Hi everybody Tom Stewart here Can you hear me Paul? Yes, we're full We just got to get Liz to join us and Hey, let's pause here. Why don't you join us? Hey guys welcome. It's been. Oh, thank you We just had to go live if not the Window for us to do this would close and we'd have to set up another meeting. It would take 10 more minutes for us to All right, and we didn't want to do that. So we're we're live right now What part of the country you in I'm in Charleston, South Carolina. Oh, wow, okay You're somewhere on the West Coast I'm an Auburn Washington Okay How far is that from from Olympia? Oh Say an hour drive, maybe not quite that much depends on traffic, but right now it'd probably be Probably 45 minutes. I'm thinking Okay, a little bit north and to the west east I should say looks like Liz is is is efforting to Good oh you're already live hello It's a six after Hey Paul, I'm sorry to do this, but we're going live You know Hey Caleb good to see you Tom I don't know if you know Caleb is in one of our mastermind groups And I saw him in Las Vegas on Facebook driving around in the Lamborghini, I believe Yeah Did you buy it with idle money? Yeah, I probably shouldn't joke All right, I'm going to try and get my phone up live Well, thank you so much for Joining us today Paul and helping us out. We really appreciate it. I appreciate you asking me I'm just asking you for sure. Yeah, anytime we have an opportunity to help people out Yeah, oh, he did buy that car Seriously, did you really buy that car Caleb? relation Yeah, I feel kind of irritated with you that you didn't already tell us about this in group Why am I finding out about it on Facebook you're gonna pay for that? All right, I'm trying to pull up you guys on the live so I can see comments and see who's up so Does anybody have any rent Does anybody have any questions before we get started y'all know why we have Paul on There we go We're live We've got a big lag on here. Yeah Hey, I draw not good to see you another one of the regulars on Our whole purpose today our major focus is is going to be looking at ways to help our workforce I Guess raise their their their awareness of financial planning and how to manage their monies in a way where You know they can take care of the things that they need to take care of and I'm saying our employees, you know ourselves as well we all have opportunity to to learn more in this regard and and Hopefully build wealth over time more than just Going from paycheck to paycheck and Paul understand that you have some programs and and in some some Experience and this is kind of your area of expertise Yes, I Part of this from personal experience part of it is just learning it as we go and and I mean so as an example like the last three or four months a lot of people had been off work totally unforeseen and most people are Not prepared for that. That's what we call an emergency fund and a lot of people they use plastic for that and So we one thing we do is that we ask people about that kind of stuff and many people don't and so I always ask people if they ever played sports in school. I just did an analogy Many of people say yes. My next question is that they teach the rules of the game. Well, yeah Why do you think they did that? Well, so we could play the game So like in the Northwest here, I asked people if they ever if they imagine going out and seeing the mirrors of the Seahawks play Respective games and then not knowing the rules to the game Would they look like a bunch of knuckleheads playing the game? Yeah, they sure would Well, the thing is is every time anybody we know gets paid My experience is most of them never got an education about money in school So they have not a clue most of them don't about what to do with that paycheck to make it work for the family the best And so I think that's the key point Paul I mean, I feel like everybody knows how to make it work, right? We spend it. We buy all the stuff that we need And that's how we do it Yeah We get what we want and you know, we get it fast, but like it's not the way to make it work the best Right. So we have I have a friend of mine that he had a he has a Three-year-old car and the next time I saw him he had a it was a white car next time I saw him He had a black car and I thought He must be getting his oil changed and they gave him a loaner. Oh No, they made a good deal His payment only increased $30 a month Now for how many years? Because the previous conversation have the guy was he was working his way out of debt I'm scratching my head. You're thinking I mean, I didn't ask but I was sure thinking what on earth were you doing? Now you went from two years left on your car. So you've got seven Are you kidding me? Anyway, so I mean, I mean just so sometimes it helps to if we're thinking about buying whatever it is We're buying sometimes it might help to Find a person or two maybe even three that we trust If we can bounce things off of to get somebody other someone someone else's Perspective on this is what I'm thinking about doing got any thoughts So I know that I need that because one of my big problems is I love a deal If there's a deal I'm buying it. I want to buy the thing because in my mind I'm saving money by buying it today Right, so I have to buy that green belt. I need it today Yeah, she well, so we were gonna we're getting on zoom and all that stuff and of course we're talked about lighting and whatnot Anyway, so she says I never buy a thing regular price She showed me this light and I was gonna pay 90 bucks for it No, you don't want to do that do this. So I got the same light For $70 less Yes, and on top of that I need it So that's a good one. I like it, but you know my daughter talked to me about needs versus wants And you know there's and so that is you know, okay, so what do you mean in terms of buying a vehicle? Well, what if you figure out what what a payment would be for yourself and Start a savings account if you will and start paying yourself that payment And let's say you get five grand in cash and You take maybe your existing vehicle and five grand in cash and go down and get the vehicle You want or something close to it and then keep saving that payment and then you have that car You paid cash for along with some cash and you do that kind of thing What is this concept that you're talking about Paul what it I don't understand this concept. What is it saving? Saving money and but you have a specific target in in mind.  Yeah, like a Lamborghini Well, probably not one of those because those the people that drive those they're not worried about money That's on here today Actually, he just bought a Lamborghini, and I don't know if you follow Dave Ramsey, but he's a Dave Ramsey follower So if he bought a Lamborghini, he's not making payment. Yeah, he's got it. So I have a whole presentation here Shall I get started sure sure that'd be great. I'm gonna attempt to bring this thing up. So I don't know what's good so, okay, it's here and So you guys see it all no go to the screen That has our pictures on it and you see where it says down at the bottom it says share screen Actually, I don't all right do you see Where do you see a box that says you're in the show? Do you see the screen with the three of us on it? I don't see that. I see I only see me. Hang on a second. Let me Okay, so If you get right here You need to find the web browser that you logged in with your screen. I see that. Okay. Let me click on that Okay, now I gotta go over here to this Is that working? Do you see the three of us on it? I don't see the three. No, I don't know. That's kind of where we need to start You've got a you've got a Browser tab in there somewhere. They'll say stream yard at the top of it. I see share my screen Tire say share my screen or share screen. It says share your screen. Nope. That's not right How about share? Nope. Okay, so Paul look at the top Look at the tabs. What tab are you in? Says stream yard says stream yard. Okay, great Click where it says straight stream yard right where it says stream yard on the little duck space Yeah, it's that Can I can see I'm directing It's a it's a running joke around here about how I can never do anything Technologically And at the bottom I see share screen is that one to click Does it say shared screen or share your screen? This is share share screen period. That's it. Okay. That's it I'm right next to it doesn't say leave studio No We're getting closer or further away Downward says share screen. What is next to that? Oh? One says leave studio took to my right and the left of says Okay, so that's right. All right. So now go to share screen Yeah, I'm not at one time and now another window will pop up. It did Okay, good. So on that window you have some choices You have a choice on the left and then you have a choice in the middle that says application Do you see that choice application window? Yep, pick that. Oh Okay, and now you should see maybe your PowerPoint or something like that Not yet For your desk desktop. What do you see? What were your choices when you picked application window? What's the stream yard as you mailed as these zoom us? Why I don't want to get shared on the lower right you want try it Nothing that says cancel zoom No, okay Yeah, that's a zoom window you want to get rid of that if you can X out of that so that it doesn't have anything to do with Us doesn't keep confusing the issue. You have other things open is what's causing trouble Okay, so just X out of that zoom Alrighty and out of here Try and get out of everything except stream yard Okay, the only tab you have is the stream yard tab. Is that right? Yep. That's it Perfect. Now you should see on your screen. What do you see on your screen? Tell us I? See Tom and myself and you But me that's good. That's the screen. We want all right now go down below you see share screen again, right? Yeah Hold on I'm gonna do this first while I'm doing it on my side so that you see This is we have All right, I'm out again. So up at the top go back in there and it says application window pick that Okay, and some choices popped up little windows popped up Yeah, hit that window pick. Yep. Pick the one that shows your screen I've got anything yet that shows my screen here This is what I this is what I have so I need to get I guess I need to get Hang on one second here share Your PowerPoint might be easier if we just Open up your PowerPoint on our end and then you can just talk about it and tell us when to change the page Well, I suppose I could yeah That might be easier Um You can send it to Liz if you would and she can can drive for you. Yes, I All right Sean is saying he's gonna want you on his Facebook live pretty soon because he loves this topic He's a friend of ours that also does a Facebook live. I think he does his on Thursdays every week every week on Thursday and You're gonna have to get better at this Paul Let me see This is On this program is there a way to take over his mouse in Streamyard I know there is in zoom and I know there is in Ring central, but I hate to pull them out So what is your let's give me your email. I'll try email it to you. Yeah, it's American Made I'm a ID. Oh American eight comcast I got right here Tom get off your phone. Keep us entertained Tom. I don't know I mean, I think it's a good job of that yourself So We also had a tough time Employees that reimbursement wasn't meant to buy things. It's meant to save and pay for your auto maintenance and repairs any advice Oh, well, Paul while you're doing that Tom, you know the answer to this question I'm gonna let you answer Sean while I work with Paul I'm sorry Gets stressed out Work done Employees that reimbursement wasn't meant to buy things it's meant to save and pay them for auto maintenance any advice Yeah, I mean What you're really talking about is life cycle, you know maintenance for for vehicles and Yeah, you pay so much a mile or so much per day or how much ever you're doing it but explain that Every I don't know 5,000 miles you have to change your oil and that costs I don't know 50 bucks. Let's