Hello! In this lecture, we will take a look at a comprehensive problem. We'll be working the first part of the comprehensive problem. It's broken out into these sections. We will be doing the journal entries for a month. We're going to then do the adjusting process, then we'll do the financial statements, and then we'll do the closing process. The type of company is a service company, so we will not be dealing with inventory at this time, and we'll go through the accounting cycle for a service company in this way. We're going to have the data on the left-hand side of each tab. We'll enter that data into the blue areas is where we want to indication of where the data should be implemented, and then we have our trial balance over here, and the trial balance will be formatted in order. The green accounts are going to be assets, and then we have liabilities, then we have equity, and then we have income and expenses. It's always going to be in that order. It is also reflected up here in the accounting equation, so you can see the green are added up, that's the assets, and then the liabilities are added, so liabilities and the owner's equity is added up into the blue. That is the owner's equity, and of course the assets equal the liabilities plus the owner's equity. If it's green, that means we're doing good. If we have a green zero down here, that means we're doing good. Good being that we are in balance. Why are we in balance? Well, in this trial balance, we're representing debits with basically positive numbers or non-bracketed numbers and credits with bracketed numbers. We don't have the T account in the trial balance, but we still have the balancing concept in that we can see that the debits minus the credits are zero, therefore the debits equal the credits. By doing this, we can allow ourselves to have less columns in some of the worksheets. This is a common practice to do many times, so it is good to take a look at and get used to seeing debits and credits in a few different formats. Over here, of course, we will have the debits and credits on a debit column and a credit column, but I will be representing the credits with brackets in the entire worksheet and see how that works. We then have the general ledger over here, and the general ledgers is this long kind of intimidating looking item of ledgers, but it's basically just the backup for the accounts on the trial balance. We've got the same list of accounts, same order of the assets, and then the liabilities, then the equity. So we've got cash, then accounts disabled and supplies, then prepaid rent, then prepaid insurance, office equipment, accumulated depreciation, and then we're into the liabilities, accounts payable, salaries payable, under fees, and then we're going into the equity, owner's equity draws, and then we're in the income statement revenue, and then all the expenses listed out in this way. So what we're going to do, of course, is post the journal entries here, and we're going to record the journal entries here, then we will post them to the general ledger. That will automatically post to the trial balance. We're going to do a lot of entries, a lot of repetitions, so this will become familiar as we go. First thing I want to do is actually hide some sales. We're going to learn some Excel as we go through this process as well, and basically I want to put my information into these sales here, and I would like to hide these sales just so they're out of the way and we don't have to see them and deal with them. In order to do that, I'm going to put my cursor right on the F here, so you can see the drop down click, so the whole column is highlighted, and then I'm holding down the left click, and I'm going to drag until I get to column J. I'm letting go of the left click, and then I'm going to right click in the selected area, and go down to hide. So we'll hide that selected area, so that now we can see the journal entries we're going to work in, the space we're going to put and the trial balance all in one area. All right, so the first date is 5.3, so I'm going to put that in the date area, and it says we received cash from clients for advanced payment for services that will be prepared in the future, record as under and revenue. So first thing I'll always ask through these, is cash affected? So is cash affected? Because if it is, it's the easiest account that we will get to know because cash is going to be affected more often than most other accounts. In this case, it says, yeah, cash is affected, cash is right here, says we received cash, therefore cash must be going up. So the question is, how do we make something go up? Well, the way I'm going to go through this list of questions, and I'm going to go through this list of questions in order to avoid some common pitfalls. So I do suggest going through this kind of list of questions, so that you avoid some common mistakes that will happen, and that will be, well, is cash a debit or credit balance? It's a debit, how do we know? Because it does not have brackets around it, unlike the credits that have brackets around it. How do we make something go up? We do the same thing to it as what it is. So this is a debit, we need to do the same thing to it, which would be another debit in this case. So I'm going to copy this by right-clicking the cash and copy it. I'm going to put the debit on top, so here's my date. I'm going to put the debit on top. Why? Just tradition that goes on top. Debits go on top. So I'm going to right-click, and I'm going to paste it one, two, three, just the values only. If I paste it this way, then I change the format of the cell. I just want to paint the values. Now you could just type it in there, obviously, as well. So if you just typed in cash, that works as well. But copying and pasting might be easier as we go later on. I'm in the debit column, the debit side, and we're going to put the 4,000 there. And I'm just typing the 4,000 and note that I'm not putting a comma or anything. I'm typing 4,000. I'm in the cell instead of on the cell, and then we've got to hit Enter or something in order to be off the cell. So I'm going to hit Enter, and now you can see that I'm not in the cell. Now I'm on the cell. If we debit something, then we're also going to have to credit something. So I'm going to represent credits on this worksheet with a negative. So I'm going to put a negative 4,000. Now, credits don't mean negative. They're not bad. Negative is not a negative term in this case. Negative is just how the credits are going to be represented in the worksheet so that we can use Excel in formulas to help us do some calculations. Note when we hit Enter now, it's going to change that negative sign to brackets. That's the formatting of the cell that is doing that. The worksheet is formatted to do that. If you want to know what that formatting is, it's in this section here in the formatting section. You can also right click on the item, go to Format Cells. And if you go to the numbers section, then you can see the different types of formats. And of course we are in this bracketed format rather than having the negative sign. All right, so now we just need to know what that other account will be. And you would think that if we did work that we would record the other side usually being revenue. But in this case, in this case, it says that we have not yet done the work. So therefore, we haven't yet earned the revenue. So the credit is actually going to have to go to a liability account in this case being unearned revenue. And unearned revenue, we can see right here has a credit balance represented by the fact that it has brackets around it. We already know that we're going to credit it because we had to debit cash. If we credit a credit balance account, we'll be doing the same thing to it, which will make it go up. So if we credit this account, it will make it go up. That makes sense because unearned revenue represents something that we owe in the future for something that happened in the past. What happened in the past? What happened right now? We got money. What do we owe in the future? Our service. So I'm going to go ahead and copy that. I'm going to right click and copy. I'm going to go over to C6, right click, and paste it 123. All right. Now we're going to go ahead and post this. Now we're going to have to post this to the general ledger over here. So we got to find these two accounts on the general ledger. So here's cash, for example. And we see the debit and the credit side. We see that we debited cash. I'm going to go over here in cell O. There's O nine. And I'm going to say equals. And I do highly recommend putting formulas instead of just typing the number in here. Because if you do, then if there's a mistake, it's a lot easier to go back and find that mistake. So I'm going to say equals. I'm going to point to that 4000. When we hit enter, the debit is going to go up from 2212. Enter 261. And we'll see we're out of balance here now. We're out of balance here now by 4000. That 4000 being the credit here. So we're going to have to find unearned revenue. We could make the whole sheet a little bit smaller here if we went down to the task bar. If we want to see it smaller, it's about as small as I want to go. But if we go down there, we can see a few more of these general ledger accounts in the same screen. And so if I go down here to unearned revenue, I want to be in the credit side in this case. And we're not going to put any negative signs over here. All we need is an equal sign. And then point to this balance in E six. And then if I go back over here when I hit enter, it's going to go up in the credit direction. So notice it went up. Excel sees it going up in a negative direction. But we see it as going up in a credit direction because we're dealing with debits and credits in this case. That of course puts us back in balance. We can see that 65 here is also the 65 there. We can see that the zero is back in balance here. And our equation is back in balance up here as well. So let's go back over here and make this a little bit larger once again. And go to the second item, which is going to be on five five. And it says receive cash from clients for work done in the past and recorded as accounts receivable. So the first question I was going to ask is cash affected? And once again, it says received cash. Therefore, cash is affected. Then we need to have cash go up because we received it. Therefore, cash must be going up. We ask how do we make cash go up? Well, cash has a debit balance by the fact that it does not have brackets around it. The way to make something go up is to do the same thing to it, which in this case happens to be another debit. So I'm going to right click on that. I'm going to copy it. I'm going to put my cursor over here in C8. It's C8. And I'm going to right click going to paste it 123. That's just the values only when we paste it to values only like so. Then we'll put the three one on top in the debit column. And then in the credit column, if there's only two accounts affected, we have to have an equal number of debits in credit. So we're going to put the same negative. I'm going to represent with a negative three one zero zero. And once again, when we hit enter, then it'll put those brackets around. So I'm going to hit enter. And because of the format of the cell, put bracket around it. Now if you wanted to change that cell, then you'd have to go in there and double click on it. Or you can go in there