More and more That's right, one more More Is this socialist propaganda? Let me ask again, is K-pop socialist propaganda? Wait, take a couple of seconds to think before giving your answer. If you voted no, you're probably colluding with Korea in order to undermine the president. Okay, okay. Yes, this does seem kind of random, but this is actually what someone believes. So, this is the guy right here. His name is K.W. Miller, and it looks like he's an independent running for Florida's 18th congressional district, Florida-Duby-Wilindo. Well, here's his homepage. And yeah, here's the URL right here, do what you will with that. I mean, right off the bat, I can see he missed a blitz. One of his links take you nowhere, pretty poorly made. Anyways, what I really wanted to show you guys is his Twitter account, where on July 7th, at 5.15pm, he made this tweet. Last month, AOC worked with K-pop agents via the app TikTok to sabotage the president's rally. K-pop is foreign propaganda. Why was AOC conspiring with Koreans such as Jungkook and BTS? Big-time socialists to undermine our president. TikTok is Chinese-owned. Kim Jong-un knew. Now, that is a pretty bold claim, and some of you guys probably have no idea what he's referring to in the first part of the tweet. So, let's go back a bit. President Trump is moving ahead with his first campaign rally in more than three months. On June 10th, President Donald Trump announced that he would be holding a re-election campaign rally at the Bank of Oklahoma Center in Tulsa, Oklahoma, scheduled for June 19th. This was Trump's first public campaign event since the COVID outbreak in March. Coincidentally, or perhaps not, the rally fell on the same day as Juneteenth, a holiday celebrating the emancipation of enslaved African-Americans, which is becoming more and more recognized as an official holiday in the United States due to the George Floyd protests. Understandably, this caused some controversy, and three days later, President Trump announced that the rally would be pushed till the 20th. Their biggest mistake was the way they handled tickets. You see, anyone could sign up as long as they filled out their information with a valid phone number and email address. From those people who signed up, only about 19,000 people would receive tickets to the event, functioning kind of like a lottery. And if you were chosen as one of those 19,000, you would be emailed a ticket. And once you got your ticket, that's your ticket. And like you said, I don't know if people caught that, but over a million people have requested tickets to come to this event. The crazy thing is, the internet got wind of this, and by the week of the event, nearly one million people requested tickets to the event. However, by the time the event rolled around on the 20th, only about 6,200 people showed up, according to the Tulsa Fire Department, which means about 13,000 others who received tickets just chose not to attend. And it turns out that this spread like wildfire on TikTok and within K-pop fandoms. Guys, Donald Trump is having a rally next week, and it's free. All you have to do is give your phone number. Now, this is epic. Dang it, I accidentally went to the Trump website and reserved two spots at the Tulsa Oklahoma Trump rally. And this resulted in pictures like this at the event. Supposedly, this may have also been partially caused by protesters outside the event center who were preventing supporters from entering. AOC said this about the event, praising the TikTok users as well as the K-pop fandom for their, quote, contributions in the fight for justice.  Shout out to Zoomers, y'all make me so proud, K-pop allies. We see and appreciate your contributions in the fight for justice too. So yeah, this is the tweet that AOC made which caused KW Miller to make his now infamous statement that K-pop is foreign propaganda and BTS dance for big time socialists, of course. All right, now this KW Miller is pretty wild, but just how true is his claim? Is K-pop really socialist propaganda? Socialism. Political and economic theory of social organization that advocates collective or government ownership of the means of productions and distribution of goods and services rather than private companies. I mean, let's look at some South Korean history. A lot of you guys have heard of the Japanese economic miracle, especially those who have watched our video on the origins of vaporwave, which I personally recommend, but did you know that South Korea had a miracle of its own? When we think of the two countries in North and South Korea, what are the first things you think of? In a way, they're exact opposites. For most, North Korea brings feelings of oppression, totalitarianism, agriculture, lack of technology and basic human rights, and for South Korea, pop music, television programs, smartphones, cars, skyscrapers, oh, and wealth, of course. But it wasn't always this way. In 1953, when Korea was formally split into North and South, the first Korean Republic was formed, also known as South Korea. South Korea wasn't in very good economic shape. Many other countries at the time were wealthier, such as Zimbabwe, Gabon, and yeah, even North Korea. In fact, North Korea had a higher GDP than South Korea until 1974. You see, the southern half of the Korean Peninsula had nothing. It hardly had any natural resources and was mostly agrarian, while the north was where most of the factories were located. North Korea actually did okay for itself at the time, being backed by both China and the Soviet Union, and it was South Korea that was really struggling. They wanted to be a rich, democratic country with a capitalist economic system, and they even followed in the footsteps of the United States Constitution in order to right their own. However, at the time, they failed to even provide food for themselves. This sparked many protests that led to several revolutions causing a transition in government to occur four times, before settling on Park Chung-hee as the new president slash dictator. And while he didn't do much for the country in terms of democracy and human rights, his leadership saw rapid economic growth in South Korea, which has been dubbed as the miracle on Han River. He pushed for a national five-year plan, which put an emphasis on agriculture and energy as well as infrastructure, building new roads, ports, and railways. Park was a military man, and he knew how to rule with an iron fist. No doubt, he learned that from his days in the military. The Imperial Japanese Military. No one wanted to stand up for this guy. He basically just suspended the Constitution and dissolved the National Assembly, allowing him to do anything he wanted. This included cracking down on any protesters, activists, and dissidents, basically anyone who disagreed. He was able to jail, torture, and execute pretty much anyone he wanted, thanks to his power over the police and the military. Hey, that kind of sounds like socialism. Snow. Stop. At the time, he met with the heads of some of South Korea's largest families and companies, and basically made them a deal that he would do anything to help them survive, such as exempting them from taxes and borrowing money from foreign countries, forgiving their debts. It was like a get-out-of-jail-free card. Three of these large companies sold simple goods. One company sold sugar and wool, another manufactured plastics, and another harvested rice. It's because of these early beginnings that Samsung, LG, and Hyundai, respectively, are the unstoppable juggernauts they are today, and they were backed financially by the government. A big three, if you will. Today, these large conglomerates are known as Chebol. Okay, now this really sounds like socialism. So yeah, Park was kind of a controversial figure. He was quoted as saying, Democracy cannot be realized without an economic revolution. His objective, first and foremost, was to eliminate poverty, and then South Korea would be ready to become a democratic country. And though Park was eventually assassinated and Korea shifted to a more legitimate constitutional democracy, similar to that of the United States, the economic policies he put in place still have effects today. So what does this have to do with K-pop? Well, first off, because only a few select companies, or Chebol, are destined for greatness, what would the government backing them and everything? It's really, really hard to start your own company in South Korea, because who wants to compete with a large, successful company backed by the government? It's many South Koreans dream to work for a large, successful company, work hard and get a job as, like, a manager or something. And because there are so many people that make up South Korea's workforce, they're all applying to these same companies. There's a certain competitive culture in South Korea where everyone is always trying to be perfect, the absolute best. Everyone is always trying to get an edge, a leg up on everyone else. And this culture has spread through all facets of society, and that might sound a little bit familiar by itself. But secondly, South Korea was able to experience the benefits of their economic miracle, not only due to their economic policies and the determined South Korean workforce, but also due to substantial foreign aid from Japan as well as the United States. This Western influence as well as their newfound economic growth allowed them to enjoy and follow trends around the world. One of these trends was Western pop music. When American troops were stationed in Korea, occasionally famous American entertainers such as Nat King Cole, Marilyn Monroe, and Louis Armstrong would perform for the troops. And the South Koreans really liked it too, and sometimes they would perform American pop songs at clubs because, you know, Americans would pay good money if they liked the performances. Eventually, Korean music groups started performing exclusively pop music such as Ad4 and the Kim Sisters. South Korea would also put their own spin on pop music and really make it their own, eventually forming their own unique genre. And the rest is history. This new K-pop would evolve along Western pop, giving us two distinct but similar genres today. So let's get to the bottom of the original question. Is K-pop socialist propaganda? Well, while there were some socialist policies and even some despotic aspects involved in bringing about the miracle on Han River, it was South Korea's unique take on capitalism that really brought about the South Korean society as we know it, an environment in which pop music could really thrive. In fact, the whole business model of K-pop depends on a capitalist system to succeed. K-pop fan culture is centered on the purchase of albums. In addition to receiving the actual music, albums are decked out with photos, memorabilia, and other goods. Every time you buy an album, it comes with a random photo card of a member. They're treated like collectibles, similar to baseball cards in America. Sometimes fans will buy multiple albums to get more photo cards. Likewise, sales also affect a group's probability to win music shows and awards, which leads to fans buying even more albums to support an artist. In addition to albums, there are seasons greetings, photo books, light sticks, and of course, concert tickets. The list goes on and on. The whole idea of K-pop is centered on the exchange of goods for money. And hey, we're not seeing any North Korean pop music yet. So I think it'll be a while till we see any socialist propaganda coming from K-pop. To answer KW Miller's question, I'm going to have to say, no, K-pop is not socialist propaganda. And now to answer the second question, does BTS really stand for big time socialists? Well, a quick Wikipedia search can verify that. Wait, what?


