Felly yw'r rydyn ni'n fawr o'ch gweithio i chi'n gweithio ar yr hunach a'r gweithio ar y gweithio'r gweithio. Felly â'r dda'n ddiwrnod o'u gwneud ym Mery O'Di, yr adynnu'r gweithio'r gweithio ar IOB, ac rwy'n dechrau'n sylwys i'ch gweithio i gael eu hynny ar y prymysau a'r gweithio'r gweithio'r gweithio'n mynd i chi'n gweithio'r gweithio ar yr adynnu'r gweithio'r gweithio'r gweithio'r gweithio'r gweithio'r gweithio. Rwy'n gweld i'r IIA yw'r pethwyr i'n ddwylo i'r ffysg gydag y special o gyntaf i Carl Tananbaum, a'r gyfnodau i chi'n ddiweddol ffasgliadau ar Al Cardiol, rydyn ni'n gyfnod i'r Mornydd Nôrdd i'n gwybodaeth, Ac maen nhw'n ochr i ddod o'ch gweithio fel Lleon i'r cyflau fel Lleon i'r ddiolch yn arfer. Mae'r drosbeth Cymru ac ymddangos cyfrifio Lleon i'r cyflau'r ddiolch eich bod ymddiolch yn ei wneud i'r cyddiadol. Ymddangos i'r gweithio fel Lleon i'r cyflau. Felly mae'r gweithio'n gallu gweithio'n fyfnwyr o'r OOB, We are a recognised college of UCD offering education programs for financial services professionals and of course we are a membership organization and this year we are celebrating our 125th birthday, yes you heard that right, we are indeed older than the state. We began with over 700 members in our first year in 1898 and today we are Ireland's largest professional membership community with over 32,000 members. So as I said we are absolutely delighted to be partnering with the IIA, those of you of course will be very familiar with the work of the IIA, we very value their work both as a think tank and indeed as a convener of so many events that are so relevant to our audience and we always take very special and important points as we go to the IIA events. At IOB we've been lucky enough to host Carl previously although both of those events were online but we have a huge response to those, it's always a very popular event for us and let me just say now that the IIA are recording this event so we'll be able to see it back and of course give it a wider outing which I'm sure it will have after this event. Now you don't need me to tell you how incredible it is, how much the world has changed since we last did of Carl which was 2021, seems like a short time ago but it's so many lifetimes ago on how the world has changed. At that time we talked about the challenges and opportunities in a post pandemic environment so that's what we were focusing on. Of course nothing could have prepared us for what lay ahead, the tragic events in Ukraine which continue, no sign of abating there, soaring energy and food costs and the highest rate of inflation for many countries in over 30 years. For a financial services organisation this is a really highly uncertain and volatile operating environment and we would have said that with just that amount of information. Then of course we look at last week and we see the collapse of Silicon Valley Bank and I know Carl put a paper out on that on Friday so please go have a look at that, you'll get it through his LinkedIn also. Then of course over the weekend we had the emergency takeover of Credit Suisse and I know that some of you will have been up late in your own organisations dealing with the fallout from all of that. So what does the path ahead look like? Could there be a better time for us to be asking this question? I don't think so. So I'm very excited to hear from Carl in just a moment. After that Dan will facilitate, Dan O'Brien, chief economist with the IIA will facilitate a Q&A and I know I already have questions regardless of even the thing getting kicked off and I'm delighted to say then that we'll close with Alex White at the end who will gather for us some of the points that have been made throughout so thank you for that. So to Carl, in his role as chief economist with Northern Trust, Carl of course briefs clients and colleagues on the economy and business conditions, he prepares the bank's official economic outlook and he participates in forecast surveys. He publishes weekly commentaries and is frequently interviewed by media outlets including the Wall Street Journal, Bloomberg, New York Times and Reuters. Prior to joining Northern Trust, Carl spent four years leading the Federal Reserve's risk section. He was deeply involved in the central bank's response to the 2008 financial crisis, helped to create and conduct its stress testing programme and advised senior Federal Reserve leaders on developments in banking and the financial market. Carl is a member and past chairman of the American Bankers Association Economic Advisory Committee, the National Association for Business Economics, the Conference of Business Economists and the North American Asset Liability Management Association. He also serves on the board of Working in the Schools, a literacy organisation that supports the Chicago public school system. He holds an MBA and a BA in finance and economics from the University of Chicago and apart from all of that record, I know Carl is just a fantastic speaker and presenter. No pressure at all, Carl, but we're absolutely dying to hear from you. You're very welcome. Well, good morning. Let's try that again, shall we? Good morning. It's a bright new day. I am so delighted to see everybody, although I suspect that, like many audiences having seen me virtually and in person, you'll prefer the former from here on out. 2023 is my 40th anniversary in banking, a marker that will become more significant in just a moment. But I'm a nostalgic person, and so I was thinking back to that fateful day when I was interviewing to become part of the banking industry. As mentioned, I went to the University of Chicago, which is a liberal arts college. How many of you went to a liberal arts college? OK.  What it can also mean is that you spend four years in college and you graduate with virtually no tangible job skills whatsoever. And that was my fate, as well as the headwind of a terrible recession that we were having back then, because we had just had a rapid rise in interest rates and an inverted yield curve that was causing all kinds of financial trouble. So, it was not easy to find that first role. I did see an ad in the newspaper for an analyst at the bank, and I went to city center and had a two-hour discussion with the chap who became my boss. We talked about interest rates, the Federal Reserve, investment theory, and I thought I was giving him all the best answers. And then, at the tag end, he threw a curveball in my direction. He said, Carl, one more thing. What is three times seven? Now, did I mention that I went to a liberal arts college? When you study mathematics at a liberal arts college, you get mathematical theory. You see a lot of Greek letters. You see a lot of proofs, but your multiplication tables atrophy terribly, and that led me to panic, and I said, is it 19? They thanked me for my time, sent me along on my way. It took 40 minutes on the bus ride back to my apartment, but I finally realized I had given the wrong answer, and I was despondent. I trudged in, and Karen was waiting for me.  As of last fall, we're married 40 years, and my father-in-law still doesn't think that I'm a worthwhile individual, so we needn't have worried. And everybody was pleased when a week later I got a call and was offered the job, and tempting fate I had to ask. I said, Tom, I thought I had spoiled my opportunity at the role by giving you the wrong answer to your last question. I said, Carl, not to worry. You see, we interviewed ten economists, and you came the closest. So, but the first role that I was hired into in banking was in a new discipline that was called asset and liability management. Because interest rates had shot up with such pace, it had revealed imbalances in the composition of assets and liabilities in financial institution balance sheets. And when the yields aren't moving in sync, it can have a terribly damaging impact on profitability. And if you're not able to match cash flows on the two sides of the balance sheet, you can have liquidity troubles. Everybody with me? So this had become a new involvement. The regulators were pressing firms to get better at this. And as the last two weeks unfolded, I was wondering really how much the industry has learned about these types of problems which are age-old. So I'm going to go through some of my materials, but perhaps not all of them, because, well, frankly, I had to tear the whole thing up over the weekend, and it isn't completely reconstructed. But I think these first couple, I think, are going to be most important. And ironically, the title of aftershocks was intended to talk about the continuing recovery that we've had from the pandemic and the war in Ukraine. Little did I know that we'd have an additional shock to discuss as we get together today. So let me give you a few high-level thoughts having lived through a number of banking crises and recognizing some common patterns here. So the institutions that were front and center in the United States were Silicon Valley Bank and here in New York Credit Suisse. Let me say at the outset that the two have almost nothing in common, other than they've been in the headlines. But this illustrates something that's very important, that psychology is a terribly important feature of environments like this. And we can say that people are being irrational, but as we were mentioning before we sat down, markets can stay irrational longer than you can stay solvent, so said Keynes. And we may be in one of those intervals. So the first observation I want to make is that, yes, interest rates have gotten higher, but these have been well-previewed. And as we now know from the headlines, the Silicon Valley Bank was being criticized by its regulators as early as 2021 for its practices in this area of asset liability management, being very vulnerable to runs on the bank interest rate increases. It had plenty of time to try and extract themselves from an uncomfortable position. Instead, they doubled down, affirmed doubling its footings in this course of the last five quarters before its failure. This raises a host of questions. Where were the managers? Where were the supervisors? Where were the markets? Or whoever it was, it was supposed to be exerting discipline on the firm. Once again, in the midst of crisis, we don't have satisfactory answers to any of those. And so some fact-finding as part of the after-action review I think will be very important. But I remember Ben Bernanke saying to all of us at the Fed, especially during the darkest days, first let's fix the problem and then we'll fix the blame. So I know that the editorials have already been pointing fingers at one or the other. We just need to get the situation stabilized so that we can assess who is responsible and, if anything, what needs to be done about it. Secondly, the irony I find in Silicon Valley Bank is that it was known as a leading lender to early stage firms located in Northern California. Northern Trust has a large wealth business and we have offices not only in San Francisco, but Melisa, you don't know if you know this, we have an office in Silicon Valley. I can tell you it is not much to look at, but I am told it is the most expensive property in all of the Northern Trust empire. And mind you, we have properties in Hong Kong and Beijing and other world capitals, Zurich, which are very expensive. This is the most expensive because of the land that lies underneath it. One of the first things I did was called ahead of our operations in that area and they know the bank very, very well. The leaders were known as heroes because they were willing to stick their necks out for companies whose balance sheets weren't fully formed. And I suppose the first headlines were well, they were high flyers with technology and they fell with technology