and you can go up to the formula bar up here. So this is actually what we typed in the formula bar. This is what has actually been formatted. So if you're inside the cell, just realize that you're inside the cell and it's going to act differently than if you're just on the cell. All right, so then what's going to be the credit received cash from clients for work done in the past. So once again, we might think, well, we did work, we should credit revenue. But the revenue was done in the past. And we already received we've already done the work and recorded the revenue. Therefore when we did the work, we recorded the revenue in a accounts receivable up here. So this is where the work should be coming out of this represents money that is owed to us at 3400. It has now been paid to us. Therefore this 3400 needs to go down in this case. And how do we make something go down? We do the opposite thing to it as what it is. This is a debit. Making it go down wouldn't be necessary to have a credit. We already knew that because we debited cash that there's the credit. This is the account that we will credit, which will reduce the receivable receivable will go down, which is an asset. It's a good thing people owe us money, but we would rather have the cash receivable is going to go down and the better asset of cash will go up going to right click going to copy that going to go to sell C nine right click and paste it 123 just the values only. Then we're going to go ahead and post that. So I'm going to scroll over to the general ledger. I'm going to go over enough so we see more of the general ledger and make it a little bit smaller in the task bar down here. And then we'll go to the cash here. So we're going to post this cash line to the general ledger to the cash section. And it's on the debit side. So I'm in cell 010 cell 010. And I'm going to just say equals and then point to that three one. And I do recommend using the formulas here and then saying enter cash goes from 26 one up to 29 two. That puts us out of balance because that 29 two also carries over to the trial balance. Now we need to record the other side. We're out of balance by the 3001. That's going to go to accounts receivable on the general ledger. This is called posting. So here's the accounts receivable. It's a credit. So we're going to go on the credit side. We're going to say equals and point out to this three thousand one. And that three four should go down by the three one two in this case 300. That then 300 is back on our trial balance. That's where this number is coming from. Notice you got these handy little tabs up here. You can see well that number is coming from there. That's one of the reasons formulas are handy. If you want to know where these tabs are they're in the data group and know they're in the formulas tab and then they're in the formatting auditing group and there are these two icons here. So I like to put those in the quick task bar by right clicking and putting them in to the quick add to the quick toolbar. So there we have that and we're back in balance. I'm going to make it a little bit bigger again down here and take a look at the next transaction which will be on five nine. So we paid cash for miscellaneous expense. All right. So miscellaneous expense. So the question is once again is cash affected and it is we paid cash. So in this case we paid cash. Cash must then be going down in this case. So how do we make something go down and we do the opposite thing to it. Cash is a debit balance represented by the fact that it does not have brackets around it. Therefore the opposite of a debit is a credit. So to make it go down we're going to credit cash. I'm going to right click on cash. Copy it. I'm going to put it on the bottom. So here's the date. I'm going to put it on the bottom. Why because credit's just traditionally go on the bottom. We could have an exception to that rule. It doesn't really matter as long as it's in the right column. But you know if it's an easy thing for us to have that convention of debits on top credits on the bottom we will adhere to it. If on the other hand there's a reason for us not to follow that convention then I will break with that convention if it makes the journal tree easier to read. So we're going to put the credit represented by the negative 400 and then I'm going to say enter. So now we're off the cell and we see the brackets around it. If we credit something we're also going to have to have a debit of some kind because every journal tree has to have the same amount of debits and credits. So we're going to have a 400 on top as well in the debit section. So we have the debit and the credit. The only question being what will that debit be? So pay cash for miscellaneous expense.


It's Wednesday. It's 11 o'clock. It's August the 25th, 2021. Welcome to What Now America. I'm Tim Appichell, your host. Today's title for the show is Fox News Promoted Cow D. Wormer versus vaccine. You know, on Saturday, August 21st, just recently, the FDA, the Federal Drug Administration, had to post on their Twitter account a message, a message to stop a home concocted COVID treatment, a poison, a cow and horse parasite D. Wormer product, a product that you buy at your local feed store. And this poison has been taken by many people in Alabama, in fact, 21 of them to be specific, and also caused a 70% increase in cause of the poison control center in Mississippi. So here's the message that the FDA had to post to discourage this drug called Ivermectin to be consumed by human beings. The quote is the following. You are not a horse. You are not a cow. Seriously, y'all, stop it. That was a food and drug administration, FDA, right? Yeah. I mean, Jay, I like the kind of the folksy, homesy approach because they're talking to an audience in Alabama and Mississippi. So regardless of y'all, it's ridiculous that they have to post this in the first place. But how did this come to be? I'm going to read three quotes. How did this all start? Well, let's go to Fox and their most popular show host, Tucker Carlson, Laurel Ingram and Sean Hannity. And I'm going to read three quotes because you're something called cause effect. Someone starts something and it makes an effect. And I could show direct causal relations between quotes these guys make and advice they're giving on the show and the consumption of a poison, Ivermectin. Here's what Tucker Carlson said. Benefits of a drug called Ivermectin, which can and is used around the world to treat and prevent the spread of the coronavirus. Laura Ingram, we know our FDA has failed us by not allowing hydrochloroquine or Ivermectin, both of which are used around the world to ease COVID hospitalizations and death. My favorite Sean Hannity, Ivermectin, as well as other proactive treatments and practices, which is already helping COVID-19 patients all across the country. And with that, I'm going to go to my guests. Today we have Jay Fidel and Winston Welch. Good morning. Straight to you, Jay. Jay, the FCC, the FDA, in fact, the FDA was originally created to stop quack medicine. That's kind of why they were put into place the first in the first time many, many, many decades ago to stop quack medicine and the poisoning of Americans. The FCC and the FDA, why aren't they stopping these show hosts from recommending basically what is a poison and is putting people in the hospital, at least two or three at least. When is Fox going to be held accountable for their quack medicine recommendations? There's truly two questions there. The first is why aren't they stopping them? And I'm sure that there are statutes and regulations that will permit the FDA to stop them, write a letter at least. But we haven't heard about a letter, have we? We haven't heard that aside from that Siri you all thing. I mean, imagine a government agency sending a note like that. What was their justification, you all? The justification was they were talking to people who understood the language better in that context. That's why they did that, but that's ridiculous. This is the United States. Anyway, so they didn't do anything. They could have done something. They could have at least written a letter and maybe taken them to court, but they didn't do that. So what you have is hundreds of thousands, even millions of people being exposed to a falsehood about drugs. It's snake oil or worse because it has deleterious effects on people. And already we have people in the hospital over ivermectin. So that's the one thing. And so it's right now it's unanswerable. Maybe Joe Biden doesn't have enough time to initiate or cause them to initiate action, but somebody sure should. And the other thing, and it struck me when you raised the subject in the first place, Tim, if I watch Fox News and I take this advice and I take this misinformation as true, and I have ivermectin in whatever proportions they are suggesting, all deadly, and I get sick or I die, this is not really rhetorical. Don't I have a really good lawsuit against them? This is like the lies they were putting out on the voting machines not too long ago. They know it's a lie. They have no evidence. They could never ever establish the truth of what you read there, never. And yet they know also that their loyal base believes it, acts in reliance on their credibility, and does it all to their damage and detriment. It's at least fraud and possibly it's murder if someone dies relying on that advice. So there is no excuse whatsoever here. And we should be waiting on a lawyer, representing somebody who got sick or died as a result of this horse medicine. I suppose the defense would be you should have known that something built for parasites has no effect whatsoever on viruses. It's a completely different world.  I don't think that defense is going to work. I agree. You know, here's the hypocrisy of the whole thing is that Fox as a corporation requires all their hosts to be vaccinated. And you don't see a proactive pushing of the vaccines, even though Laura Ingram, Tucker Carlson, Sean Hannity have been vaccinated. It's kind of like Donald Trump, he's been vaccinated. Yet just recently, he was pushing that concept again about hydrochloroquine. Incredible. Let me go to another point on this, Tim, and that is it's the Groundhog's Day, the movie and the phenomenon and waking up every morning and finding the same movie as playing. This also came up in the Marathon Man with Dustin Hoffman, where he thought he was out of the woods and, you know, they drove him right back to work on his teeth some more. And what you have is a repetition of the same thing that happened last year with these phony medicines coming from Trump and people believe it and they try to take it and it injures them and doesn't help them in any way whatsoever. And I find it extraordinary that they, although he has said he took the vaccine, although he has suggested in very mild terms, they take the vaccine recently. What amazes me is they still reject that and they boo him for saying that. And he still, you know, talks about these snake oil medicines. Extraordinary. It's like, you know what it's like, Tim, like they want to be lied to. These people are inviting the lie. The lie gives them comfort. It's part of their cult experience. They're not happy unless people align to them. Well, Laura Ingram actually set the stage months and months and months ago, basically trying to imply that the federal government is tamping down hydrochloroquine and tamping down ivermectin because they don't want, because it's a cheap solution.  