Zero Accounting Software Dashboard Overview.  Support Accounting Instruction by clicking the link below giving you a free month membership to all of the content on our website broken out by category further broken out by course. Each course then organized in a logical, reasonable fashion making it much more easy to find what you need then can be done on a YouTube page. We also include added resources such as Excel practice problems, PDF files and more like QuickBooks backup files when applicable. So once again, click the link below for a free month membership to our website and all the content on it. Here we are in our personal zero homepage. We set up in a prior presentation. The first thing I want to note is that we are on an online accounting software functioning on a website. Oftentimes with websites we have the ability to zoom in and out which we can do by holding down control and scrolling up or down on our scroll wheel. I am currently at 175 percent scrolled in. If I scroll back down, I'm at 150. Right tool that's good for our eyes so we can zoom in quickly on the website. However, there are some drawbacks. Note that most modern websites will alter the look and feel of the website based on the size of the screen and how zoomed in you are within it. So as we scroll in and out the headers for example of the website might change. That means that when you're looking at a presentation and you're working on your own computer, it could have slightly different formats of say the headers depending on your screen size and how scrolled in you are within it. So that's just something we want to keep in mind as we're working within the software. Also note that the software will probably work optimally when we're doing data input at the 100 percent zoom rate because that's the design of the website, the ideal size of the website generally. So if you go to things like drop downs, for example, it might have a little bit different look and feel on the drop down at 100 percent versus like 175 percent. So something doesn't quite scale correctly as you zoom in. You might want to zoom back down to 100 percent and take a look at it at that frame. That also is important when we get into the data input, putting things in like invoices. The invoices will also scale and if they don't scale properly, you could scroll back down when doing the data input. So this is basically our homepage. We're not actually in a company file at this point in time. So we've got our companies, if we had multiple companies we would be working with, they would be down here. If we have just one company that would be down here and we can go into the company from here. Even if you only have one company, this is great to be in this kind of homepage scenario because you could also get to the demo file from here quite easily. And that's a really useful tool. So we talked about last time that from this point, if you were just to start your own file, the next point would be to add an organization. When you add the organization, you might be able to get access to the free 30 day trial at that point. And you would think that would be logical because of course, zero would expect once you start entering your own personal data that you're more likely to complete the 30 day trial and continue on using the software at that point in time. But what we want to do at the first half of the course is use the demo file. So the demo file, you can get to a couple of different ways. You can go to the drop down and go to the demo file here. Or you could just go to try the demo file here. I'm currently in the US version. You can change your country, which is quite nice. And I might go in and adjust it. So and one of the benefits of say zero, for example, versus other software such as a QuickBooks is that QuickBooks might be more geared towards the United States. And zero might be geared towards other locations, which could be useful. So I might adjust this, but I'm going to keep it in United States at this point. But you can kind of go back and forth, which again is a great tool for practice with if you're thinking about accounting in different areas. So I'm going to close this back out, and then I'm going to say, okay, you also have the option down here, addition, business addition and agriculture, which could be quite different in terms of the types of business that we'll be dealing with. So I'm going to close that back out. Also note that if you go into the demo file and you start doing stuff with it, you start practicing, you start entering data and whatnot, then it'll actually keep that data in the system, which again, that's great. Because now you can possibly log back out and go back into it, and it's not like the demo file is going to refresh to its original area automatically. And that allows you to practice over time and enter data and see what happens with it. And then if you want to refresh the data, you can just select the refresh button, and it'll actually take out the changes that you put in place so that you're back to the original data and you can play with it in another format. So I really like that, that's nice. So then we're going to go to the, we can go to the demo by going to the drop down, or we could just hit the demo here. Let's go into the actual demo file, which is what we will be working with as we practice the navigation in the first half of the course. So again, I can scroll in, hold and control down and scroll in a bit. So I'm at like 150%. This thing up here, get to know zero, explore your demo company to learn how it works. The data is fictional, so you can test out features without worrying about making mistakes, that's great. I'm going to hide this now, we don't need that any longer. And there is our information. So the first default place that we get to is going to be the dashboard. The dashboard has some kind of interesting information in it. But it's probably not the place where you're going to be doing most of your work. It's kind of, it's a little strange, it's a little kind of ironic in the fact that the major part of the screen that we first go into is not where we usually are going to start kind of just doing stuff, right? Because, and the reason for that is that the middle part of the screen is usually the display part of the screen. So if I have a report open, the report's going to be in the middle part of the screen and so on. And therefore the stuff up top, the drop downs up top are going to be the areas where we're usually going to be going to actually do stuff. Now the stuff that we're doing is of course accounting, which is the activity of entering transactions into the system that will be used to make the major financial statements of balance sheet and income statement, otherwise known as a profit and loss. So the first thing I usually do is open up the major reports that are kind of like the end result. So let's take a look at that first. I'm going to go into the accounting drop down and then we can go into the reports up top. I'm going to go into the reports and just to focus in on our major two reports. Notice I'm scrolling in again, holding control and scrolling down. The major two reports are the balance sheet and the income statement. Now oftentimes I like to open these in a different tab so that I can have a tab to be working in and then see the effect on, say, these reports. So to do that within a Windows-based system, you could create another open Windows, which is very nice. Again, it's one of those things that has kind of its pros and cons. You got to get used to possibly having multiple Windows open, which will practice as we go. But then sometimes you have to refresh those Windows and so on from time to time.  I'm going to right click on the tab up top. And I'm going to duplicate the tab, right click and duplicate. So now I've got two tabs, both of them running zero. On the new tab I have opened, I'm going to open up my balance sheet, the major financial statement report that we will be creating. And so we'll talk more about the balance sheet, how it's formatted in the future. I'm going to close this item out on this side and close this out and this out. And so now we've got as of December 31st. And we'll talk more about the balance sheet later, but you can see again the balance sheet is being displayed in the middle of the format. We're not really clicking on anything in here until we're zooming down on the data. And then we've got our drop downs up top. I'm going to do that one more time. I'm going to go to the first tab. Well, let's go to the second tab. I'm going to right click on it and duplicate it. So this idea of having multiple tabs up top can be useful. It can save time.  