Good afternoon everybody. Welcome to our webinar this lunchtime. I can see participants coming in, so this is really great. My name is Stephen Flower and I'll be the host and also presenter during this with two other colleagues. We're just going to wait a couple of minutes as we always do for people to arrive and get comfortable. So there'll be some mood music to help us through this awkward minute or two. We have John with us from the cooperative of comedians. There could be, we've missed an opportunity here John for some warm up. Yeah, tell us a joke about co-ops. So I'm just waiting for the sign that we're ready to go. And we'll be here for one hour. We have some information from the co-ops UK about co-ops and then three presentations from colleagues that are in co-ops and were freelancers or a mixture of those. And then we should have time for questions and such as well. So just to know if you do have questions, it'd be great if you could pop them in the chat or and we can see them. And then we should have time later on towards the end to discuss and interact. Okay, so I think we're ready to go. I'm just looking for the sign from Jennifer. We're good to go. Thank you. All right. So welcome. So today's session is about freelancers uniting and how co-ops the cooperative model can can can help with that. And so as I say, we've got three organizations sharing their stories. And then before we do that, we wanted to just introduce those three people. So my name is Steven flower. I'm from open data services. We're a worker cooperative that we were freelancers and and joined together to form a company eight years ago now. And alongside myself, we have John Gibson. I think John the spotlight is on you to wave and say hello. Hello. Hello. And John's from felt now to productions. That's a couple of stand up comedians in the Northeast of England.  So we'll see, we'll see about that. And also with us today, Melissa McNabb. And I think that spotlight Melissa and say hello. Thank Melissa. Melissa's from a director of code operative, a co-op of freelance software developers also based in the Northeast. Same part of the world as John and felt now. So this so us three, we're going to talk to talk about our stories about our situations as freelancers and then joining and forming types of cooperatives. And we wanted just to start off with it just to highlight that if you are thinking about this some some context and information about cooperatives and support out there to start your own web, perhaps. So, you might be asking, okay, but what is a cooperative. A co-op is it's an organization or business that's owned and controlled by its members. So that's coming to all the stories that we'll talk to about today that those that are working or part of the business own it as well. There's no external owner of the organization. In fact, that type of those type of members could be the customers could be the employees as in as in our case, but it could be local residents forming a co-op or even suppliers or consortia that form a co-op so there's many different models to it. As we can see, they could be pubs, energy supplies, taxi firms, bookshops, farmers, sports clubs, and like ourselves software companies and as we hear from John Comedians as well. And there are over 7000 co-ops in the UK, and they contribute a healthy 40 billion at least to the to the economy. And as I said, the members, the members of a co-op are the real key to that. So, they're the foundation of a co-op, they're why they exist and the members drive the mission, the purpose, the delivery of the co-op. And they choose to do what to do with the profits, either share them with members or not or keep them within the organization. The members are the shareholders there are no external shareholders within a co-op. And a co-op can exist to benefit the community but can also exist just to just to be a business that is shared amongst amongst its members. It doesn't have to be a certain way, but the key bit and the bits I think we might talk about this afternoon are that members always have an equal say. And that requires a bit of effort and time to make those things happen. And for freelancers thinking about those, you know, contractors or freelancers or people who work across many different projects, for example, they're around 4 million of those types of people self employed people in the UK. And so the idea of coming together to form an organization like a co-operative is very interesting. Benefits of working remotely as freelancers and consultants, we can probably say, you know, lots of freedom and flexibility. But then the challenges working from contract to contract and maybe contracts between contracts is a there's a gap, for example, which might mean unstable income. And then such protections of pensions and payroll and paid holiday and paid sick leave should that unfortunately happen are things that might not always come with working as a freelancer. So again, the ideas of forming organizations can bring some of those benefits. So forming a co-op will will will explore and illustrate hopefully some of these things that are here today. Some of the things that really help and when people join together to form such things are sharing the resources and the overheads and such new opportunities, gaining support from one another, seeking bigger, fairer, more equitable work, sharing the profits as we talked about already. And then perhaps, you know, in some cases, beginning to understand what what could be done, what's the bigger, bigger sum what what more could we do as a group as opposed to just being individuals. So there are lots of benefits and I'm hoping we can we can illustrate those through our examples today. And there are two things, two ways, perhaps two ways that you could join forces, but we might we might show it different today. So there's an idea, a model of a co-op of freelancers where they share the ownership profits and operational duties, but they remain their own entity, their own autonomy within within that that structure. So that's one model. Another model that this is the one open data services, our cooperative is where we form a new organization, a business, a limited company, and we become co equal owners of the business. So don't just think as a co-op of freelancers having one route, there are there are different ways, and of course co-ops UK can help can help you understand the options and and support you with that. So if you are interested now or at the end or tomorrow or next week co-ops UK is really the good place to start is where we started as co-op open data services. They have lots of resources and we'll touch on those towards the end of this afternoon's webinar. Okay, that's the little intro about co-ops and freelancers and why and what for but let's get on to the to the real side of things. So, Melissa, I think you're going to share your, your story from code operative. So I'm going to stop sharing and then pass to you. Thank you. Thank you, Melissa. I'm going to mute now. Hello. Can you hear me? Yes, lovely. Thank you. I'm going to talk a little bit about code operative. And as obviously we live, we've mentioned where we're based in the northeast of England, primarily Newcastle. And I'm going to talk about our history, our structure, and all the way through to different projects that we work on and participate in. That's ourselves, you know. So code operative was founded in 2018 by three freelancer members and by December 2019 there were six full members and 18 network members. I joined in December 2019 starting our first piece of design work and I was made a full member in January 2020. We lost some of our members, but we've gained a lot more. And with some members obviously moving into other cooperatives, other start on their own businesses. And as of this month, February 2023, we are 10 full members and certain network members. And we are, like I said, primarily based in the northeast, but we are all over the country. That's the good thing about being freelancers you can kind of just be anywhere. So we also have members in London, Edinburgh, Wales, and even Paris. So our structure. So we have network members and full members. Network members are members of code operatives network. We join our discord server, usually after another network or full member invites them in. And they will have access to a couple of open channels on the server where they can talk to all members and apply for upcoming projects. They generally don't participate in organizational discussions. We also get full members are members of code operative that participate in projects as well as organizational and strategic strategic discussions. And we collaboratively have our have our own say on how code operative functions and we also get full member benefits so we have first priority over upcoming projects. We do have quite a unique payment structure. So code operative makes 9.52% profit from all projects. We charge the client 5% for connecting them with freelancers and then handling all of the pre project prep work. And then the freelancer for fits 5% of their day rate for using this service. And that money then goes towards goes to code operative and and we keep that to go towards day to day running costs. And paying for things like liability insurance solicitors and account fees, or paying off all members to do administrative tasks, such as finding projects. 25% of the day rate goes directly to their freelancer for participating in those projects. We're quite young so I'm just going to quickly go through our biggest achievement so far. We survived COVID as a start business and a lot of our work during lockdown came from COVID mutual aid funds helping businesses to get online, partnering with charities to make sure that they could stay afloat while all shops were closed. We recently won an award for best freelancers network in the Northeast. And our recent recent development project with the amazing charity, give your best, featured in Vogue, The Guardian and on Channel 4 Steph's Pat Lynch. The project consists of this designing, developing a free e-commerce platform for refugee refugee women to connect them with pre-loved clothes. The platform has connected almost 2000 women and children with 10,000 pre-loved items and launching six months ago. So why freelance? We enjoy the flexibility of being freelance, being able to manage our own time and expectations, whilst also benefiting from cooperating, bidding on bigger projects as a team and having the support of each other and what can be quite a solo stereotypical job. We do a lot of lending in the businesses, filling gaps within those businesses with freelancers. Our members then benefit from participating in projects that they want to within companies and having that extra layer of protection. And subsequently the businesses we lend to, which are typically other cooperatives, benefit from the lower day rate of a freelancer whilst also not having to hire for full time positions. It also means that the people we partner with can rely on us for having any type of skill. Most people within the network have different skill sets, myself, I'm a designer, project manager, and I look after our accounts and finance. Then we have people who can do React, React Native, WordPress. There's no shortage of variety and if we don't have what you're looking for, that 5% allows us to go out and find someone who can fill that gap. So who do we work with? An example of lending in other cooperatives would be Cooperative Web. So Co-op Web are a Bevanon based service cooperative. Sorry, Work is Co-op, who provide technical solutions. They contacted us for a React developer back in June last year and ever since we've had a really great work in relationship with them where we help with any projects that they need extra capacity on. We currently have five people supporting Co-op Web over several projects who now list us as a trusted partner. We're also the dedicated tech team for Digital Commons who are a newer cooperative and specialising data driven tools. They currently have three tools that we developed with different businesses and are now housed under the Digital Commons Cooperative. So