And, you know, so we have to make sure that the pharmaceutical companies make lots of money and they wouldn't want to have a cheap and ineffective product like hydrochloroquine and ivermectin. So this cabal that this information has been suppressed by the government has led into this conspiracy that these kind of quack medicines, these poisons, were actually effective.  I got to stop because I'm going to tongue-tie myself and get off my soapbox. I'm going to go right to Winston on this one. Winston. Yes, sir. Good morning. Hey, you know, the FCC, in an unanimous decision, just announced a five million dollar fine for a group that was race-baiting in some robo-calls. A five million that the most finds that the FCC has ever imposed on anyone in history. And what also was rare, it was a unanimous decision to come up with this fine. Where is the FCC in stopping Fox News, in your opinion? It's the same question I asked Jay. But if FCC, are they starting to wake up, are starting to realize that what people say on quote, a news station, unquote, is actually causing damage and harm to the American public? Well, I don't think you're going to see the FCC cracking down on Fox News anytime soon. You know what might be interesting? I have to ask the question why, especially when they're promoting a cow and horse dewormer as an effective cure for COVID. Why? Why can't they do that? Well, I think what they're promoting is a distrust in the government and that someone's out to get you and they're not saying take two pills in the morning and call me next week. What they're saying is the government's hiding this and big farmers hiding this. So it goes into their narrative of where are the ones you can trust to bring you the truth here at the news. But Winston, let me add something that Tim said. These guys reported that everybody in the country was taking these medicines. That is simply not true. That is intended to get them to take these medicines, you know, go along with the huge crowd that's taking these medicines. They could never prove that. That's a lie. But if Tucker has a report that three people across the country were prescribed this by their veterinarian somehow who believes in all of this and they're actually taking it and he says there's people all over the country and that's three people that he had a report of somebody faxing into of taking ivermectin. And in fact, we have absolute many stories across the nation of people stripping farm supply stores of ivermectin and dosing themselves. That's why the y'all think I don't know about that.  But do you think those same people that are taking ivermectin are going to believe the very people who the conspiracy is supposedly about? I don't think so. So this is, I mean, if you're taking this stuff and you're going to the farm supply store to buy your ivermectin, Fox isn't going to put themselves in a position where they're saying take two pills and call me in the morning. If they do that, then they will be sued by someone who takes two pills in the morning and then and then calls them. So they're not doing that. It's just part of this narrative. Believe us. I mean, even when the Donald got booed in Alabama, like you were saying, maybe people want to believe in the lie, I'm not sure that's it. But but the fact that he got booed to say take the vaccine, my first thought was, I wonder if he is bought a lot of stock in Pfizer or something at this point. That's that's what the only thing that made sense to me. Because otherwise, why would he be contributing to get asking folks to get vaccinated? That that one actually didn't make sense. And he was seemed to be off point there. So that's it. That's an aside there. But as far as the SBC goes, I don't know. I mean, when we have people, when Fox really is doing such a disservice to the nation, you know, our laws are set up such that I don't think that they're required to tell the truth about anything as far as I can understand from what's been going on these last few years. And the truth is it depends on whose truth it is. Is it real truth? Is it an alternative truth? Is it specific?   The other thing about the FCC, which you didn't mention is the FCC is evenly balanced, right? Of four of them. And there's two Republicans and two Democrats. I'm not sure who the chair is. The chair has a lot of sway in that. And that was one of the things that Rachel Maddow, you know, went into yesterday when she reported on this. She said, the amazing thing, there's not only the five million dollar fine, by the way, which is not final yet. They have to go through some process to make it final, not quite final. But it's that it's that they never agree on anything. And this is a politicized issue. So the remarkable thing is, they, you know, they agreed, there were not only three votes, there were four votes. And we have to sit here really the three of us and try to figure out why they did that, why they crossed this line and became non-political on this particular issue. As for a lawyer who represents somebody who took the horse medicine and got sick, if it's not true, and they knew it's not true, and they knew, and they knew, you know, yeah, and they knew this guy, this person, the client would rely on it. That's a good lawsuit. Yeah, I would, I would think so. I'd love to be an attorney and have that one. I'd actually use it as a class action, not just an individual lawsuit. Winston, to stay on this topic, you know, Facebook and Twitter, they have, you know, they have prohibited people's accounts, Donald Trump has been one of them, for stating untruths about COVID and the nature of the virus, and its cures or treatments. Now, I know Facebook and Twitter are not the federal government, but if they can block them off, why can't the federal government take a page out of that book and start getting tough? And maybe it is, Jay, that these four people on the board for FCC, maybe they've all come to an understanding that harm is being done by false information, and these news show hosts of promoting poisons for human consumption. Well, Jay, I mean, excuse me, Winston, your thoughts about Facebook and Twitter blocking people's accounts for the very same thing and the possibility of FCC getting stronger and more, more aggressive about false reporting. Well, Facebook and Twitter are not governmental entities, and we have freedom of speech here, and Facebook has the freedom of speech in its own corporate structure to decide what it will and will not allow. I thought, what was it, for fans only, reverse themselves on not putting on X-rated content when they realize, oh, that's what everybody was going there for. So these are private companies that can decide who they want to have on their forms and they have standards that they apply on. It depends on what day of the week it is, it seems really. But I've noticed that anything with COVID now comes with any post that mentions the word COVID has a disclaimer or something on the bottom of it that says, before you share this post, notice that this is related to COVID. The facts for COVID can be found here, and I think they're basically pushing people over to the CDC website just so they have their bases covered. You can still share the information, it may be fake, it may be exactly about hypermectin, but I think they're realizing that they have some culpability here if they go ahead and allow some of these things to move forward. The robo-call thing is something different. That's something where they're going into people's homes with a call, and it's something where you're not inviting it in on your own accord. It's coming to your home with a call about whatever information. I don't agree with that. You could hang up the phone. But the Fox is where people go for America's trusted news source. This is where they are actually going to find out the real information and to find out how they're being lied to today by the government, by Anthony Fauci, by George Bush, or Bill Clinton, or Hillary, or anybody else. This is a different story, but I don't think we're going to see any action on the FCC regulating Fox at all. Now people may pull out as subscribers, but I would think that pharmaceutical companies are actually major advertisers on Fox. At the end of the day, it's on some level about getting eyes before your product. I don't know. Does Merck and Gilead and Johnson and Johnson still advertise on Fox? It's an interesting question, and if it's not... Well, maybe they should advertise that ivermectin is a poison. I mean, Merck has come out and said, don't use this. Yes, they have. It's remarkable. If you watch cable, you get ads, and you get ads for all these miracle drugs, hundreds of them all the time, every day for minutes and minutes and minutes of advertising, and they always give you the side effect, and they say, this drug can cause this, that, and the other thing and can kill you. Here's Fox reporting it as news and telling you, now it's going to help you. That's a good point. Very good point. I mean, for the record, the Food Drug Administration, by the way, thanks for that correction. It's not Federal Drug Administration. It's the Food Drug Administration. The National Institute of Health and WHO, the evolved said, ivermectin, please don't take it.  How did we get here, Jay? Going to you about Winston's point, Donald Trump is in Alabama. He's saying, I took the vaccine, take the vaccine.  How often have we seen Donald Trump booed in a red southern state about a statement he makes? What was your impression of that moment? Well, Tim and Winston, I'm here to tell you, they weren't really booing him.   So I'm telling you this. But in fact, I don't believe it. In fact, I'm really not telling you this. And so what the booing is about, it's not booing Trump. Don't you agree? It's not booing Trump. It's booing those guys who forced him to say that. It's actually agreeing with him on his previous advice to them. It's not the thing of lost confidence. Yes, that makes a lot more sense to Jay, because if you look at his actual statement, he vacillates back and forth. He says, yeah, I think you could get the vaccine, but I also understand about your freedoms. And you should have the right to have the freedom. And then the freedom, and I got the vaccine, it worked for me. It might work for you. It might not. If your freedom might work for you, it might not.  So it's a dog whistle. The whole thing is a dog whistle. Yes. Yeah, but this dog whistle unfortunately has been going on for a year and a half and Donald Trump started it. I mean, this is why this country is up in deep kimchi, because we have so many vaccine deniers. And not because they're concerned about what the vaccine is all about because of the research of FDA or the rushed emergency use of it, not because for religious reasons, not because of medical reasons, but because of their rights and freedoms. Those folks, those folks that refuse to get a vaccine that is making things very, very uncomfortable and very, very dangerous for all our hospitals across the country. Haven't they been listening to this dog whistle for a year and a half? And that's why we're at where we're at. Jay. Going to continue to listen to the dog whistle, Tim. They're committed to him. It's a cult. He's already established some kind of diverse relationship with these people, and they are going to continue to do it. Nothing that has happened has changed them at the core of the base of it. And nothing that he says now will change it. It's very strange. And, you know, we need to study social psychology more than we have to find out why people go along with something he said a year ago, and you can't pry them off that. But that's what's happening. What's the solution, Jay? We have people with strokes, heart attacks, all sorts of procedures that need to be done, but now they can't because of hospital capacity has reached its maximum levels. What do we do? I mean, what's the solution? You have to come down on them. You have to require the vaccine for everything. You have to require the mask for everything.  