And then this time I'm going to go into the income statement. Sometimes it's called the profit and loss. If you worked with QuickBooks, they call it the profit and loss. Oftentimes it's called the income statement. So it's going the income statement. So we have here, let's make it for the, I updated it to January. So I just changed the date to January to December. And so there's the income statement. So we'll dive more into the income statement later, but just note the thing I want to focus in on here is now we've got a couple windows open, which is a nice tool. We can even pull this window and see it separately so I can have it on a different screen or something like that. As I do the data input, that can be quite nice. You can also possibly even try to open things in different browsers if that could be useful from time to time, although that gets a little bit more tricky. But let's go back to the first tab now. So if I go back to the first tab, we can go back to the dashboard. When we actually enter the financial data, one way we can see that is by hitting the plus icon here. And that'll give us the major forms that we use. To make the financial statements, we enter financial transactions. The financial transactions will be designed so that we enter these forms, which then enter the financial transactions. That should be an easier process if we do the underlying foundational setup stuff correctly because these forms should be easy enough for us to teach someone how to just do the data input and then the forms themselves should take care of the double entry accounting system, making the financial transactions, reporting these items properly to the financial statements and subsidiary reports, and allowing us to continue the flow of, say, the collection of invoices, the payment of bills, and so on. So we'll dive more into that in future presentations. Just a quick recap of the rest of the dropdowns. You've got the dashboard up top. You've got your business overview stuff. You've got the short-term cash flow analysis. This is going to give you, it's a nice little tool, possibly not the thing that you're going to be using all the time, but view your future bank balances based on invoices and bills. View your projected bank balance based on invoices being paid and paying your bills. So it's going to try to help you to have a cash flow tool in the future. If you're on an accrual-based system and you're invoicing people, then your revenue is going to be recorded when you enter the invoice or expense when you enter the bill, and you might want to try to project then your cash flow based on that information. So then we've got the business as a snapshot. Nice little tool. Again, you can adjust this by the dropdown over here, and it gives you some nice charts and what's not some fancy stuff. But it's probably not where you're going to be spending most of your time. It's kind of a quick recap, possibly a tool for, like, budgeting type of tools. And then you've got your invoices. So this will give you the invoices I would think of as part of your sales cycle or your revenue cycle or your accounts receivable. These are your customers, in other words, customer cycle. And so if you're invoicing people, that means you're doing the work first, sending out an invoice that you're going to collect on. So that's an accrual process that we'll go through, and you've got to be tracking your outstanding invoices. So this is kind of the area where you can do that. Now you can create an invoice by hitting the dropdown here and create the invoice. But then when you're tracking the invoices to see the ones that you've made, the drafts, the ones awaiting approval, awaiting payment, the ones that have been repaid and the repeating and so on, we'll go into here. We'll talk more about that in the future. You've got your quotes, which you might call estimates, you know, other software might call it like an estimate, not something that every company uses. But if you're creating estimates before like a job cost system, then you might have the estimates here. And then business dropdown, we've got the sales overview information.  Oftentimes, when we're looking at our sales information, we might be going directly, of course, to the reports, starting with, say, the income statement. But this gives us some recap, and we can also go to the statements here as well. Business will talk more about that possibly in the future. On the payment side of things, we've got the bills to be paid. So when the money is going out, then when you're paying for goods and services, you can do that by just writing checks or electronic transfers, or you might be entering bills. The bills are more of an accrual component. So we'll have to deal with tracking the outstanding bills that need to be paid. And this is the area we can go for that. So this would be like the accounts payable area. If you are working in a larger office, you might have people that are tracking the receivables invoices, people that are tracking the payables, the bills, and so on. And then you've got the purchase orders. These are going to be only there if you're dealing with inventory. So we'll, and we'd have to track the request for inventory. We'll talk about that in the future. Purchase overview, expense claims, products and services. The products and services are going to be kind of the foundational things that we're going to set up that will help us to drive the creation of invoices and whatnot, the forms that are going to help us to facilitate the sales transactions. So then we've got the accounting here. We've got the bank accounts, which are kind of part of the general ledger. The bank accounts have their own place because they're going to have a special account. They're kind of like the lifeblood of the company. You might connect to bank feeds with them. We'll talk about bank feeds hopefully in their own section at a later point. You've got your reports, which we talked about in a little bit, just with the balance sheet and the income statement being the main two. You've got your favorite accounting reports, which we chose with a nice little star. If I go into the reports, for example, you've got these stars giving them the favorites. So we picked our favorites so that we can get to them a bit more quickly in this dropdown. And then you've got your advanced item, the chart of accounts. This is a fundamental underlying thing, your accounts that need to be set up so that everything else can kind of lie on top of it, meaning whenever we enter a financial transaction invoice bill and so on, it's going to have an impact on the chart of accounts, which will then be pulled over to create the financial statements. So we'll get into some of that more in the future. The projects would only be used if you're in a specialized area such as a job cost type of system.  The plus button, as we saw, is the quickest go to spot to do the normal data input forms. And then you've got your icon over here, find and connect apps. So if you have some specialty areas that you want to connect an app related to it for, you can go here and then you've got your more information on your account on this item here. So that's going to be the general overview. And just note that I sometimes like to compare this to a flowchart that looks like this. This is from the QuickBooks desktop version and the online version doesn't have the same flowchart either on the QuickBooks and neither does zero. They don't use that middle part of the screen. Oftentimes, it seems for the online type software, even on the dashboard instead of putting a flowchart, they often put this kind of recap stuff. I think it just looks kind of fancier. I think the flowchart is going to be a useful tool to be able to see the flow of each cycle. So what we want to start doing is breaking down the flow of the transactions and to think about the data input forms by cycle. So I'm going to refer to a flowchart like this, even though the forms might have a slightly different name and zero, the flow will be basically the same. The forms will in essence be the same as well. Once the form, you know, a bill form, an invoice form are going to be much the same. But what you want to do is start to visualize the flow of the whole process, which I think a flowchart will help with. Once you have that in your mind, you don't need the flowchart anymore, and you can just go right to the drop down plus button and choose whatever is the next step with whatever we are doing. So we're going to dive into basically each of these flow cycles and analyze the process of the vendor cycle or the payment cycle, the expense cycle, customer cycle or revenue cycle or receivable cycle, and then the employee cycle to the extent that we can. We'll do that in future presentations.