firstly, we've got MicroMaps, which is formerly CMAP, and we developed this with the Solidarity Economy Association and it allows cooperatives and communities to visualise their connections with each other. We've got Land Explorer, which we developed with shared assets and helps community development projects find information on land. And then we have TWINE, which is a project that we picked up in phase two and we originally developed this with Power to Change. This is a mobile app that allows businesses to track and analyse volunteer and visitor activity. So why a Co-op and why cooperatives? I think for us, especially being freelancers, we're averse to the whole typical management structure. But the good thing about being freelance is that you are still your own boss, but by coming together we're absolutely stronger. And yeah, I guess that's everything. So thank you. And that's me and Casey want to get in contact. Thank you, Melissa. That was really interesting. Thank you very much. Maybe just a question about the structure you have between full and network members. How do you keep people communicating together, for example, between a network and a full member and those two statuses? So we have a Discord server and we have some channels that are shared, some that aren't. We have a lot of organisational channels. And we just post all the time we talk to each other. And then we do invite everyone to the AGM. So the network members are absolutely welcome to come to that. Have their say if they want to talk about any issues that they've been having as network members without having to get them involved in the traditional work. Sorry, I've lost my words. Do you understand what I'm saying? So yeah, without having to bring them to the everyday running of meetings and all that kind of stuff. Thank you. Yeah, I know it's a challenge we have with open data services as well about not everybody can be involved in everything all the time. So it's really interesting how you structure things. Some people don't want to either. You just don't want to say. And the other question I have before we bring John in was how did you get to the 5.6% was it 9.5% to. Yeah, so it's it's it's I mean it's technically 10 and it confuses the life out of me, but it's because it's 5% from the client and you've already that's already. That's 105% isn't it and then you would lose extra 5% it's very confusing. Okay, thank you very much. And we'll have we'll have chance for questions I'm sure towards towards the end after the next couple thank you Melissa that was really helpful really interesting and congratulations for making it through covert as a startup. So I think we're going to pass to John now from felt now. I think if the spotlights change and John, you share your screen. Okay, so I'm John Gibson I'm here from felt now productions. I'm going to tell you about our journey to becoming a cop. So this is what I'm going to go through. So who are felt now. Why do we exist. What do we do. Why are we a cooperative talk a little bit about the copper five and the benefits of working together. So who are felt now felt now productions are not for profit cooperative comedians from the northeast of England. And we are collaborating to create more comedy in the area and ideally that means more work for comedians. And as far as we know the only not for profit cooperative of comedians in the world. Why do we exist. Well, some of you are good memories will remember a little thing called covert. And in 2020 covered hit lockdown happened. And what that meant was all of the venues closed. And I mean even if you don't know that much about comedy you know venues play a key role in that. And so what we ended up doing a few of us got together and started putting on online comedy gigs. And that worked really well and we thought you know what we can do a lot more than that. So, we looked at the problems as we saw it in the northeast and, first of all, that there's very little comedy in the area it is a bit of a comedy desert in the northeast. We, which means that we've got increased travel expenses for comics, because we've got to travel more often than comics from other areas for instance. But what that also means is if there's fewer events for audiences, so audiences are losing out as well. It also means it's difficult to develop new acts you talent in the northeast because there's very few places for them to develop. And we felt there was a lack of community engagement between comedy and the comedy going audience of the northeast. And overall what that meant was it, the northeast just wasn't a great place for comedy or comedians. We set out to do a few things. So these are our major kind of strands if you like to felt now, we do comedy, we do outreach, we do heritage, and we are all about members. So in terms of comedy, we do gigs, and very much we focused on local gigs for local people by local comedians. We do the aim was to get more venues more gigs going and work in with the community. We want to work in with particularly working classroom rural and disadvantaged communities basically people who might not have access to comedy to do outreach in the communities in terms of workshops and charity gigs. We also want to celebrate the heritage of the northeast comedy, which we've got a lot of and promote that. And we also want to do things for our members so basically give them those well paying gigs stop them having to travel as often, you know put on new act nights so that they could, we could bring through the new talent. So why a cooperative, well, these are the things that we, you know the main things that we want to do as a as a cooperative working together to transform the local comedy scene, provide outreach for communities to deliver the wider social impact together to develop the new talent coming through from the local area, but we wanted it to be owned and controlled by the comedians to generate sort of buying by having a membership fee. And we, one of the key things we wanted was we wanted it to be not about directors and people getting rich. It was very much about comedians and the community. So, if you look at the cooperative values and a couple of principles, I'm not going to go through them all but you can see those you can get them straight from the website and there are certain things you'll see in here like demographic, and it has to be, you know, independent and owned and controlled by the members and everybody currently financially, et cetera and we all cooperate. And we didn't do this at the time but I've done it for the purposes of these slides. We mapped what we, what we set out to do against the cooperative values and the cooperative principles, and you'll see there's a fantastic correlation between what we set out to do and what being a co-op means. So that meant we were a really great great fit for being a co-op, because we matched almost everything. And like I said, I didn't do that at the time but it's incredible how closely we matched to what cooperatives set out to do. So we approached a cooperative hive and cooperative hive did a few things for us. So the providers with support and understanding and complete financial forecast for getting started, the providers with support and how to articulate and measure our social impact. And but mostly importantly, they provide the support and becoming a cooperative. And so what have we found as the benefits of working together? Well, we get to share our special skills and amongst the comedians are professional comedians but they're also semi professional comedians with different skills. We've got skills in IT and PR and project management and production. And so we get to share those amongst the community. We've got a Northeast brand now, Feltnout is a brand and we've got thousands of social media followers now and we're getting really good coverage across traditional media as well. And we get to support each other. So we volunteer to help out running gigs, do social media accounts, basically the whole running of the company operates on volunteers at the moment. And we get to do bigger contracts. So for instance, we've programmed a comedy tent for a music festival. We were commissioned by Tining We Archives and Museums to create a series of podcasts, things that we just wouldn't have been able to be considered for as an individual that we could do because we were a co-op. And it's opened up new opportunities. So we got new comedy venues. We got community outreach sessions and we're generating additional income for our members, which is one of the core reasons for being there. So how well have we done with that? Well, this is it broken down. So we've generated, this is in 2022. So last year we generated over £60,000 of work for our members. We've given 70 acts in the Northeast paid work across 18 venues, 120 ticketed gigs over 2006 sold through our website. Some venues sell their own tickets as well. We've launched the Patreon, we've got 48 subscribers. So these are people giving us money just because they believe in what we're doing. We've launched 11 podcasts from members and we've given eight comedians last year their first ever paid spot. So we are seeing those new talent come through. In terms of outreach, we secured £10,000 with the funding. Again, we couldn't necessarily have done that individually, but as an organization, we were able to bid for that, secured that equipment, which was microphones, speakers, lights, and basically everything we needed to produce a comedy in the box solution. As in, it doesn't matter where your venue is or what your venue is, you don't need to have any fancy set of we can bring comedy to your venue wherever. And obviously that opens up a whole new set of opportunities as well. We've provided a full all female lineup for the time date and Opera House charity event for red crisis. That's the photograph you can see there. So we did that because we've got the, you know, the poll across the comedy community to do that. We started the podcast, as I mentioned, we got we did 22 community workshops in terms of standard comedy and giving people the experience of that. And we've got over 5000 followers across social media. In terms of heritage, as I mentioned, we were commissioned by tiny way archives and museums to create five podcasts on historical comedy characters and we've done that. We celebrate the history of Northeast comedians and comedy on social media, and we also give history talks on local comedians and for members where we've got 57 members of independent comedians. And we've provided the podcasting facilities for members. We are promoting members podcast across socials. We've got members trained in other disciplines such as operating sound desks. We've run a new act of the year competition for these guys. We've got the stand up comedy writing workshops we've provided to members and sketch writing workshops and new act nights so that we can develop people. We've provided headshots to members professional headshots to using promotional material and we've loan. We've run lots of local gigs which reduce travel and hotel costs for members. And we also film in members shows, so that you can promote them. So, what have we found is that as the benefits of working together as a corp. Well, we have more work. We generate more income for members, which is a fantastic thing. We've got more clout because we're operating together. And that gives us more clout for doing things like making bids, etc. We've got a stronger brand. So, you know, comedy in the Northeast didn't have a brand is just lots of individuals doing their own thing, but now we've got a brand we can stand behind. And we're getting better PR because of that, because an individual comedian launching something maybe isn't big news but if it felt now gets behind it. We've got the contacts in the media and we've got a brand that we can put behind it to give people that PR that they need. And the collective support, as I mentioned, sharing, volunteering, all of those things that help felt now productions be, you know, better than the sum of its parts. And that is everything from me, that's felt now productions. Thank you very much. Thank you, John. That's really great. Interesting. Just interesting. Thank you very much. I wanted to ask you as a follow up. Earlier in when we're talking before we started about the community interest company situation that you have. Yes.  