and that would be true, but not for the reasons you might expect. They did not go under because they were financing cryptocurrencies or ventures that were unstable. They failed because of a very old fashioned reason. They had a run on the bank. And the very same companies that they had financed again at the early stages were not loyal to them when the yogurt hit the fan. There is no loyalty and liquidity I guess we have found. And also they had a very concentrated base that was largely uninsured and therefore fertile for reversal anytime the news turned poor. So I know that a lot of the headlines will talk about the modernism and yes social media was certainly an ingredient that accelerated the demise. But the fundamentals that they experienced were ones that we could have seen in banking 150 years ago, not just last century. I noted about psychology. How many of you have had some behavioral science or psychology or behavioral economics? All right, very good. So at the University of Chicago they teach very classical economics. And the first thing that they threw at us when we walked into the lecture hall as freshmen was, we're going to assume that people behave rationally. I want you all to think privately about your holiday table. And if your family is anything like mine, rationality is a neighborhood that is visited only infrequently. So I had some questions about this from the very first. And over time it's clear, especially during times like this, that there isn't the highest level of analysis being applied to circumstances. Happily over the last 20 years or so, we've invited in to the economic tent people who look at behavior and have found yes we are in fact a rational but in some very predictable ways. When we are confronted with the possibility that our money is not safe after having thought it safe, that is a very upsetting notion. And whereas we had anchored, and it's a term from psychology that we've anchored on a certain set of facts, if we have to pull up that anchor, it's a very confusing and upsetting process. And then trying to get the anchor into the new spot, you want to make sure that's really in the firm seabed. Rumor is traveling faster than fact and sometimes human beings during times like this rush to judgments. We'll take a complicated problem such as what other banks are out there like Credit Suisse or Silicon Valley Bank. And instead of doing a nuanced analysis, we'll say okay well who else has lots of deposits above the insurance ceiling or who else has been in the headlines and all of a sudden there's guilt by associations. Everybody with me. This kind of heuristic behavior can go on for a long time before you can calm people down. So let's just be aware that while things are a little more settled seemingly this morning, that this could fly off the handle again before it finally settles down. Next, if there's a benefit of having gone through so many crises, many enlarged during the course of the last 15 years, it's that we have learned how to deal with them. And the playbook that central banks and governments have for trying to restore order in financial markets is a lot more well populated than it was in 2007. We know that extending broader insurance to deposits can help keep them in place. We know that lending against good collateral in an aggressive way by the central bank can buy time and forestall the failure of organizations and markets. The correct public statements and more importantly international collaboration because of the global banking markets that we're in is essentially critical. You saw over the weekend that the swap lines between central banks first established in 2008 have been renewed as they have at periodic intervals during times of financial stress because so many of the large banks here in Ireland and Europe in the United States do business all over. And they will need liquidity that's denominated in a variety of different currencies in order to survive. Is everybody with me? So the collaboration that's been built since 2008 among central banks is a strength that's been drawn on here. We may need to go a little bit further than we have already. I'm certainly hoping that we don't. But if we do, there's certainly levels above the policy support that have been given that we can turn to in the hope that this ends up being a tempest and a teapot and not a broader financial crisis. And then finally I have to say going into Friday I was much more concerned about Europe than I was the United States. Credit Suisse is an organization that has been failing in slow motion for five years. And by the way, does anybody here work for Credit Suisse? I should have asked beforehand. And by the way, the views I'm expressing today are my own and not necessarily those of Northern Trust Company. But I think it's been in the headlines. Almost any time you have a section of finance that is causing problems, you find that Credit Suisse is involved with it. Family offices, private equity, they just have not covered themselves with glory. So the supervisors have been finding a way to try and manage through that crisis. And in a sense this may have given the motivation and the means to do what needed to be done. The resolution reached over the weekend is certainly not very friendly to Credit Suisse shareholders. But ultimately what might emerge is a much stronger organization that has much better risk management and compliance practices. I was also worried because Switzerland is a small country with two very large banks. So their central bank is probably not large enough on its own to provide the needed support should that sad episode have gone much further. So at least the outlines of what's been agreed, while painful to some, are probably very good for the broad market. And I'm hoping that we don't see a next man-up sort of contagion as investors look at other European banks and wonder if they're in for the same fate. Now the next thing I want to touch on, this may be one of the last, is that all of this happened during an interval of crucial central bank meetings. How many of you have worked for central banks? I'm sure quite a few. I was only there for four years and my partners at Northern Trust still think that I caused the financial crisis. You want to talk about heuristics. They say, well, gee Carl, you went there in 2008. But for the 11th time, Melissa, I was there to help shore things up. I was doing my best. And often I was the only person that had actually worked in a bank that was in those rooms where decisions were being made on the basis of what banks do or don't do. Before I left the Fed, I gave a presentation to the effect that what supervisors think they know about banks and what banks think they know about supervisors is mostly wrong. And so when I went back to Northern Trust, I've tried to stay balanced between the two. But financial stability is essential for economic performance. I'll say that again. Financial stability is essential for economic performance. So whatever other goals the central bank has for inflation or employment or currency and mandates vary around the world, none of that's possible if the financial markets are in a state of volatility. So usually that is handled quietly. Usually that is handled with what central bankers refer to as macro prudential approaches. Primarily the supervision of individual firms and occasionally markets in which they interact with one another. But at times like this where the threat from the banking sector could feed over into the general economy, this has to become a consideration. Among those groups are setting interest rates in the various countries. Because if in fact this becomes something that could put the economy into recession, it has to be considered by markets. During the course of just the last week plus, you'll see what markets have thought about policy for the European Central Bank and the upper left panel. If I were to show you the maps for the Bank of England and the Federal Reserve, both of which will be meeting this week. The re-evaluation of the landscape that they'll be working with and how they might react to it with interest rates has undergone a seismic change. Madam Lagarde had promised us 50 basis points and that's what she gave us. Along with a paragraph that's not a potential for financial instability. But I think that the markets are assuming that what we've just been through, even if it's curtailed today, is going to be a headwind for economic activity. Because even though most banks have survived, they're likely to be much more conservative in the way that they operate. They'll probably be asked to hold on to more liquidity, which means that there will be less money going out into the economy for lending. They'll probably be spending quite a bit more time with their supervisors, which I can tell you that bankers love doing. I mean, we roll out the red carpet for our supervisors. There's fresh coffee. There's the pastries from Valentino's that they're just top notch. In any event, that is going to take their eye off the ball and make it a little bit more difficult to provide the credit that may be needed during the challenging next several quarters. And this is captured in the chart in the lower left. Whenever bank share prices are under stress, they tend to get more conservative. And I think it's fair to say that at the moment, bank share prices are still under a little bit of stress. Now, the hard thing is with inflation still higher than we like it. How do you operate as a central bank? Do you take your foot off the break a little bit to allow for the possibility, knowing that that could allow inflation to become even more deeply embedded than it is already? Or do you plough ahead and risk upsetting the markets, upsetting the banking system? And so I would hate to be a policymaker just at the moment. Personally, I think the Bank of England is going to hold. I think the Fed will probably increase rates by 25 basis points, but I think the discussions around both of those decisions is going to be active. And I would not rule out that there would be a dissent at one or both of those meetings in light of the circumstances. So, just to conclude on the crisis, I think there is a great deal to discuss and talk about their angles that are apparent and some that may emerge in the coming days and weeks that will certainly want to be cognizant of. In light of all of this, I'm probably not going to say much, and I was all prepared to talk about inflation, which is on the way down, but potentially not as fast as we would like. Europe has it much worse than we do in the United States, which isn't easy, primarily because of two things. Number one, the sourcing of food is much more dependent on Eastern Europe than it is in the United States. How many of you shop regularly for groceries? Every aisle is a new depth of pain, isn't it? And I know that we can do some substitution as consumers always do to get away from the worst of it, but it's kind of hard. I mean, there's only so many things you can do with dried beans, and only so often that you should probably eat them. But I joke about a serious subject because the other thing that I think is critical, and I hope I have this here somewhere, is that unlike the United States, we have a situation in Europe where each movement in interest rates has a very direct impact on those of you who own homes. In America, we're the only country that has a 30-year fixed-rate mortgage that can be refinanced downward without cost at any time, a vestige of the depression. Here in Europe, the mortgage model is much more likely to be variable in rate or require refinancing at regular intervals a year or two years. So as central banks raise their rates, it has had a multiplicative effect on monthly payments. How many of you have seen your payments double or worse? See, nobody wants to admit this. How many of you have a friend that has seen your payments double or worse? And it varies from country to country as shown here, but having spent last week in the United Kingdom, this is a very painful thing for them. And so, as we think about central bank policy and inflation, you have to say, ask yourself how impactful is all of this being on the average household, and I would say in Europe it's been much more powerful than it has been in the United States. We may never... Oh, one other thing. And this is where I'll pause and we can take your questions. But the rising interest rate environment is making societies very uncomfortable. We shouldn't forget that as recently as what was it, 18 months ago, still about one-third of the sovereign debt in the world was trading at negative interest rates. Doesn't that seem like forever? So let's think about that. Governments were paying their... their citizens or citizens were paying their governments for the privilege of keeping their money safe. Having a bigger deficit actually was better for fiscal policy. Today we have rates that are in positive territory and it's causing a lot of friction in governments because debt has expanded tremendously since the pandemic.  