other breaking news in regard to one Yankee trying to make his way back to the field. And Ryan, I wish I had a little better news for you on the injury front, but about 545 today, Aaron Boone was on WFAN and he revealed that James Paxton suffered a little bit of a setback. He threw on flat ground yesterday and after that session, he complained of a little bit of soreness in his arms so he will not pick up a ball for the next couple of days. He has not pitched in a game since August 20th and was then diagnosed with a left flexor strain. Aaron Boone said they are still optimistic when it comes to James Paxton, but you wonder exactly what his role would be when he comes back. There's not going to be enough time for him to get stretched out in a starter's role, but Aaron Boone said there still is a place for him on this team out of the bullpen. Maybe a guy, if they can get him stretched out a little bit that can give him a little bit of length, but first and foremost, they want him to get healthy and then they will go from there, but this is a guy that hasn't even started throwing off a mound yet. So he is a ways away and the Yankees, as we know, have just 17 games left this season. Ryan, they are running out of time. Merida sticking with that injury theme, Gia or Shella dealing with a bone spur in his right elbow, Jonathan Loisica has an undisclosed medical condition. What's the update on those two players? Well, Jack, there is a little bit of good news there. It looks like those two could be joining the team relatively soon. Jonathan Loisica, wall out with that undisclosed medical condition, has been able to come to the ballpark and play catch and throw a little bit. Aaron Boone said he could potentially get on a mound as early as tomorrow and then he's a possibility for this weekend. If not Sunday after the off day on Monday, expect Loisica on Tuesday, but he's a guy that's getting very close. They do want to see how that first mound session goes and how his arm strength is. So that will probably dictate whether it's this weekend or next week. As far as Gia or Shella is concerned, he was taking grounders today. He's also hitting the cage. They believe that his bone spur and his elbow is not bothering him as much as it was earlier. So he is a guy that's expected back next week when he's eligible to come off of the injured list. And that's going to be a big boost to the Yankees. Not only does he play unbelievable defense, but offensively it seemed like prior to going on the IL, he was really getting into a little bit of a groove. Well, speaking of offensive firepower and injuries, obviously Meredith, everybody wants to know when are John Carlos Stanton and Aaron Judge going to be back? What is the latest on that front? Brian, I really wish I could give you and all the fans out there an exact date. There is not an exact date for either of those guys, but Aaron Boone continues to say they are making progress. Aaron Judge and John Carlos Stanton have both hit off the high velocity machine. John Carlos Stanton's been running the bases the last couple of days, and Aaron Boone said both of them will most likely see live pitching in the next couple of days. There are a possibility for next week, but there are still a lot of steps they need to take before the Yankees would feel comfortable activating them off of that injured list.


I work as a developer for the Calsus Institute, which is a non-profit education organization in the USA. We work on a lot of projects. Calix versus Mark-10 is an Android-based smartphone operating system that forces on the privacy and security. In today's talk, I will go through how we have implemented operable device security levels so that a user can choose what kind of security he wants the device to be. Just a quick talk to Google. First of all, we will go through what security levels are and what we have implemented in Calix. Then I will go through the pregnancy of development so that how somebody else can just choose what kind of work they want to implement for their own Android-based operating system if they wish to. Then we will go through some of the blind features that we are currently working on. So security levels, worker security levels, and what do we need them for? I think the question with the contact of people that is diverse also, why do I need to be concerned about the security and why should I even be concerned about the security? The very simple answer to that is that not everyone is familiar with the best and the features that are on their device every time. It takes quite a lot of time to find the very best possible combination of the settings that you may want the device to be in. Switching between those combinations takes quite a lot of different times. You may want different modifications for your work. You may want different modifications for your personal life. You may want different modifications to be in-based, not in-based. They don't depend upon work. You cannot be with your own people. There is the part of the expert opinion because not everyone is familiar with what a particular setting is doing. Sorry for that. The expert opinion is always helpful because not everyone is familiar with what kind of settings are doing things in the background. You are not quite sure if that setting is doing what you are thinking is doing in the background. Security levels offer pre-configured security choices. As for your requirement, they are configured by the expert between the developers because they are developing those features and it restricts you from the user's action and options depending upon the use case. What you are seeing in the image is from the door browser. They have security levels implemented including there. As you can see, there are three modes, standard, safer and safest. Depending upon the case, the security level is enforced on the web browser. The standard mode, everything is enabled. You can improve the safer, which is also dangerous. Website features cost a lot of money and use functionality when they can just go into safe which is able to communicate with others. It is much more restrictive. While there are a lot of other browsers who are also into the various security levels, there has been no such implementation when it comes to these platforms which will use much of the kinds during your daily lives. That's why we actually invented it and inspired from the door browser we actually implemented security levels in KaliSource. We also invented three security levels which are standard, safer and safest. These security levels are shown in the user when they boot their device preloaded in KaliSource for the very first time. So it's present in the setup result that asks to set up password, security levels and everything else. The options that are shown for the first time are standard, safer and safest. All these options are currently in development which means that we are improving it as user feedback comes in. There are different things that you can not show. It's pretty good. But the standard mode is the recommended mode for everyone which means that all it contains are default features which are configured for a normal everyday user for their everyday lives. Then there is the second level which is the safer. Safer builds are not standard but what it does is that it sets a time on for the Wi-Fi activated for starters which means that they automatically get turned off when they are not being used for a certain period of time which means that they do a certain time out as well but default.  We also set the device to reboot automatically after a certain period of time of non-uses which means that it utilizes at your position where you just work on it somewhere after a certain period of time and it's likely to use it after a certain period of time with the paint on lock, your fingerprint place on lock, those kind of things will work. The safer mode also requires a work profile. Work profiles are a certain encapsulated profiles in which you can install your applications you wish to limit the access to the system which means that applications which are installed in this work profile will not have access to your data which contains, let's say, your private images, your other applications, their data. And finally the safer mode also enforces forward as the for this one VPN which in the work profile which means that all the network communication that is being made within that work profile is going over towards forward VPN it's encrypted, no one knows what you are doing other than yourself. And finally, the safer mode, safer mode, those are all safer but it's much restricted there is also the fact that safest you cannot remove from the device without finding the phone device. What safest does is that it disables USB data signaling so if your device is going to be seen, it will not be charged no data can be shared from it there is also the fact that a lot of device issues come when you install applications from unknown sources normally, from the internet somewhere. So safest mode also restricts the user to install applications from unknown sources. It also disables 3D button features which means that no ADB access you cannot connect to the PC that disables those specific features to extract some of your data from the device. And finally, it also disables JavaScript data from here. Now, I will go through how we actually want to develop this this is, this might show a better mode of code, that's Java and Cognitive but it's real simple one. But before going into that there was some prerequisites that were required to develop the very first one is the palace which is our work profile manager application work profile to deploy it, you usually need a dedicated application to develop palace which is work profile manager application. It allows user to provision and manage work profile and go play on their device without connecting to the internet or asking your company to do it manually. It is very simple and return for placing a material and put it through your coffee which is this primitive guidelines from Google for the Android. It is also compatible with both ASP and cradle build system that any developer can simply pull in your repository and start working with it in the Android studio or any idea of their choices. Next is the other options. As I mentioned earlier in the simplest mode the debugging is just like simple and if you want to correct the lines you might notice that there are quite a lot of useful features in the debugging options which are habitality to do the last debugging. Example would be an OEM debugging which can remove the operating system installed on the device and replace it with a custom OS. The other one would be taking bugger code so that you can remove the developer which apps are crashing, which apps are not working and whatever issues you are facing on the device. There is also the Wi-Fi non-processing Mac optimization so that you can change the MAC address whenever it is connected to your Wi-Fi and much more. Considering the different features this one what we did was we added some of this important options outside of the developer options so that even if it is different which is not simple a user can use those features without any issues. So what we did was we added a new screen for other options within the