And in our case, we're not a non for profit. We're, we're not a negative. So, but you are. And I was just interested about how you see the alignment of a co-op and a nonprofit in your particular circumstances. Absolutely. So one of the things that we were concerned about when we, when the initial group of us was starting the organization was that it would be seen by other comedians as some some way of sort of skimming money off of people and sort of being nefarious in some way. So the combat that as well as being a cooperative so we could share, you know, collective responsibility and decisions. We also wanted to make sure that any any money generated by felt now stayed within felt now and was either provided as services back to back to the members or was was used to fund community events and other things that would benefit comedians themselves. So it all basically gets plowed back into the members at the end of the day. And that's something that we were really keen on because we didn't want this to be seen as a sort of money grab by by individuals. Thank you. Thank you. And how do you we find this is quite quite a challenge really to as we grow and we get new members to explain and support people in terms of what is a co-op and what does it mean to be part of a co-op. Do you do you mentioned about things you do with members do you do much about actually you're in a co-op that means X, Y and Z. Absolutely so at the AGM, we did a little bit about what it means to be a co-op, because it's also new to people. And, and I think sometimes people need to hear those kind of messages, more than once, because you know it is so new and it's different to what they are used to. Yeah, we did that as part of the AGM to make sure that people understood that, you know, the organization is theirs as members that that they had a say in it that they had, you know, could set the direction that could become directors, etc. Okay, great. Thank you. And I have to ask, has somebody done a cooperative routine, comedy routine? No, I'm not aware of it. And as you noticed, I didn't either. Still no jokes in my presentation. Okay, on that, on that note, thank you, John. I will talk about open data services now thank you John, and thank you Melissa before, and we're on good good timing so we've got we've got time for me to share our story and then, and then we can have questions and such. So, can everybody see that? Yeah, hopefully. So, I'm going to talk about open data services cooperative. And we, we are about using data to help to measure change. And we've been around since 2015. And we started as for freelancers for for people that came together to form a company. And we're now 25 people. So we've grown steadily over the eight years. It's where we are now. And we've always worked from home. So we've always been freelancers that have worked on projects. And so when we came together, eight years ago, before everybody was working at home, we've always worked from home. So we, there was an interesting time for us to explain both being a co-op and that we work from home. Now, we just have to explain more about being a co-op. Most of us were freelancers or contractors before we joined our co-op. So we would, we would all be picking up contracts doing work similar to perhaps how Melissa was explaining, and then we form this company of which we joined. So now we are both employees of the company, but also equal owners of the company. And we actually have our annual general meeting this afternoon after this webinar. So we have some formality about that being employees and owners, and also some, as I was talking to John, some learning to have about what does it mean to be both these things and in a co-operative. We work on lots of initiatives with with organizations, particularly around transparency, whether it's transparency of international aid or ownership of companies or contracts that are put out in the public domain. So with lots of initiatives, we're trying to make a change with data and we have very specialist skills that we support them with. So we work on lots of initiatives. And we work with organizations such as the World Health Organization and the World Bank and co-op called Equal Care that has very interesting model as well. So we work with lots of organizations on many initiatives. And just to give you a very quick example of the type of people that we are. We are software developers and data analysts and business analysts, other types of analysts, quite techie in a sense, or quite niche in other senses. So we brought our skills together as a co-op to try and do as we've seen this afternoon have a bigger impact. But we all have very particular skills that we use. But we really value and enjoy working as teams together. So an example is with our initiative called 360 Giving that's about data on where the grants go, where the grants go, who gets the grants and where they're from in the UK. So with them, we help standardize the data about grants. That's the boring bit that we do. But then lots of organizations publish data about where their grants go. And so we built a search tool called grant nav, which you can find. I'll put a link in the chat. You can search for grants. So we're behind all that. We're working with the initiatives to make that work and happen. But as I say, the value for us is working as a team in a co-operative way. I should say that in our world that we inhabited before we formed the co-operative organizations like the World Bank or whatever else. It's always set up for consultants. We need a consultant to come and do this. Here's a short-term contract for another consultant. And we often we all found that was quite fragmented, somewhat lonely existence. You might be paid well or whatever, but you know, it's just looking for consultancies and contracts from all the time. We've really worked hard over the years as well to try and change some of these into opportunities for co-ops as well. So we've had some success, for example, with the World Bank to say, actually, you would benefit from working with a co-operative of consultants than just a single one. So that's an interesting evolvement of our work, I think. But yeah, I think that the real thing that we like to do is pool our skills, all these different skills that we have these technical skills, we brought them together in a single organization. And resilience has been a key word for us as well, particularly in the former times of COVID and such things where we really did stick together through that. So as I said before, we're lots of different technical skills in our cooperative and we all equally own the business and we share each. What we've found over the years, but what we're really finding now as we get to a certain point is that all these things that we are, we also need all these other things. We've always had all these other things like getting money, paying each other, governance, strategy, communications, trainings. But we're finding now we're at this sort of tipping point now where we might, we will need to employ people who do the business things, not just us specialists doing the business things. And I think it's been a really interesting pathway to get there and I think we'll be advertising very soon for some of those people to run the business alongside our delivery of work. So what are we learning from being a cooperative eight years in. Well, I think there are three themes that we really value so one is having a shared understanding of what we're doing what we're trying to work on, but shared understanding of what we want from from being a business together. And that's something we keep renewing and working on it's not something you set on day one. As I was talking to John earlier earlier on, you know, we have people coming in all the time and so we need to be new and understand our understandings. The co-op should reflect what people need. So we have a very good and very progressive parental leave policy, for example, people can take quite a lot of time supported by the co-op after to look after the little ones and that that was a need that came through, came through from our members that we worked together to form a policy and make sure that would be right and relevant. So the co-op for us reflect the needs of the people that own it. And key to all this for us is having stability and sustainability. So we have financial models and such things and we're always looking at can we afford to do X, Y and Z or can we afford to stretch and employ more people. So our cooperative wouldn't be anywhere if we didn't think about the sustainability of it. Some obvious, some of these themes, but I think they're key to what we do. To support those things that we have some really key pillars that we've developed over the years. So I mentioned the policies around parental leave or many other policies we've developed together as a cooperative. We have chosen to all get paid equally. So we all get paid the same. And then you pay differs according to your full time full time employment status, but we have a flat wage, we all get paid the same. But we have alongside that we were very flexible in how we work that supported by working from home but also people's lives are different so people can work flexibly. And key for us. I think there's another clue in the freelance bit there that we, everyone who works in our cooperative has a permanent contract. There's no fixed term or anything like that you're employed by the cooperative. That's your that that's that's it. There's no, there's no other alternative. So we have these things that we think glue together our values. We do also have this was the joke we have eight years of vaguely awkward team photos, which are, which we, we, we, we love. I don't know who this person is this person isn't part of our cooperative, maybe might be one day, but I'm out living. We're going to be hiring very soon. So, as I mentioned, we're this interesting point with our cooperative where we will be recruiting people to help us run the business, not just deliver the work of the of the co-op. So there'll be you can join a newsletter or check our website that might come through and and will be advertising very shortly for people. So quarter to that. That's our story about open data services cooperative. There's there's quite a lot of support from co-ops UK. And I think all three of our organizations have benefited from that. Certainly we when we started open data services, we talked to co-ops UK they showed us some model rules and helped us form that form the company. We really valued that. So, co-ops UK that have, first of all, have a look at their website. There are lots of resources there to help you understand what what is a co-op things we discussed today. Some templates and models with some really interesting resources, but also this step by step tool to help you understand this is a co-op model right for whatever context you want to work in. I would really recommend taking a look at that and and and running through the models and the the the quizzes wizards that they have to help to help understand if the co-op is right for you. And there was also a package available through co-ops UK and support in support with the co-op to bank up to 10 days of support to for people to understand their co-op or their development of their co-op what are the needs and what are the support that you need. I think John you mentioned something around this with the support you had from the program about developing a business plan or a budget for example that they might have helped you then do other things. So there are there's some really good support from co-ops UK and please access that if you are asking questions or thinking about co-ops because they're there to help. We have now time for questions. And I'm going to watch something as we're doing that I'm going to look at the chat but John or Melissa if you've got any other points you wanted to make something else you thought of