How many of you like a scary movie every now and then? Like a little fright? If you want a scary movie, go to YouTube, get some organ music and a minor key and read your national budget report. Because of demographics, because of inflation, the cost of providing service to a population is going up rather quickly. And as a result, if you don't want higher taxes and low taxes have been the hallmark here in Ireland of lowering business here, you're going to have to figure out how to get the... And every time that I go to a national capital, and I know Melissa, you were in Washington, isn't that a strange place? So I'm just a simple fella from the middle of the United States. I'm born and raised in Chicago. And so things have to make sense to us. But when I go to Washington or some other national capitals, it's almost like you go into one of those halls of the Funhouse Mirrors. And everything gets warped. Everything you think you understood, no, no, no, you're thinking about it the wrong way. We can cut taxes, we can spend all we want, and the budget will balance over time. You know, the arithmetic that I was taught in third grade does not apply in national parliaments. And what scares me is that people truly believe this. And so we're going to have fiscal friction around the world. And one of the things that we're watching very closely, obviously, is later this summer in the United States, we're going to run into the debt ceiling. And it's feeling to me like we're going to run into it at about 40 miles an hour with repercussions in global markets. So in any event, I realize just now that I probably haven't given you that much that's uplifting, but better to be aware of what's coming around the corner than not. With that, let's take your questions, have a chat.


what's up guys takedown here with a very interesting video i'm really excited to see this go forward and it has been confirmed and that is the ksi versus logan paul boxing fights that is going to be taking place i believe august 25th it has been confirmed there's been speculation that that was going to be ksi's opponents i did make a video saying that it's likely going to be him but i made a video and i explained of who i'd like to see him face i'm happy that it's logan paul logan paul is bigger than him but i think ksi has it now they did sign a contract um ksi was training in uh floyd mayweather's gym and logan paul caught him sitting and made some remarks of you're not actually training you're just sitting there on your phone well in my opinion you're not going to be training the entire time there is time you're going to be taking a break especially if you're a trainer because his trainer wasn't even there at the time which i thought was hilarious but uh whenever they did sign they managed to make a contract and sign it logan paul did not want to wear headgear he thought that was ridiculous ksi said that's mandatory and whenever logan paul signed it in a hurry he didn't notice that it said that so he's disappointed that they have to wear headgear but my opinion they're not professional whatsoever it's stated to be a bigger than the weller versus ksi and the biggest uh white glove fight in the history like the ksi one was as well um the ksi versus weller one i mean but it's supposed to be the biggest one but they're not professionals in any way logan paul doesn't have training to be a boxer ksi only had the four months leading up to the weller fight they're not professional so in my opinion they shouldn't have to wear or sorry they should have to wear headgear when they're not professional i think it is something smart on ksi's behalf um i do think ksi is going to win regardless but can you imagine going and not being experienced and not wearing uh gear or anything and getting your ass kicked and that'd be a reason to get like you'd got your ass kicks because you don't know how to take uh the punches right with headgear it's a little bit better i would just assume but to me i think it was a great decision for them to wear headgear the second thing is location where's the fight going to be taking place we know it's going to be august 25th but ksi said it's going to be in london logan paul says it's going to be in the state he's thinking vegas vegas would be would bring more money in my opinion but ksi is the champ to me it should be up to ksi shouldn't be up to uh logan paul at all should be up to ksi i strongly believe that so i'd like to see it in london but it's to me vegas would be more money and now that they are have decided that it's going to be 50 50 um split even no matter who wins 50 50 i think it's going to be interesting ksi or logan paul said to ksi that his people weren't saying it's going to be 50 50 ksi said it should be 50 50 honestly i would believe ksi over logan paul for this situation i just i don't trust logan paul for some of the stuff he says and i don't know to me he just shows a lot of ignorance and i do know why his people wanted him to do and choose this fight and to get it lined up is because back in january whenever he had the problems with youtube whenever he caused and i can go into detail about that so i already explained that but i think this is something that they can rebound from and i think that's why his legal team wanted him to do this so bad because i think he can rebound from it but do i think he's gonna win i don't know i would love to see ksi win i would love to see him retain the youtube boxing championship problem is i think if logan paul wins i don't think ksi is going to get a rematch and to me that is such a piss off but i i don't know it's just i don't feel like logan paul would give ksi a rematch i think he's going to say you lost fair and square you're not getting a rematch to me that's not right but it is what it is i guess it's not an official league or anything so there is no rules behind it but i don't know it'd be interesting to see it's going to be interesting the months leading up to it seeing both the fighters the youtubers train logan paul already had his own gym in his house in his new mansion ksi has stuff now but that's from the weather fight so he's been training already but it's going to be interesting to see what happens leading up to the fight it's going to be interesting to see the outcome of the fight logan paul is a little bit taller logan paul is a little bit more aggressive than weller but i think ksi ksi i really hope ksi beats him i used to watch logan paul's videos more than ksi i never watched ksi's videos until after the weller versus ksi fight but i can watch his videos more and be more into ksi's videos than logan paul's logan paul's i watched once in a while but they're hit or miss they're not interesting to me they're put on for younger kids in my opinion and ksi it's for pretty much anybody at least that's my thoughts but comment down below who you think will win this fight it has been confirmed i was not expecting it to be confirmed i was expecting it to go south i didn't think this fight they'd actually be able to write out uh details and decide what is what but it's going to be interesting to see coming forward so comment down below who you think will win and i believe that uh dj or dg or i can't remember his name ksi his little brother is facing um jake paul in that fight personally i think jake paul is going to win just because degi doesn't have too much experience at all and he's a smaller build kind of like ksi versus weller i'm pretty sure jake paul is going to win i hate saying it but i just i strongly feel like that's going to happen but it is what it is comment down below who you think is going to win and who would you like to see in the future fight the winner of this match then again if ksi loses i would like to see a rematch but there's a couple other youtubers i like to see them go up against we shall see but i'll leave this video here please take care leave a like if you did like this video i'm going to be making more videos like this in the future and as always i will see you guys in the next video please take care peace


Who is the 10th man? The 10th man is the one man out of every 10 persons in your community who needs or will need psychiatric help. If he goes to the mental hospital which is supported by your community, what is done for him? Ladies and gentlemen, this is Ralph Bellamy. You're listening to On Wings of Clay, a story about a pioneering profession that of occupational therapy. Now, by this time everybody knows that occupational therapy is an activity, mental or physical, prescribed by a physician for its healing value. We first heard of it during World War I, and it's now proven itself a valuable tool of medicine. That's what the textbooks say. But let's not overlook another fascinating aspect of this profession, the human side. The best way to tell you about that is with a story. So we'll begin. Good morning, Mr. Wells. Oh, hello there, Miss Brandon. Say, can I help you with those cans? Oh, would you please? They're pretty heavy. Boy, I'll say they are. Well, where do you want them? Ah, let's put them over there on that big table in the day room. Okay. There. Well, what is the Occupational Therapy Department up its sleeve today? You'll find out. Oh, this is the first time I've set up shop in this ward, isn't it? Yeah, I guess it is. But we've sent patients from here down to your class, and we get books from the library, but many of these patients have much of an interest in reading. Well, that's why Dr. Lewis wants to try some occupational therapy with those very depressed patients, especially those who can't be moved off the ward. Well, we have them here, all right. Look at them, all sitting around with their heads in their hands, not interested in anything. We'll try to get them interested in clay modeling. Say, I've always wanted to try that myself. Maybe I can use you for bait. Bait? When the patients see that you're enjoying yourself, they'll want to join you. Sit down. It sounds like fun, but you'd better not let the supervisor catch me. Well, we're doing all right, Ms. Brandon. There are nine patients at that table out there in the day room, and they're all busier than bees. Good. Of course, they're just playing with the clay, but we'll try to get them interested in something constructive soon. It's going to be pretty difficult with some of them. Mr. Fuller, for example. Fuller? Who's he? Look out there in the day room. Did his chair turn toward the wall? Oh, yes.  