settings application this contains those much frequently used options. These options also still maintain the security requirements for certain switches such as taking bugger code which is a surefire way to collect what is going on in your device and you may not want anyone to access it so it still asks you your password whenever you want to collect a bugger code. The same goes for the OEM unlocking because the operating system gets changed so whenever you turn it on it still asks your password before letting you do this. Now going to development how this was done whenever a user puts their device for the first time they go into setup wizard a setup wizard that asks the user what kind of profile level they want the device to be in that the setup wizard propagates these two values which is the word profile manager application word profile values handles all the settings that we want to apply to the device that this is a few words with the Android Studio and any other user so that any developer can access it alone change their settings they want their operating system to be in and just apply a good word Then finally when this is finished finished whatever it wants to do maybe you want to open another application before letting you do the device you can do that it simply guides users back to the launcher to which they then start using the device Now looking into the code this is the code in the setup wizard we generally refer this as the colleague level security level is already here and the jump string we use there is a string that contains three values from 0 to 1 this one is security level the security level simply puts a value let's say the user selects security level would 1 then it will forward this as an intent to the device it turns out a way to reach an application or anyone can communicate with another application so it's a security whatever so it basically files another intent which is as a function managed device from the system source that's the component name which is the value then they can so developers can set things in the extra provisioning bundle then if they want they can skip the application string which will simply smooth animation that can be shown by the values in the processing in the background now when the value is small this won't create a metric it's wider here values intercepts the intent that was sent by the setup wizard there are three modes that can list the intercepts if you get provisioning mode it is asked so the system asks if what provisioning mode the device is going to be in it will simply tell that whatever setup wizard sent it simply gives the possible extra from the setup wizard's intent and it simply puts it's act so it does not just add things special when the provisioning mode is squared then there is the action and then policy compliance and action provisioning successful so there can be two things one setup wizard finishes it launches values then action and policy compliance part is followed in that part we can run whatever code we want to run after the release setup wizard has finished so what we do is take the complete provisioning method in which we set up various restrictions such as launching or for example this on VPN we restrict the installation of applications and other things and on the action provisioning successful that's all different cases we simply for that method again do set different settings as required for the cases now I'll just go through the applied features usually what we are working on at the moment so by default Android only allows one work profile or device which means that if there is already a work profile you cannot deploy more work profiles this is a limitation on the protocol source project on which it is based on so we are also working on implementing multiple work profiles so that users can deploy more profiles as per their requirement they can deploy a work profile for personal users they can deploy a work profile for work, VPN, no VPN and use cases they want considering work profiles allows you to just turn off entire set of applications this is quite useful for users who have different use cases for different kind of time there is also the fact that you can use different VPNs in the different profiles you can use separate applications you can separate passwords and passwords whatever you wish for that there is the voice editor that we are already working on voice editor it simply streams the updates from the KXOS service to your KXOS devices there is no download part so there is no requirement for spaces they are using the update engine APIs from the movie so it just simply streams the updates this also return coffee and maternity and it's really simple there are just simply two streams one was this one on the screen and the second one is the settings part which allows you to change the update channel on complicated notifications and other settings as required again this is also compatible with both ASP and firmware system which means that any developer tends to be blown and start working with it as they want we are also planning to fetch the system updates from OATOM so that for much better privacy and security processes there are other features that are small but we are also working on them are examples such as gallery help line links so we want to by default open the help line in the door browser so that no one knows what help line you contacted or queried for using the data we also want to allow user to check whenever your device comes online it thinks a certain server to know that the internet is working right so we also want to integrate a server selection for this connectivity check so that you can use whatever server you wish for you think is much better for your purposes for the server selection we also we also replace the proprietary services we are also trying to move this traffic over there is another feature that we are working on is resetting the device after a number of failed attempts so that means that somebody is trying to break into the device and address also a drop of four or five times it automatically gets reset we are also discussing more features that we are trying to do and that's all that's all from my side if you wish to go more or join the community that's all from my side thank you my colleague will ask you some questions if you may have


A proud democracy group at the Center for Democracy Development has commended the use of technology by Nigeria's electoral body during the just-concluded Osho State Governorship election in the southwest region of the country. The Center, while announcing its key observations from the election to newsmen in Abuja, has said the deployment of the bimodal voters' accreditation system, a recent technology deployed by the electoral body to transmit results real-time from its online portal, as well as the collaboration of stakeholders where evidence is of a violence-free election. The Center, however, emphasized on the need for political actors to maintain peaceful disposition and consolidate on the gains of the election as the nation prepares for the general elections next year. The deployment of the bimodal voters' accreditation system was successful in the Osho State Governorship election. As at 6 p.m., not on the election day, CDDAC observed that 84.3 percent of polling units covered had transmitted their results by beavers. Like us, the INEC Resort viewing portal was in full operation for the uploading of results in most of the polling units. At about 10 p.m., on the election day, 99.7 of the results were available on the island. This level of compliance is commendable and needs to be encouraged for future elections. I only need to add that there is still a lot of work to be done going forward. We have tried to identify that. But that work is not just for those who are involved in the management of the elections only, the INEC and others. But as I said, when we started on Wednesday, it's a job for all Nigerians because we was committed to making sure that we have credible elections in this country.


Biodiversity is a key concept in ecology and has importance on both local and global scales. Biodiversity is the degree of variation of life, or, put it more simply, the number of different individuals and life forms in an area. Scientists usually measure biodiversity on either genetic, species or ecosystem levels. For example, if you wanted to measure the biodiversity of beetles on a global scale, you would find there over 350,000 known species of beetle on the planet. However, if you wanted to measure the biodiversity of beetles locally, you might find only up to 10 or 20 species. The reason for this difference is that biodiversity varies greatly with the location, habitat and species being surveyed. In general terms, biodiversity tends to be highest at the equator and decreases at higher latitudes, i.e. as you get further away from the equator. Knowing this information, where would you expect to find the habitats with the lowest biodiversity? Pause the video and have a think. Habitats at the equator, such as tropical rainforests, usually have the highest biodiversity. So if you thought habitats at the north or south poles, such as the polar desert, you're correct. It's important to know that biodiversity is not a static measure, but is responsive to numerous factors, including climate change. In fact, global biodiversity is generally thought to be declining right now. Biodiversity has declined in the past, and the total of five major extinction events have occurred. Currently, we are in the planet's sixth major extinction event, known as the Holocene extinction. There are many proposed reasons for the current drop in biodiversity. Some of those reasons are anthropogenic, meaning caused by humans. Anthropogenic factors include things like introduced or invasive species, such as the introduction of rabbits to Australia, human-induced hybridisation, such as implants to create optimal species of crop. Over-harvesting of resources, and global climate change caused by human activities. While humans aren't responsible for all of the current extinction events, there is good evidence to suggest that humans are affecting the world on a global scale and causing the loss of many important species. The loss of biodiversity could have catastrophic effects on our society and even result in the loss of our food crops. For example, bees are in huge decline and they are extremely important in the pollination of many plants, including our crops. There are lots of ways we can reduce biodiversity loss and even increase biodiversity, such as managing our land better, growing more than one crop and including plants that encourage insect diversity, and also creating cities with space for other species. We shouldn't just focus on the rural areas, urban places can do their bit. By increasing the local biodiversity, we can help the environment to sustain itself and give it a better chance of understanding the effect of global climate change. A healthy and diverse ecosystem can withstand and recover from disasters. Biodiversity is an important topic that affects us all. As a global community, we need to take action to protect our biodiversity on both local and global levels. Here are just a few of the free services a healthy biodiverse ecosystem provides us with.