say and kind of do the math and divide that by you know, how many 50 bucks by 5,000 miles and say that Every mile you're gonna have to save a penny to pay for your your oil change And you have to buy tires every 30,000 miles and that cost a thousand bucks So you take a thousand and buy 30,000 and kind of itemize all that and say, you know what, you know Every time you drive your car a mile, you're actually spending, you know, 30 cents or whatever So you need to be saving 30 cents every time you drive your car a mile So you can pay for these things when you have to that's why we pay you Hopefully more than 30 cents a mile to pay for it for all those things So really it's a matter of itemizing it and explain that They might buy tires every other year or so I'm gonna oil change every You know, I don't know three or four months, but they're actually Consuming those things that they buy sporadically every mile they go down the road So that would be the way that you would want to explain that Okay, so Paul, I have your PowerPoint Okay I'm on share your screen so that I Don't have the option to share anymore. So I'm thinking that you still have the share Well, you can't share it really you still have yours connected. So Do you have a window up that says share your screen If you do I want you a little cancel button, okay What do you have on your screen right now? I'm in the show Down the lower left and then I have the We have us around it forward to me Liz Should I leave you? I don't worry about it. You wait just hang out for a second here. Okay. I just saved it to mine That's not Tom. So it's coming. I'm here even making me stress. I'm getting all hot and sweaty Yeah, this is this is a classic will remember this one for a while Remember this we're halfway through with our Facebook live right now Well, I want to I want to make sure that they offer at the end. I have a link that Everybody is welcome to go to it's it's it's a link for a free online Fix your money or finances. It's it's an hour a week. It's all it's already well It's live, but it's all been recorded. So they go on there at their leisure and it goes Through I mean it's packed with content so this is the thing that I was Really looking forward to getting into everybody's hands for their employees. Oh, yes Well, they only need to lose had the link But what I'm also able to do is is we can sit down via zoom for people that are all over the US To whatnot and if they're married I want to sit down with both husband and wife Yes, no kidding and we will go through so we find out where they are now And where they want to be tomorrow Tomorrow as in at retirement and I know things change everything like that But we so so that's what we call a finance our financial GPS That's one of the things I have in the in the PowerPoint because again Most people don't have a mercy fund most people are not set up for deadly squat is my experience So we're able to go through that kind of thing and and do that for families What it's gonna do is it's gonna show them, you know, did you get a large income taxie fund? Well, yeah, well, let's change some things, you know, do you have we go through the whole budget with them? So regardless of what they make we can do that and then we go through and Go ahead. No, I said cool. That sounds sounds great. Oh, yeah so, you know, so one thing I know a lot of people a lot of Employees think they they're okay with stuff through work Well, if you get laid off you lose everything if you unless you have some sort of retirement program You'll be able to keep that we can roll those over. You might have two or three retirement programs left at previous previous employment And we can roll all that kind of stuff over but talk about, you know, do you have we talk about? having An emergency fund we talked about earlier. We talked about Identity theft you have a will a Will could be a last-love letter you have for your family because a lot of times people die without wills and talk about create the possibility Creating animosity with your family. Oh my goodness Next to me talk about is our homeowners insurance, you know, if you're renter Do you have renters insurance? That is one of the biggest things that they need to have because if they lose if they if there's a fire The home the people that own the property they have homeowners or fire insurance, but the renters are not covered at all So so fire for renters insurance would cover all that kind of stuff. Then then we go in and talk to you about Vivint we do home security systems because we're in homes every single day of the week So we talked about that another thing we talked about is is life insurance income replacement And then we get in and we educate folks about that and we talk about Most people put their money into banks insurance companies credit unions and what have you so we talked about bypass the middleman So we want to talk about We talked about cash value insurance like all life insurance Universal life variable life and then we talked about term insurance where a company talks about by term insurance What I don't know what that is. I've never heard of that Right. Well It's life insurance with no savings to it So I ask you a question your car insurance. Does it have a savings account with it? Nope Thank you. Does your and you have homeowners on your house? Yeah, okay. Does that have a savings account with it? Nope Didn't think so renters insurance does neither so there's no reason I mean a lot of a lot of insurance companies want to sell you cash value insurance because they make a lot of money But we we have a different philosophy one of say by term insurance, which is just pure Protection take the difference and put that into a mutual fund a mutual fund you own it So I have all of a sudden the PowerPoint, but anyway, I'll just explain it to you Your PowerPoint is getting pulled up. Tom's pulling that up for us right now Are you able to get that pulled up Tom? So one what I Well, I do have a question they'll call from what you're talking about Is all of the stuff that you're talking about is this all in that 10 week course? Or is this all stuff that we have to sit down one-on-one because you know what I'm not all about that That's not horrible to me I would rather be poor than have to get my husband to sit down with me in a room at night and have this Conversation I rather before Well, you can listen to yourself It's just what we find is it's better to have husband wife together because men and women will inherently think differently Yeah, absolutely Most women are security minded more than on the average than men are on the average So when we sit down, yeah, there you go So we want to be able to sit down with them together because you know The wife could be saying something and the husband totally disagree or whatever or vice versa So we try both but everybody's different. So if you're one that can sit down and do it yourself And then your husband's gonna do the same thing because it's if we find it It's if we can get them both in the same page. It makes life a whole lot easier So Okay, so here is your PowerPoint Paul. Why don't you just tell us when you want us to change pages and Tom will Go ahead How money works and then go on to the next one first first real quick We're very short on time now. So you didn't have to yeah, yeah, we are exactly so how much time do I have? Okay, all right great. Well, this is just we're part of the New York Stock Exchange and our sticker is PR I You go the next one I'm sorry Okay, so we call ourselves a financial company for the 21st century sort of found on 77 85 people We got 5 million lives insured and 2 million invest with us They can read go this is a good group.  They haven't they have a mission statement. We're good. Okay There you go keep going Okay, that's totally true. Most people won't get a financial education. Don't yeah Financial coach. Yeah Yep. Okay. Yeah, we pay tuition every day. Don't we It's true. Yeah So just talking about paycheck to paycheck, you know a lot of debt credit cards live insurance and Not much for savings for retirement I was just reading a book and the guy that wrote the book said that he would love to have a credit card balance of $16,883 that sounds like Yes, okay Yeah, okay, and so this is what you're talking about your financial GPS, right? Yes, ma'am that All right, cool. I like the idea. I really like that concept right GPS makes really good sense to me And who would pull out the map when you have GPS to? Yes, we we can do that over zoom with anybody we sit down with and we can we can figure it out for them How much basically this is talking about how much we need for retirement? Okay Sorry to meet Okay, this is how you figure out how much you want to retire 30 years The number so so we would ask people a bunch of questions to arrive at this number for them Okay That makes sense. Yeah factoring in inflation. He has a different number, right depending on They are Yes Now for enough I'm able to get people in their 20s, maybe 30s, maybe even 40 I might be able to show them how they can retire. Maybe if they're 20s, maybe five or 10 years before they're actually Thinking they can yeah Yeah, I totally get that we do have some young people on this call to yeah An owner model. Oh, I like that become an owner model owner. You guys that's awesome, right? That's a good one. We like we like some catchphrases around here I do have to ask though Tom.  Would you call this an unprecedented event? Yeah, it's a Context of smart business moves. Yeah, you get your contacts we could probably you know put this But we've had Okay, but I feel like we're getting on track here. We're catching up Paul is this is looking better here I'm liking some of this stuff now. This is good. I'm glad before we get in any any deeper I'm kind of curious. Are we gonna be able to tie this back into I mean, we're all business, you know owners here And the idea is how can we help our our employees become more Financially teach them this stuff here and we can sit down with them What's that Yeah, I mean most of them I mean a lot of them have trouble with money And if we can teach them from the some basics, they're gonna have a lot less Trough they're gonna they're gonna feel a lot more comfortable because they understand where their paycheck is how their paycheck is being spent You know, do they have a mercy fund? They have this they have that we can go through that with them I think our people need something And not to belittle our people in any way shape or form But a lot of times they're not at this level yet a lot of our people don't even have check-in accounts So this might be talking about stuff that is It's too advanced, so that's why I was hoping that we would be able to get to the Training the ten weeks of training so that they can get the stuff grow That will help in the sun. I know Half me the other day, so there's somebody that they said they didn't have a check-in account Well, what well they owe the bank, so I'm guessing some of these people if they don't have an account They probably owe the bank money So what that means is that the every bank if you go into a bank and you owe them money They're gonna you're gonna your name is gonna be put on a list or no matter what bank you go to Your if your name pops up on this list You need to go back to that bank that you don't want to go back to because you owe them money and pay the money back Once you pay that money back to that bank Then you're gonna be free to open go to any bank and open up an account But again, they got to pay the bank that they owe money to Right, so I think you understand that this is some some of the people that we are Working with yeah, but this the this presentation is probably a little over their head. Well, no, no, let's go Right the link I think it's gonna go is it's gonna be it's gonna go into a lot of detail and I think that really helped them a lot Okay, and they can do it if they're on Yes, it's yeah, the link they can go in and register for it and yes, definitely To hear you're