Although the truth is, it's unbelievable that we have hundreds of protesters in front of Josh Green, Lieutenant Governor's house, his personal condo here in Honolulu, day after day protesting that he wants to make a vaccine mandate. But I think the answer is a vaccine mandate. Enough with this. This is not so. Make the mandate. Make the mandate unmasked. Let's get through this with a mandate.  Let's arrest that person. Let's find that person. Big bucks. After a while, they'll stop. Okay. Well, you got it. There's places out on our Fair Isle where the vaccination rate is hovering in the 30% even today. Even today, with all the information that people have, obviously, they're getting different information than we are. And when you have a majority of people not vaccinated, we're leaving in an alternative reality. That idea of saying, and I agree with you, of course, that we need to say, you know, if you want to work here, if you want to shop here, if you want to enter these stores, I saw that Oregon now has even instituted a mask when you're outside and can't reasonably maneuver around people, say, on a trail. That's okay. But if you're out in the, you know, an open-air shopping mall and even here in Hawaii, we have, I was at one of our open-air shopping malls and it was mostly mask-free. And I would say the majority of them were tourists. I think the locals were by and large wearing masks. But if we're to understand what our current outbreak here in Hawaii is, which is dire, and I don't know if you saw the press conference with Mayor Balenciardi, but he looked like he'd seen a ghost. And I think what happened was probably the state health director and the CDC and whoever else they have out here came to him and said, Mayor, we know you don't want to shut down things. We understand that. But we are at 100% capacity right now. So if someone that you love has a stroke, heart attack, car accident, breaks their arm, they're not getting into the hospital. It doesn't matter which hospital you choose. There's no room at the end. And we're looking at numbers now from the latest modeling that says it's going to be five times worse here in a month or a few weeks. And so you need to immediately have activities being ceasing. So it's 10 people at an indoor venue and 25 at an outdoor venue. And when you're really looking at it, these are, there's some fear factor here that's real. And whether or not people are getting vaccinated or masked, there's certain things that they can do, which is crowd capacity controls inside of shops. And so that's what they're doing. They're doing what they can. But when you're dealing with the population, I would make it mandatory. We've had enough of this insanity. I would make it mandatory. And I put the police on the street to enforce it. And then I would arrest them and fingerprint them and find them for thousands of dollars. And after a while, this will stop any other way. It's not stopping. In my world, you guys, in my world, two people. Last question, you guys, we're running out of time. Two people in my world who had vaccines have caught COVID. Two people in the last two or three days, some of whom you may know.  It is. Last question, you guys, because we're running out of time. This week, the FDA has approved formally through their approval process the use of Pfizer vaccine. Does that shift numbers as far as increase of vaccinations on this island and this state? Question mark or in the country? Yes, yes, it does because the military mandated it the same day. So automatically you have whatever a population percentage here in the military that wasn't vaccinated and it was quite high. What about non military? What about the folks in Mississippi and Alabama that are taking? I'll take Winston's point on that. There are two streams of information going on. There's this stream of information from the CDC and the government telling him the vaccine has saved your life and you should take it.  I mean, I don't know if we really know. But there is a competing stream of information telling him to blow off the vaccine. This is very true. I just read three people on the show. It's called Laurel Ingram, Tucker Carlson and Sean Hannity. Got it. Who else has a vested interest in making sure that this country's in chaos and disarray? That's all you have to look around and as well. This could be foreign agents just as much as anything so that there's no unified front. We never had this before in this nation until a few years ago when it's just come out everywhere on every topic. If aliens landed today and started eating people, you'd probably have some people point to the other side and said, oh, they made an agreement with them. They're only eating the people that got Pfizer or didn't get Pfizer or God knows what. And I'm trying to think like what would bring people together today as back to humans. But you know what?  They're not going to ask you, do you watch Fox News or did you get your shot or did you vote for Donald Trump or Joe Biden? They're not going to say that. They're going to say, let me help you up. And at the core of our being, we need to go back to that place of our common humanity and what's good and really think about our impact on other people's lives. Like you said, Jay, even people that are getting vaccinated, we know quarter of them from the Los Angeles study are coming down with COVID. So even though they're doing the right things and we don't know what kinds of new viruses are incubating inside of people as well. So we need to absolutely get out the message that this is a moral, civic, personal and interpersonal thing. This is your parents.   We have a good solution right now, a partial solution, which is get the vaccine. It's free. It's available everywhere. They'll come to your house. They'll even give you a lollipop or a gift certificate to Jamba Juice. So I mean, it's not that hard. So we just have to appeal to common sense, common decency, common morality and ethical behavior that seems to have been like a mass amnesia, but I think it's okay. I want a last word on this. Hang on here.  I got to tell you, Winston, these comments are right on the numbers here. And given this political climate, I agree with you to a certain extent, Democrats will be blamed for aliens eating earthlings. They will be blamed for it. And if it's not Donald Trump blaming for it, it'll be somebody else. Maybe it's DeSantis or Governor Abbott. Someone will be blaming Democrats for everything. So Winston, thank you. Jay, your last words. I just want to respond to something that Winston said, too much of what Winston said, you know. So it's nice that we know what we ought to do, but there are people in this country that have not been affected by our wishes and dreams and expectations, are begging and pleading. They haven't been affected, and they're going to continue to do it. And the only way in the human condition where you can stop that is you've got to disrupt that. You've got to disturb that. I'll go back to your original point. If Fox News is lying, you've got to stop them from lying. You cannot call fire in a crowded movie theater. The First Amendment is not absolute. Somebody's got to stop them. It starts with the government. And maybe individual lawsuits as well. The other thing is you've got to make masks and vaccines mandate. And you've got to enforce the mandate. The Honolulu Police Department certainly has the time and energy to do this. It's priority number one. We cannot afford to have 2700 cases a day, which was the expectation you mentioned, Tim. It's going to wreck our society. It's an emergency. We've got to act in an emergent fashion. We can't beg and plead. We know that doesn't work. All right. We've run out of time. I'll tell you one thing, gentlemen. One of the reasons I love doing this show is because we have great, great guests, great ideas and great comments that in this brief 28 minutes, just far above none are just wonderful to hear. And I think you guys are doing a great service for all of us. So thank you very much for your thoughts, words, and time. I'm Tim Apachele, your host for What Now America. Please join us next Wednesday at 11 o'clock. And until then, Aloha. Thanks, Tim. Aloha.


Be your own bank that used to be the slogan of one of the most prominent companies in the space And in fact, I remember when I first heard that slogan and I thought yeah be your own bank awesome in hindsight Ridiculous in so many ways it represents simultaneously the aspiration the the sheer audacity of of wanting to replace institutions that have existed for centuries with protocols and I Kind of like that the sheer audacity of it. I like the idea You know like the old eunuchs t-shirt that said be nice or I'll replace you with a small script, right? but That audacity that vision contains within it a fair dose of hubris I've worked in security for more than 25 years now it was one of the first things I fell in love with in computers and It's always had this draw and as part of that I've worked with a lot of banks I've worked in a lot of financial services institutions, and I've done a lot of work around data centers and firewalls and risk policies and all of that Stuff over the past 20 years So when I hear be your own bank It kind of appeals to me among other things because I know what a bank does I Understand what that means. I understand what it involves and Of course, that's a bit of a problem because most people have no clue what a bank does And they're like, why would I want to be a bank and I don't even know what a bank does but it sounds complicated it is complicated and At the same time though There's a reason why we're coming out the door with that kind of slogan Banks as institutions represent a centralization of power That is toxic to democracies that Creates some of the most powerful monopolies and cartels we have ever seen Funny how we never use the word cartel to talk about the banking system There's the oil cartel Right as the drug cartel But nobody really says especially not in the media about the banking cartel yet It's the biggest damn cartel out there. What does it mean to be a cartel? It means to have Exorbitant monopoly power that you can use to influence politics to close down markets the stifle competition At the same time banking as an institution is something that liberated humanity at first Think about it in The 16th century the only person who could write a check was a prince or a king Now The person writing a check is the octogenarian standing in front of you in the supermarket line Causing 20 people behind him to groan Audibly in fact the US is still one of the few countries in which people actually still write checks If you try to explain that concept in Europe people will look at you funny So a great liberating institution at first Gradually through centralization and