yesterday that if we thought we maybe had it figured out about what this promo might be, it just kind of confused it even more. Does this mean there's going to be tots cards and award winners in packs? Does this mean that Erling Holland's gonna have both his tots card and the award winner? Are they gonna be the same rating? Are they gonna be different ratings? That's the biggest question. There's so much that is unknown about this promo as we head into content today which is kind of nice in a sense, right? It's not like we have a full entire promo team leaked. We can kind of decipher who might be in packs today as some of the award winners specifically but it's not like we've had a whole team that's leaked out and posted for us right now about who is going to be in. Now, the biggest thing that we're expecting still from this is from the original leaks is that ultimate tots and tots award winners are somehow gonna be combined together in the promo today and it's gonna be about the golden boot winners, the most valued players from each of the top five leagues and the original leaks said that there would be three players released from each top five league, one MVP player, golden boots and I think most clean sheets as well, like a goalkeeper. So we've already got the Ter Stegen League for La Liga and we've got guys like Mbappe, Holland, Oseman, Bellingham, Lewandowski and Kavica that should all be a part of the award winners release on this game today just because they fit the criteria of what was leaked. And we still think it's gonna be 15 award winner players today but what about the rest of the squad? Will there be other cards in packs? And that's where I believe the ultimate team of the season aspect comes in. Also, I would say this, if ultimate team of the season has just re-released tots cards and it does not include the award winners, I think that would be a big disappointment on this game. And as I'm looking right now is the award winner card design even in the game. You can see there's a shapeshifter's card design. They actually also just added a shapeshifter's premium card design which actually has a little crown on the top right there that's just been added to the code. So that's why there's two shapeshifter designs in here. That'll be for like next week and looking forward. I don't imagine that's gonna be a part of the content today but with team of the season cards, of course, being the end of team of the season with ultimate tots, I do expect some of these guys to get re-released today. I just don't know in what capacity that is going to look like.  So that's the biggest question mark in for today. We just don't know what's gonna be impacts today apart from that something around the lines of team of the season cards and these award winners are going to be in. Now again, the leaks do continue to say that these players, I'm gonna pull up a Twitter account here. This is called, this is Nicky Kai. This is the same guy who leaks with FIFA U team. He quoted Nepenthes' tweet yesterday and said, these cards will have the same ratings and stats as their respective tots items. The dynamics will likely be the same as well. The only expected difference is the card design. And that's kind of what I gather from this loading screen right here. Is it Tots, Erling Holland is gonna be the exact same as his award winners card, but just a different colored card and a different card design. That's basically the biggest difference here. And I'm just curious to see what other cards EA put in packs, how many Tots cards they put in packs alongside of this. So like every year with Ultimate Team in the season, these guys that get re-released, they're gonna be tough to pack anyway, right? If we talk about like layout, if he gets released today or you know, even guys like Pedri, if he gets re-released or Vinny Jr, right? Those guys are not lined up to get these award winner cards, but they could very easily be re-released into packs today as a part of Ultimate Tots. They're gonna be difficult to pack. It's not like all of a sudden Pedri is gonna be very, very packable, but they will be re-released back into packs. And that's why today's content is really gonna impact the market a ton in a lot of specific areas. But I think along with the cards dropping impacts today and how this promo actually unfolds, I feel like the SBCs, we've already kind of looked at it really quickly over here on the left is these SBCs for today, right? This should begin. We have no, you know, loading screen confirmation, nothing apart from leaks to tell us this, but this whole entire week of this promo is supposed to be giving us an end of an era SBC player every single day. We've seen guys leaked like Milner. We've seen a Roberto Firmino end of an era leaked and we have two brand new leaks, Sergio Busquets as an SBC and Jonas Hector as new end of an era cards. Now that's four end of an era leaks that we officially have. We have not seen his Latan or a Benzema leak yet or any other cards besides those four. I would imagine that one of them would drop today and if I had to guess who would it be, it would probably be Milner or Firmino since they were the earliest leaked cards and probably Milner as he was the first and first card that was posted on Twitter as kind of a leak or