Thanks everyone, and welcome to Working Together on ThinkTech Hawaii, where we discuss the impact of change on workers, employers, and the economy. I'm your host, Cheryl Crozier-Garcia, inviting you to join in the conversation. You can call in to area code<PHONE_NUMBER> or tweet us at thinktechhi. Recent articles in print media and online have sent waves of fear throughout the community. Specifically, these articles have discussed the fact that people simply aren't saving enough for their retirement. This is creating an underclass of older people who live in poverty, older workers who may want to retire but are financially unable to do so, and putting stress on children who may be raising their own children and simultaneously having to provide financial assistance to their parents. Rising costs, stagnant earnings, and low interest rates make it difficult for people to build sufficient financial resources to protect them from misfortunes that might occur. Today's guest has some great ideas about stretching those saving dollars. Dr. Sharad Dodd is a finance professor at Troy University. He's done portfolio management, and he's worked in other aspects of financial management. And today, he's going to share his wisdom about how we can build those nest eggs and prepare for a happy, secure retirement. Welcome, Sharad. Thank you. Thank you very much. Thank you for joining us. Thank you for having me. I read those articles, and I'm sure you've seen them too, in your professional journals and even in just sort of mainstream media. And my initial fear was that, gee, I wonder if I'm saving enough. And there was a formula that I was taught as a young undergraduate student. You might have been taught the same formula that said, pay yourself first, and pay yourself 10%. So you take the first 10%, stick it in the bank somewhere, and you save that. And I've been doing that my entire adult life. But it looks like, when I look at the totals on my various investment accounts, that I don't have enough money to retire. Am I in the minority, or is this a legitimate fear? That's definitely a formula that even I was taught, but I think that formula is sort of dated because I don't think that's enough. And there's all kind of challenges that we face today as far as student loan costs now. We face different type of retirement programs and generations before us, whereas there were a lot more matching type plans with generations before us. But now you see a lot of companies don't match. Or if you're making above a certain amount, they won't match. So there's lots of challenges there. I think you also have challenges where people are looking for that type of financial literacy or assistance or wanting to jump into the market, but don't actually have an understanding of what they're jumping into. So it's lots of different challenges that we face today different from the generations before us or that old formula that we were referring to. I think the other thing too is that our past generations, our grandparents, our parents maybe, were accustomed to retirement plans that were defined benefit plans. The defined benefit plan is virtually dead. You can't find one. Now they're defined contribution plans. Now on the one hand, that's good because you know exactly how much your employer is putting in on your behalf, if anything. On the other hand, though, it's bad because the employee is forced to bear the responsibility for investments over which they may have no say, portfolios where they don't get to choose which vehicles they get to use. So as we as employees and people that have to be self-sufficient in our retirement, as we age, what can we do to be sure that we are continuing to put away enough so that we're not eating cat food and collecting food stamps as senior citizens? Well, one of the big things I think that people tend to forget and one of the rules that were part of the older generation and still exist today is the biggest asset or the largest asset that anyone has is time. And so the earlier that you're able to start, the longer you have time to generate those returns or grow your future cash flows for the future. I do examples in some of my investments classes to where I show students, if you're starting, you know, because one of the things students will say is, well, I don't have enough money to invest. And so I do an example. We're just putting $3 a day away. So if you save that $3 a day at the end of the year, that's about $1,095 or $1,295 that you're putting into an investment account. And we use the average, so the S&P 500 or the Dow. So we just use this average over the last since 1928 all the way to 2016. So we use that average interest rate over that period of time. And we look at how it grows if you're started investing that $3 a day at 20 years old, retired at 65, leaves you about $1.2, $1.4 million if you're averaging that rate of return over this period of time because of the compounding interest and other things that we talk about. And then I also show where if you're starting at 40 years of age and you want to retire at 65 with that same amount of 20-year-old, well, how far you're behind or how much you would have to pay into that, it wouldn't be $3 a day. It'd be like $30 a day. Or more, I think more, I think it ends up being like a thousand something or, but to even catch up to where those 20 years that you missed of investing. So a lot of times I think we forget that time is one of those things that we have to take advantage of. And to me, I think it's very important, even though we don't do this as a nation or in our high schools, we don't teach finance or this type of investment. We start with maybe accounting where you start learning the debits, the credits of the assets liability side, the financial statements, but you don't really get into understanding investments or compounding this interest over time. And I think it needs to start at a younger, even younger age because of all the challenges that we're facing today. Now, let me ask another question regarding those investments. You mentioned sort of averaging out the interest rate over the last 28 years and using that average to determine right around how much you would be earning on your money at any given time. But the interest rates are so low. I mean, I look at what my bank sends me in terms of a statement every month, and I say, shoots, man, I might as well spend this money because it's certainly not growing. I mean, it's not shrinking, but it's not growing either. And so how do we make that determination? How do we incentivize ourselves to save when we see .07 percent, I mean, less than one percent interest? Well, I think the other thing about planning for retirement is understanding just how we talk about diversification with portfolios so that if you have something, if all your stocks in your portfolio follow the market, then when the market goes down, your whole portfolio is going down. If you don't have defensive type of stocks, gold and other type of precious metals or other type of things that move the opposite of the market, which you're using that to diversify your portfolio to sort of mitigate some of that risk that you're facing, I think the same thing needs to be applied to retirement. And what I mean by that is a savings account is good, but just understanding what the tool or what that purpose of a savings account is for, it's more for liquidity. So it's something where you're not taking a lot of risk. So in finance, we always talk about the risk return. So if there's not a lot of risk, then there's probably not going to be a lot of return associated with that asset. So in a savings account, and I tell students this all the time, because once they start to understand, oh, so I need to have savings account, I need to have my checking account, those are liquid money, market, mutual funds, CDs, more short term, more liquid things that are not going to pay or give you that interest rate that you're anticipating or that you would like to see, then you have more midterm type of investments, maybe your investment accounts, your different shorter term or when I say intermediate 10 years, 20 years out, even longer than that, now you're talking about your 401Ks, your IRAs, your Roth IRAs, those type of vehicles that you're looking for is a long term investment. So each one of those places are going to have different types of interest rates that you should be expecting.  Now another way, so that's in real estate and owning your own business, all these are different retirement type of vehicles for you to have for later on in life if you need to cash one of these things in or liquidate one of these assets so you can have that cash or let that grow. So that diversification in retirement also should be applied just like it is in your portfolios. So what I'm hearing you say is you probably should not put all your eggs in one basket and that you need a combination of many different kinds of investments or at least a sufficient variety to be able to overcome shortcomings in the market as well as being able to exploit increases in the market or growth in the market. Correct, correct. And being in those different markets, I mean, again, it goes a step further in understanding what these assets are serving the purpose of these assets so because I hear that a lot like, well, I just need to save more. Well, that's not going to grow your future cash flows like you would like or even if you start getting into mutual funds or people, you know, you get a broker and they they put you into mutual funds, understanding or your expectations of the growth of that mutual fund is something that's a diversified type of asset. So it's not going is is minimizing the risk because it's diversified. So it's also going to minimize is not maximizing your returns. So you're not going to get those returns unless you're taking those type of risk. Are you an international type of mutual funds? Are you in tech type of mutual funds? Things that are more risky that have more volatility generally or you're going to see the returns that you know, you expect or the ones that you think about the 10 percent, the 8 percent, the 15 percent type of returns.  