I wonder. Mr.  I don't think he'd even notice it. Well, let's try it. What can we lose? Here's a lump of clay, Mr. Fuller. I'll just put it in your hands. Now let's leave him alone for a few minutes and see what he does about it. Just as long as he doesn't think it's taffy he needed. Look, he's handling it. He's rolling it into a ball. That's a funny one. I wonder what he'll do with it. Hard to say. He'll probably keep rolling it between his hands that way. That's about as much as we can expect for now, but it's a start. Well, Ms. Brandon, the clay modelers are ready and waiting for you today. They remembered all right. Fine. Now, today, instead of putting the clay into Mr. Fuller's hands, let's put it on that little table, the one to his left. Let's see if he's interested enough to turn around and reach for it. Okay, I'll try it. Oh, let's see. No. He wants it right in his hands. Looks like that fellow wants service. He sees it. Look, he's turning his chair around, reaching for the clay. He's interested, all right. Sam Fuller's chair stayed turned around. He now sat facing the ward, one step toward getting him interested in facing the world again. It was only a matter of days before he joined the other patients at the big table in the day room. But most important of all, Sam Fuller was talking. Miss... Miss... Oh, yes, Mr. Fuller? More clay, please. Well, of course. Here, help yourself. Thanks. Did you see Mr. Watkins, Scotty? Oh, it's really a first-rate job. Would you like to try one? No, I... I think I'll just make these. It's all right, isn't it? Crosses? Oh, yes, of course it's all right. They're very well-made crosses. Say, has that Fuller guy got some kind of religious mania? You mean because he makes all those crosses? Yeah. Have you told Dr. Lewis about it? Yes, in my report. He was quite interested. He said the cross was a symbol of suffering, and Mr. Fuller meant those crosses to symbolize his suffering. Oh? Yes. Dr. Lewis thinks it may help Mr. Fuller if he can express some of his feelings in clay. It's better than keeping everything pent up inside of him. Dr. Lewis said yesterday he was going to find some time to give him some psychiatric interviews now that he's started to talk again. It's such a thrill when a patient begins to improve with occupational therapy. Yet there are hundreds in this hospital like Mr. Fuller, whom we can't reach because we don't have enough occupational therapists to go around. Well, there must be more to this artsy craftsy stuff than meets the eye. From here on in, Sam Fuller's progress was slow, but steady. He gave up the crosses one day and started making pots and vases. In fact, he seemed so interested that Miss Brandon recommended him for the ceramics group, where he learned about glazing and firing. And several months later... You know, Mr. Fuller, if you hadn't warmed up to working with clay, I was going to suggest that you join my rug-making class. Oh, the rug-making stuff's all right, but this is for me. I'm glad you like it so much. Have you thought of keeping on with it after you leave here? After I leave here? No, I haven't been thinking much about that. Well, you've been transferred to a convalescent ward. It won't be long now. So you ought to give some thought to the future. My future? Oh, yes, you have one, you know. It's getting brighter all the time. Remember when you first started working with clay? Mm-hmm. I made crosses. I know why I did that now. Before that, you were content to roll the clay into balls, but now, where is your latest project, by the way? Right here. You've got a wet cloth on it. There's still some finishing touches needed before it goes into the kiln. There she is. My eagle. It's very good. Rather odd pose for an eagle, though, isn't it? Sitting on a perch with its wings folded and head down. But it's very well done. I like it. When are you going to finish it? Oh, one of these days. One of these days. Say, Miss Brandon, I hear one of your prized pupils has graduated. Oh, yes. Funny he didn't say goodbye to you. You had a lot to do with his getting well. Oh, that's all right. The main thing is that he has gotten well. Yeah, it's nice to see him recover enough to go home. Funny. What's that, Miss Brandon? I was in a ceramic shop this morning. His eagle was still there. I guess he didn't want to take it with him. Oh, you know how it is. A relative comes and signs a paper and off they go. They forget. But he was so interested in making things with clay. Oh, well, I hope he makes out all right. You're allowed to receive ex-patients as visitors in your office, Miss Brandon? Of course.  Let me see how long has it been? More than six months. How's the clay shop? Doing very well, thank you. But how are you doing? Oh, fine. I'm working now. I have got a good job. That's wonderful. Where? In a pottery factory near my hometown. So you're making pottery. Well, we're very pleased to have been able to help you find a new career. I was a little worried. I must admit, when you went away and left that eagle unfinished, I thought the pressure... Oh, that reminds me. I have a present for you. Oh, how nice. What is it? There. Ah. Made this at home. Why is it an eagle? A perfect little statue of an eagle that is so different from that other one. The one I left behind? Yeah, he was a pretty sad article. That one had its wings. Folded and its head down. This one has so much life, his wings outstretched, and he seems to be flying straight into the sun. That's the way I tried to make him. Full of life and free. Like you feel now, Mr. Fuller? I hadn't thought of it that way, but that's right. I guess the eagle's mean, Miss Brandon. The new Sam Fuller. I'm glad, Mr. Fuller. Oh, but I guess I'm just one more case history to you, Miss Brandon. You see things like this happening often. They could happen much more often than they do. There are hundreds here waiting for us to put the clay and tools into their hands. They've been waiting a long time. Well, can't you help them as you did me? No. There are too many of them and too few of us. Those hands are still empty. Like Sam Fuller, many patients have found a new and worthwhile life's work through occupational therapy. And many patients, not only mental ones, have been grateful for the helping hand extended to them through this kind of rehabilitation. Many a doctor has been grateful for this method of treatment, which enables him to build self-confidence in his patients. The need for more occupational therapy in our hospitals is great. The demand for trained workers in this field is far greater than the present supply. What is the occupational therapy situation like in your hospitals? It's your duty and your right to know. You have just heard Ralph Bellamy as narrator in On Wings of Clay, produced by the National Mental Health Foundation and presented through the cooperation of other organizations dedicated to conserving mental health.


Bismillahirrahmanirrahim. As-salamu alaikum. Today we are going to talk about ethics and inclusivity. Let's see what is ethics. Ethics is basically a branch of philosophy that deals with the questions of good and bad, right and wrong, justice versus crime, virtue versus vice and all the other related matters. Ethics is basically concerned with the moral values and principles that actually guides human actions and decency. What is inclusivity? Inclusivity is basically a practice or a policy that requires access to equal opportunities and resources for the people who have been excluded or marginalized on the basis of their cultural differences, their ethnicity, race, gender or creed. It is basically a mindset that welcomes and embraces diversity. Now we will see what is inclusivity in ethics. Inclusive ethics deals with two ideas that is a part of our everyday morality. The first one is that we have a moral reason to do good for other human beings and the justice requires the equal distribution of these benefits for everyone. Basically inclusivity is a philosophy that urges schools, organizations or neighborhood to welcome everyone disregarding their differences. The core belief of this inclusivity is that everyone is welcomed, diversity is valued and we can learn from each one of us. Now we will see what are the ethics of diversity and inclusion. Diversity and inclusivity in workplace actually strives to provide equal opportunities for the people who belongs to different social economic backgrounds and to make them feel comfortable working in any organization. Ethics, diversity and inclusion are three concepts that are related with each other to provide equal opportunity for everyone and fair treatment for the people who have been treated or discriminated or marginalized on the basis of their ethnicity, culture, race or their gender. It further promotes providing equal opportunities for the employees or for the prospective employees to be hired or to be promoted on the basis of the merit rather than their race, gender or creed. Diversity and inclusivity are the core components of any organization ethical framework because it should have to be shown in their policy, in their trainings and in their initiatives. There are five basic key components of diversity since we are working in a global world where people who belongs to different cultural backgrounds work together. So when we are working in an environment, there are people belongs to different ethnic backgrounds. What we need to do is that we have cultural diversity, then we can have racial diversity in an organization, then we also have gender diversity and working in an environment, we need to address all these diverse factors where people who have diverse interests and then we have people who have different intellectual abilities. So we have to cater each and everyone in an organization and catering all these factors of diversity. Now we will see what is ethics in a workplace. Ethics are the values and the principles that guides individuals and organizations. It is basically a moral code that governs the behaviors of employees in respect to what is right and what is wrong regarding making decisions and conduct. Ethical behavior actually determines how an organization and its environment is positive. It builds trust and it also gives a very positive outlook of an organization. We can say that ethical behavior in any workplace are founded on the moral compass of the company. These ethical behaviors are moral values, principles and the culture of organization that determines the action inside or outside of the organization. Now we will see that there are various benefits of working in a diverse environment. The first one is that it fosters creativity and it encourages various perspectives. It also helps making informed decision because when you have a diverse workforce, people who belongs to different intellectual capabilities, who belongs to different cultural backgrounds, they come together, they work together, it helps promote good team relations. It also helps bringing innovation and it brings awareness towards other cultures. Apart from this, working in a diverse environment helps you to bring creative solutions to the problems and it also fosters empathy and compassion among colleagues and it gives job satisfaction to the employers and it also creates a very positive outlook of the organization. In order to conclude what we have gone so far, we can say that ethics, inclusivity and diversity are very important factors right now because we are working in a global world. We need to cater each and everyone who is around us. We need to address everyone respectfully and to address their cultural beliefs and their values. So these components are very important to be included in any organization's work environment.