masses power Creates monopoly conditions shuts down competition and markets and then becomes The very thing it disrupted They are the new kings They are the new royalty. They are as toxic to democracy as royalty was and So it's important to start with that Audacity that aspirational idea that we can replace the institution of banking with open protocols with open systems But don't ask users to be their own banks Because they don't know how to and we're facing this really difficult conundrum with security Security in this space is the linchpin of everything we do How do we want open blockchains and cryptocurrencies to be used I? Don't know what the specific applications will be. I do know what the killer app is People ask me well Bitcoin find its killer app It's already found its killer app. It's killer app is money It's killer app is money that is neutral open borderless censorship Resistance and not controlled by governments. That is the killer app. You don't need another killer app What you need is to make that killer app Usable by the billions of people who need that killer app and They're not in this room We don't need that killer app Sure, our democracy is suffering because of the banking cartel That's a very tenuous connection that you can't really see on a day-to-day basis The fact that you prefer to make most of your purchases by waving a piece of plastic Over a card reader does not immediately in your minds translates to I'm killing democracy slowly But in countries where they're playing the end stage of that game. It's very obvious how that plays out Where money is failing as an application? Where money has collapsed as a system of technology and they need this So how do we take this audacious idea and deliver it to everyone? Well be your own bank that promise is fraught with difficulty the fundamental premise of this system is Controlling your own money. It's decentralization. It's not using intermediaries and that means enormous power You get to not just Own an account but be a banker not because you want to be a banker But because banking isn't an institution anymore. It's an app and if you can use that app You're a banker Just like if you can use a publishing app you're a publisher and That was unthinkable a hundred years ago and today we can do that and In 20 years from now We will be able to use a banking app in such a way that all of us are bankers and banks no longer exist or At least not in the form we have today We will be able to use these open protocols But between now and then we have to address some fundamental problems and these fundamental problems have to do with security There's two completely different sides to the security industry There's the insiders and then there's everybody else So you'll go to these conferences and you'll hear a lot of conversations about quantum computing right or how people might brute force one day and reverse elliptic curve cryptography We'll talk about vulnerabilities in hardware wallets the difficulty of generating good entropy in a system the challenges of operating system security and creating trusted bootstacks that we can verify Running trusted code and what does that mean to the average end user of? cryptocurrency Blah blah blah It doesn't mean anything. It's a foreign language. It's completely irrelevant This is the fundamental challenge because if you hear all of these talks You'd think that the vast majority of theft of cryptocurrencies or loss of cryptocurrencies Happens in some mad scientist lab where quantum computers are crunching away to break 128-bit security or reverse elliptic curve when usually it's someone running Windows Who's downloaded 17 toolbars one of which is a Trojan and then decides to Use that to run a Bitcoin wallet or it's someone who put their money on a custodial exchange That they first heard of in a Google search. They did yesterday And it offered them great trading opportunities. Of course it did It's missing only one feature which is the ability to withdraw and then one day. It's not there anymore the vast majority of loss in this industry happens because of very very very simple problems Fishing of your SIM card Why would an attacker Try to build a quantum computer to reverse elliptic curve When they can hack a $12 an hour minimum wage call center Verizon employee to hand them over your sms 2-factor by porting your SIM card and If you are actually using sms 2-factor Compared to the vast majority of people out there. You are already on the cutting edge of opsec Two factors. That's a whole other factor on top of the one. I already had which was password one two three four You're cruising out there in opsec wonderland and Then suddenly it's all gone and you have no idea what you did wrong. What could you do better? So for the average user We have this incredible conundrum one of my hobbies is a pilot I fly small planes and One of the things I love about it is reading about accidents and trying to understand the risk factors in aviation You have to know What kills pilots in order to not be one of them? So I read all of these obscure reports about failures and maintenance and complex systems and the vast majority of problems are Decision decision fatigue Lack of situational awareness cascade problems. That's what causes accidents Here's what happens if you put a stack of these reports in front of the average person They're going to decide not to fly and Instead they're going to rent a car and drive from Pensacola to New Jersey Forget the fact that driving is approximately 10,000 times more dangerous Forget the fact that more than a hundred thousand people die on the streets every year because of car accidents That's the naive risk assessment. I Understand how to drive a car. I have no idea how that thing remains airborne I don't know how they maintain it I don't understand any of the risk factors and reading these reports It sounds like a death trap, so I'm going to jump into my Camry and drive to New Jersey and Even that sense of control I'm in control. I'm behind the wheel Sure, I have to dodge three texting teenagers per mile to drunks a sleepy truck driver and Dead animals over the road, but at least I'm in control and That fundamental risk miscalculation kills people The death rates in the United States Quadrupled on the roads in the few weeks after 9-11 because people stopped flying I Got on a plane the week after We do that in crypto. We do that every day in crypto People read about an obscure vulnerability in the bootloader of a treasure hardware wallet and decide well that's it I'm not using any of that shit I'm going to build my own solution Which will be a bit 38 paper wallets that I load on a Raspberry Pi I've never used any of those things before step one download a Secure operating system and install it in complete isolation from the internet How the hell do I do that? I've already failed at step one And I have no idea how to actually securely verify that what I downloaded is real and then I don't know how to use it and Not knowing how to use it is like driving from Pensacola to New Jersey in order to avoid the risk of a flight This is the exact risk calculation that happens Because the greatest enemy to security on the front end where users are operating is complexity It's not the obscure vulnerability found in one System it's not the possibility of Russian agents doing quantum computing It's the fact that you're going to forget the complex password that you put on your system and lose all of your coins It's that you Decide to install your own wallet and take control of your money And then you screenshot the seed and upload it to Dropbox Because why wouldn't you that seems kind of secure Dropbox has a password We laugh at this security experts will look at that and go Dunning Kruger effect Idiots don't know what they don't know That's the uncharitable way to put it if you read on the internet Dunning Kruger comes up a lot of the time people mocking other people for not knowing the extent of their own ignorance If you actually read the study you figure out that we all have done in Kruger. It's just sectional, right? so I Know security, and I'm fairly confident about that But on the dance floor, I think I'm a great dancer because there's no mirrors for me to see what it looks like from the other side And that's done in Kruger in action I don't know how bad it is because I am spared that knowledge Fortunately, we all have domains in which we think we know but don't and our ignorance of what we don't know makes us cocky and We take risks risks We don't even understand because we don't have enough knowledge to evaluate these risks We all suffer from Dunning Kruger in security, however It's fatal in Security, it's what's going to cost you your funds. You don't know The risks you can't evaluate and then you make poor risks choices Because you watch something on YouTube and miscalculated Let me give you a classic example I've been trying to debunk this now probably for two years people who create a mnemonic seed and Are so worried that someone is going to break into their house in a cat burglar suit in the middle of the night Steal their seed and swipe their money They don't apply the actually prescribed solution, which is a secondary passphrase that seed instead They improvise They take their 24 words. They cut them into four pieces They store each of the pieces in four different locations and they feel secure They've just taken 256-bit security and reduced it to 64 bits per piece And if you think 64-bit security is one quarter of 256 bits That's not in Kruger right there It's not it's 10 to the 50 less secure that's 10 with 50 zeros after it less secure than if you had to crack the whole thing So if I managed to get three of those pieces cracking the last one doable in fact the 64 bits of security of That one piece that I need in order to break your seed is less than a Good passphrase that you could have put on and There's no password stretching so it's gonna be a lot easier for me to crack it But that's not the real problem. The real problem isn't the fact that you don't understand exponents or complexity and You thought if I just cut it in four pieces, it's four times more secure the problem is That you just created a solution that isn't resilient Because that is a four of four system you need all four pieces Reconstructed in perfect order in order to get your seed back You lose one word on one of those pieces You're in trouble and need some help if you lose one of those pieces good luck finding someone to help you crack it Without stealing it if you lose two you're done So you don't realize the risk you've actually exposed yourself to which is loss in order to protect a risk that really you weren't facing which is the mystical cat burglar who figures out that you are a Bitcoin Fulfillian air and comes and steals your seed you can solve that problem a hell of a lot easier by renting a safe deposit box The average user is not good at doing that kind of risk assessment and understanding which risks matter and which risks don't at balancing safety with resilience at Making sure that the elaborate DIY crypto scheme they created can be deciphered by someone else for example their heirs So that if something happens to them, they'll be able to maybe get some of that fantastical inheritance Your crypto is going to the moon, but your chances of actually making it there over the next 20 years Can be rudely interrupted by a bus and Then what then your relatives