anything along those lines. So if I had to guess, that might be our SBC today, which if you kind of ask me about that and think about that, doesn't seem super crazy hype to me. So I'm wondering if EA are gonna drop anything else today in this game or is it gonna be kind of what ultimate team of the season is? Like ultimate team of the season has always been in the past couple of years. A really exciting time because yes, you've got the best of the best Tots cards that are in packs and especially this year, I do believe that is gonna include some Tots moments cards like Ronaldo, potentially Neymar and big name players are going to be re-released into team of the season, ultimate today most likely, but they're just so hard to pack and it ends up being a everybody goes and opens packs and tries to get these guys because it's another chance or the best time to open packs during a team of the season is often viewed as today with these cards getting re-released. But again, it's still so difficult to pack them and I just remember last year in Ultimate Tots, it was a really, really boring week of content. Now the end of the era stuff should help with that. The award winners hopefully help out with that as well, but there's just a lot to be seen today about this game and about this promo that would really be crazy, crazy exciting or crazy new. So I've got hope for today to be a really insane promo Friday. I just have a feeling that it actually might let us down based off the SPC leaks that we have and I have no idea if we're gonna get an objective player today because team of the season cards, I guess maybe they could put somebody else out in objectives or maybe an award winner would be dropped via objectives, but evidently those cards are only gonna be in packs. Again guys, a lot of unknowns for today, which is gonna make it a very, very interesting market day as well. And that's what I wanna talk about next because today could have huge market implications like we've talked about. Anytime cards get re-released back into packs, we looked at the graphs earlier this week, they get destroyed, right? Remember, Theo Hernandez team of the season last year was like one million coins, he got re-released back into Ultimate Tots, he went all the way down to about 500K in that week, he was re-released. Guys, we've seen a lot of panic selling, we've seen a lot of card prices drop like this Griezmann who was like 3.2 million coins last week, he is now down to 2.2 million coins. I think there is going to be some panic selling continuing into today and Friday as there's an unknown situation here with what cards are going to be in packs. And once we figure out what's gonna be in packs today, that's gonna kind of decide how the market moves. If we start to get leaks, if we start to get information before the content drop today, or if we have to wait until content, if this Griezmann gets re-released back into packs, this goes for anything today. Anything that gets re-released is gonna drop off a lot in value.  I'm honestly gonna say this today, I don't think everything on the entire market is going to drop unless this promo is like absolutely insane and way better somehow than we all are expecting it to be. I do believe some cards will go down, especially if they're re-released, but some of them could rebound back up as well. And I would specifically look at cards that are very hyped, that are very meta, that maybe don't get re-released, right? You're taking a look at some team that's using cards from maybe League One. Like let's say, Jonathan David does not get re-released back into packs that are a guy like Varate or Marquinhos who are still very popular players. Nuno Men still holding a price of 320,000 coins. Let's say he's not re-released today, he might go down a little bit, but then I also think he could be coming right back up in price as people go and they play the Weekend League, right? With the Ultimate Tots cards, whatever that looks like today in rewards, unless those rewards look really, really bad, there's still gonna be a lot of demand for Weekend League because we still are under the same Weekend League schedule with the start time being two hours after content. So with that expectation set, I as always expect to see the highest prices on the market around one, the first to the third hour after Weekend League actually starts. Right around there is when we have usually like the bubble, if you will. When a lot of player prices go up because people are buying cards to go play for champions to go and get those rewards. So that's kind of what I'm thinking today for a market perspective. I would say this too, guys, we're getting towards the end of the year, right? And a lot of prices have been very inflated and probably too expensive in the last couple of weeks during team this season. We've got a shapeshifter's promo upcoming, which we've already seen cards from objectives. The cards look absolutely insane. And they're gonna continue to look insane as they get released the next couple of weeks. I will be very careful holding on to cards in this week, this next upcoming week. This weekend, the market might do really well if the content today is underwhelming. If we get a bad end of an era where we're just not a super hyped one and the content impacts