whilst was presenting that would be great as a kind of take a look at. Just to follow up on your point about the support. Yeah, we got support with our business plan, which nobody in the organization had done before so that was really invaluable to help us kick off on the right foot. Yeah. We had we've had support with from co-ops UK around very specific HR things that we want to put in place you know and for example I mentioned the parental leave policy so co-ops UK really helpful to review that and to talk us through what it is and what it means and such things so yeah yeah. I don't know Melissa if you've had other support from co-ops UK or other organizations to help with your performing and development of code operative at all. Yeah, I think it's quite similar to yourself Steven and probably more towards the start. I think before I was actually involved so. Great. Great. Yeah, and there are co-ops UK lots of videos and other things that are available and I just noticed about this 15 minute consultation with a cooperative development manager. And she what's their name Jennifer the cooperative development manager they can help people like evaluate if they're if they're if the corp is the right move for them I think I'm looking at the questions in chat or if anyone has got any further questions and they want to put them in the chat that would be really helpful. So I'm looking so it's always a bit annoying with someone of this I'm working backwards and looking, looking at the first one that looks like a question but I'll try and get to others. So john asked you remain self employed employed by your co-op. So, I think there are three different answers from our experience there, john. In our case open data services, people become a member, a member of staff, they're employed by the co-op, but equally also they own the co-op. After, after six months they can choose to become a member and then they own it. So our case you're, you're, you're not self employed you're employed, but I think Melissa and john you're, you're slightly different. Yeah, so we are fully self employed. We all submit our self assessments in January, even the, the directors still self employed. Yeah, and we're exactly the same or self employed freelancers. So you both use the co-operative structure to pull resources and, and all the things we talked about but your, your remuneration and other things is self employed. Yeah. Yeah. So, there's another question here thanks for thanks to culture gave you put them in the chat. How do a co-op model address issues around group them out down on group dynamics conflict management and leadership. My response to that would be, I don't think, I think, I think those are things that are common to many organizations and not not not particular to co-ops by understand the point trying to be made there. We work really hard on those things. As I mentioned before we've got annual general meeting this afternoon, and it's maybe the 18th iteration of what an annual general meeting would be. Back in the early days, it was very, very formal and we'd wear shirts. Now it's shirts and jumpers and many parts are interactive as well. I think, I think you've got to work hard at those things and one thing we do is we set a training budget for everybody everybody can spend a certain amount of time some number of days training and often those trainings are organizational wealth and technical. John Melissa I don't know if you if you have any experience about how you address those common issues. Well, as you say, I don't think it's necessarily exclusive to cooperatives. We haven't had to cross any of that but what I will say is because I am familiar with it. If that person is interested in that kind of thing I would Google transactional analysis, which tells you about all the different ego states involved in in a two way conversation and can help with conflict resolution and also the drama triangle is a really video on on YouTube for the drama triangle which will help you get out of tight scripts. We've been talking a lot about communication styles lately and that everyone has different one different style and that's where some some things come from so yeah and Melissa have you. So we, I think the important part for us is that we were always listening to our members and to know trying to address anything that might come up. And we have worked very heavily with outlandish who do offer fund training, which is a form of conflict resolution, and they're great and honestly we couldn't recommend them enough. And outlandish are also a cooperative. Yes. Yeah. Thank you. I've got the couple of other questions I'm spotting here. We are an SME limited company. Could we become a co-op and maintain our company structure. I think, yes. In our case we're a company limited by shares, and then we are articles that we posted on companies house describe us as a co-op and our rules. So we're a regular limited company. We all have one share each. And as I say we have a then set of rules that describe us. But I think we, you know, it's not just the rules that posted on companies house it's how you act and interact and work together that the less tangible things but I think the answer there is certainly if you're a limited company you could become a co-op because it's more of a shift in model than a legal thing. Well, I don't know if John and Melissa you've got any further advice there. No, not for me. I think you've covered it. Yeah, I'd say the same. I'm glad not much different. We're also a limited company, but by guarantee not by shares. Okay. Thank you. Kim asked, I'm a final and a financial PR. I think it'd be great to work with those sport and backup and heft would a co-op model work for that. So I think, I think our story illustrates that yeah, you know those working with people in the similar area or or complimentary skills. It really it really does. It really can work. It doesn't work automatic automatically it takes takes work to do so but I think a co-op model could could be right. I can take my advice but hopefully Kim that is that is true. John Melissa, I don't think I think we'll both your stories illustrate that point as well. I think. Yeah, absolutely. Yeah. Okay. I'm just seeing if there are any more though the two more messages at the end. So, Angerad. The decision related for the one for you, John here. We relate to the felt now story of need to build up a local infrastructure. How possible is for me a co-op. Of course, different. Yeah, how possible is it. Well, yeah, I can totally see how this relates actually. So, just to kind of relate it back to the question. So it's a question around musicians and form and a co-op and being at different levels or at their careers across different fields. So if you think about it actually that's very similar to the comics, you know we have comics who are full time comics, who some of which, you know, get television work, etc. All the way through to I mean the eagle eyed amongst you would have spotted lost voice guy on on my slides. You know, we have we have people right through from there, right down to, you know, newly starting in comedy and just dipping that on the water. And essentially the way it works for us is that we have people who book the comedy gigs and they apply their knowledge of the person skill set and level to forming the, the, the number of acts, and the type of really appropriate for a particular gig. So that's how we handle it in the comedy world, but it's definitely possible because we do it. Thank you. Thank you. Yeah, thank you, John. And the couple of other questions I see here as well now. Thanks to Cops UK for highlighting them. Natalia asking, do you have a non complete clause in your regulation or policies for regular members. I think that means perhaps in, in the, in, in the court, so court operative, for example, has, is that a thing where, where freelancers compete for the same work outside of the court, for example, or would you have to have an agreement with that and Natalia asked, how does that get explained if so or how do people think about that I think maybe. Obviously there is nothing stopping a freelancer going out and bidding for the same work that we're doing. But we all care about each other. So we're not good. I don't think it's just a general rule. I think we're not going to go out and do that. Our members guides quite slim. We are actually in the, in the process of re looking at that and having a look at all the kind of stuff that's in there. But we just find that, obviously, most people who are participating are kind enough and, you know, happy enough to bid for it as code operative so. Could I just add on to that sort of from our point of view it's exactly the same, but actually what we're finding is that individual members may get approached about other work. And sometimes they'll just point them in the direction of felt now and say, well, if you want to have that comedy night, just go and talk to felt now and they'll sort out for you. So we're actually finding that the members are basically gathering extra work for felt now, as well as for themselves. So some things that might do individually and some things that might say, actually that's a bit beyond what I either will be able to do and point them to felt now sort it out. Thank you. I don't think this applies to us. I spent on this one though is that we, when we lose members of staff, we often lose them to kind of clients that we have, or to governments or civil civil service. And I think that's because they see how, how, how people flourish within a co op. And they, they, they, they seek those people are that move on to bigger organizations that are less cooperative in their nature, perhaps, but we don't have any, any sort of non complete clause saying you can't go and work for a client or somebody who worked with it. We welcome that we think it's great. So the last question here I think can cause function beyond freelancers such as an SME such as SME organization seeking a collegiate approach. So I think the answer there might be in terms of organizations working together as cooperative which is certainly possible and there are models that co ops UK know of an examples of that. So it's not just freelancers but organizations in a, in a collective, for example. And I don't know if John Melissa you haven't got any examples or where you have members that have that were that were companies themselves for example. I don't have any examples we do have members who have their own company. But obviously that's completely separate from their interactions with that. Yeah, yeah. I think that's the same for us like we have members who, who are obviously like their own registered business. I'm not sure if it's relevant, but obviously as code operative we're also part of things like co tech, which is a load of cooperatives all sort of coming together and I wonder I'm sure you're part of it aren't you. Yeah. Yeah. You know exactly that yeah yeah so we do we do join other co ops I think it's the thank you Melissa that's that's that's the point that I completely forgot about thank you yeah yeah so hopefully that answers the question there or starts to and I think co ops UK would be really helpful there. Okay, last point we've got one more minute, wouldn't it be good for co ops you can have a co ops wanted pool to bring together like many people. I'm sure it would be and I think it is and co ops UK can can do those types of things I think. So, excellent. I'm going to, I'm going to make sure we finish on time now. So thank you for all your questions and hopefully we my colleagues answered them better than I did but thank you. Melissa for your your input in your presentation and great to hear the story. Thank you. Again, john, because we get the last year for your for your story. Thank you for everybody. Thanks to co ops UK for hosting us and thanks to the cooperative bank for the support that they're offering as well. So I think with that, we, I don't know what we do, we say goodbye. Thank you. Have a good afternoon. I've got to go to an AGM now so I'll keep my shirt on. Okay, thank you everybody. And have a good afternoon or morning or wherever you are. Thank you.