gonna make us do some math No, I'm actually it's just a percent of interest to your paying or you're getting gonna show you how quick your money will double So it may it could work for you or against you So this is if you keep tapping on that thing, it's gonna go 3% in every every 24 years There's going to make the Leslie's making a really good point to if they owe child support, they won't have a bank account It's another reason not to have a bank account. I got a lot of single mothers and You can't have a bank account if you owe child support because they'll just take the money out So I said a different You know, that's a different mindset as well. Oh, we ran into that in Portland So this is just showing you you know that What most people don't learn in school about this is a simple concept But it's it's really powerful if you can get money working for you that compounding interest is like magic I mean, it's like holy Toledo it went up in my account lit up Well in time you actually teach this in foundations about, you know, the compounding numbers You don't specifically talk about this aspect of it, but you talk about it with price increases Inflation and what happens to your money over time with I mean, yeah, we do You know the idea of of educating our Workforce our cleaning professionals our entire staff Why right how to how to take a little bit of money and build wealth with it is Yeah Yeah, building wealth. I don't think that our people ever think in terms of the word wealth and connect it to themselves so I like the idea of Teaching our people to build wealth for themselves. I just don't think they at least I know a lot of my people Is a concept that About the book by Napoleon Hill think and grow rich. Mm-hmm. Yeah, okay We have it as part of our library but a lot of our people on I'm lying. I was just gonna lie right there. So I'm gonna reel that back before the lie actually comes out We've only had three people check that book out and none of them liked it. They didn't understand like what is he talking about? He's crazy. What what is he like? He thinks dead people are in the room with him Okay, well, you can't listen to everything that Napoleon Hill says but You know which one we did have good luck with is the millionaire mind Yeah, that book and then the millionaire next door. I think we've got a little bit of luck with that book Okay, and I know a lot of people follow Dave Ramsey. We have a lot of business owners But all right, let's see what we got save more money and accept a lower percentage or Save less money at a higher percentage All right, so I guess I'm gonna save less money at a higher percentage Yeah Don't pay the high cost of waiting sooner you begin to save the greater. Yeah There's a cost to waiting, right either. Yeah, that's why we want to get try to get young people to start immediately And so this is perfect for us We do need this for our people because we do have a lot of people that are younger and if we can get them started on a savings plan I don't know about you guys, but it is hard to get my people To sign up on a savings plan. We even did a sharing program to help them Yeah For every twenty five dollars that they save in a savings account And we'll even take it directly out of there check them that we would put in two dollars So, you know Not a ton of money, but you put in 25 will give you two you put in 25 more will give you two more So Well, you would think but not not a lot of people wanted to do that. That was Yeah, we have to get a long term and we're able to get people's Invested in mutual funds for those 25 or 50 bucks a month. I mean 25 bucks on it seriously. I Love the idea of mutual funds for our employees, too I thought Dave Ramsey at least tried to shamming. Yeah paid a lot of last year But I would be interested in a savings plan. Awesome. All right, let's go Paul I mean Tom, sorry This is just money so first on the left they start when they're 22 and they go through until they're 29 to put in 44 grand the guy in the right he plays parties or does whatever he does doesn't start till 30 and You can see 44 grand compared to over 200 grand and it's a guy Can't going on the left how much more they actually have. I mean, it's amazing Yeah, 2 million to 1.8 over there. Yeah, and this guy on the left when he put 44 grand in Yeah It's you know, it's kind of like exponential growth if you're like doubling like 10% interest the rule of 72 every seven years You're doubling your money.  It just looks like So then we talked about that thing here I Think we've all seen them that riddle, too I guess not really a riddle, but it's it's always presented as a riddle Which would you rather have a million dollars or a penny that doubles every day for a month? There you go So that's a common little thing. It's huge Yeah All right, the three so if you guys haven't heard that you haven't done it try it take your penny and Double it every day for a month and look at how much money you would have at the end of just 30 days It's a long time to get any kind of money at all, right? 32 pennies I'm already a weekend. I still don't even have a block 64 so we can so how am I going to be Preciable amount of money at a month. So do the math y'all. All right Okay, this is all cost averaging so so is an example we talked to people about investing every month just like clockwork and Well, what happens if it crashes? Well, guess what you keep investing perfect example We just went through it. So the market went down 30 percent. Well, you know, our company stock was at 138 I was able to buy it at 70 It was on sale so every time I know people want to buy things on sale I don't care what they're talking about. Did you because I asked him was the last thing he bought And I don't care what they say. I say what was it for sale or on sale, huh? So This is not good It's not not a good thing to always buy everything on sale because you can be sucked in and lured into things that you don't need Well, sometimes this is true. I have a friend of mine. She she gets she sucked into Amazon but anyway in terms of the market if it's if it's crashes, it's a great time to invest disciplines and You know frock and and being diversified so that's what like a meat of fun would come in handy because one meat of fun Can't be in as many as a hundred a hundred fifty different companies and they're all diversified very diversified Let's go Tom. All right. I'm thinking you guys for your employees before you start talking to them about Investing make sure that they're saving so save you first, right? And that currency fund Okay, teach them how to save some money and get into the habit of getting money out first I'm mutual fund is one most effective long-term investment vehicles. Okay, great So this is just talking about the cycle here So we're talking about here having people invest they go pull their money into the fund And so we what fund is gonna do they're gonna hire people that that's their total job is to go out there and seek out companies who wish to invest and They're all over the world and then they do that and then Then they buy bonds and other stocks and whatnot go through there And then regardless of the price and it goes over here so legally, you know If you want to withdraw some money from a fund they have to have your money to you within seven days now with the new Things with the online so forth Generally speaking you can get your money a little bit quicker than that, but that's a whole Pardon me Just talked about you know, who what's what's just gonna make more money everybody wants to be in a rising market But the reality of is we're in a fluctuating market all the time so you go the next one so a You know what they got six hundred dollars here if you look over here to the right you got 42 shares They got 840 over here and below that B They got 126 shares and then they got 1260 so the fluctuating market if the market goes down you're buying that That many more shares because a price per share has gone down and you're only investing a hundred dollars a month so so both of these people invest the same amount of money, but one on the Person B has made a lot more money. They've got more shares If you're invested in the same amount of money every month stop market going down is a good thing You're just buying more stock. You know exactly that value only matters at the time. You're trying to sell it Yeah Then 30 who's wants bill in responsibility. So we're talking on the left about you know young kids debts mortgage So if this is what we're talking about In terms of like life insurance as an example we want to be able to Replace an income so out here retirement most people will reach retirement So kids are going out of the house deaths are down mortgages paid But we need to have cash to live on so security it'll do a little bit It might buy a piece of bubble gum or maybe tank of gas But it's it's not going to be enough to quote live on so that's why we want to have people Impressed upon them to start putting money away for the long term Now we talk about cash versus by term invest the difference here on the left you know it says here you got a hundred fifty thousand each one and They're paying The month 297 and then then you got term insurance here So the double the coverage a lot less money you take 175 and put that in the mutual fund He owned both so this is the same idea as paying off your credit cards by paying the same amount each month and as you pay one off take that Extra money and and put it and then more goes toward your principal. It gets paid off faster Kind of the same idea So now the link over here in the roll of right is the link to the to the 12-week class they can get This is what we want right here. Okay, Tom. This is what I've been waiting for Paul I That link for us and so what what we're looking for here you guys or our thinking is that you can Take this link and Maybe for ten weeks Present one class to your employees eat, you know, like every Monday morning Let them or give the send the link out on Monday and let them take the Class over the course of the weeks and the next one out the next Monday maybe have some Bonuses or rewards for anybody that can answer two questions three questions about the training that they went through and Maybe have them begin a goals program. What do they want to say for first and and my suggestion, you know You guys know I have had a goals program in our company for 20 years now start small It's okay. If the first thing that they want to buy is a purse That's fine Have them start with saving money for a purse and once they get that purse It's more exciting to then go for the next bigger thing and and heck now a days some purses are expensive, too I heard they can't Yeah, they can be I was gonna hand out my number I didn't get my number on there, but may name a number if they want it. I was gonna do that, too Yeah, absolutely. We will we can put it in the notes here. Okay. I'll put it in the chat I can Well, what is your number? It's a two zero six Okay, seven one three Seven one three zero seven zero seven Pacific time Yeah, you guys are on the west coast over here, so Five o'clock in the morning I caught at 5 a.m. In the morning. I'm probably I'm probably working out or sleeping so You do realize I just put your phone number out on open Facebook, right? That's fine Here hey, good to see you as One of my buddies All right, so these are are these the classes all that are in this 10 week course in that link there That's a 12 link. Yeah 12 week course. Yes Yeah, it's 12 weeks Is it the stuff that's in this little red house some of it? Yeah.  