Was there an emphasis there, at least early on, to get some shots down the field? And Tampa, I think, statistically, is 30-second rating past defense. Right, yeah, that's definitely something we're talking about, trying to put the ball over the defense head, especially towards the second half when we thought they were kind of sitting on us. But like I said, we just kept pounding the way, trusting our philosophy of the things we believed in. And we did a good job of coming out with the win. Yeah, so it gets you to 4-4 in that 2-0 over the last couple of weeks. You're going to have to treat it as all right. We're on a two-game win streak now and treating it as. Yeah, Coach Reyes kind of hit on that before the game, kind of the start of a new season for us, so that the mid-way point. So we just wanted to come out here and focus on this game, not worry about what happened last week or not worry about the week after this one. But obviously, we wanted to carry that momentum, get the win last week and try to translate that to this week.


I love you. I love you. Just in case you didn't know. I do. Oh, yeah, I'd have your screen turned purple on you. Did it? Yeah, did it? I'm pulling a zoom on you. No, not really, did it? Yeah, half your screen was purple. Oh, for goodness sake.  That's, that's happening too often now. That's going to be an issue if that carries on. So, welcome back to everybody who's joining us for Global Predictions, NYDP Global Predictions with me and Alli. And if you want to question us to look into a question, type it in capital letters. Shall I put a little banner up saying that? That's a good idea, I think. I'm next to entertainment purposes, I mean. OK, so I'm in my bedroom. I'm leaning up against some pillows. My back was hurting a little, so I'm in the bedroom laying in bed with my electric blanket on. It's cold here in Florida. I've got an electric blanket on. Predictions, please. Put them in capitals. Always capitals, is it capital, A-L or capital? Yes, capital. Capital is like the capital of a comf tree, and that's O-L, isn't it? Yes, yes. And A-L, no. Always get those mixed up. I don't know why. Is that OK, my love? Yeah. Please, please, please share. If you want to ask a question for global predictions, please put them in capitals. And Brian's got the right idea. He's got the first question on. Actually, it'll be the second question, because we're going to look into Trump first. Yes, of course. We'll be excited. But that'll be number two up, but yeah. Yeah, because we have looked at it already, but we'll, yeah. Thank you, La. It's been a long time. Oh, good to see you. And Jillian was a lovely lady that I interviewed. So if anybody wants to have a wonderful Reiki treatment or a reading with Jillian, highly recommend her. So yeah. And hey, Joyce. Superman. That's one of the songs that I sing that song. I'm karaoke Eminem's. Yeah. Yeah. Oh, God, it's on YouTube somewhere. Is it? Yeah. I want to see it now. No, you don't. Yeah, I do. No, you don't. I do. And on the N5D YouTube channel, I'll tell you that. There's nothing that you could do that would make me.  Sorry, guys, sorry. Eminem's a rapper. You know that. So I'm rapping this song. I know. OK. Yeah. I do. I know Eminem. Anyone knows me? I'm a hard rocker, you know? So it's like totally not my genre, but. Stroke, stroke, country, country singer now. Yeah. Yeah. Ah. Melea says your makeup is beautiful. Thank you. I just topped it up. Thank you. As is the rest of her. Oh, you're wonderful. Thank you. I love experimenting. Unique, highly recommended. Unique with our lovely Jody Abatello. So if you like unique makeup, that's what I use. Yeah. We're watching from Virginia. Oh, hi, Kim. And on Facebook. Look at that dog. Is that a wolf? That looks like a wolf, doesn't it, that dog? Big puppy dog. Yeah. Gorgeous. Yeah. Hello, Maureen. Glad you can make it. Hi, Maureen. Hi, Maureen. Hey, here's another question. Do you think the Putin war is him trying to stop the corruption of the USA? Yeah. I'm not sure. Do you understand that question? Yeah, we've already answered this many times. Putin is trying to help the war in the USA, isn't he, by getting rid of the corruption in Ukraine? Yeah, we've seen him as definitely a light worker. Yeah. Yeah. We don't know if it's the original. Well, hi to Lilith. And? Hi, Lilith. UN Global Warning on Climate. What's the question? Do you see a question in that? Well, for some people, when doing these things, Steve, you would pick.  Yeah, I saw my, I didn't do anything. It just came back on. So. Yeah. So some people, can you hear me now? Yes. Yeah. Yes. For some people, they just pop pick, and then they just go into it. We like questions. Yeah. Yeah, because I'm not sure what. I don't see a question in that. I'm sorry. Hi, Natalie, new to the group. Oh, hi, Natalie. Hello, Steve. Hi. Yeah, this is our N5D weekly global predictions. So what we're looking at are questions from you guys that we will address from the tarot docs, our tarot docs. And we'll see if we can glean a little insight into what's going on. Our first one will be looking into seeing whether Trump will be indicted. Our second one will be to see if QFS is a C-B-D-C. And so if anyone has a question that you want, ask us in capital letters in the chat. And hopefully we'll get to you. Yeah. Yeah. We love you too, Brian. Brian's bought a lot of N5D quantum tie dye t-shirts. He must have a lot of sand over there. I've sent him a lot of sand, just a key sand. Thank you for supporting, you know, Greg. Yes. Each t-shirt that you buy supports N5D. So. Yeah, I appreciate that. Very grateful. Welcome back, Celia and Linda. Hi to Martha. Thank you for joining us. Yeah. Just a key. I know you are recovering, but I keep hoping to see you taking in some vitamin D on the beach every day. Yes, I've been talking about possibly going to the beach. I look healthy, but I'm drained right now. I'm tired. And my body needs that sleep to recuperate. So lesson learned. Next Tuesday, I'm definitely taking a nap before we do our shows. We'll probably only be doing this for an hour tonight. So Vera's back. That was a short one. Yeah, you're back. So there was something good happened in the Netherlands. The farmers won their battle about their land. So I don't know the ins and outs of it, but there was some good news. Vera wasn't there. So I was talking about it. Hi, Doreen. Hi, Chris. And Doreen.  I love the way that Linda said, bye, Den. Bye, Den. Yeah. What I end up doing, D, is whenever anyone orders an N5D quantum tie-dye t-shirt, I put sand in the bag. So it's not as conspicuous. If you're just sending a little white powder, vial of white powder, it's probably going to get flagged at the post office. Yeah. Thank you, Brian. He says he'll be buying more. Yeah, you must have a nice collection of Siesta key sand by now. So we sprinkle sand on all the shirts. OK, here's actually, Kim rephrased it. OK, the UN put out a new warning on climate change. What's your opinion? I didn't hear. Did you hear the new warning? Do you know what the warning is? No. No, but we can have a look and see what their agenda is at the moment. Yeah. So you must have saved her umbrella on Siesta key beach. Do you remember saving an umbrella on Siesta key beach? Oh, yeah. I guess I did. I don't know. Yeah. Oh. It wouldn't be the first one I saved. Yeah. Welcome back, Melissa. Oh, thank you. Oh, so you had online training. Oh, wonderful. I thought you went to sleep. Lovely bearer. That's good. I'm new also. Welcome, Michelle.  I am drinking water. Yes. Yeah. Yes. Thank you, Ken. The t-shirts, everybody raves about the t-shirts and how soft they are. They rave about the dreams that you have whilst wearing them. Yeah. Easy to find at n5d.net. Instead of n5d.com, just go to n5d.net. Yeah. They've started picking up, haven't they, the sales on t-shirts. I think because the weather's changing and everybody's feeling getting ready for the summer and spring. Yeah. Just milled out for you today. I got to be. Joining us on Facebook. Yeah. Martell and LA love a girl. Yeah. I can't copy that here. What was that, sound Facebook? I have to go to Facebook and take a look. So Vera's put here, the Farmers Party won with an overwhelming run over the rest. The votes were so huge, it was impossible to be flipped to those that want to keep control. So that's brilliant. Yay. Oh, I've got an echo. That was weird. Oh, LA love a girl. Thank you very much. Thank you. That's wonderful. Very thoughtful. Thank you. Yeah, I went on to Facebook and I saw what Kim posted. So we can do a screenshot of that and then we can expound on that as well. OK. Yep, that sounds good. OK. So we can get started if you want. Yeah, we've caught up with the messages, I think, haven't we? We did. We did. All right. So. So Trump is going to be the first one that we're looking at. And what we're looking at is, well, you know, well, honestly, what people were asking us and the last time Allie and I got together is Trump going to be indicted or arrested. And we said no. He wouldn't get arrested today. But as it turned out, he didn't. But is it possible? Will he get arrested? I don't know, any time in the near future. Well, time does do change. We can only kind of look at how it's facing at the moment. I sensed a little shift, but not enough to actually arrest him. Yeah. Would you like to go first? You want me to go first? Doesn't matter. Either way, I'm good either way. You go first. OK. All righty. So yeah, I'm chilled out against my, I'm laying in bed. I've got my electric blanket on in Florida of all places, right? OK. What I'm looking at here, will he get indicted? I'm seeing, man, I've seen lots of stuff going on. Obviously, there's some choices that are going to be happening and that need to be made. There's different paths. Right now, it could go one way or the other. There's a lot going on. There's a lot going on behind the scenes, is what I'm picking up on this. Also got the Eight of Swords. Imprisonment, you know, he's so it's leaning in that direction. That's what I'm seeing right now. Although the outcome, wow, yeah. Just surprised me. The outcome is fantastic, though. I think this is going to catapult him into an easy victory for running for president. People are going to rally behind this. So, you know, as much as I didn't think, I didn't think he was going to get arrested. It's looking like, yeah, he most likely will. He's at that juncture, but it's going to be a good thing. It's going to actually work in his favor. So that's what I have. What you got, baby? OK. Yeah, this surprised me, because in my higher self and everything, it's saying, no, of course he won't. And that's, I think, how it was going in the past. I do believe that was the timeline. But I do feel as if there is a change in the timeline. And it surprised me. It really has, guys, it really has. So there seems to be a younger person who has come out of the woodwork that is making something. I feel as if they're making something out of nothing. This feels as if it's something out of nothing. I feel as if he's got to defend himself. He's got to defend himself. He's had to defend himself from day one, really. It's just absolutely disgusting, really. But I do feel as if he's going to outwit the whole thing. It's like he's literally going to turn the thing around on the others. I feel that it's all a game show.  