that's it over again yeah there's no cross Samuel Lannis, cold sign atos and we're far on these banks two years ago if I keep doing our mental operation 10 years in order to get these patients thank you so much I'm going to go to the bathroom and then we're going to the bathroom and then we're going to the bathroom


How are you guys doing? This is Rich from Mississippi Live and right now the markets are red So the markets are red. They've shown themselves to be red so Looks like so far. We're gonna have a red day tomorrow and gold is green Gold is green and the markets are red. So that's what it looks like so far We're not down that bad where it's like insurmountable But we're down We're red So so far looks like a red day for tomorrow so far, but it could change and It looks bullish for gold gold is doing relatively well It did really well that has come back a little bit, but it's still green So still pretty good for gold, but overall the markets are red So I think we need to be prepared for a red day tomorrow, but it could change. It's still early Still early. There's a lot of markets that need to open up The trading has just started and so far we're red, but let's see where that's going to go Let's see where that's gonna go now we do have some We do have some Picks that we can take advantage of if the market is Red so if the market's red we can Take a look at sqqqq. I think if we have a big red day tomorrow You should definitely look at the sqqqq etf, which is a short etf I think that that's one of the best plays If you're looking to short the market and you don't want to short You want to buy a stock that's actually shorting the market sqqq SKF is another short etf you can look at and You can also look at all the VIX you can look at the VIX You can look at the VIX Y and you can look at the VIX M VIX VIX Y and VIX M So if you are bearish on this market, you can make money on the way down if you're bearish on the cannabis sector You can buy the HMJI ETF If you're bullish on the cannabis sector, which I am very bullish on the cannabis sector right now because Cannabis has been deemed an essential service Because cannabis has been deemed an essential service I believe that cannabis is going to be extremely bullish and From what I've Learned through my research Cannabis companies are making two to three times right now what they usually make Cannabis companies are making two to three times right now what they usually make Because people are loading up on cannabis Instead of buying a little bit of cannabis. They're buying a lot of cannabis just like everybody's buying a lot of food Everybody's buying a lot of cannabis Because it's something that they want to have a lot of Just like everybody doesn't want to run out of food People don't want to run out of cannabis. They don't want to run out of their medicine Does that make sense? They don't want to run out of their medicine They don't want to run out of their medicine so people are loading up on cannabis So right now cannabis companies are going to have more sales than usual Just like cosco and walmart are going to do more sales than usual because everybody needs toilet paper Everybody needs food Yes, stay at home Stay at home Practice social distancing If you do go outside And i'm not suggesting you should but if you do go outside for a walk or something like that Make sure you practice social distancing wash your hands If you have to wear a mask wear a mask take all the precautions necessary We're living in a very very very crazy world here in 2020 It's a crazy world in 2020 crazy world Crazy world But it doesn't mean we can't make money We can still make money in this crazy world Bunker down and just buy stocks Bunker down Buy stocks buy gold Short stocks short gold buy oil short oil Whatever we got to do man Whatever we got to do Whatever we got to do man just stay at home Keep your distance And the heroes are the people that are the essential services that are on the front line, man So respect to you guys, man Shout out to all the nurses all the doctors All the essential services that are going out there every single day putting their health on the line For everybody else to be able to still operate our lives As normally as possible in a very crazy time Where the world has gotten Very very weird Right The world just got weird Coronavirus stocks for the week. I think there's lots I think there's tons I think uh, you know, we always got to be looking at coronavirus stocks and you know I mean, I'm looking at mRNA. I'm looking at I you know, I'm looking at Sona I'm looking at TNXP. I'm looking at RTTR I'm looking at GILD. I'm looking at TDOC RMTI AGN And so much more I did a video earlier Talking to you guys about one of my secret stock picks that I'm looking into and they're getting into the coronavirus space QSC QSC just remember who told you first Yeah, the Dow futures are down Dow futures are down So we're in this crazy roller coaster right now, man The military has been called in. Yeah, I think this is a really dangerous situation And we need to take the necessary precautions and Everybody needs to take this seriously and everybody needs to get food and supplies and Be prepared to stay home Because at some point if they put us in a full-blown lockdown We're not going to be able to go outside as much So whatever you need to do right now do it because I don't think our window of staying Like our window of freedom to go outside is closing Our window of freedom in North America to go outside is closing you guys feel that because I feel that and You know, what do you do to stop this other than shut everything down, right? People can get sick and could potentially die from going out of their homes and people could die because We get stuck at home too long So it's a really dangerous situation The only thing I can think of that is going to work is for everyone to just stay at home Stay safe It gives you the best chance Because that's what we've been told so 140,000 cases the United States Yeah, it's scary, man That's a very scary situation for the United States and I mean we're here in Canada. We're right there, right? We're right beside the United States and we're getting cases at a very alarming rate for ourselves as well considering the size of our country so I think we need to stop the flow of all traffic and if you stop the flow of traffic you have a chance to Minimize the damage But if you don't stop the flow of your traffic You can't minimize the damage And it's only going to get worse So in my opinion, you got to stop the flow of traffic Yeah, the numbers worldwide are just frightening when you think about it the death toll the cases it's It's frightening And obviously that's what's affecting the marker right now, right? That's the constant story Nothing else is big news anymore outside of the coronavirus because it trumps almost anything right now Seems like it's the biggest news and it just trumps anything and everything everybody's talking about the coronavirus I was talking about it two months ago and nobody wanted to talk about it and now everybody wants to talk about it so You know, I was concerned about how it was going to affect the market and clearly it it's affected the market but It's created some buying opportunity. It's creating some dips And then you always got to remember that at any point in time They can just use some of that stimulus money to just pump up the markets Sherry says too bad people didn't listen to you in january Hey man you know Rich TV live is strictly for education and entertainment purposes. So I understand I don't take it personally If I could just help one family Help save one life Feel like I did my job You know My goal here is to just teach people how to invest in the best And how to create financial freedom and we're doing it and every day we're getting closer to that and um You know the markets right now are red and you can make money on the way down Stay home planted. Troy. Yeah, you're right 100% brother Yes, Abbott technologies big news. Yes Everybody wants to get into the coronavirus space guys. So that's the hot topic right now coronavirus So everybody wants to jump in Do I think it's gonna be a good day for jnug? Yeah, I think if gold does well Jnug is gonna do well right now gold's up. So I believe it will be a good day for gold. I think gold is going to be a safe haven like Investors are looking for a safe place to put their money You know must I remind Canadians that the number one and number two companies in canada Our rbc is number one and td is number two So if you're looking for the two best canadian companies start with rbc number one td number two Those are the facts Canadian banks are very heavily reliant on oil heavily invested in oil So when oil is going down that's affecting our banks So our banks are going down right now because oil is going down plus the coronavirus So it's the double whammy. So you got the oil going down plus you got the coronavirus People are talking more about the coronavirus than they're talking about the oil But uh, obviously the oil is a problem too Oil is a problem too It's not you know Oil is a problem too, right so You know You know the oil price is an issue and then Because there's an oil war happening right now between russia and saudi arabia and Saudis are flooding the market with cheap oil, which is bringing the price down And people are losing jobs and businesses are going bankrupt because With the cost of oil So low There's just no margins People are operating on higher margins. So when the price drops so dramatically It affects the underlying businesses It affects the underlying businesses so Yeah, I mean a lot of people are going electric and that's what a lot of people are saying is there's an over Supply of oil now that there's electric vehicles so I don't know if That's really the case But as an investor when I see an asset go really really low the lowest it's been in years I have to take that opportunity That's just the way I think but um You know everybody's different, you know like some people think things are going to fall to the bottom and just disappear I don't look at it like that. I look at it like Historically oil has never really been at 21 dollars for long So this is a great buying opportunity as far as I'm concerned That's the way I look at it I think gold is a safe haven and even though gold is approaching its all-time high gold's all-time high is 1,896 That's the all-time high for gold I believe we will see gold break its record. I believe we will see gold go to 2000. I really believe that You know, but in a time of a lot of volatility I believe there are also a lot of people that are pulling their money out of gold I think people are pulling their money at everything And you know that's Smart way to protect your equity if you believe that there's going to be a lot of volatility in the markets So I totally understand it so Once the market starts stabilizing And the banks get stable again because banks can't even do transactions I go into the bank to deposit stock and uh They're not they're not open for business like The bank's not open for business. So it's like You know Why am I not able to deposit stock? Oh, well We're we're opening up too many accounts right now because everyone wants to be a trader now that Everybody's at home. So we have to like shut it down so we can catch up to all the all the accounts I'm like, so I can't deposit shares. I'm already an account holder I can't deposit shares so, um Because I'm working on depositing high times Trying to get my shares for my transfer agent for high times And I can't even deposit my shares So it's a crazy situation plus other shares that I've invested in so Other companies I've invested in that I wanted to pause it. I can't deposit right now. The banks won't even take it Big opportunity coming this week, I believe you think the market's gonna crash You know, there's a lot of talk about trump saying that he's thinking about quarantine in new york new new jersey and Connecticut, I haven't heard him do that yet. Some people are saying he's come back from that now um You know I'm not here to tell anybody what they should do.   