Well, yeah, I'm sure here. I mean Tell me one person, you know that doesn't use money Right if they make money and they have a family I would think that they would want to Pay attention because there's gonna be a lot of things in here that they simply never ever got in school. I Mean a basic budget is this it Tom. Did you pull up the link? It is This is the first Yeah So says here is free to register So if I register, what do I get? You get you get 12 classes they go Alright, so you guys that that warning is funky, right free to register sounds like free to register But we're gonna charge you for something else down the road. That's that's not they want to get involved Buy something there. They're free to do too. I mean they don't have to buy anything if they don't want to Okay, there's not they're not gonna be like forced to okay now and give us your credit card and we're gonna Know all right Sounds good Okay, you guys so this was this was our idea is that you could begin educating your people on financial management, especially because with with COVID-19 happening the way that it did a lot of people were caught unawares for you I know I was I know a lot of people were really caught Unawares did not have the amount of money that they should have had in the bank. I did not now was I okay? Yes, but did I feel comfortable when it was going on? No when I heard everything was shutting down We were maybe not going to be working for you know in the beginning. We're talking about not working for three months Was I happy? I was not did I sleep like a baby those first few nights? I did not so if you were like me then Maybe you also are putting a little bit more time energy and effort into some financial planning And let's share this you guys we can do better with our people and for our people Especially in the context of what's going on today So you guys know Tom and I we don't really go political very often, right? But in the context of of what's happening today It's true that our people are in a worse place Than a lot of employees that are out there in the world now I'm not comparing that our our employees are in any way Related to you know the the problems that the Different races are having any of that kind of stuff But we can't deny that the employees that we have Tend to not get the education the help the support that they need and here's one way that we can at least help With this one area, I mean we got to be doing a lot more of course, but here's a way to help in your area your people I mean Right here in the deck 60% of Americans have less than a thousand dollars in savings What percent of our employees are team members? Fall into that category Probably more than 60% right? I'll tell you in my company that number is probably closer than 95% Oh, I mean we have an obligation as employers to least There's only so much we can do in this industry We don't have the means to pay six-figure salaries to cleaning professionals the economics don't support it right if we're going to help our people we have to help them through Education and this is this is I mean this isn't all of it, but this is definitely part of it we have to to help our team members to Understand what money is and how to use it more wisely and you know over time get to a point where you've got much more than a $5,000 in the bank because you can't live in this world long run and have You know no, so it's a going into the details. I mean you understand everybody understands why that's important But we get caught up in the day-to-day hustle and bustle of just you know Trying to get the homes cleaned and deal with all the things that we're dealing with This is important and and we need to be thinking more about Providing this type of training and support to the people that we count on and And and this is an opportunity for us for retention as well a lot of people in our industry a lot of business owners Really struggle with retention. It's harder to leave a company that is building you up It is really hard to leave a company that is making you better Making you more in this case may be financially secure and I really love what Tom always says About teaching our people about not just making money, but building well When I don't know about you guys, but I know it in my company my None of my employees not one of my employees ever thinks that the word well Will be attached to them in any way shape or form None not even one and I feel like that's really sad Like this like where is your hope when you can't even see a chance for wealth in your future. I Gave up offering financial planning advice. Hello to my ladies a while back, but what you're saying is so correct. We'll try again. Yay Good, I'm glad you can try again Yes, I actually I feel better I don't even care that the beginning of this PowerPoint or not PowerPoint of this Facebook live was a Struggle you saying that for now make me feel much better. Thank you. I appreciate that We are against the hour here so Paul this was really good information. Sorry, we had some technical stuff up You know once you know we get down the road a little bit, you know Maybe we can get together down the road and you can you know pitch this again and help us In a more controlled setting over a longer period of time because this is important stuff. Well, that would be Yeah, I that would be an opportunity that would be fantastic and Maybe I can find some resources you guys could could show their employees because I know a lot of it is Just their thinking and if we can if we can show them little bits and pieces here and there That can they can start changing their thinking because we are Where we are based on our thinking pure and simple so if we can work on that Yeah, and she and then also was saying that she loves the idea of that for just $25 you can get started so 25 bucks that is totally reasonable I feel like if you're paying weekly or if you're paying bi-weekly it makes it even more palatable For people, right if they're getting paid weekly and they only have to pay seven dollars a week That seems affordable, especially to your smokers because they're used to spending what ten dollars on a pack of cigarettes So right right a bucks a week or or a Starbucks coffee Tomorrow is on the spot and we've got everything lined up.  It's gonna be Go ahead Tom what no you got to bring your questions because each question everybody each one of us will take one minute or less to answer your question and we have a timer and Once we get to a 60-second mark You know we get buzzed and we have to you know be quiet and it goes to the next person and We're gonna get a lot of stuff knocked out real quick so If you have any questions about anything related to house cleaning business or you know We're willing to take questions on whatever you got. We might know more about some things than others But but bring it on Please no fly fishing questions for me because it's gonna be that answer is gonna be so short so boring All right, but I do have a hint. I have a hint about our secret guest It's man. I got one more hint Larger than life when you think of him you will forever think yes. He's larger than life All right, you got my big clues there my big hint see if you can guess who he is and join us tomorrow to find out Thanks guys Yeah, thank you very much both of you


I cannot do this with you guys in here. So I wanted to film a little get ready with me makeup video. I got a small tripod so I could do this on my desk because I've got some complaints about the lighting. I always do my makeup tutorials in the dark. So I'm just gonna get ready and then I'm gonna change what we're going to dinner in Fairfield. I thought this was Amanda's birthday dinner. I was gonna do like a get ready with me go to birthday dinner, but it's not Amanda's birthday I just moisturized. I'm using the beauty counter adaptive moisturizer and then I'm gonna use this. It's the Dior nude air. It's one of my favorite foundations, but it's hard to find. You either need to get it at the Dior store or at like a Dior counter. So if you can see these have healed but they still have like a little bit of pigmentation left, the hormonal zits that I had. So I'm just gonna. So I am back in Connecticut if you can tell. I'm in my bedroom at home. We are going to be here for a bit and then we're gonna go down to Florida and close on the house and get it ready. I really like this foundation because it's really thin and dewy. I've never really used a foundation like this honestly. The consistency is like water, literally. So I asked on my Instagram for recommendations for videos for me and that is super helpful. Like I just, I so prefer asking and like really seeing what you guys wanna see. I'm gonna be using the Shape Tape on the Tarte Shape Tape concealer. It's really helpful for me because I have so many ideas especially at night, I'll be in my bed and I'll just be thinking of all these video ideas. Like I'm so excited about them. I'm gonna wake up and just be like, I don't know, I really appreciate people writing into me and telling me what they wanna see especially people who actually watch my videos. So sweet, I've had some people come up to me recently in public like restaurants and stuff and just be like, oh my God, I love your channel. That's just like really crazy and weird for me because I do create these videos and I know that I get views and stuff but I just feel like, I just kinda feel like no one actually watches and I'm not even saying that in like a bad way, I just, I don't know. Okay, sorry, I built lighting. I felt like it was super weird. A suggestion that I got that repeated itself was to do a mental health video and I'm gonna put my hair up, I think. You know, I'm just a big believer in positivity, what you put out is what you get back. Just like law of attraction, part of me or part of the problem or why I haven't made a mental health video or anything of that sort is kind of because I don't like saying negative things.   Like, anything like that is negative and it's not positive, it's not helping me and that's personal. Also, I hate more than anything people who feel bad for themselves who sulk in their own misery. I think attitude is a choice.   That is so not what I want because I do go through depression and anxiety. I am prescribed medication, I've been through stuff. My family has been through stuff. But it's like, I don't know. I'm just not super keen to be dumping that on my channel but I also know that I want this to be personal and I feel like it is important to share the good and the bad so I'm navigating that. So I think what I'm going to do is make a mental health video and talk about law of attraction and how I picked myself up out of a bad place. How I no longer feel bad for myself. I try really hard to not speak negatively about myself and about situations. I try to be an optimist. I try to be a realist. There's like a lot of things and I feel like that's something that my friends love about me, my boyfriend loves that about me. So I want to share it with you guys and like, I don't know. I feel like I can help you guys. Another video suggestion that I got was to do a video with my boyfriend and he wants to do a video with me. So I think we're going to do like either like him doing my makeup or like a taste test thing. Sorry, I'm just using like this DR backstage palette as contour and then some Hula bronzer. I'll focus it on the outside of my face and then I'll kind of go in with this and buff it in. This is a bronzer that I've had for a very long time. It's MAC. It's called Give Me Sun and it's kind of orange, but it's really pretty and I use it kind of where I would use blush and I use it on my forehead where I would naturally get sun.  