And I do feel as if this is somebody. And even if he is arrested, he's not going to be in jail.  I feel as if it's going to be sudden. It's going to be kind of like out of the blue. So there won't be any. It's going to happen on Tuesday. It's going to be none of that, you know, like if they've done it here. I do feel as if it's going to trigger a lot of people. And I do feel as if there is going to be something. Something will happen. The people will rise up. There's going to be it's going to be quite. It's going to be bedlam. For a little bit, unfortunately, you know, with people who are absolutely disgusted with this. OK. And I do feel it's like OK. So if you can imagine that even the even the sleepers or the people that have have always been behind Mr. be always been behind him are definitely turning from him. And secretly, I know that they would have voted Mr. T. OK, in the next election, they wouldn't tell anybody. It would be one of those secret votes.  You know, so it there's going to be an uproar on on on both sides. So yes, it is appearing as if there is a timeline. I do feel as if it's going to turn around and it's like the gamble will pay off. And I think that Mr. T has got all of this arranged and sorted out. I think it might be all part of the plan, the bigger plan. So, yeah, I'm very surprised. Yeah, surprise indeed. Didn't didn't expect that. No, no, I but it's kind of funny how our cards always seem generally to align with one another. Yeah. Yeah. And that's what they're saying. So it's looking like he will get arrested.  It's going to be short term. And I believe that it's going to only help to protocol him and his popularity. People will like we both said, rally around around it. It may even be that it's not an arrest. It's a questioning. You know, when he's taking in for questioning. Yeah, yeah. So it may not even be the actual arrest. But of course, the news will blow it out of proportion. Yeah, of course, they will. Absolutely. OK, so moving on. Brian Chapman is asking is QF as a CBDC quantum financial system is one financial system essential bank digital currency. So I'll go I'll go first on this. I already do some cards on it. And the sound of silence.  So, yeah, it's like it reminds me of the car. Chitty, chitty, bang, bang. You know, that that car is an old Jalopy. So is the QF as a CBDC? No, no, I'm not getting that. And what I'm what I am getting, though, is that it's actually I'm not even sure if it's going to be the QFS, but something is coming, something's coming. In place of that, and it's going to be working out in humanity's best interest. It's going to be long term sustaining and it's going to be benevolent to the planet as well. So whatever is coming, it will not be. CBDC and I know here in Florida, Ron DeSantis said, we're not having that crap here. He's not he's not allowing CBDCs here in Florida.  So, you know, it's it's like people say, make America Florida. Right. I agree with Ron, you know, nothing good will come out of a central bank digital currency. Nothing. When you when you see that, what's going to happen wherever they do implement that, like in China, you'll have a social credit score. You'll be monitored on everything. That you purchase, you can only buy so much gas can buy so much meat per week or month or whatever, eggs or whatever. And what they'll end up doing is saying you won't even get anything unless you already get, you know what, poke, poke, poke. This is for entertainment purposes only. So nothing good will come out of a central bank digital currency. But yeah, will there be something like a QFS? I don't know if it's going to be a QFS, but something is already on the way it is going to be benevolent for humanity. And it's going to be long term and sustainable. So that's what I have. Definitely not central bank digital currency. Oh, and Valerie, these are the everyday witch. Cards and they're by Deborah Blake. So yeah, I love these cards.  There's you'll see like cats on them. And they're kind of fun. They're they're fun cards. I also have the everyday witch oracle cards. And I've got a couple spell books by Deborah Blake as well. She's a high priestess in Wicca and just a beautiful woman. I went to the store where she was selling her books in upstate New York and just lovely lady and she signed my books for me. And yeah, just I love these cards. Ellie has them as well. My daughter, Brittany, has them. But yeah, everyday witch cards. That's what I have now. Yeah, you see this the banking system is just going to go anyway. It's going down. You can see it with all the banks closing. All the banks are closing, you know, it's all happening. So yeah, I mean, I just agreed. I'm really quick. I just agreed Mr. T card is bringing in the finance, the new financial system, whether it's behind the scenes or, you know, I feel as if it could be, I mean, let's face it, if Mr. T is arrested and then the financial system comes in, you know, who knows, it's like he could be out of the way. While this comes in. So it appears that he hasn't that it isn't to do with him. I know maybe, you know, the the the the the dark side, the white the dark, the dark cats are trying to manipulate their way, their game of chess. Mr. T's got his game of chess going on. And it is really hard to navigate through it all. But yeah, the new financial system coming in has is sustainable. It's breaking free of anything negative. And all I can see around the CBDC is negative, negative, negative. I don't know if it's going to be called quantum financial system. I don't know what it's going to be called. All I know is it feels really good. So yeah, that's what I see. Yeah, so. Hang on, hang on, there we go. So let's go back to where Kim was asking, putting this out here. She said the UN put out a warning on climate change, your opinion. And she posted a link and what the article says is that. It's now or never to limit global warming to one point five degree degrees.  Yeah, they've they've already proven through ice core samples that the increase in temperature was more in the past. And it always goes back, you know, there's it ebbs and flows. There's peaks and valleys. So but to look into the cards, we'll take a peek and see what they have to say and we'll take it from there. So OK. All right. OK. You know, this has been a recurring card. The chariot been seeing that in each one of my my reading so far. I also got justice again. So, you know, this is to me, this is the agenda. They're pushing that agenda. You know, they want to they want to go one direction and we're going in a different. But with, you know, Pluto and actually Aquarius starting on Thursday for a couple of months, justice is coming and it'll be rapid. And I'm seeing that, you know, this is them. This is their outcome, not ours. That they've created this imprisonment, which they thought would be for us, but it's their own. So, yeah. And this is that boomerang effect of what we're seeing with instant karma. And it's, you know, anything that's going against humanity's best interests that they're pushing on against us, man, it's boomeranging back at them faster than ever. You're going to see the same thing here. That's not going to flow. It won't flow. Not at all. That's what I have. Yeah. So I've got that they are obviously running out of money. The black hats are running out of money. And so the reason why they're pushing the climate change agenda is so that they can get some money. So the more that they push it and more that they make it kind of like, it's really bad, the more that they can push more spending on it. The other thing is that each time that they actually make a big thing of it, there's more and more people saying, I don't know, that don't seem right to me. It makes them then look into things once they go down the rabbit hole and start looking into that conspiracy. Then they start opening up and start looking into other things. I feel so actually it has the opposite effect.  You know, yeah, there's a group of people out there that do. I don't think there's many. I really don't think there's many. In fact, I think it makes people more angry or frustrated with the government and the system. So yeah, they are running out of money and this is a way of them getting in more money. And I, too, got the chariot. So I think it's going to it's going to lead to a better outcome. Actually, it is literally transparency is just coming thick and fast, you know, with everything.  