We got to protect the financial district, man. That's everybody's money First and foremost, we got to protect everybody's money, right? Everybody's resources So It's a crazy time, man. It's a really crazy time. This world got really crazy This world got really crazy. First there was a problem in china and it was a chinese problem and now it's everybody's problem First there was a chinese problem now. It's everybody's problem Yeah, nobody touch wall street, man. We've all stood alone, man Everybody leave wall street alone Everybody leave wall street alone It's uh, vancouver. I'm on the west coast I'm on the west side like cali Cali north vancouver's cali north or like the cali of canada, but not really it's not really cali But we don't get real. We don't really get winter here We don't really get winter here, but yeah, it's spring and it should be warmer The weather's been really really weird really really weird weather really weird weather Yeah, it's all electronic trading. That's right dylan Which I think is good. I think it's gonna reduce the amount of short selling It's gonna amount reduce the amount of people that are passing their books around People that are passing their books around on the floor Books are just getting passed around on the floor shorts are covering for each other Swapping books all the games being played. I think it's good I think they should cancel short selling right now Cancel it Just borrow it ban it ban short selling until the markets get better ban short selling I say we ban short selling That's what I say That's just my opinion All right guys, I just wanted to let you know the uh markets are red right now and gold is green so far I'll keep you guys updated on anything else as it happens This is your boy rich from rich TV live if you're not winning you're not watching we bring you the winners When we bring them to you first, I told you guys there's a stock that's being promoted take a look at my videos Been bringing you guys picks and hits non-stop and I've also just interviewed a company that's getting into the coronavirus base qsc Stay tuned to that I'm going to be doing trading with our team in the trading academy all week long From home everyone's making money if you guys want to learn how to make money from home holler at your boy email me rich tv live at gmail.com go to rich tv live calm to learn about different picks information news Trending topics as it happening follow us on social media always invest in the best because the best is blessed and you deserve it It's true. Is your boy rich or rich to be live and I'm out. Peace Have a great trading day. Have a great trading week everybody.


Hey, this is Brett, and this 2019 Chevy Tahoe LT1 is stock number 13500Z. I am here at Summit Automotive in Fond du Lac, Wisconsin, your new and used SUV headquarters. This 2019 Chevy Tahoe has the 5.3 liter V8 gas engine. This vehicle has been fully-safetyed and inspected by our service shop per the state of Wisconsin inspection process. It has a fresh oil and filter change. All the fluids have been checked and topped off, and it is 100% ready to go. I'm going to go all the way around in this video inside underneath, start it up, and take a look under the hood to give you the most accurate representation of the vehicle possible. Summit White is the color, and I shoot all my videos in 4K. So if you have HD capabilities, turn them on now, because it is your best way to check out the quality, condition, options, and of course, cleanliness of the vehicle before seeing it in person. As you go down the driver's side here, doors and rear quarter are all in very nice condition. Front fender is in great shape as well. If you like the video, you can subscribe to my YouTube channel, which is youtube.com slash Summit Auto. Click the bell notifications, and you'll get updates on the videos I do each and every day here at Summit Automotive. This one comes with the painted and polished alloy rims, and it has Michelin P26565R18 tires. These tires have right around half the tread left on them. Front fender, once again, looks really good. Get the projector lamp headlamps, the LED running lights. Front bumper is in really nice condition, and you didn't see any major dents or dings on there. And the headlight lenses are nice and clear. The grille is in nice condition as well. And the hood. I didn't see any dents on there, and the paint is in very nice condition as well. Passenger's side front fender looks really good. And the passenger's side front wheel, the ever so slightest bit of corrosion on there. Nothing too bad. As you go down the passenger's side here, take note of how clean that body is, how reflective and mirror-like that paint is. I take these HD videos so if you are far away or even if you're close by, just cannot make the trip down, but you're still interested in purchasing the vehicle, you can see the vehicle, hear the vehicle, and have confidence in what you're looking at before you even get here. So when you do get here, there's absolutely no surprises, and you can make a smart and informed buying decision from wherever you're at. If this video helps you make that buying decision, let your salesman know that you saw the video that was helpful and that bread sent you. Back wheels in really nice shape, and the back tires have just about as much tread as the front tire is framing on the body. A little bit of surface corrosion, but nothing too bad. Coming around to the back, rear quarter looks really good. Rear bumper is in nice shape as well, does have the towing package with the receiver HN7 pin wiring, backup parking sensors. The rear gate is in nice shape as well. It is a power lift gate. Back storage area, you get some weather tech formats back here, the seats do fold down manually. And then the second row folds down as well to give you a nice flat floor back here. And they fold up like so. To get this gate down, you just press that button. And it comes down like so. You do get the flipper glass, which is nice. You got a boat or camper on the back of your Tahoe, and you need to get to the back storage area. Just flip that glass up. You can see that the rear defrost cables are still hooked up, and the rear shocks are holding it up nicely. For full disclosure, this back wheel, just about the same condition as the rest. And down the rest of the side of the Tahoe once again looks really good. You get the power mirrors with the driver side blind spot mirror.  There are no rips or tears on these seats. You get the bucket seats in front. Once again, looks really good. Both of these front seats are heated. You get a nice set of weather tech floor mats back here. Auto headlamps turned off four-wheel drive. You get tilt and telescopic steering wheel power pedals, lane departure warning, parking sensors, and stability control. Memory driver seat, it does have the Bose sound system and power windows blocks and mirrors. Second row quad seating.  No rips or tears. You have the captain's chairs, weather tech floor mats back here. Carpeting is very nice and clean. Smells very clean inside. This Tahoe, you get a 110-volt, 150-watt plug-in, rear air controls, and a 12-volt power point. These seats fold down and up to get to that third row. And the third row seats are in fantastic condition as well. Headliner is very nice and clean. And the inside and bottoms of the doors all look very, very good on this vehicle. We'll hop inside, check out the miles, the radio, and everything that this Tahoe has to offer on the interior. You can see that this one has 47,610 miles. You do get a digital spinometer and compass display. Instrument cluster is very nice and clean. You get the leather-wrapped steering wheel, cruise controls, and forward collision warning controls on the left, Bluetooth, and information center controls on the right. Six-speed automatic transmission with the optional tap shift comes with the Chevy MyLink radio. You get AM, FM, and SiriusXM radio capabilities. You also have projection manager where you can project your cell phone to the screen via Android Auto or Apple CarPlay. So while this one doesn't have the factory navigation system projected up there on your phone, and if you have Waze or Google Maps, it's like you have Navra in the screen, so that's a pretty sweet system. CD player, you do get the in or behind radio storage, has a USB jack in there. Dual climate controls, heated seat buttons, and rear air controls. Passengers side, format, and seat are in fantastic condition as well. And once again, headliners in nice shape. It does come with the power sunroof, sunroof and rear gate controls, and home link buttons for your garage door security systems and lighting systems. You also get on-star and SOS buttons in the rearview mirror. And we'll start it up and take a look under the hood. Starts right up. No check engine lights or anything like that. I would personally like to thank you for checking out the video today. And hopefully from this HD video, you've been able to verify the quality condition options and of course, cleanliness of this vehicle and sign up. See all those lights are working nicely. And under the hood, we have the 5.3 liter V8 gas engine. Engine bay is very clean, runs very smooth. Once again, this Tahoe has been fully safety to and inspected by our service shop has a fresh oil and filter change. All the fluids have been checked and topped off and it is 100% ready to go. There is the emission sticker. And I would highly recommend this Tahoe from a quality and condition standpoint. And to see more pictures of this vehicle or one of our 550 new and used cars, trucks, SUVs, minivans, Wranglers, half tons, three quarter tons, one tons, you name it. We got to go to that website right there. Summitauto.com full pictures and descriptions of every single vehicle from two locations all at Summitauto.com. And if you'd like to check out more HD videos, you can go to YouTube.com slash Summit Auto. Remember to like, subscribe, and share on this video. And all the videos that you see there, click the bell notifications to get updates on the videos I do each and every day. You're at SummitAuto.com. In fact, in a second you will see a link to subscribe to my YouTube channel in the upper left. Link to more Tahoe videos that I've done in the upper right link to this vehicle on our website in the lower left. And a link to one of our latest YouTube videos in the lower right, click those, check us out. We're super excited to help you with this Ultra Clean 2019 Chevy Tahoe LT1 in Summit White Clear Coat. Thanks again for checking out the video. Remember to like, subscribe, and share on the YouTube channel. I really appreciate it. Thanks again.