It's like kind of contouring, but it's like kind of starting my eye shadow. You look so cute. I got a new eyebrow setting gel. This is my favorite. I'm like still unsure about my eyebrows. I think it's just weird because they were so bushy and like out, not outgrown and grown out, that it's like weird to see them like that. I got two new lip liners from Kat Von D, Lolita II and Bow and Arrow. I think I'm gonna use the Bow and Arrow. So for me, the best way to line my lips is to overdraw the top, like the very top and the bottom, not the sides. That's a pretty color. So like, so I'll overdraw like here and down here and then I'll follow my actual lip. A lot of the time I use lip liner as a lipstick and I'm just gonna swatch it all in. That's Winnie sleeping in the back. So I just go to the shower. My hair is kind of air drying, which I kind of like in the summer. So now I'm gonna focus on my eyes. I think I'm gonna do a little bit of eyeliner, but with powder, not liquid eyeliner. I do a little bit of wing and then I'll do like a little bit here just to kind of make like more of a cat eye effect. The nice thing about powder is you have a lot more control. Like you can kind of mess it up and then smudge it. You don't have two SD cards? No, I'm sorry. I'm using my Kylie powder, by the way. I'm just gonna take this color and just kind of like smudge out everything that I did with like a little bit of brown over it. Okay, so I just color my lashes. I'm gonna go in with the IT Cosmetics tight line. Yeah, I'm kind of happy to get out of Toronto, honestly. So bad, but whatever. No, you don't, you look so cute. Hi, okay, step right down. I can't get over the car. Yeah, how good is it? It's like the hottest thing. I can't get over it. Okay, I'm gonna put on a little bit of blush at this beauty counter date. It's kind of like more of a deeper pink, like not peachy. It's more like a flush. Oh, hi.  I'm just gonna go for my lip liner one more time. Well, I don't know.  Remember when Gigi, like not Gigi Hadeed? Gigi Gorgeous had a video with her ex-boyfriend with this. The, we're talking about the OG ex-boyfriend?  Yes, Corey. Corey Benny. It's like you loved him. I did, I loved Corey. He's short of a movie. Then I'm going to- That's better than him, are you saying? Sorry. Who? I don't wanna talk about that video. What? Give us the tea. I'm not gonna speak on a video. Yay! Riley is a YouTube channel too, so. I don't think so. You look so cute. So then I'm gonna use the Beauty Counter highlighter stick. It's kind of like a bomb. Don't really like glittery highlighter, but it's like kind of dewy, it's looking. Mesh guy, with a poly. Like, perfect. Can we have a look? And the lightens. I don't know if I like, I like don't have a tag on it. I think so. Okay, now I have to get ready. One more of this. This top is from Shop Rumors. They sent it to me, it's so cute. The back is really cute too. And these jeans are from Mauritia. Okay. I changed. Zevi actually drinks a lot. Not with me, and not with me either, but with his- Oh wow, with his- Oh, with his boys. Yeah. Hi. Boys plural. It's like, I turn into like a weird boy when I drink, like do. Like you need something that clothes. Should we take a trip to Best Buy? No. Not today. So I did the video. I'm about to go in the hot tub with my boyfriend. I'm at home now. I'm really looking forward to doing the whole video on mental health and just like, my like personal experience with it. Like what I've found works for me. Like the whole law of attraction. Like how I'm a positive person. How I've like chosen to be a happy person. And that's the life that I live. That's something I'm really passionate about. And just really excited to share with you guys. I felt like this was a super jumbled video, but I'm excited to edit it. Until next time.


Welcome to Ask Chrome, the Ask Me Anything panel with the Google Chrome leadership team where we're answering your questions about troubleshooting, building great web experiences, and the future of Chrome and the web platform. And some of these questions are spicy, so definitely stay tuned. We're also taking live questions on Twitter, Discord, and Slido. You can find the links to Discord and Slido on the CDS website. And if you'd like to ask your question on Twitter, tweet at ChromiumDev, that's at ChromiumDev in one word. We have Jake Archibald looking out for your questions live, so if your question doesn't get asked, just blame him. I'm Nina Kraviz, a developer advocate on the Chrome Web platform team, and here with me we have directors and leads from product management, engineering, privacy, capabilities, rendering, and graphics, all across Chrome gathered here today in a meeting at the same time. And I've seen how packed the schedules are. It's so nice to have you all here with me today. So to get started, I'd love for you all to introduce yourselves and tell everyone watching a little bit about what you do and the areas your teams cover. Maybe we can go in order starting from Ben Galbraith, and then we can go to Ben Goodger, Parisa, and Chris. Great. Hey, everyone. Ben Galbraith. I lead product management for Chrome's web platform team, and I've been working on the web platform or building on top of the web platform as a web developer since, I guess 1995 or so in various industry roles, and I've been at Google since 2015 with one-year intermission. Happy to be here. Hey, I'm Ben Goodger, and I lead engineering, product, and developer relations for web platform in Chrome. I've been working on the web since the mid-1990s, initially as a developer, and then I got involved in building browsers. And it's always been so incredible what people can do with the platform, and as the platform has gotten more powerful, we really see what the future of computing looks like. So I'm excited to be along for that, right? Hi, everyone. My name is Parisa Tabriz, and I'm currently responsible for the Chrome browser product engineering and design team. I've worked on Chrome for about eight years and first joined to head up the Chrome security team, and so care really deeply about security, privacy, and in general, building great experiences for users and developers on the open web. And I'm Chris Harrelson. I'm a software engineer on the Chrome team. I've been here on the team for about eight years. I lead the rendering team, which is the team that does how you turn HTML into pixels, and the rendering NG effort is one of the things that I was helping to lead. I'm also a Blink API owner, and I think I haven't been working on the web since as long as the two bends, but I've been using the web since the beginning, and I love it, and I hope that it gets better over time. Thanks. Thank you all for those intros and for being here. As I mentioned earlier, some of these questions are pretty spicy, so I think it'll be fun to just dive in and get started with some of the spiciest ones. So our first question is around privacy initiatives and some recent news headlines, and this comes from Jeremy Keith, who asks, given the core proceedings against AMP, why should anyone trust Flock or any other Google initiative ostensibly focused on privacy, and for those who aren't aware, Flock is Google solution for ads without third party cookies and individual tracking. Yeah, you and I can take this. So first off, can't comment on the AMP legal proceedings, of course, but yeah, speaking about Flock, Flock, as you probably know, is part of this broader initiative that we call the Privacy Sandbox, and I think it's important to note that we're not asking for blind trust with the sandbox effort. Instead, we're working in the open, which means that we're sharing our ideas while they're in an early phase, we're sharing specific API proposals, and then we're sharing our code out in the open and running experiments in the open. And in this process, we're also working really closely with industry regulators, you may have seen the agreement that we announced earlier this year, jointly with the UK's competitions and market authority regulator, the CMA, and we have a bunch of other industry collaborators that are working with us. So we'll continue to be very transparent moving forward, both in terms of how the sandbox works and its resulting privacy properties, and we expect the effort will be judged on that basis. Thanks. Yeah, thank you. So we also had a lot of questions around AMP and Chrome's plans for it, and these were some of the top voted questions that we got on the Slido. So could you also speak a little bit about what the future status of AMP looks like? I think I could take this one too, Yuna. From the Chrome team's perspective, we view AMP as an important part of the web framework ecosystem, as appear to other popular web frameworks, and we'll continue to support the developers that choose to use it. I also want to highlight, though, one of our goals with the Web Vitals initiative is to make it easier for developers to understand how to achieve things like fast perceived page load times and stable page layouts, regardless of the web framework that they choose to use, and to align Google search with those guidelines. And this was based on feedback from developers based on AMP and the role that it plays in the ecosystem. Yeah, so another thing that we've seen headlines about recently is Photoshop, another Adobe design programs in the browser. And as somebody who works in UI, this has been so cool to see all these integrations, but we have an anonymous question here. It says it's great to see Photoshop on the web, but isn't this just another example of a Chrome-only web? Why doesn't this work in Firefox and other browsers? Maybe, thank Gidry, you could speak to this. Yeah, I'd love to speak to this one. And I think this is an important question, so thanks for asking it. But as we look at the way that the web evolves and the way the web has evolved over the course of history, it's actually relatively rare for APIs to emerge simultaneously in all browsers. And so part of the process that we undergo as we work forward on building the future of the web with the community is to try things out, to experiment, understand that we will iterate. Ben mentioned this before when talking about the Sandbox APIs, but we do all of this very much in open.  And with the Photoshop launch, you can really see what's possible when we build together a more powerful web. And so I'm fully anticipating that we will continue to iterate on these APIs. We really welcome cross-browser dialogue on the shape of those APIs. We anticipate making changes to them as we figure out ways to make them a durable part and ultimately for them to become standards. So yeah, that's our view. A very open process, a very collaborative process, but it starts here. I also just want to jump in and add that Adobe has publicly shared their intent to bring Photoshop to more browsers and is working hard with other browser vendors. And also note that a recent tech preview of a future Safari release included support for the File System Access API, which is one of the APIs that Adobe needs. That's great to hear. So just in general, is browser diversity important to you all? I think I can take that one. This is a topic that is near and dear to my heart, so I appreciate the question. The short answer is that browser diversity is actually quite important because the web is an open, interoperable, and universal platform. And browser diversity is part of what makes that stay the way it is going forward. Competition paired with a commitment to interop is also a good thing as it helps to make sure that the web stays and keeps getting better over time through those operations. And this is actually one reason we also have efforts like the one that Compat 2021, which was mentioned earlier, in order to increase the interoperability of browsers going forward. And actually I have even more good news to share, which is that the score for Safari on Compat 2021 has increased since we created the slides for the keynote from 85 to 92, so progress is really fast. Wow, that's awesome to hear. As somebody who builds the web and runs into interop issues, it's been great to see browsers working together to get some of these key APIs normalized so developers can use them faster. Yeah, I was just going to add to what Chris said or maybe emphasize it because he said it, but I also feel like competition is just so important for innovation. And so even though most of my time is very much thinking about how we can build the best Chrome browser and Chrome browser experience, I really think that it's exciting to see how many browsers are sort of emerging and what innovation comes from that. And so I'll chime in as well to say I think it's pretty important. Yeah, I love that sentiment about innovating and also working together to bring a better web to