You know what? I'm seeing the chariot now as that metaphor for the chess game. There's only so many moves they can do that can either do this or that. Yeah. And we already know what they're going to do. It doesn't matter what they do. We've already won. Yeah. Yeah. Yeah. I feel I feel I'm it doesn't upset me in the slightest when, you know, it just I just look at it and it's like it's laughable. And that is how other people are seeing it as well. Yes. So our next question comes from more Donna. Do you think we'll see more banks fail? I'll take the first I'll take this, if you don't mind. Hell, yeah. You know, what we're seeing with the banks is illusion anyway. It's all fiat currency. And yeah, there there's going to be a lot more that's coming. You know, but it's all in the best interest of humanity where we come out on the other side. There's no CBC. There is something in place that's coming. I think it's a gold back currency. I think I think that there's some kind of benevolent program for humanity as well. That's down the road. But yeah, right now we're no, I don't see the CBC. I see more banks failing. You know, if you if you can afford it, I wish I could. But if you could afford it, get silver, physical silver and thank me later. That's it. That's what I have. Yeah, it's the same thing here, you know. And this is the white hats are all celebrating because they're actually seeing they've been expecting this for a long time. And I think that they've been hanging on by their fingertips, these banks and they can't do it anymore because they were trying to keep up the facade. Everything's fine. Nothing to see. Keep bringing in your money. It's all fine. Of course, people are seeing these banks close and going, I want to get my money out of there. You know, and they they are they are fearful, very, very fearful. But the White House is celebrating. Yeah, this is how the black hats feel trapped, absolutely trapped. You know, the new gamble, the new the new. New financial system is going to it's like it's growing and with momentum. And I feel that, you know, we're going to start to see these new financial changes now. You know, they've been waiting for that domino to to to drop, you know, the banks as soon as they start to see that, then you'll see the next phase. But yeah, this is the dark side. This is how they're feeling, you know, the dark side. They are worried, very, very worried about their financial situation. Yeah, so they they can't do they can't do much. They can't manipulate and do as much without, you know, with unlimited resources before they had as much resources as they needed, because they just, you know, took it from the people. But I think that their credit is now no good with the new system. So yeah, I agree. You look fantastic. Wow. So do you. What? What? Yeah, I want to get by this one, Brian, because it's not in capitals. It's easy to do and forgive me if I skipped anyone else. But we please put your questions in capital letters. OK. But I don't know anything about this. So I'm going to have to leave this one to you. OK. All right. Yeah. Yeah, I got it. I already threw some cards on it. And is the true age of Aquarius when Pluto is in Aquarius? And that's a great question. I, you know, and without looking at the cards, if I had to lean one way or the other, I'd say, yeah, it probably would happen. But of course, Pluto and Aquarius, Pluto stays in Aquarius until 2040, so that's what, 17 years? I might not might not even be around by the end of Pluto and Aquarius. But I'm looking at the cards. That's what I'm saying. I'm seeing it's going to be a process. I don't see it happening immediately. With Pluto and Aquarius got the wheel fortune again. Gosh, that's that's popped up a few times. But, you know, the cards, the cards I'm looking at. Yeah, it's it's on its way. It's going to happen. I think it's going to happen during Pluto and Aquarius. But it's it's going to be. It's it's going to take a little longer than what you might think. So it's not going to happen immediately. But the outcomes right there. And it's going to be amazing when it does happen. So that's that's what I have on that. Yeah, so the chances are, yeah, some time before 2040. I would say, yeah. How exciting. Bring it. Oh, yeah. And thank you, co-create happy. For the donation. The Super Chat. Thank you. So many people I know have had some kind of serious health issue in the last month, including both of you. Do you think we've seen we've been globally zapped with something nefarious? Yes. Yeah. First card I got is Ace of Swords. Aces are yes. Yes, but I do think that they're being counteracted by the offworlders and our team. So. Yeah. Yeah. And, yeah, not only the offworlders, but Mother Earth, too. I'm picking up that she's she's helping a lot and that it only draws us closer together as family. And that that's that's what I see on that. Yeah, wouldn't it? Yeah, I agree. You know, we're in the back at the moment. You know, it's it's it's coming to coming to the end of this battle. You know, this year this year is the is the battle the end of it. And, you know, the balance is coming. You know, the temperance, the balance, you know, we've got to use our power law of attraction. You know, yeah, it might get us down, of course. But I do think that there are so many people with respiratory problems and, you know, so many people going down with that. And I I really truly believe that they're either spraying something. Don't feel as if it's in the food at the moment, but I do feel as if they are spraying something in the skies. Yeah. So, yeah. But, you know, that we are being helped.  Yeah. So, yeah, they just at the moment, let's face it, they just want more misery. They want more confusion. They want more fear. They want more upset, you know. So if you've got a slight kind of doubt, they're going to make it bigger. If you've got, you know, so you've got to keep your vibrational energy as high as possible, you know, and, you know, the times that we don't feel happy.  It's OK. Have a have an F you see K day. So it's like, make sure you're on your own doing it, though. But just everything is F, F and F. There's something about that word when it comes out, it releases something. I do. Our next question comes from Anita Gale, and she's asking in the past week, Charles Schwab and Fidelity Investments have been accused of financing Jeffrey Epstein's Island. Schwab has also had their stock plunge. With the banks, will these firms be taken out? And I will go first on this. Oh, love it. As we know in the tarot, aces are, yes, will these firms be taken out?  They may even get a temporary bailout, but none of this shit's going to work. None of this shit's going to work. And, you know, there's just abundance coming for us and poverty for them. There's nothing that they can do that's going to that it's going to be positive for them. It's going to be a horrible outcome for them, an amazing outcome for us. So, yeah, it we're going to see some amazing things happen between now and 2040, but even between now and, you know, while Pluto is temporarily in Aquarius, I think we're going to start seeing some amazing things happen. What do you have, babe? Oh, yeah. The answer is yes, it will be. Yeah, they're looking into other businesses as well that are associated with it, too. It's not just these. There is some other. I feel some of the high up people as well, they're all being exposed. Yeah. And it's like all the skittles are going to be falling now. You know, we've been waiting for action. We've been waiting to find out the truth, to find out, you know, it's like, oh, when are we going to see something? No, we know things are going on or if there's secret arrests going on. Why aren't we seeing them? It's like we'll watch this space now because this is it.  You know, the following week, there's going to be another big exposure and the next one, it'll be in different areas. Like one, it will be pharmaceuticals. The following week, it will be the finance things. Before that, it will be, you know, to do with the children trafficking. It will be everything. It will just this is what will happen.  Yeah. So, yeah, that's what I see. Oh, yeah. Bring it on. Exciting times we're living in, folks. So we're living. Miss Anthropy is asking and you can bow out on this one if you want, or you can see what the words say, but Pluto enters Aquarius on Thursday. What do you see happening for people and for world events? Now, I talked about this on Facebook, just giving my own personal opinion, but I didn't really look into the cards. And what I'm seeing in the cards is that, you know, a lot of people think, some people think that when Pluto enters Aquarius, I think in full, not necessarily in these two months that are coming up because it's going to transit back into Capricorn until the beginning of next year. And then it finally goes into Pluto, goes into Aquarius until 2040. And when that happens, as I mentioned, I think it was Brian's question, will we see the golden age happen then? Yeah, I think so sometime in that period. But in the meanwhile, there's going to be, you know, they're going to try to keep things status quo for, you know, pretty much we're going to be the last ones to know, you know, that the dollar officially died here in the United States.  They're going to collapse all over the world. But that's all part of the transition and change that's coming up. And, you know, but in the meanwhile, like I said, it's status quo. You know, they want us worried and panicking and all this, but it's all illusion. It's all illusion. So the final outcome on this is for humanity is, yeah, there's, you know, family settings, abundance, prosperity for everyone. Really good things are going to happen with Pluto in Aquarius. Boy, Pluto and Capricorn has been, man, it's like getting sucker punched and then sucker punched again and again and again. Remember back in 2008 when Pluto entered Capricorn? Right on schedule, we had all these collapses of the banks except the too big to fail slash jail jail banks and they all got bailed out. Now, had they given that money to the people instead of the banks, I think it worked out to like maybe every person would have gotten like $50,000 and talk about, you know, stirring up the economy. Why didn't they give that to the people, you know, to benefit the people? The money would have gone back into the banks anyway. They're not going to just sit on $50,000 in their home, right? They would have deposited that into the bank and then it would have gone back out into the economy. But, you know, that's not the way the global elite think.  