Hey there friends thanks for checking in here. We've got the tanfolio defiant stock master the defiant series from Tanfolio are amazing handguns and people say well, how does that align with the witness? I am here to tell you that the tanfolio witness line is gone It's gone. All right, you will not find that tanfolio is producing the witness series They moved entirely to the defiant series and that's what this is And they are all imported by Italian firearms group IFG So EAA no longer carries Tanfolio products. So this is the defiant stock master. I have this I shot the lights out with it I was just so impressed with it and people said well, do they make Optic ready-hand guns and here's one comes from the factory with this Seymour site. It's a large glass Red dot sight. This is a stock too All right beautiful aluminum grips right there And I imagine that's pretty cool, too. I haven't shot that one, but the the reason for this video is right here This is It's a huge case. I have to make sure that doesn't fall off the table This is a defiant Limited stock too.  I mean you just you just can't beat it. I I just really fell in love with it the this here is Like MSRP right around 1100 dollars Which is actually good when you consider the shadow 2 or the 92 X performance those prices are quite a bit more But this one here is Pretty pretty high-end does come with 10 round magazine that isn't 45 ACP The same type of cuts in the slide fiber optic front sight adjustable rear sight the Extreme it's got that X on there and Then in the case good grief does this this thing is huge. It comes with this cleaning kit It does a this looks like a mouse. You know it's you use on your computer It's actually a speed loader and then three additional Ten round magazines little toolkit all types of wrenches a lock. I'm sure the paperwork is stuffed in there somewhere But there it is The defiant stock master in 45 ACP. I would love to have this This is phenomenal. I love this gun so happy to own it and This would be cool, too I want to get an optic ready But for all you saying, you know, how does that compare with the witness? You will not see a brand new witness. You may see a brand new witness, but it's old stock everything that Tantfolio is producing is being imported by Italian firearms group IFG and it is a defiant and they are High-end and in many cases not for high-end prices Comparative to other guns in the same class. So here it is 45 ACP defiant stock master Beautiful looking. I wish I could say and shooting handgun haven't shot it, but I could say that with this confidence No doubt it builds it if you like videos like this, please subscribe and share I always appreciate thumbs up button. Thanks for watching and you guys be safe


You need a financial advisor with the freedom to focus on your specific needs. Whatever your goals, Reid Potter can create a game plan tailored to you. Call Reid at 432-0777 at Pikeville, Kentucky to learn more. This October 22nd, Paintsville's Veterans Referral Center will be hosting its second annual Trunk or Treat Halloween event. Monday, Mountaintops spoke with project manager Stephanie Rodriguez about how you can get in on the fun. Yes, so October 22nd, we have the Trunk or Treat and Food Truck Feast. That's how we called it, which has two parts. So the first part is food trucks. And we just recently had an event here that was really successful form. And we wanted to give them another opportunity to set up with us. So we have started at four o'clock that afternoon with our food trucks. We have several food trucks already signed up and some stands that sell sweets as well. And then that will go from four to eight p.m. that evening. And then from six to eight is the Trunk or Treat. During the event, kids can enjoy activities such as face painting, music and a costume contest. Our list is actually much bigger than we had last year. We're really excited about it. We have entertainment, same thing, face painting, music. We also added a contest, a costume contest that day. We will also have special characters appearances. But I can't really, it's kind of in the works. So before I give too much information out on that, but it will be fun for sure. The Trunk or Treat event will be held October 22nd at 621 Euclid Avenue in Paintsville from four to eight p.m. For Mountain Top News, I'm Joel Chorjol.


Los Angeles, 1996. A maniac has hijacked a municipal bus with 30 passengers on board and police sergeant John Spartan has a real bad hunch who that maniac is. Yeah guys, today I'm talking about one of the greatest, most ridiculous, and yet also coolest and legitimately smartest movies of all time. Demolition Man. I'm totally serious. In a world full of sequels, reboots, soft reboots, and otherwise unoriginal garbage, Demolition Man stands out as an absolute gem from the early 1990s. It's campy and over the top, but still an exceptionally entertaining film. It's got an incredible cast featuring Sylvester Stallone, personal crush Sandra Bullock, Wesley Snipes, Dennis Leary, Bob Gunton, and uncredited scene stealer Rob Schneider. It was made by a first-time director who's done barely anything since, and yet it's a tightly paced, well-structured film with a cohesive setting that feels like a relatively realistic lived-in future. Part science fiction, part satire, and part social commentary, it balances humor and action seamlessly. And it all just works. But what's most important to me is that, as absurd as it is, it gets a ton right about how our society has evolved since the mid-90s, and it clearly shows the danger of two very different kinds of authoritarianism. This tension between dystopian visions, let's call it 1984 versus Brave New World, is embedded in the two different versions of Los Angeles that we see in the first act. Both are police states. The Los Angeles of 1996 is visibly nightmarish. Lawless, violent areas of the city are only reigned in by callous police officers willing to use all manner of brutality and excessive force to maintain order. It might as well be Judge Dredd. Future LA, set in the year 2032, is invisibly nightmarish. A utopian surface of perfection and progress made possible only through mental conditioning, constant surveillance, restriction of information, and social control. They're both awful, stagnant societies that reject individuality and freedom of choice. And yet, Demolition Man also shows us a better way. Stick around to the end and find out what that is while we talk about one of the most intelligent dumb movies ever made on this episode of Out of Frame. I'm 100% about to spoil most of the plot points for this 32 year old film, but if you haven't seen it, it's going to be worth your time to watch no matter what. Here's what you need to know. The film opens in the year 1996, just three years from when it was released. Criminal lunatic Simon Phoenix has taken over a large section of South Central Los Angeles and only one man can stop him. That man is LAPD Sergeant John Spartan, or as his captain likes to call him, the Demolition Man. Roll credits. When Spartan's relentless disregard for destruction appears to contribute to the deaths of 30 hostages, he's sentenced to 70 years in a new type of prison. You will be placed in cryostasis for the duration of your sentence, during which your behavior will be altered through synoptic suggestion. I'm sorry, Sergeant. Flash forward to the year 2032 and society has dramatically changed. People have been reconditioned to be docile, subservient, and largely devoid of personality. In fact, there's so little crime that police are essentially obsolete and incompetent. Greetings and salutations. Welcome to the emergency line of the San Angeles Police Department. If you prefer an automated response, press one now. Everyone seems pretty content with this arrangement except for Lenina Huxley. I find this lack of stimulus to be truly disappointing. Don't you think? I try not to. However you're young, think all you want. Things don't happen anymore. We've taken care of all that. She's a product of her culture, but she's obsessed with the 20th century and deep down, she knows that there's something wrong with the way things are. Don't you get bored code tracing perps who break curfew and tell dirty jokes? Actually, no, I find my job deeply fulfilling. What I wouldn't give for some action. Moments later, Lenina gets her wish. Simon Phoenix, who is serving a life sentence for his crimes in the 90s, breaks out of cryoprison murder, death, killing several people for the first time in decades. We're police officers. We're not trying to handle this kind of violence. Huxley recommends reinstating Sergeant Spartan in order to stop Simon Phoenix like he'd done once before. But Chief Earl isn't convinced that involving a man with Spartan's sheer level of testosterone is a good idea. This is your recommendation. A demolition man's an animal. But eventually, with Phoenix continuing to commit violent crimes all over town and pressure from city savior Raymond Cocktoe, Chief Earl agrees to let John Spartan off the chain. We have become a society of peace, loving, and understanding and we are quite frankly not equipped to deal with the situation. Sergeant Spartan reluctantly agrees in exchange for an early parole. Then he forgets about his long dead wife and adult daughter so quickly they probably should have been left out of the movie altogether and we jump right into the promise of multiple premises. As it enters its second act, demolition man becomes a man out of time dystopian future sci-fi buddy cop action comedy with strong themes and a clear message. The plot mainly revolves around an overzealous cop battling the 90s equivalent of a cartoon villain. But the movie is also shockingly prescient and predicted a ton of stuff about the modern world with startling accuracy, gull-wing doors on self-driving electric cars, people using computers to boost their self-esteem, dumb down language, zoom meetings, short attention spans, mini-tunes, nostalgia-driven content, and vertical video.  