with the award winners and the Tots cards is just not that good, then I do believe you could see some prices going back up on the market. And you might see some really big rises today. Like that's actually very possible on today's game. But at the same time, I would expect basically everything on the market to be cheaper next week on Friday and into Saturday into Sunday next weekend, specifically with shapeshifters coming out. Shapeshifters is always a promo that impacts the market a lot. And we'll talk about that a lot in this upcoming week, of course, as we get more information about it. But I'm keeping my coins pretty liquid today. I do expect today to be a really good day to trade and make coins, but also it's just a day to maybe sit back and say, hey, if I'm looking to buy somebody from my team, wait for content, look and see what is released. If a card gets re-released in the packs that you wanna buy, watch the price drop down a bunch, buy it, but then don't hold on too long because it's gonna get packed, of course, during the next week. So there's just so many unknowns today. It's kind of different, right? It's different that we have so many question marks for today on this game. Now, one thing that is not in question is that fodder prices are going up. And based off of the SBCs that we get today, we could get flash SBCs today. We talked about the end of an era SBC kind of daily stuff happening today, it's starting today. That's for sure gonna happen. Will we get any other sort of content though, is the big question, how is that gonna impact fodder, you've got TOTS cards that are 28, 29,000 coins, they just keep going up in value. And will we get a flash SBC? The last few weeks we've had flash SBCs and I would have to imagine that EA is not going to pass up on the opportunity today to give us some sort of, whether it's an 86 double, we already have that, so probably not that, but a player pick, some other sort of SBC they could drop today as a flash SBC, which has been kind of a staple of Friday content during team this season anyway, and that could make fodder go up a lot in the couple hours around the content drop timeframe. Why would EA pass up on an opportunity with these guys in packs to not release a pack, right? I feel like they're going to do that, but keep an eye out for fodder today because it should drop if we don't get a flash SBC. The lower tier is gonna get packed, there's gonna be a lot of lining rounds and saved up packs open today. Some people have been saving up packs for ultimate team this season for weeks because they know that this is one of the bigger weeks of team this season when there's more cards in packs, big name players, if you're gonna hit something big, now is the time to open. So a lot of people save packs for this week, which I do think could drop some fodder prices, but once again, what do we have upcoming? Daily SBCs, an icon player pick SBC that's probably gonna come back, whether on Saturday or on Sunday, some other sort of icon pack. We got so many player SBCs, like we said, coming. Fodder is such a really, really good investment still in this game, I just wanna see prices drop down before wanting to go back in on some of that fodder. And if you bought 88s at like 15K, 16K, they're up at 19,000 coins because of the icon pick dropping again yesterday, just hold on to these, man. Really, just continue to hold on to these cards. You saw the spike that we had yesterday. It's nice to see the price rise, but we're honestly not done yet. Same thing with the team of the season cards and all the fodder right now on this game. The only thing I would be a little bit careful about would be the 83s to the 84s and the 85s. And the only reason that the 83s, 84s, and 85s are this expensive right now on this game is because we got that 86 double. We talked about this in last night's video as well. You've got that 86 double pack right now that it requires an 84 squad.  So if fodder goes low, could be a good buy opportunity, but it's gonna be a crazy day of content today. I've got some packs saved up. I'm thinking about building up some player picks, but I think the player pick luck today is just, it's not gonna be good, guys. And I'll think because these were bad even for Seriatots last week. What's gonna make them good today for Tots award winners and ultimate team this season? So I hope there's some surprises today. I hope something about this award winners, Tots ultimate, whatever promo that we're getting today. I hope there's some surprises, guys. Hope there's something cool about it because yes, it does look like it's gonna be a nice promo because it looks similar to ultimate team this season, but there's gotta be something in here that makes it a bit different today in this game to make it really, really exciting. So that's the video for today, guys. If you did enjoy dropping thumbs up on a comment below if you have any questions and subscribe if you're new. If you're new around here also, check out the Twitch streams. Link down below in the description. We'll be watching the market, trying to make some coins, opening packs and having a blast today with this brand new promo coming out. So again, see you guys on the Twitch stream today. It's been Nathan from Accountant. Catch you guys later. Peace out.