They don't want to see us prosperous, but all that's changing. And all this negative stuff is boomeranging back at them quicker than ever. And it's going to be in hyperspeed, I think, when we get to, you know, the Pluto and Aquarius. Instant karma. You talk about you blink wrong and it's going to come back and get you. So that's what I'm saying on that. Yeah, amazing things are going to happen with Pluto and Aquarius. Exciting. Oh, yeah. You know what, here in England, about five years ago, they were asking for gold and silver. They were going to give you a good price for it. Jewelry, things like that. Did that happen in America? That all these pawn shops were asking for gold and silver. They always do here. Yeah. They made a huge thing of it. And they made it that it was going to be very profitable. For people. Yeah, there's people out here with big signs, will buy gold or will buy your silver. And they're spinning signs. Yeah, yeah, they've been doing that for years, though, over here. So, yeah. OK, so. Let's move on to our next question. It's from Leeslott. Hi, Lees. How are you doing? Are MedBeds, Hovercars and Tesla generators being produced? What do the cards say? Yes or no? Yes. I got, once again, aces are yeses and I got a yes. But they're being suppressed right now. They're being held back for some reason. But it will come out. We will see this come out in the near future. But they're suppressing everything and there's a reason for that. And I'm not sure I completely understand what that reason is. Maybe it would, you know, it would endanger somebody or a group of people or something along that line. That's what I'm picking up. If it were to be revealed right now. The timing has to be correct is what I'm picking up on this. And of course, you know, many of us are thinking, yeah, the timing was like yesterday, right? A year or five years ago, as soon as they, you know, started manufacturing them, it should have been. There's a reason that many of us don't understand right now. And I can't tell you what that reason is. But they are being produced, they are being made. And it's all a timing issue. That's what I'm getting. You know, yes, absolutely. I got the ace of ones. So it's another yes. I got the Wheel of Fortune as well with the other deck. And the Wheel of Fortune means that it's in time, that it's it isn't yet. OK. But there are going to be a lot of whistleblowers. So I do feel as if they're going to be sneaking out information and maybe even footage of these things being made. And I think that's a deliberate thing to keep us kind of going.  And it's like if you don't start to show that there is something happening, you know, you're going to have people, you're going to have civil war because people are getting sick of it. And so I feel that what's going to be happening now that my guides are saying there's been an agreement that there's going to be leaked information about all these positive things going on in the background. There's going to be a lot more leaked information. So, yeah, it will cause a bit of uproar, though, because I don't feel as if it's going to be. You know, for some people, it's going to freak them out. OK. Some of the information, leaked information, not just about the other cars and in the med beds, it's to do with other bits and pieces. So, but I do feel as if it's going to be, it there needs to be a bit more of drip fed information now. So, yeah, that's what I thought. I agree. Totally. Yeah, we got we got through all the questions. I was thinking we can wrap it up, but then a couple more came in. I say, oh, I love. Oh, of course, of course, I'm game, but I know what to. I know what's going on with you, so I think one is an opinion. This one tells how you feel about time travel. I'm all for it. I think I have time. I had a dream where I sent myself back in time to the present because the earth wasn't the global consciousness wasn't high enough. And I sent myself back in time to help raise that. And somebody said, who are you? And I said, I'm a master copy of myself. So apparently I cloned myself and sent myself back in time. Interesting, though. But, yeah, I love time travel. It's my favorite kind of movie to watch. I believe that I have time traveled in the past and that time travel is possible. What do you think? Oh, I think they're already doing it. Yeah, we were talking about this yesterday in class when we were talking about the pyramids and on the pyramids in their horror group, if they've got kind of like a spaceman, you know, with the with the helmets on, you know, the spacesuits on.  I think they're all linked with the time travel vehicles coming back. So obviously off-worlders, they don't need the landing strips, do they?  So I do think it's to do with time travel vehicles. Yeah. I love the Nazca lines. All that stuff is really. I want to fly over. That is. Oh, yeah. Yeah. OK. So this will be the last question that that we address tonight because I have to get to sleep. I am exhausted. Will there be a civil revolt? This is from Valerie. And I'm seeing it. I'm actually seeing it. But what I'm seeing, though, is it's not necessarily what you think it is. It's going to be a lot of it.  They start to stop giving their their money to them. And that collapses them. And we're going to see a lot of these companies collapsing as we take the law into our own own hands peacefully. I don't see this as being an uprise. I don't see it as being anything violent. But we take the the law into our own hands and organize as the the self-collectives and make things happen that benefit humanity instead of working against us. And these companies, they're done. They're done. Yeah. Yeah. I on one of the timelines, there is going to be. Sorry. Things happening. There is going to be something happening on one of the timelines linked with civil war and that to me feels as if it's linked with if if Trump does get arrested, I can see there being something happening with that. I don't I do feel as if it's going to be short lived and isolated. But but I do see the everything being peaceful, you know, put lots of people gathering in one place. I mean, everybody did it when in in the in the height of the big sea fiasco. You know, there were people in London, thousands and thousands of people just peacefully walking through London. And, you know, at one point there was they came outside of the number 10 Downing Street outside the Prime Minister's office and they they were throwing white roses over the fence at them. And they were each representing somebody who had passed away on their own without family with them. So they were making very, very definite statements. So I do see there will be, you know, more of those statements. You know, it's like this is we are not doing this anymore.  So but, yeah, I think the people are now getting to that point. And as the truth keeps coming out, it's like another truth and another truth and another truth. And when all those dots start to connect, and I think I don't think it's that I don't think it's the likes of us. The truth is this is going to be the new, new ones, the ones that only just opened up, opened up the new people because it's going to be an overload and a shock.   Just so it wasn't going anywhere. But you imagine the mass people, the new people waking up all together. That's where I'm seeing this big, you know, civil revolt, but peaceful, yeah. And what kind of went through my mind while you're mentioning that is that. I was wondering, is this going to make the mainstream media? Will, you know, these positive events for humanity, and I see celebration coming. I think even the mainstream media is going to be turning around here in the very near future. They won't have a voice. Well, it's going to be so blatantly obvious. Well, look at Tucker getting all the information out there about January the 6th, you know, getting all that information out there, showing all of that. So, you know, it is actually getting out there. It is, you know, it's trickling out there. But I think it's going to be coming out in full force here in the near future. So, yeah, OK, folks, we're going to wrap it up here. I got to get some sleep. But I want to thank everyone for joining us and thank you for all your questions. Amazing questions and that's fun. Addressing is, you know, we had some surprise. I had some surprises there and you never know what's going to happen. So, you know, throughout the week, if you have some ideas of, you know, maybe things that are going on in the world globally, I just jot down the question and ask us next Tuesday and we'll we'll take a look and see what we can get out of it through the tarot. Anything you want to finish up on, babe? No, no, just keep your spirits high, just keep your because we remember we are the ones that are creating our future with every intention, with every belief system, start to think about how you want this world to be. Yes, your thoughts and dreaming about it. Your thoughts are manifesting quicker than ever. So, yeah, positive. Oh, thank you, co-create, happy. Thank you. Thank you and thank you for everyone that's that's joined us and ask questions or just hang out. Or if you're watching this on the on the recorded broadcast, thank you for being part of our N5D family. So sending you all that's a love and light. Yeah, definitely. Yeah, take care, everybody. Bye, everyone. See you next week. Peace.