everyone. That's definitely key. So Carissa, I have a question for you here. This is just around the review process for extensions in the Chrome web app store. There are some complaints that it's rather long, it takes a week or more. What steps are you implementing to reduce the review time? Good question and feedback. Thank you for the feedback on that. So the whole developer experience for extensions is super top of my interest and for sure the review process is one piece of that. We continue to invest in it and try to improve our policies, clarify those policies and also make our review process more efficient. And something me and my team look at are kind of mean and median review time and sort of what's happening at sort of the exceptional spaces. So I know over the past year we've actually been able to review the average review time for submitted extensions to where now even pretty complex extensions are reviewed and approved in a couple of business days. And I think we're always trying to improve that. And at the same time, make sure that we are really keeping the quality bar and the safety bar and the privacy bar really high for extensions so that end users can have confidence that something they get from the web store is really high quality. And so thanks for the feedback. We continue to work on it. Proud of the team's progress in making things more efficient. But of course, there's always constantly trying to improve that experience. Yeah, thanks, Risa. So we saw on the keynote that there are a lot of awesome features launching and we got a live question in from Ronier on Slido with all of these awesome features, the future of web browsers will be, will the future web browsers be in a place or a place IDE? Could we develop our apps maybe 80 or 90% entirely in the browser? Is that something that you see? Happy to take this. I've been enthusiastic about the web IDE space for a long time. I worked on a project doing this in the late 2000s at Mozilla. I think we're seeing the capabilities of the web expand dramatically. And moments like the Photoshop preview we talked about and so many of the other powerful apps that are on the platform showcase what's possible. I don't know that it's about replacing conventional desktop IDEs. I think there's room for a lot of different approaches. But I would expect in the coming years to see more and more people able to do their full development cycles using the pure web-based IDE. And I'm really excited about that. And I can't wait to see it. Yeah, I could definitely see that future becoming more and more of a reality as well. So speaking about browser diversity, which is we talked about a few questions ago, another popular question that we had was around mobile browsers. Remember, here's the question that comes from anonymous. Were iOS comprises more than 50% of devices? What's the future of the mobile web without real engine choice? How does one, how does the web stay competitive without Apple on board? Yeah, I can jump in and start to take this one. So on the Chrome team we think it's super important that browsers are responsive to the needs of their users and their developer community. And so that, for example, drives the investments that we make as a team. We work on performance because users tell us they want the browser, they want the web to be faster. Developers tell us that they want new APIs, new features, they want us to fix certain bugs. And so we prioritize that. If you've been around for a while, you'll remember an era on the web where innovation slowed down and even stopped when there wasn't enough development on the browser, on the platform. And what got us out of that funk, really, was the ability for users to make choices about the experience that they want to have. And so that's super powerful. Parisa talked about competition and why that's so important. We believe that super strongly. It's important that users have the choice and then across browsers we can think about how to make a better product for users and how to respond to our developer community effectively. So those are the principles that guide us. Yeah, I totally agree with what Ben had to say. I just wanted to add a couple more points. One is that I don't think iOS is 50% of devices worldwide. I'm always surprised at the diversity of devices and platforms out there. But regardless, it's totally true that the Chrome team supports an open web and that's why we work extensively in the open to support the web's success. And an important part of that is a diverse set of browsers across all platforms, including iOS. Definitely. So we also had a few questions about Manifest v3. Is Manifest v3 compatible with all versions of Chrome or at least which versions are covered? I can take this one. So Manifest v3 was available to use since Chrome 88. And so it should be compatible, all versions after that. We just shared an update on our timeline for deprecation away from Manifest v2 a month ago. And that's going to be the progress as we evolve the extension ecosystem to Manifest v3, which has lots of security, privacy, performance updates. The faster people can move to Manifest v3, the better. And so please do that work where possible. And on all questions related to sort of extensions in Manifest v3, we have Chromium extensions at chromium.org as a really good place to engage with kind of all specifics. A follow-up to that question. Why is Manifest v3 taking so long? Yeah. So I touched on it just like a little bit, but it's been important for us as always when you make these big changes to really listen to the developer community and get their feedback on improvements, get their feedback on what's working or what they need. And so part of the reason this transition has taken a while is really to make sure that we're hearing all those voices, acting on that feedback and giving developers time to make these updates because we don't want to break a ton of extensions who are on Stull v2. And so I would love to go faster, but also because there's just a ton of improvements in Manifest v3 and at the same time recognize we have to be thoughtful, especially in sort of complex times to make sure that people have the time and space to make the updates they need to their extensions. And so I'm also eager. Thank you for the question. And one of the things we're committed to doing is to just really keep providing updates on timelines because we will deprecate v2 and want to just make sure we can do it in a minimally breaking way. Yeah. Thanks, Parisa. I really like this next question. It's a little bit more general. What are some examples of proposed web platform features that the Chrome team has declined to implement and what went into that decision? I think I can take this one. And apologies in advance that my answer is a little bit long, but I think it's because it's a complicated question. So as I mentioned in the beginning, I'm one of the I'm the lead Blink API owner, which means that I work to help approve shipping new features in Chromium. So let me tell you about how that works and how it differs from Chrome. So Chromium and Chrome are not the same thing. Chromium is an open source project with contributors from many companies, such across across the board, such as Microsoft, Igalia, Opera, Samsung, and so on. Chrome is Google's product that is built mostly on Chromium. And distinction is important for questions like this, because when we implement a feature, the feature goes into the open source project, whereas Chrome is like a shift product that builds upon that code base but could potentially have differences where we flag features on and off. So let me give you a couple of examples of features where Chrome decided at the moment at the time or at the moment that it wasn't the top priority to implement the feature, but it was implemented anyway because someone else contributed it. One example is MathML, which will when it ships hopefully sometime soon will allow all websites to have easy to express mathematics. And that one was actually contributed by Igalia. So while Chrome didn't feel like it was a top priority to implement that relative to other features at the moment, the code was reviewed and was added to Chrome. Another example is the request storage API, a recent one that Microsoft is implementing. Again, that's being implemented in Chromium. And there are also a few cases where the Chromium owners, meaning like the code owners, the people who try to make sure that the code base is high quality and sustainable over time, have decided that there's too much complexity and that it would be too much of a difficult feature to implement at this time or as designed. And one of those examples is CSS Regions, which is one that was proposed a number of years ago and was ultimately removed from Chromium. So after a feature is implemented, it may be shipped in Chromium, which means that we go through this Blink API owner process and then we turn it on by default. And that is done as long as it meets the requirements of building towards a standard-based, open, interoperable web platform via consensus specifications. And that process, as I mentioned, is mediated by the Blink intent process and the API owners. However, Chromium-based browsers like Chrome, Edge, Opera, Samsung Internet and so on can and do actually flag features on and off, which are in Chromium by default. So hopefully all of that long-winded explanation helped explain our point of view towards Chromium and Chrome. Thank you. Anyone else want to talk about features? Presidentship? All right. Well, we have a live question actually that builds on to this from the other side of the coin about specific features that maybe you can also answer some, Chris. Are you planning to implement CSS subgrid? Firefox is currently the only browser that supports it. This is another good one. So originally the grid implementation was contributed by Igalia also. As you can see, Igalia is actually a really important contributor to Chromium. And that was added to Chromium because we just didn't have the staffing to implement ourselves, but now we've actually reimplemented it as part of the LayoutNG project, which is part of rendering ng. And this new implementation is actually a much higher quality basis that we believe will be straightforward to add subgrid to. So that is actually starting implementation right now and it's being implemented by Microsoft contributors. Thank you. I'm very excited for that feature as well. So I have a question for you, Vengager. Is the Play Store and Android app compatibility still a priority for the ChromOS team? Development seems to have slowed right down and API level lags on phones, or lags phones. This is from random Android Dev. Yeah, no, it's still very much top of mind. Playlisting, for example, recently have improved support for billing with entrusted web activities. Trusted web activities also provide a really convenient way to encapsulate your PWA in an Android environment. So yeah, that has been and continues to be very much top of mind for the ChromOS team. As a platform team, we are very much focused on trying to build a more powerful platform that enables cutting edge app experiences, especially on Chromebooks. Sometimes that has us working on the Android integrations, the playlisting components. Sometimes that's us working on advanced runtime technology or new web APIs, like some of the stuff that we've talked about with Adobe and so on. And so, really, if there's something that you feel that we're missing, we encourage you to just reach out and let us know. Great. So we also got a few questions about Lighthouse and how benchmarking is handled inside it upon. This one comes from Adriano S. What's the plan with Lighthouse and the Moto G4 slash 3G connection benchmark? Is this device, network combo still the global average after so many years? That's a good question. I can take that one. So yes, it actually is. And this is related to my kind of caveat point I added to a previous question about iOS where actually there really is a really