are trying to decipher what kind of mystical cryptography scheme You devised in order to protect your funds even if you don't and all they have to do is figure out What a bit 39 seed is their biggest problem is that the greatest crypto expert. They knew just died So what are they gonna do now you were the expert They're going to go on reddit and look for a sherpa God help them People are gonna line up to defraud them. So that's the one problem Security in the space is complex. It's very difficult to understand what the risks are and how to balance them, but worse The user interfaces are so complex that they're very difficult to apply a user interface needs to be intuitive But not just intuitive Intuitively secure meaning when you look at a user interface, there's an obvious thing to do You better make sure that obvious thing to do is actually the secure thing if we design interfaces where the obvious thing is the most secure thing Then our users can actually do operational security if You leave them hanging and they have to figure it out themselves then we failed our users This isn't just a problem of how do I be my own bank and control my own crypto? The vast majority of people faced with this choice What do they do? They go to a custodial service They put all their crypto in a bank It's a crypto bank still a bank and They put their money on a custodial service that has far less standards for security than a bank No auditing no transparency No controls or very few controls There are some good ones now But how long does that last? You know the saying goes there are two types of crypto exchanges those that have been hacked and those that will be hacked There is no unhackable exchange in fact if you really understand how financial services work there is no more difficult task today than securing a centralized honeypot of bearer digital assets that could be transmitted irreversibly and disappear This is a hugely difficult problem You need a lot of security experts to figure out how to make sure that no one within your exchange can steal it That it can't be seized that it can't be accidentally lost Balancing resilience and security access for your users and all of those things. It's a monstrously hard problem If a bank has its money transferred out by wire transfer, they just reverse the wire transfer If an exchange gets hacked and the money is gone. It's gone Digital assets are very very difficult to hold the only reason they can be secure is if we decentralize control if Thousands of people then hundreds of thousands of people then millions of people each hold their own keys The only reason that secure is because you have to compromise millions of different people if you take these millions of keys and You concentrate these millions of holdings in one custodial institution that Institution by simple math has to be a million times more secure than each of the individuals because they have a million times bigger pot of money of Easily transferable irreversible bearer digital assets and Here's the problem. We have insecurity. There is no million times better security. It doesn't exist You can't do that so effectively when you concentrate these many holdings the Level of security decreased and it didn't decrease a bit it decreased by orders of magnitude and that's not the real problem even The real problem is what the hell is the point if all of the people who use this system are going to use custodial Exchanges and custodial wallets. What the hell are we doing this for now a lot of people will smile and say We want to offer security to our users We will give them ease of use and peace of mind What they're trying to say really is I Hear your anarchist ideas about disrupting the banking system But rather than doing that, how about we replace the old bankers? with me Same business as usual new faces on the letterhead The banking cartel sucks, but my new banking cartel will be awesome Because it has block chain in it That doesn't change anything Either we're doing this because decentralization matters because decentralization is a fundamental principle Because it's a fundamental Architecture that our society needs in order to scale without losing all of our freedoms Either we understand that decentralization is the only thing that will allow us to scale governance scale trust scale society Without descending into some kind of totalitarian surveillance nightmare Or we didn't really believe in any of that and it's just about being the new rich people in charge Replacing the old rich people in charge We have to solve these security problems because for our users The two choices are both terrible Be your own bank without understanding any of the Responsibility that has the complexity that it brings on immature user interfaces with underdeveloped processes No services and support in a Wild West kind of thing. I Love that. I'm a geek. I love all of that I want to take all of the control and I just enjoy trying to figure that stuff out, but that's not What everybody else is going to do and it's either that choice or I can't do this I'm just going to give my money to someone else who I'm going to trust and we're back to business as usual We must solve this problem We must provide user interfaces systems that allow users to manage their own money in power of themselves Without Risking losing it all by making one silly mistake and in order to do that. We have to understand That our users are not really concerned about one obscure minor vulnerability Their password is password one two three four They don't know what a second factor is they don't care to learn any of that and They're going to make one stupid mistake and Just type their password in to some weird website that popped up because it offered them a ten dollar gift card That's all it takes and you read these things you read people say I just lost ten bitcoin I went to this site and it promised a five percent return daily and I invested you didn't invest You threw your money away Because you believed in something that was too good to be true We have to make it so that security is intuitive for users who are going to make these basic mistakes We all have the Dunning-Kruger effect, but in security it's deadly and it's our responsibility To help users understand what matters and what doesn't matter Which vulnerability is important and requires action on which ones don't and eventually gradually Make all of that complexity Disappear into the background so that users have Intuitive options that are intuitively secure from the beginning. Thank you


10 mai tha barmee dhe prikkhya layi datesheet jari kar dihti gai yai 10 doye ke, cbs e devallon 10 mai the barmee de peperan dhe datesheet jari kar dihti gai yai te ehe peper 15 fevery toon shuru hon ge 10 doye ke 10 mi de peper 15 fevery toon shuru hoke 13 march tak chal nege jade ke comunque we will see the information on all the dates and during the six months or ten months where we'll be date with these dates and updates. We will also check on these dates from the website of the website of the CPSC Board in 10th May.


So, now that you've taken the conflict styles assessment, I'd like to talk a little bit about what these different styles mean. And so, for those of you who haven't thought about math in a couple of decades, I'm going to invite you to take a look at this graph in which we've plotted the five styles. On the horizontal axis, we have relationships. On the vertical axis, we have outcome, okay? So, when we're thinking about what these five styles mean and when to use each style, we want to be thinking about the importance of the relationship we have with the person with whom we're in conflict. And we want to be thinking about how important is the issue and the results of this conflict. The styles are plotted in different areas. In the upper left corner, we have competing. So, basically, this means that somebody who takes a competing approach in a given situation is very interested in the result, the outcome of the conflict, and is less interested in the relationship. And maintaining the relationship. If we go down and look at where relationship and outcome come together in the axes, we have avoiding. And so, if we look at what that means on this graph, somebody who chooses to avoid a conflict in a particular moment is less concerned about the relationship and also less concerned about the outcome. Okay, so both the relationship and the outcome or the result of the conflict are not important enough to engage in a conversation about it, about the conflict. On the bottom right of the graph, we have accommodating. An accommodator based on this graph is somebody who is more interested in the nature of the relationship and maintaining a good relationship with the person with whom they're in conflict than they are in the outcome of the conflict. So, an accommodator is somebody who is willing to give something to someone else in order to maintain the relationship. The relationship has more importance than the issue. A compromiser is somebody who wants to maintain the relationship, but also is interested in the outcome, okay? So they're in the middle because they're trying to find that balance between getting an outcome that is meaningful to them and maintaining the relationship. The last style is problem solving. We see that in the upper right corner of the graph. Problem solvers tend to look for the best of everything. So a problem solver or somebody who takes a problem solving approach to a conflict is somebody who is very strongly invested in that relationship and very strongly invested in that issue and the outcome of that conflict. So the problem solver is going to put maximum effort into maintaining the relationship and getting the outcome that they want. The idea here is that all conflict styles have value. There isn't one conflict style or negotiation style that's better than the other. They all have their place. They all have their advantages and they all have their limitations. Sometimes you find that it's better to avoid a conflict when you don't have any leverage, when you don't have any power or influence in a situation. Maybe the best thing to do is to wait a little bit until you can gain some allies or some leverage and then come back to the situation with a different approach. Sometimes problem solving might be the best approach but you don't have time for problem solving because problem solving takes a long time. Sometimes you have to make an immediate decision when you're faced with a conflict and so the competing approach is the most practical and makes the most sense. So each style has its benefits. Each style has its limitations. What's important here is to think through what your tendency is. What is your natural inclination with conflict? You see that your inclination is toward one particular style. What you want to be thinking about is how do I look at a situation and reflect on what is the best approach for that particular situation? What style is going to get me what I want in that situation?


It is quite critical because at this stage, you know, 80% of the e-waste is not, you know, documented well.  So this is very, you know, critical because, well, we are losing a lot of, you know, available resources and we are polluting the environment with all the toxins which are inside the e-waste too. And I think we need to reclaim those materials because we need, well, these metals and these, you know, critical raw materials for our future.