Right. Because I am, I, I feel differently about losing interest than I do about losing principle. Right. Yeah. And, and I, and I, and that's a very key point because I think the type of money that you're taking those type of risk with need to be extra. You need to have your basis covered. So a lot of times, even when you talk to advisors, they want to make sure that you have the right insurance, that you're protecting the assets, the principle that you already have, that you're not taking risk with that, that that's always there for you to fall back on. I think bonds and newities, those type of things are more safe, safe securities are safer type of assets where you can protect your wealth. Now, again, safer, less risk, less growth, but it's going to be there. So I think that needs to be the base of any investment portfolio that anybody has. Then with extra, if I want to play $50 here or, you know, every month or every six months or higher, you know, whatever your budget is, then that's the risk that you're taking with those equities and the more risky type of securities. But that, you should never use that as, you know, that's my basis. I'm taking all these risks, but I think also in the short term, because of when we talk about millennials investing, I think millennials have, you know, as far as what the internet has brought to us is we have different apps now that we can use. We don't necessarily have to go into a brick and mortar type of place. So I think finding those savings accounts that pay higher interests are generally going to be on those online type of resources. Now you do, because there's a risk, you don't think you can trust them or you haven't seen them. You're not talking to anybody, which is what we're used to. But if you go to a brick and mortar, like Bank of Hawaii, Regents Bank, US Bank, any of these banks are going to have those .02, .03, .04 percent interest rates on your savings account. If you use American Express, they also have a savings bank. It's not a physical location, but it's online. American Express is a reputable name. It has a strong name brand. They pay .95 percent on your savings accounts. Wow. And I think because of recent market, you know, how the market's been doing, they have a thing where they're paying 1.05 percent right now. Terrific. So if you're looking at increasing those safety, the safer type of assets, the less risky, you want to grow your money, but you want it still to be safe. I think we have to get out of that thinking of brick and mortar and using some of the technology or some of the resources that we have, but making sure they're still reputable. Speaking of technology, we need to do a bit of housekeeping. So we are going to take a break and introduce you to some of the awesome programming here on Think Tech Hawaii. And then we will be back to working together. And Dr. Sherrod Dodd in 60 seconds will be Aloha. My name is Steven Philip Katz. I'm a licensed marriage and family therapist, and I'm the host of Shrink Rap Hawaii, where I talk to other shrinks. Did you ever want to get your head shrunk? Well, this is the best place to come to pick one. I've been doing this. We must have 60 shows with a whole bunch of shrinks that you can look at. I'm here on Tuesdays at three o'clock every other Tuesday. I hope you are too. Aloha. Welcome back to Working Together on Think Tech Hawaii. I'm Cheryl Crozier Garcia, and we are chatting with Dr. Sherrod Dodd about building financial security and protecting our family's financial resources. Welcome back, Sherrod. Thank you very much. Now, we were talking during the break about two sort of foundational areas of a stable financial picture. Traditionally, these were things that we were told would facilitate financial security. And those two things were owning your home and college education. Now, that may have been true in the past. How true is it today, given what we know about new housing starts and other kinds of sort of mega economic factor? I think owning your home is a great resource to have, but I don't think that's something that everyone comes into growing up. Or once they graduate from high school or going into college has, I think that's something that a lot of people try to acquire, or it's something that may be passed down. But to say that you're starting out and you have your own house that's paid for, that's not everybody that fits into that mode. I think the second thing that you also mentioned, the education point, even we have various economic studies that look at education being the one thing that the best way to fight poverty, because it gives you so many opportunities. And I'm a witness to that as far as being from Omaha, Nebraska, going to the South at 18, playing baseball, going from undergraduate to my master's degree, losing my parents and my sister and my whole family, passing away during my doctoral program. But having that conviction to stick with it and to see it through allowed me opportunities to where now I've been a professor for nine years. I've taught at Mississippi State University during my doctoral program. I've also taught at Troy University for the last seven years. I've taught overseas. And so I've taught in Malaysia twice. I've taught in Vietnam. I've taught in UAE Dubai, or Jabal, Saudi Arabia. And these are opportunities that I may not have had if I didn't stick with it or go do the education or believe in it to where these opportunities would have come traveling to these different places. So all that opportunity that has provided me in the growth as a person financially is all because of education. Well, yes. But let me offer kind of an alternative hypothesis. In addition to the education, you made some specific choices about what to study, where to study, and how to pay for it. And these factors, I think, can also affect your financial health. I mean, you mentioned your program where you had only two PhD candidates, yourself and a classmate at a given time. So the university is kind of limiting the number of PhDs that will enter the job market at any given time. And that's a good way to keep employment highly competitive and high paying. By decreasing supply, you tend to increase demand. So how does the person choose? I think because I have a lot, especially, that's a great question, because I have family members, cousins that are now getting ready to go off to school and they're facing those type of challenges. Where should I go? Which one is going to be the most cost effective? Which one is going to provide me the opportunity? I think a lot of times, definitely being in that local state that you're in saves a lot of money. If you look at the in-state versus out-of-state tuition, out-of-state tuition has sometimes doubled, even tripled, what the in-state tuition is. But I also think you have to seek opportunity. So applying for out-of-state or maybe where a program is that has scholarships or that has funding for you at different places. Cast that net and see, and your in-state is always a great place to be or to fall back on if none of these others work out or they don't have the program. But just going to a place just because or spending lots of money just because you want to go to that school or to that state or to that place, a lot of times could be very costly as far as in the future. And for me, I think we talked about before, for my doctoral program, when I was doing my master's program, I wanted to do my doctorate degree. I went up to my professor after one of my classes said, and this may sound funny, but I said, I could do what you do. No, I've said that to professors. And he said, if you're really serious about it. I mean, we're going through the semester and you saw how involved in going and talking to him and just involved in my assignments I was. So he said, if you're serious about what you said, we also offer a PhD, a doctoral program, where we pay for you to go. So I was able to take advantage. Being from Nebraska in the school in Alabama, being able to get my doctoral degree paid for, but that's because of that outgoing effort and finding out and talking to, using your resources, talking to your professors, talking to local business leaders in the community, getting involved in the community. That has provided lots of opportunity for me. I've been on the board of directors of a tennis association back in Columbus, Georgia. But that's because I was reaching out saying, how can I help you guys? How can I help this? I've only been here four weeks now, but I've already joined the Waikiki Yacht Club and showed my interest in there. I've joined the Rotary Club here, the USTA Tennis Association here, and various just community, but that's all about getting out there, meeting people in the community. If there's some community service event, I'd love to get involved into that, just to meet people, talk to the people, so people can see who you are, see what you're about and you can see. And a lot of times that sparks opportunity. What do you do for the kid who, you're fortunate because not only was there a demand for people with solid finance, education and experience, but you were also good at it. What do you do with the kid who is not good at some of the more attractive, more lucrative profession? I think what you have to do is find your profession, I mean, find your passion.  