wide variety of devices. And it is true as far as we can tell that a device similar to Moto G4 3G in its capabilities is representative of the global average. So that's why we have it in Lighthouse. And if we see that change through our analytic data, we will definitely update Lighthouse accordingly. And just this is a good reminder that there is a tremendous amount of diversity of devices and network speeds out there. So it's really important to make sure your site performs well on as many as you can. Thank you. Another benchmarking question is about time to first bite. This one comes from Walter Lee. How do you count time to first bite in crux? For example, if the site has many elements inside of it, do you just count the first HTML time to first bite or average it all out? The core web vitals are quite complicated and subtle areas. So this is a really good question to dig into. So time to first bite, sometimes called TDFB, means the time from when the user requested navigation to a site until we get the first bites off the network. So it's actually even before we parse the HTML. It's when you get the first bites back into the Chrome browser. And another point to make is that this covers just the main page resource and not sub-resources such as images. Okay, thank you. So we had another popular question that's a bit more broad, but this question is how deeply will Chrome be integrated with other Google projects? I can talk about this one a little bit. It's a great question. It is hard to add on the abstract, but when you think about Chrome, it's Google's browser, Chromium browser, and we try to bring the best browser by Google as a high level of what we think we're trying to achieve. For me, it always goes back to what are the key user jobs or user journeys or developer jobs that we're trying to serve with a browser? Search is a huge one for a web browser. Doing complex work, whether that's research or learning or in my case, doing work across many different tabs with collaborative docs and email. So complex journeys, shopping. We think about seeking out information and consuming it, and that can be like entertainment or kind of long-form reading. So we always go back to what are the user journeys we're trying to solve. And then we have this amazing Chromium project to build a browser on, and a lot of other things at Google. Search is the one that usually comes to mind. And as search is innovating and continuing to evolve how that technology and those products can work, we think about how can we really bring that to Chrome. So earlier this year, we announced that we're bringing Lens, which is a visual way of doing search into Chrome. And we think that that can actually be really useful for shopping or other user journeys where visual search as a new input modality than just sort of text input can be important. And so there's not like a specific number or proportion I can talk about, like where we think about bringing Google innovation and technology to Chrome. But it's something we're constantly thinking about related to search and shopping. For me, security is also top of mind. And safe browsing is a Google security technology that we integrate deeply into Chrome to protect people from going to sites that will fish their data or install malware. And integrating with a Google password manager so that we can actually make it easier to generate strong passwords and manage them and remove just some of the hard edges and insecure properties of passwords today is something we're working on. And so other security and privacy features, as well as just kind of a whole host of things, but always rooted in how we think we can improve the user experience and with an eye towards kind of other great things that are happening in Google that we can bring to the product more so than any specific number or metric. Yeah, I love that. So on that thread, speaking of user journeys and user requests, we got a question from MTom. Is anyone on the Chrome team looking at building and implementing a Web SQL 2 spec? If not, can we formally request or get involved? You and I can take this. So we've learned a lot over the years through Web SQL and IndexedDB and just in general our efforts to build and structured storage into the browser. We're investing our efforts now into something called the Storage Foundation API. And this enables JavaScript developers or assembly developers to implement high performance file IO directly on the Web platform itself. And when you look at the challenges involved in having a browser own and maintain a sophisticated storage system like a SQL engine and to keep it optimized and bug-free over time, we think enabling this at the library level makes a lot of sense. And I'm really excited to see what the ecosystem builds on this. Yeah, cool. So this is another live question. This one comes from Stacy via Slido. Stacy says, hi, I made my own website through WordPress. Awesome. What are the most important things I need to do to make user experience the best it can be? Actually, I have just one thing to say on this. First of all, we love WordPress. We have a WordPress plugin that we create called Site Kit. And Site Kit has our best guidance and utilities baked right into it. So all you have to do is search for Google Site Kit and take a look. Nice. Any other tips on UX? I don't have a huge number of UX tips. I do think Core Web Vitals is a huge part of our guidance here. And Site Kit makes it really easy to measure your site on Core Web Vitals and to get concrete tips on how you can improve Core Web Vitals scores. That's a great starting point. Yeah, data-driven UX right there. So here's a question from Nicholas Mendiz. I haven't heard about the Portals API for a while. Is it being abandoned in favor of the Web Transitions API? Maybe, Chris, you have the answer for this one. Sure, yeah. I actually do have a lot of context on that because I'm one of the people who's helping to develop this shared Element Transitions API that I think is what the question is referring to. So Portals is not abandoned. We actually prototyped it in Chrome YUM. And we discovered that actually while it's a great feature and it has a lot of promise, in order to implement it in a secure, private and reliable way, we actually needed to invest a bit more in the underlying technology. Like basically by underlying technology, I just mean like the code in Chrome YUM needed to be refactored in a lot of ways so that we could support showing render processes and web tabs in this new mode that is different from Portals to other things. So actually it turns out that that same underlying technology will power not just this feature but things like pre-rendering, another feature that we're working on, Back Forward Cache and Privacy Sandbox Features. So we're doing all that investment right now, but it's going to take a while to complete. In the meantime, we're investing in approaches that improve the user experience over time, but are a little bit simpler and perhaps easier to it, or hopefully very easy to adopt and share Element Transitions, which if you don't know it, is about allowing nice animations to occur automatically during page transitions for MPAs and SPAs. So we're doing that and we think that it will pair well in the future with Portals when we're done with that infrastructure upgrade. Thank you, Chris. So this next question is a little bit meta, but we've been talking about this idea, you know, the web platform. This question asks, how do you define the web platform and how has that definition evolved over time? Okay, I could start with an attempted answer. First of all, it's a bit tricky to define because the web is not just APIs and it's not just browsers because if you just have a browser but there are no websites and there are no servers to serve content, what's the point of the browser? So if there's an ecosystem here of interdependent websites, there are ecosystem affecting products of many kinds like frameworks and the search engines themselves. So all of this together is what we think of as the web platform overall. However, at its core, of course, there is a system of open and interoperable browser and client-side APIs that the whole thing is built on and allows different parties and companies to interoperate smoothly with each other. And so I don't think that particular definition has changed over time, which by the way, I would say is an amazing testament to the quality of the original idea of the web. Pretty amazing idea. But it is true that these APIs are constantly improving and increasing and the capabilities of websites are increasing over time. So in that sense, the web ecosystem is growing and defining its new roles in many new ways. For example, the IDE question, like 20 years ago, web IDE, okay, maybe in the future, but now it's a reality. So that's my answer. Yeah, I just want to build on that if that's all right. I agree with Chris's definition. I think it's similar to how, believe it or not, how we think about the body in a sense, because when you experience life, where do your cells and your DNA end and where does the role of bacteria that you're a host for begin? And I think the web platform similarly, because it's emergent based on all the browsers that are available and that people are using and the libraries that they're using on top of it and the frameworks that are used on top of that and the third-party services that are incorporated into the web experience. And all of this goes into what I really think is meant by the web platform and how users experience the web platform. It's a fantastic, open, organic, and constantly evolving platform. Oh, sorry. I just wanted to add one really quick point, which is that, like, Ben, with something you said, trigger something in my mind that I think is important to mention that on the Chrome web platform team, we really think beyond just Chrome, which is why we're talking about core vitals for sites generally, which is why we're talking about compact 21 scores across browsers. Because while the main thing we're doing is building and shipping a browser, the whole ecosystem is much larger than that. I'll add on, I've used the term beautiful chaos to describe all of the innovation and activity that started in the 1990s and has been exploding since. And I think Chris is right. There's some things that are static. There's some fundamental principles, properties that were baked into the platform from the beginning.  