And of course you have language policing, germaphobic insanity, anti-smoking laws, gun bans, and Arnold Schwarzenegger becoming a politician. Of course it doesn't get everything right. So far there hasn't been a franchise war and Taco Bell probably wouldn't win if there were. Our cops aren't nearly as nice either and they're certainly not afraid to use deadly force. What is completely spot on, however, is the idea that laws have shifted away from the protection of individual rights and any same theory of justice towards controlling people's behavior for the greater good, as envisioned by this society's elites. Almost everything anyone does that might be fun or enjoyable or which might result in people questioning the sanctity of San Angeles's perfect society is no longer allowed. People don't even touch each other anymore. Demolition Man merges a bunch of ideas from some of the classics of dystopian fiction, especially Brave New World, which we've already talked about in depth on this series. The not-too-distant future is depicted as one where a powerful authority figure, Gustave Amand in the book and Raymond Cocteau in this film has found a way to create a supposedly utopian society, not through violence and fear, but through genetic engineering, educational conditioning, and outright brainwashing. Lenina Huxley is a direct reference to Brave New World's author, Aldous Huxley, and one of its main characters, Lenina Crown. Heck, Simon Phoenix basically shouts the illusion at John Spartan when they first meet again in the future. Another key similarity is that while most of the population of San Angeles is compliant and oblivious to the flaws of their society, the only free people left are those living outside the system entirely, the savage lands in the book and the underground in the film. In both cases, free people are looked down on by the ruling class, and the only way they can survive in a world without legal trade is to participate in black markets or engage in theft. The scraps, as they're called in Demolition Man, are not just a nuisance to Dr. Cocteau. They represent the last remaining element of free choice in the benevolent dictatorship he spent decades trying to build. That's why his biggest concern isn't Simon Phoenix, but the leader of the scraps, Edgar Friendling. To his credit, John Spartan doesn't trust Cocteau and rejects his vision for society from the outset. Their ideologies clash at a fancy dinner at Taco Bell, but before that can go too far, their meal is interrupted by an attack. Spartan once again plays the hero, beating up several of the attackers, until he realizes that they're robbing a delivery truck to get food. Lenina is excited to finally get to experience some of the violence she's read about her whole life. But at the exact midpoint of the film, the story takes a turn, revealing John Spartan's underlying morality. John Spartan may be an agent of his own authoritarian world, but as an individual, his goal is to protect innocent people and stop dangerous criminals. Not to blindly uphold the unjust order imposed by people like Dr. Cocteau. The altercation with the scraps forces Spartan to rethink his mission. He still needs to stop Simon Phoenix from murdering more people, but now he also wants to expose Dr. Cocteau as a tyrant, and it turns out that these missions are one and the same. On a hunch, Spartan asks Huxley to pull up the files on Simon Phoenix's rehabilitation program, only to discover that instead of making him more docile and a better citizen, 39 years in cryo prison gave him new skills and knowledge that would only make him more lethal. Dr. Cocteau created a new and improved Simon Phoenix in order to assassinate his real enemy, Edgar Friendly. So in order to track down Phoenix and save the city, Spartan and Huxley go underground. Interestingly enough, in the original script for Demolition Man, Edgar Friendly had a different name. He was called Thomas Paine. This is another clear reference to philosophy, in this case classical liberalism. It's a beautiful homage to a thinker who helped inspire and inform the American Revolution, and a reminder that just below its action blockbuster exterior, Demolition Man is a very smart movie. Neither the world John Spartan is from nor the one Linnina Huxley grew up in are very good. Edgar Friendly's character introduces a new idea in honor of his original namesake, individual liberty. Friendly doesn't trust cops for good reason, but he also doesn't buy into the brainwashed risk-free world controlled by Dr. Cocteau.  But that's why he's a threat. When Spartan and Huxley finally meet him, Friendly gives one of the all-time greatest speeches in defensive freedom that's ever been put on screen. Freedom is messy, and it allows for people to make choices you don't necessarily agree with. It means that people can do things that are objectively unhealthy or which involve risks that you might not take yourself, and that's okay. Not everyone should do everything Edgar Friendly wants to do, but the beauty of a free society is that they don't have to. We all get to make up our own minds about which risks are worth the reward. And without freedom of choice, people are little more than automatons, blindly obeying the rules laid out by elites like Dr. Cocteau, who may have more power, but certainly don't have the moral authority to dictate how anyone else must live. In the end, Simon Phoenix, Edgar Friendly, John Spartan, and Lenina Huxley all agree on one thing. Cocteau has got to go. Even Phoenix gets how insane this is. With Cocteau gone, the only thing left for Spartan to do is put an end to Phoenix's violence, which he does with help from Edgar Friendly and the Scraps. Shaken by their recent experience with crime and the loss of their seemingly wonderful leader, the people of San Angeles are left to figure out a new path forward. For the first time in many of their lives, they're going to have to make decisions for themselves. What I love about the way this movie concludes is that it beautifully demonstrates how essential individual liberty is to a healthy society. But it also doesn't pretend that freedom is easy. Being free to make your own choices means accepting the responsibility for the consequences and respecting everyone else's right to do the same. When I look around the world today, it seems that, much like in Demolition Man, a lot of folks need to learn how to allow other people to live how they want to live. People like Dr. Cocteau and Chief Earl, who are obsessed with safety and stability, need to get comfortable with people like Lenina Huxley and Edgar Friendly, who are willing to take more risks. As long as neither group forces their vision on anyone else, everyone can live together in a state of genuine peace. Not the false utopia of a world where everyone is forced to obey one man's rules. And with its final scene, Demolition Man shows us the only way our society can truly thrive. Hey everybody, thanks for watching this episode of Out of Frame. What other classic movies would you like me to cover on this series? What do you think about some of the new YouTube shorts? Let's talk about all that in the comments. Also, please check out our weekly Behind the Scenes podcast. You can find it on Apple Podcasts, Spotify, Google Play, or wherever else you listen. Leave us a like and a review on your preferred app if you want to help us grow. And if you love Out of Frame, please consider a monthly contribution on Patreon or Subscribestar. Supporters get a private channel on Discord, Free Swag, and access to other cool stuff. This episode was made possible in part thanks to our supporters, especially our associate producers. So to Connor McGowan, Richard Lawrence, and Matt Tabor, thank you. Lastly, be sure to like this video and subscribe to the channel, ring that bell icon. And if you really want to make sure you see everything we publish and get even more exclusive content, join us on Discord and sign up to the weekly Out of Frame email list. And as always, don't forget to find us on Twitter, Facebook, TikTok, and Instagram. I'll see you next time.


Today, May 17 is international day against homophobia, transphobia and biphobia.  The rise of LGBTI people's human rights is improving, but there remains a long way to go. Despite progress in 2019, more than 70 states still have laws criminalizing same-sex acts, punishment ranges from imprisonment to death penalty. Moreover, many states lack laws to protect LGBTI people from discrimination and harm, nor is there enough adequate support for those seeking education, regular work, dignified well-scared, little recognition and the freedom to build a family. The deep root inequalities and entrenched stigmatization of LGBTI individuals so prevalent in many parts of the world, force many to migrate away from their communities, often taking unimaginable risks in the process. IOM deeply values equality and non-discrimination. We apply these values both in our own workplace and with migrants worldwide. We are proud of the work we do to combat discrimination against LGBTI people. It is part of our commitment to leave no one behind. IOM counts itself as an LGBTI ally and I am an LGBTI ally. We believe in human rights for all.


Hello and welcome to the session. I am Deepika here. Let's discuss the question whether the following form an AP, if they form an AP, find the common difference D and write three more terms 1, 3, 9, 27 and so on. Let's start the solution. Our given list of numbers is 1, 3, 9, 27 and so on. We have a2-a1 is equal to 3-1 which is equal to 2 and a3-a2 is equal to 9-3 which is equal to 6. Since a2-a1 is not equal to a3-a2 therefore the given list of numbers does not form an AP. The answer for this question is that 1, 3, 9, 27 do not form an AP. Let us know. Is the answer for this question? I hope it is clear to you. Bye and have a good day.