You have to have those type of ambitions and those type of goals if you want to be that person you're dreaming or the person you're expecting that you can be. And so, I think that's always been my guiding force is being the best I can be and in doing something you have a passion for. And so for me, financial literacy is something I do, I do that for free. Again, since I've been here, I've done a seminar at Tripler Medical Center on investing in retirement. And so I did that for their ICU and PACU units there. Again, I've been asked to come back whenever they have another career fair day I have, you know, being on this show, having this opportunity to take advantage of this platform just to push and talk about financial literacy. I've done it for various student organizations, community organizations back in Georgia. So it's something that I just found that I have a passion for. And just like you said, I would hear people say this all the time is, well, you gotta do something you're passionate about. And as an undergrad student, only passion I had was playing baseball. Here you go. I just wanted to play baseball, play sports. And so going, again, that education being that base, that foundation provided me to find what my passion was. And I mean, I had a sense of it. I knew in high school that I wanted to be in finance, but we didn't have finance classes. So I never still didn't know exactly what that meant. But going to undergrad, my mother would say, well, do something in computers. Computers are the future. I do something with accounting. Everybody needs accountants. And I was like, no, I want to do finance. I don't know what that means, but I want to do finance. And so for my undergrad, I was in finance. My master's was in finance. Stuck in my doctorate was in finance. It's just something I stuck with, started to develop a passion to see, okay, this is all what entails, and find my niche within that field. So I think, especially talking to if the high schools students are listening, you may not know exactly what it is, but you do know what you like. You do know things that you'd like to do. So you have to stick with it, find that passion in a long way. Like I said, do those things as far as community, as far as just pushing yourself, as far as providing a foundation of education, getting involved with your profession. If you know that's something you want to do, just finding an internship, going out and talking to these companies just to say, I work for free. I just want to be around it, get involved. People see your hard work, see your dedication, and you will be rewarded for that. So it sounds like you are building an argument for being willing to take calculated risks in order to attain whatever goals you set for yourself, be they financial, professional, personal, sports related, all of those things. I think the question then becomes, how do we prepare ourselves to make that calculation? How do I figure out as a person of my age in my profession, that continuing in this profession is meaningful versus getting out before the market changes and finding something that could be more lucrative, more long lived, et cetera?  I thought I'd be on Broadway. Neither one of us is doing those things. And yet somehow we manage to live lives of satisfaction and some very deeply held joy. For me, that has been going back to that diversifying yourself and understanding that, not just applying to portfolios, not just applying to retail or retirement, but also applying that to life. I've worked odd job, done these type of thing. I was a server at a restaurant, which was a very fun job because to me, I got to meet new people and have different conversations every night, every single table that I went to. So that was even a form of networking and meeting people in that city to say, oh, you're a college student and having that conversation with them. So I think you have to look at these things as opportunities. But like you're saying, on that path to finding what your passion is, I think you'll do other things that you'll have as fallbacks. That's why education needs to be a foundation that you have. And so from that, if you wanted to be an actor, if you wanted to go into sports, if you wanted to do these other things, nobody can guarantee, just like an investment, I wouldn't guarantee you any rate of return. I wouldn't guarantee, for stocks, I wouldn't guarantee you what your profit is gonna be. I can give you all kind of estimations, whether that's quantitative estimations or whether that's what I think it's gonna be. But I can't guarantee you, and I think that path of life is not something that's guaranteed to anybody. I think you just have to give yourself that diversification, those options along the way, but also have that foundation in mind. Yeah, well, it sounds to me like what you're saying is that we need to be able, not only to calculate risk, but that we are not going to have any return at all if we're not willing to step out in trust and in belief and in faith, really, that it is possible for us to attain the kinds of financial freedom that we'd like. Definitely, I mean, and I'm not sitting here saying I've never had my doubts even on the paths that I've chosen. I mean, I remember even going through the dissertation, sleeping in the office, thinking like trying to get finished with it and thinking just like, what if this doesn't panel? What if I don't pass that final? What if I don't? So there's a lot of self doubt along the way, but underneath all of that, you have to have faith or something that's pushing you, something that you're holding on to, whether it's the values that your family has instilled in you, whether that's the faith that you have in religion, whether that's just the belief that you have in yourself or maybe even a loved one. A lot of times, those provide a base and a foundation to help push you. Well, Sherrod, thank you so much for taking the time to join us. It's time for us to go, but we'll be back in two weeks to talk more about working together. This is Think Tech Hawaii and I'm Cheryl Kersher-Garcia. See you in two weeks. Bye-bye.


Welcome back to our USMLE Question of the Day with MedSmarter. Let's get to the question. As always, we start with the last sentence, which is the question of the vignette, and then we know what the question is going to be asking us. Which of the following would most likely be found in the biopsy of this mass? A 20-year-old woman presents to her physician's office with a small, firm mass in the lower, inner quadrant of her right breast that seems mobile when palpated. It is not tender. There are no overlying skin changes or nipple discharge. She has no family or personal history of breast cancer, so which of the following would most likely be found on biopsy of this mass? Take a minute, read the question again and the answer choices, come up with your answer, and put it in the comment box below. Okay, so the first thing we're going to do is we're going to find the things that are most important for us in this question. So age, 20-year-old female has a small, firm mass, and the location is in the lower, inner quadrant of her right breast. It is mobile. It is non-tender. Then there's no skin changes or nipple changes associated with this. We can also see that there's no personal or family history of breast cancer, so we don't have some risk factors. So let's look and see what could our possible answers be. Starting at the top with A, blue dome cysts and some atypical epithelial hyperplasia. Blue dome cysts are classically found with fibrocystic change of the breast, and I don't believe this is fibrocystic change of the breast, so I'm going to eliminate answer A. B, cells in a single file form. That is classic for infiltrating lobular carcinomas. I don't think this is a carcinoma at all. I think this is probably more like a fibroadenoma, so we're going to mark out B because this is not a classic cancer presentation. C, fibrosin stroma around normal-looking glands. That is a very good example of what a fibroadenoma is because they're small, firm, mobile masses, so they have normal glands around them with some fibrostoma. So I think C might be my answer. Let's continue on and read the rest of our answers first. D, large cells with clear halos. That's pageus disease. No, this is not pageus disease of the breast because of the skin. There's no skin changes. And then E, multicentric lobes with lymphocytic infiltrates. Lymphocytic infiltrates are classic of a bad prognosis with a cancer specifically, and I don't believe that's what we're dealing with, so we're going to mark E out, which leaves us with our final answer of C, which is a fibrosin stroma around normal-looking glands. And the correct answer is C, which is fibrosin stroma around normal-looking glands. What this is indicative of and what this question is telling us is a fibroadenoma. These are benign changes, typically in young females in the breast. It's a common tumor. They are classically described as small, firm, and mobile masses. We don't have any association with malignancy with these, and if you did a biopsy, you would see the fibrosin stroma with a normal ducts and normal glands. These blue dome cysts in A are seen with fibrocystic diseases of the breast, and specifically fibrocystic diseases of the breast do increase our risk of carcinoma. B, cells in a single file formation, as we mentioned earlier, is infiltrating lobular carcinomas. So you see either clustered or linear formations with these cells. Answer D, this is Padgett's disease. And with Padgett's disease, you do often see some skin findings associated with the development of this disease. And then finally, E, these are anytime you, like I said earlier, anytime you see any lymphocytic infiltrates, that is an inflammatory carcinoma, and that inflammatory carcinoma has poor prognosis.