When you have multiple user agents implementing that set of open standards, those are all really powerful things. As we look at the platform, we're trying to find ways to understand those, reveal them more, to emphasize them more and help developers build amazing experiences. And so I would really say, as we look forward, understand what those fundamentals of the web are. And then where do you want the web to go? This is for the developer community. This is for the community around the web to decide and chart that course. I have a reaction. Sometimes I see these people pontificating along the lines of, oh, hey, the web should only be about this one thing. Maybe it's only a document viewer. It shouldn't be about apps. Well, ever since the advent of web mail and search, we've had services and application experiences on the web. So I don't think you can really say it's not about those things because it is. And so as developers, just continue to step forward, contribute, share your ideas, share your experiences. Let's continue to make this a super awesome platform. Yeah. It's been amazing to see how far the web has evolved while staying true to its principles. I think you all for your answers are great. We got a question from Simon Bloom. Are there plans to reduce the numerous and repeated permission prompts for PWAs and progressive web apps? Permissions should be grouped and remembered for installed PWAs. Question and feedback. Yeah, sure. I can jump in on this one as well. I know that, you know, we're still, you know, as we've added like a number of really exciting, powerful capabilities to the web, we do feel a bit of attention around both the demand to add those capabilities and like how do we explain these reasonably to the people that are using the software and how do we make sure that we don't overwhelm them with too many requests and so on. The challenge here is really finding the right settings on the dial of like how much to show. You know, we could say, well, just ask when it's appropriate. Well, what does that mean? Like this is something where we are actively studying like what for certain capabilities, when is the right time to ask? What does that look like? And so we're doing, you know, like instrumentation analysis and study. It's a journey. It's something where I feel like we will make progress, you know, over the next, you know, year or so. But it's definitely a hard problem, but something that's top of mind for us. Thank you. There's also a few questions coming in asking around, you know, why can't we put PWAs in a play store similar to what we see Microsoft doing with Windows? And here's a question that says, a couple of years ago, Jake asked this very panel, when are PWAs going to be listed in the play store? When are they going to be listed in the play store? I'll take this. Benji spoke to this a little bit earlier by the other Benji. You know, this is a complex space in my view because you've got the stores which are owned and operated distribution channels with policies that they have for the content that's in them. And then you've got the open web, which is open and available to all. And so marrying those two is tricky. And we have technology, we call trusted web activities, or TWA, which enables developers to distribute their web content in the Google Play Store on Android and also on Chrome OS. And we have tools like bubble wrap that make that process streamlined and relatively simple. And this is currently our approach. Appreciate feedback. And we're constantly listening to developers and looking at ecosystem developments and evaluating our stance. Nothing new to add. Thank you. We got a live question here about CSS Houdini APIs. When will the CSS Houdini APIs for layout, parser, and font metrics be ready to use in Chrome? Chris? Sure. I can answer that question. For layout, we actually decided that we could not properly implement and ship the layout API until LayoutNG was done. So as I mentioned in my rendering, NG blog post, LayoutNG is coming to a close now-ish. It's actually probably going to take until a little bit next year. And after that, we're going to come back to the layout API. And the other two were font. And what was the other one, Yuna? The other one was parser and font metrics. Layout parser font metrics. So for font metrics, we've been gradually introducing additional font metrics directly into the platform. And I don't think there's a particular plan for a parser Houdini API. Okay, great. We had another question about cross browser capabilities. Firefox and Safari are implementing privacy features like cross-site isolation. Why isn't Chrome doing the same? Maybe, Parisa, you can have some insight on this. Sure. So let's see. Digging into this question. Well, first, Chrome is super committed to advancing security and privacy on the open web. It's a personal area of commitment and something I'm really proud of. The work Chrome has done over the past decade plus. And certainly, there's lots more work to continue to do here, both in the product and the platform. When it comes to site isolation, so Chrome launched site isolation, which is a security feature a couple years ago, and that advances protections via sandboxing at the site level. I'm not sure if that question is referring to that, but that's something that we're seeing other browsers actually pick up. Now, in the privacy space, and perhaps this question was talking about privacy and anti-tracking, we're seeing also innovations and different approaches to combating this problem. Chrome has a privacy sandbox effort, and what this is a collection of APIs and features that are all intended to advance privacy on the open web, but also ensure that we're supporting really vital use cases for developers in particular. And a bunch of features, you can read more about it at PrivacySandbox.com, and I know we have some sessions on that at Chrome Dev Summit. Just one feature that I know is an active development is called fenced frames. And what that is, it's a type of iframe that is more privacy protected from the actual containing page. So that's just one example. But broadly, we invest a ton in this space and very much depend on feedback from developers to make sure that we're advancing things in the right way, and also your support in deprecating APIs and technologies that we think have been replaced by improved APIs too. And so thanks for the question, and look forward to continuing to work together on improving privacy on the open web. Thank you. Our next question comes from Lauren. Do you feel the move from web fundamentals like vanilla development towards external ecosystems, which as React is concerning? How many turtles must we stack? I could start with trying to give an answer. It's a good question because there are so many frameworks, so many libraries out there. And then as we mentioned throughout CDS this year, there are tons of new web APIs too. So from my point of view, if you're using a library framework and it helps your web app perform well and succeed, that's great. Success and a useful website is really the most important thing. That being said, the more turtles there are, the more complicated it is to make all the turtles not fall off of each other. And there are definitely performance challenges that are inherent to loading and executing more scripts because the more bytes that you download, the more JavaScript you're running, the more that VA has to figure out how to run it quickly. So less is better, all things being equal. That's a key point. All things being equal. The library adds a lot of value. That's great. So however, we're undergoing a continuous process of identifying the common things that a ton of sites want to do. And if a lot of sites want to do a thing, then we should consider adding it as a web API or whatever that thing might be. And so over time, we might add more web APIs and then that would reduce the need to download additional JavaScript to do that same thing. So I just want to pick up and add to what Chris was saying because I think it's a really fundamental strength of the web platform and the web ecosystem that we have this constant innovation in the frameworks and libraries that are available to build. And it can seem a little exhausting sometimes because every time I turn around, there's some new approach. But at the same time, I think this pushes the platform forward in a powerful way. And Chris was talking about what I think is the spectrum that we've been facing in computer science and software development from the very beginning, which is developer ergonomics on one side and runtime efficiency or performance on the other. And it's not really clear to me that there's an objectively right place to be in that spectrum. I think it's a very individual decision based on the teams and their goals. But what we are trying to do with the Web Vitals program is provide objective guidance to the ecosystem on what makes a really high quality web experience for users and to let developers measure their experience regardless of the framework they use and then make their own decisions. Yeah, thank you. So we are coming to the end of our session and I want to make sure that everyone who's watching this session leaves with some next step. So I want to ask all of you, maybe we can go in order starting from Ben Galbraith over to Chris. If developers have a spare hour after the session, what should they go and look at, whether it's a feature API or article or even something else? Yeah, thanks, Yuna. And this has come up a bunch. But I'm a big UI geek. I've been building user interfaces with a variety of stacks for most of my career. And so I am beyond enthusiastic about the Rendering NG project and everything that's been unlocked through it. So I'd encourage you to look at a series of blog posts that our own Chris on this panel made about Rendering NG. And also, Yuna did a great job of talking about what she and others call this new responsive, which is rethinking how we build web UIs based on these new primitives. And I encourage you to study both her remarks earlier this morning and also broader videos and talks that she's done and others have done because there's so much that's possible on the web now from a UI perspective. And it's really exciting to see. Yeah, thank you. Yeah, and plus one to all of that, you know, that's super exciting. I would say, you know, across the content that you see here with Chrome Dev Summit, as well as everything else that you can read about the powerful capabilities that the platform has grown over the years, what I would say is like, as you reflect on, for example, the Photoshop demo that you saw before, the Kapoeng demo that was in the keynote, there's this really powerful thing that comes when we take our conventional idea of what an app is. And then we marry that to this idea of frictionless discovery and distribution through the web, through links, through URLs. And so I would without saying like a specific API, I would just say like, think about the where the web is now all of the amazing capabilities that it has across UI, across runtime performance and APIs and so on. How can we make truly special experiences that are easily shareable that bring people together? That is that is I think the thing that I am most excited about right now it's a unique strength of the strength of the web. And so I'd encourage you to think about that. Yeah. Oh, lots of things. So hard to pick one. I think if BGaulbs or Ben Galbraith is a UI geek, I'm probably a security geek. And so maybe really tactical would be to check out the issues tab on Chrome DevTools and the security panel. And it's so important to fix these issues because I think, you know, Ben Goodger talked about like evolving the platform and pushing it forward. And part of that is really making sure that we can knock it kind of held back by legacy. And part of that is really like graceful deprecation and pushing things forward. And so it's been amazing to see, for example, the push towards HTTPS adoption. And we have like an HTTPS first mode and more tools for developers to like fix those issues. But I would say check out the issues tab in DevTools security panel. And, you know, if you have no issues, then that's a very quick call to action. And if you do have issues, then maybe that gives you some things to focus on fixing and addressing. Thank you. Cool. And if you don't mind a self plug, the feature I'd like you to go check out is called content visibility. And I'm actually the one who kind of came up with and led this project. So I might be a little bit biased, but I think it's a super cool and very powerful CSS property that allows you to make it easy to help the browser only spend time rendering what's on the screen, not the size of the document. So please try it out and let me know what you think. Yeah, content visibility is definitely very cool. There's a web.dev post that I may not have written about it. So thank you so much, everyone. Thank you so much to our leadership panel here, Ben Govres, Ben Goodger, Prisa and Chris. This is definitely a very fun discussion with some of those spicy questions mixed in. And thank you, everyone, who submitted a question. We have a lot of great content for you throughout this week and the coming weeks in our virtual 2021 Chrome Dev Summit. So if your question didn't get answered, definitely sign up for some learning lounges, workshops and office hours for more one-on-one time. I'll be hosting office hours and learning lounges too. The schedule is live at developer.com.com. So thank you again, everyone, who joined me today and we'll see you online.