Hey Virgo welcome back to my channel. This is Kelly from House of Virgo. All right you guys So we're gonna do a little quickie here. See what the messages are for you Also, I have now updated my community or my membership so for 99 cents You can 99 cents a month sign up for the membership where you will receive all access to my polls and Community status updates and all that here in my community tab on my channel. Okay, that's for those of you I'm going to make that private now due to all the spam. So if you want to access that 99 cents a month so you can You know receive shout outs all of that's in the membership offer there or you can join the channel 999 a month and you guys can get the access to the community tab as well as early access to videos And you will also get a private link to my private Facebook group as well Okay. All right. So there go. Let's get into your reading and see what's going on So the hermit's here self-reflection and of course Mercury retrograde playing out until October 2nd, I think or yeah, September 9th to October 2nd. So somebody here is like going within Doing a rethink Sinking things over thinking some things through. Okay. Yeah, so 901's energy. Somebody's really like Busted up. Somebody's feeling very like it could be you could be another person, but I feel like someone's blocking some energy they are taking a time out To rethink things. I feel like this person is It's I get a sense of like Going back like if you're in a boxing ring like a in a in a ring going like the bell rings have your match and then Finish the round and then go back to your back to your corner So I think there's somebody here who's gone back to the corner and they're rethinking how to Approach what the next moves are going to be when they get back into the center ring with you Okay, so somebody here definitely could be another Virgo kind of rethinking things like, okay Maybe that last thing didn't work. Let me try something different. Okay Let me try something different and see what the strategy is. What's the next game play? What's the next move? Okay? So Okay, yeah, look at that four of swords. That's like the four posts on the boxing ring This person is definitely withdrawn. You're not talking to them or there's no communication with someone It's because they're trying to think of their next move for sure somebody is I Feel like somebody here is going to reach out during this retrograde But at this time they're like, well, I got to figure out. What's what? What's the appropriate appropriate Approach. Oh my god. Try to say that 10 times real fast appropriate approach. What is the best move? What do I say? How do I say it? It's it's very strategic. I feel like it's like a real strategic thing going on here with someone I feel like somebody doesn't want to get back into Or this person doesn't want to get back into the connection or relationship And loose somebody's out to win Some maybe win your heart wins something get a need met so six pentacles here Yeah, there's this reciprocity this charity this giving this person Maybe come in the term. Okay, be careful because some of you this could be someone who's coming in with that breadcrumming energy So be careful Okay You'll know it when you see it if it's just genuine reciprocity giving charity making a sacrifice Being generous or if this person that's really what I feel like this energy is somebody might have been very selfish in the past and Not giving not even like even a little okay, so yeah, this they might even so with that breadcrumming thing I'm feeling like rethinking the strategy because This is like wow, I didn't give enough.  This is the one who's the thinker Who's the one who strut? This is the chess player Even if you're this person doesn't play chess male or female. This is the person who like Sinks before they make their next move strategy strategy strategy So, yeah, this is what's going on here. Are you going to hear from someone around the retrograde? I will take a look and see but I feel like right now This is like taking a step back and thinking about what to say and what to do. Okay. Yeah at a crossroads How do I approach so if you like these same messages are coming out? How does this person approach you the two of wands? It's like making these plans here First time I could be travel plans, but making plans To come together twos are all about partnership. Okay, let's see what else is going on. Oh my goodness This is crazy. Somebody's taking this time away During the retrograde to rethink something here How rethink their approach? Oh?  It's sincerity Okay, so like I said, you could be dealing with an air sign or it's just someone whoever your person is if you know them already Coming in with this air energy. Okay? Wherever air is in their chart. It could be sun, moon rising or Venus. Okay. Let's see what else going on Yeah, you're getting some kind of oh You're getting some kind of an apology and someone who's really gonna put in the effort this time It's either an apology or it is an energy of like just Asking how you're doing this their minds already made up once once they reach out their minds already made up that This is the energy they want to go with you that eight of pentacles for sure Putting in the effort. I didn't put in the effort before I want to put in the effort now or if this was someone you were just dating and they kind of Disappeared off the radar coming back in sorry. I've been really busy and then really going forward like full throttle That's what I feel. Okay. Let's see what the The messages of love are for you here messages of love Okay, patience everything will unfold in divine timing So I really feel like some of you have been patient or some of you need to be patient Things are gonna work out here. Whatever this situation, whatever your fears your concerns your worries are I feel like somebody's gonna actually Follow follow through I feel like right now Maybe closer to the end of the the retrograde So the end of September going in and by the way happy birthday very well going into October You're gonna hear from somebody Okay, vulnerability you can be completely open with this person Yeah, so this is the new thing that I feel like is happening with them Whereas before there might have been a lack of good communication or vulnerability or being able to open up I feel like that's coming through here Okay, interference an external party is intruding on this relationship and for some of you This could be somebody you were connected with before where there was an external party that doesn't have to be a Romantic that could be somebody got caught up in something Not necessarily a person it could be if you know or place or a thing so it could have been a work situation or Death of a family member or someone was very ill It could have been Really anything right anything. Okay, so I do feel like this might be part of the apology of why They weren't around is it true They may tell you that they had commitments or something else was going on But what I feel because that's the point of tarot is that this person was really taking a step back No matter what else what other third party or external party was influencing them during that time They were also taking a step back trying to figure out How to approach you okay, how to approach you so you also have new love here Okay, so there's this is definitely a new love or recommitment to love developing here with someone So let me try to get a date Because I was feeling like the end of September I hold on a second see if they can give me a date Okay September 29th Yep, the end of September sometime around the 29th. You're gonna hear from somebody. Oh my goodness. What's happening? Hold on. Oh my goodness. You would not believe all the stuff I have down here. I Got missing tarot cards. Look at that. That was on the floor nine of swords I feel like Virgo. That's for you. Like stop stressing. Just relax. Don't worry Okay, I know this is a far cry from yesterday's reading. I don't feel like it's attached. I don't feel like it's the same but Yeah, don't be stressing. Don't worry.  Where did that other thing go? You know what? It's Monday Monday retrograde and everything's lost. All right. Let me see Okay, okay, okay, okay So you have Taurus Aries Cancer Leo Okay, they're showing up Taurus Aries Cancer Leo. So that would be specific. Somebody's 37 Somebody was born in 1990 Somebody's birthday is November 9th. We also have Oh one four three. I love you. Somebody may be texted one four three or you're gonna text one four three to somebody December 4th, that's Sagittarius Scorpio showing up here Okay, hold on. Whoa, what's this? Okay, they gave me two things they gave me a 900 Number toll free I guess or not. I don't know and then somebody said only fans. I'm not touching that I don't know what's going on there. Okay. Also one zero zero one hundred something about one zero zero 100 100 maybe you'll find a hundred dollar bill. All right, let me give you just some Chinese Zodiac and see who's showing up here in your Chinese zodiac Rest of my cards, maybe it's my brain. Okay year of the tiger Year of the horse year of the goat Year of the ox Year of the rooster and Year of the pig. Okay, could be them could be you could be both of you could be nobody and Some charms. Let's get some charms Okay. Oh Alrighty Well, hello there squitty octopussy Penis-y looking thing Please don't please don't strike my channel. Okay. Yeah, that I don't know if that's an octopus or a squid or a mushroom or a Fire hydrant, but that's symbolic. Somebody wants to get their tentacles all over you Very well, you see that thing. Look you make up your mind Okay, we're leaving that right there, so I don't know we also have will you also have a spider Lovely, so we're going into that spooky season Okay, maybe somebody like spider-man that are DC or Marvel. I don't know which one is spider-man set But DC is that Marvel? I have no idea. Why would I even know that? I wouldn't even know that I have no idea why I would know that I don't know that there's answer And then we also have like a bow tie.  Okay It's whatever and then we have they're telling me seafoam green seafoam see Now I'm hearing seafoam Seafood seafoam Green but in like flower petals seafoam Green flower petals. Is that significant for you? Please leave me a comment. Let me know So this is short and quick. So the overall message. Let's get the over. You know what? Let us get the overall bottom of the deck. I Haven't done that in a while Okay, here we go the world things are changing new chapter starting new love happening here or and or Recommitment to love happening here. Okay, the world you guys might be worlds apart and have huge gaps or Obstacles things are going to start coming together. There's a new chapter going forward for you guys Maybe there's some travel you might be There's a lot of differences with the world. We also have I said Leo. So I said Taurus Aquarius Said that and Scorpio. Okay, beautiful. I love this reading beautiful energy. Very simple Relax, don't stress. Don't worry. All right, Virgo If you want to get a personal reading, there's a link in the description box below Go ahead over there and book that reading for yourself and also don't forget if you want to I'm just putting in a 99 cent membership fee for the month To access all of the community Everything in the community. So that will be for members only you could also purchase the other one as I said before But completely up to you. All right, you guys love you


I wasn't going to film this, but then I thought maybe I'm not the only one that has this problem So maybe it's a seems like a good solution. And so maybe it might be helpful to some of you. So we'll film it all right, so for those of you who don't know I am one of the artists in the DecoArt Helping Artist Program and We will be resuming Monday with DecoArt's Lessons when I get back from Alaska on a semi-regular basis In the meantime, I really want to organize the supplies I've gotten from them So that it makes it easier for you and me when I'm Creating the videos and the materials lists and everything that goes with them one of the gripes I have with the stencils and I'm just going to speak on the end up on behalf of the Andy Skinner stencils because I don't know that I own any of the DecoArts, although I would venture to guess that the regular DecoArt stencils probably have the same problem So if you're the type of person who you're a blogger and you really like to write You know when you create a project be real specific about the materials you've used and you want to write the manufacturer name paint color stencil design in your blog or You're in the helping artist program That's hard to do with the DecoArt stencils because there is no place on the stencil where it is etched the name Model number. I happen to know these are all Andy Skinner stencils because they're gray and all of the other stencils I own that I've purchased or all white or clear So in that way, I know it's an Andy Skinner stencil, but off the top of my head I wouldn't know what the design was because they come like this and it's not on here anywhere So DecoArt if you're watching it would be really nice if you printed or etched the design name Model number item number designers name into the stencil It would help so much All right, so but I did find a solution that I think is going to work for me and That involves taking some of the packaging which I saved because I knew I was going to do something with these at some point to label them or mark them or something and I Actually used packing tape to just tape it to one end of the stencil now You could use a label maker and you could make a label and you could print it and stick it to the stencil somewhere in here Honestly, this is the lazy man's way that I did it because I didn't want to have to dig out my label maker But you definitely could use a label maker to before you even use the stencil You know when you're just getting out of the package make a label and stick it on there That would be the best way to do it. These were already out of the package So I could have still done that but I chose to take a piece of the packaging instead and stick it just the Little front end piece to the end of the stencil and that seems to be like it's going to work fine on some of the designs You know, I had to tape over a few of the holes and it will like this letter one But because of the way I usually use my stencils whether I'm using them on a canvas or on a journal page That's going to be fine because I'm not going to miss that little tiny bit that I'm taping over I'll show you how exactly I did it So here's the four more open stencils. So this is the packaging it comes in and And I threw the clear plastic part away and then I'm just going to cut off this front flappy part And this has a decor Andy Skinner and then it has the name of the stencil design on it And then I'm going to butt it up against one end and this is just plain scotch brand clear packing tape and if I can if there's a little bit of a margin I Try to not cover up any of the holes in the stencils on a couple of the designs It's not possible, but most of them it is and you don't need too much tape on there And now not only do I have a little handle You know that I can use for the stencil or if you wanted to you have a hole here You could hang it up if you have a hanging system for your stencils So there's that too, but now I know exactly which one it is and I know this is tread carefully So I am going to do that to all of the Andy Skinner stencils Because it is hard. It's too hard. Otherwise, it's just too hard I'd have to have it like a catalog of His designs out or I don't know something. This is easy and This is actually cheaper than using the label tape from the label machine And there you have it now on some of these designs where there is a mask And a stencil. This is one of them So in this particular one, this is Andy Skinner's happy chic or happy chick Hippie, sorry hippie chick. I cannot read today. Holy cow. Okay, so this has a stencil and Then it has the masks that you pump pop out that you can use So what I would recommend in an instance like this since you have so many little small Pieces is that you try to save the clear packaging or use other clear packaging and We will use this one. So the first thing I'm going to do There's a hole down here. I think the hole is okay So I don't want to have to mess with the tape all the time So I'm going to just cut that end off give it a trim and Then out when I use this stencil when I'm done with it I would just sandwich all the pieces big and small back in here in the cardboard and Then slip it back in the envelope Like that if you hang your stencils to store them you put a clip on it and you go hang it I have mine in a basket. So this will work for me And then if you have more of these regular kind of stencils that don't have the the punch outs the Masks with them. I think I have another one. Yeah, I have two more with masks Then you can just tape it on the end. So I'm going to go ahead and finish all my stencils and I hope this helps somebody out there and I love deco art products and I'm a big fan of any skinner stencils think about checking them out I'll put the link to deco arts website where you can buy the products or you can look for a local retailer Andy has some really interesting fabulous new New stencils and they're different than everybody else's. They're really great. I especially love Where is it? This one This one is day of the dead and I especially love this one So think about doing this with some of your stencils I did just buy another stencil from another company and it has the same problem So it's not only a decor issue. So if you want to know what your stencils are Be able to keep track of who made it and where you got it Make a label on it or put the packaging on it. Those are your two choices. Alright, that's it for right now Don't forget the most important thing go out and have a great day Do something nice for yourself because you deserve it and I'll see you later. Bye


What's up guys, my name is Michael and welcome to my YouTube channel today. We're gonna do another league code challenge This is called peak index in a mountain array. Let's call an array a a mountain if the following properties holds There's gonna the the length has to be greater than equal to three and there exists a index I Such that all the values on the left side are less than it and all the values on the right side Are also less than it so essentially all the values on the right side are gonna be sorted decreasing order but it's less than whatever value That we're trying to find and all the values on left side are sorted in increasing order But it is less than of what our current value is So given an array that is definitely a mountain return an index I if any There's such that this exists Okay, so in this case all the values on the right side is less than the current value of one All the values left side is less than current value of one. So they return one Here we have all the values on the left side here, okay is less than all the values of the right side of the Current index that we're at. Okay, so we're returning the index, right? So here zero one. This is that's two so between two all the values on the left side is gonna be less than two all the values on the right side is Also less than two but this is decreasing by this is decreasing or descending order So this is decreasing. We got one zero All right guys, so I am going to see Give you time to see if you could figure this out and if you can Come back an hour later. If you can't and I'll explain how what I would do in this situation So what you could do is basically just create an index called I Equal zero and then just loop through it through it while I is less than eight odd size We'll go through the array and every time Such that Every time that a at i is less than a at i plus one Whoops, then we're going to increment i So we're this is essentially saying that oh, I should go to i minus the length minus one So yeah, this is essentially saying that we're gonna start from zero and we're gonna keep going to the right and every time that we see a Value that is less the current value left side is right is less than the right side We're gonna keep going then in the once we get to one where it's not because the right side The right side the our current value is going to be greater than some value Of the index right next to it sooner or later Then this this would stop. Okay? so then After that What it's gonna do is it keep going until we go to that and then I'll just return i So let's see if this works you could do it this way. I hope this works If it doesn't work then let's see Daily they should work. Oh time when I exceed it was that Okay, okay, I'll hold up. Okay, so let's see. Let's go back to it i is zero i is less than it if i Is less than i a li plus one should increase i We should keep going until it reaches to the Time limit see there's a let's see zero zero zero. Let's see your one i is less than eight outsize minus one Okay, so essentially I'm gonna keep going right. This shouldn't be time when exceeded though Let's see zero. Let's see. Let's see in the test case zero zero is less than the size three zero less than one yeah plus one Okay, oh, whoops, okay, this should be in here whoops my bad All right, then i plus plus Now let's run it Okay. Yeah, so that works Submit it see if it works And it got accepted essentially this is saying the reason why my eye This part has to be over here is because otherwise the loop would essentially get stuck there And I would never get incremented so that's why I had to put that there but essentially you're saying is that while My beginning index I start from the beginning and I go to the end while My current value is less than the The value on the right is the the one after it then I'm gonna keep increasing my index then in the end I will return my index that's essentially what I'm saying in this case because sooner or later you'll get to a part where Our current value is going to be greater than this and that's the one we have to return So this is my implementation of this. Let's see what the solution is So yeah, so basically my implementation was like this Okay, so what the better approach is is actually to use binary search and Remember how binary search works essentially is is that if I have an beginning index right and then Yeah, let's see and Low is equal to zero High is gonna equal to eight outsize Minus one Let me just type this out for you guys so how binary search is if you remember we take the middle index and Essentially as we Essentially what we do is we add Hold up No is equal to mid plus one High is equal to mid Then we return low so Let me first run this code and then I'll explain to you guys what it's doing and why binary search works in this case So remember how binary search works is that if you're given whatever number You want to search for it, right and essentially is is that it lets you binary search lets you discard all the values Between the middle so it you search through the middle one the current middle index and then if it's less than it Then we know all the values on the left side Can't be it right so then then you go to the the right the right side the middle of the right side and then you search of that and then Then if that doesn't work We go through all the values on that the left side and then it would keep going and keep going right So that that was how binary search works reason why it works here because let's I'll show you guys We start our low here, and this is our high This is our high right Now is the middle Which is high minus low divided by two so this is zero one two three This is the index two minus zero Is two divided by two is one one plus zero is one so this is the middle This is the middle middle Okay, is the middle Less than to the right one. It's not So then I set my high to be the middle so now our high is going to be in this this middle Right so now We that means that we could discard whatever we're searching on the right side For a of i Minus a of i less than a of i plus one high at the high is now equal to middle Now is low less than high. Yes, it is. What is our middle? Middle is going to be high minus low which is one minus zero Which is one divided by two Which is zero zero plus zero is zero is a at zero less than a at zero plus one Which is one. Yes, this zero is less than one Okay, so then our low is now going to be middle plus one So our middle was here No, our middle was zero here right now Because of what we were doing our middle was here right now our our a at middle plus one Our low is going to equal a at middle plus one so low is going to be here and is low less than high Yes, it is No, no, it isn't and then it returns low so it returns this so why does it was work because think about this Every time we go through binary search All the values it's going to be true true true true true and then it's going to be false false false false Because at this point between here and here we know these values are not less than A of i is not less than a of i plus one like in this scenario here in this scenario here a One is not less than zero So we know these whatever values on this right side is going to return false Right if we were to search through the right side So because we know that those the values on the right side will return false Once we get to that condition we could just set our high and equal to middle middle and then we could you stop our condition once we return a a True a true true true and then once we return the index of false in this case false Then we could just stop our condition and then set that equal To our low or we could change our low and return that part of our index Essentially, that's what we're doing. So I could Here I'll show it to you guys one more time. I'll put it in visual studio and I'll explain it again The reason why we're able to do this is because is that on the right side All these values are going to return false right, so if in our comparison Once we get to a value that is returning false we could change our search to not do that right, so we're going to always maintain this value of Searching here Our binary search will keep going whenever this this scenario is true Once we get to a part where these two intersect where high is now like at the point of low is not when high is not greater than low anymore Where it's about Either equal or less than that would mean our condition would now return True return false and then because one which we get our first false That means that we could use binary search and then return our low Which is our the index where you're currently at where the first time it's false and Once you do that you're able to determine The point where it stops increasing at its peak the first false that occurs So yeah, that's basically how you do it. I don't know if I should really Show it you guys on visual studio because that's that's basically how you would do it Yeah If you have any trouble if you guys want if any of you guys know how to explain this better than I do Please put it in a comment section below why binary search works this in this case But I think I explained it it's mainly because you want to find the first false in this scenario Where this returns false and we're do that you could change your low and high index Such that our high can now point to the middle. So we're gonna discard all the values where it is not Where it's true essentially we could discard those values, okay? So yeah, where you come subscribe. I'll check you guys later. Peace