Hi everyone and welcome back. Hope you enjoyed your long break, extended break. Alright, let's continue from where we left. So, when we talk about the Tabernacle, in the last session we spoke about, if you have to start talking about the Tabernacle, we start from Genesis chapter 3 and 2,500 years or approximately later, God has a resting place, a dwelling place here on Earth. And so, for 2,500 years, there was no resting place for Him. And a single man thought about building something or asking God about his dwelling place or his resting place for 2,500 years. Think about it, now today we say Jesus came 2,000 years ago and think of everything that has happened in 2,000 years and add another 500 years to it. And so, for those many years, there was no resting place for God here on Earth. So Tabernacle, as mentioned, was mending a tear that sin had separated us from the spirit of God.  And then we go on to see, once we start talking about the Tabernacle, we usually start talking from the outer courts. The altar and the labor, but we very rarely talk about the gate. We don't start from the gates as well, but that's where I'd like to start.  So Psalms 104 was to enter his gates with thanksgiving, his courts with praise. And we read about when Pharisees complain to Jesus and say, look at these children, what they are singing. And then Jesus courts Psalm 8. Haven't you read or heard that from the lips of infant, I have ordained praise? And why am I saying that? It says that there were children inside the courts, the temple gates in other words. And so gates was like an entrance to the outer courts. But the gate was made of four colors. It was the thick and some say it was opened, not like a gate would open wide like this, but it had like one of these curtains that you pull, it would go up. That's what they say, but again, I don't know. But it was made of four colors. It was made of blue, purple, scarlet and white. White is fine linen, also known as fine linen. We see in John chapter 14 verse 6, Jesus says that I am the way, the truth and the life. And John chapter 10 verse 9, he says, I am the gate. And whoever enters through me will be saved.  I am the gate, I am the way, the truth and the life. So why is that important? This is where we are being introduced. We are calling this a place of introduction, isn't it? We are meeting, we are encountering a Lord and Savior. We are being introduced to His grace and His mercy and to who He is. And again, we looked at the picture of the tabernacle, where on all the three sides, it was surrounded with white cloth, it's about six feet or so, but there was only one gate. There was no gate for every side. There was no East, South gate, West gate, North gate. There was only one gate. There was one way, right? So I am the way and that way would lead eventually to the presence, to the ultimate presence of God, which is the Ark of the Covenant. And so that's the place of introduction, as we can call it. And very quickly, we mentioned that the gate was made of four colors, isn't it? Blue, purple, scarlet. And each of those colors signify or symbolize something in the scripture. Scripturally, okay? The blue was always used to symbolize everything that is divine. When you read about it in Revelation and you read Ezekiel 1.26, it talks about like the sea of glass, which was like sapphire, like blue in color, right? So everything divine would be symbolized with the color blue, right? And so that symbolizes other portraits. Jesus as the Son of God is the Divine Son of God, right? The only Son of God, the Father. And then we look at, there's the color purple, right? Purple is the color of royalty, right? Things where there was a grain of their robes, right? It would be purple in color. It's the color of royalty. And so as my King, I obey him as the Son of God. I worship him and scarlet the color of blood red, right? Signifies or symbolizes the blood of Jesus, right? Who cleanses us and saves us, heals us and restores us. And then fine linen is his purity, his holiness, his righteousness, right? And so at the gate, we encounter Jesus in all his four offices, so to say, right? We encounter him as the Son of God. We are introduced to him as our King. We are introduced to him as our Savior. We are introduced to him as a spotless lamb, as a perfect man, as a righteous Son of Man. And Jesus is portrayed as all of this very differently in each of the Gospels. So if you read through the Gospel of Matthew, Jesus is portrayed as the King of the Jews, right? Where you see the color purple, right? And then in the book of Luke's, you see Jesus as the friend of sinners, right? Who came to save us, who shed his blood. And then in the Gospel of Mark, we see that he is a perfect Son of Man, righteous and sinless man. And in the Gospel of John, we see him as the Son of God, right? So all of these four Gospels portray Jesus very differently, right? And look, I am not an artist. I am not a painter. I can't draw for nuts and I can't color for... Yeah, like the worst. I can't imagine. But what I learned recently is just like an off note kind of the thing that I want to share is, you see in the book of Revelation and all of heaven, they have only one reason to praise him and worship him is that he is worthy. That's the song of the heaven. They sing that he is worthy, right? The lamb that was slain. He is worthy to open the scrolls, right? And worthiness and the worth was always associated with royalty. And that's why, you know, he's also worthy. Now, what I learned about colors recently is that if you want to buy a color pack, a paint pack, you will never find the color purple in any of the boxes. So you mix the color red, white and blue. So when you mix those three colors, you get the color purple. And so, you know, as Jesus who came as a perfect man and a sinless man, as a son of God, and who died for us on the cross by shedding his blood, all of these three offices made him worthy to be seated on the right hand side of the Father. And we call him as the King of Kings and the Lord of Lords, right? And so at the gate, it's the gate of introduction where we are introduced to the full. You know, he's the prophet, prophet, priest and king, right? Jesus, as we know it. So he's the gate, you know, and he says it in John 10, 9, I am the gate who enters through me will be saved. So that's a place of introduction. That's the first place you are in the tabernacle of Moses. And then we go on, now we go on to the outer courts, right? So the outer court, as we know, is had two furnitures. One is the brazen altar or the bronze altar, altar of sacrifice also known and the brazen labor. Let's call the brazen altar or the altar of sacrifice as a place of the reconciliation, right? It's a place of sacrifice. It's a place that symbolizes the cross where the ultimate sacrifice was done, right? Where the sinless and the spotless Lamb was sacrificed for us. Are you with me? Right? In John chapter one verse 29, you know, it writes the behold the Lamb of God who takes away the sin of the world. Now, until Jesus came, what was happening on the altar and on the Ark of the Covenant where the blood was poured on the mercy seat was a covering for the sin, right? It was not, what do I say? It was just a patchwork, so to speak, right? Like a temporary fix, but the ultimate fix solution for the problem was paid through Jesus. Our ultimate sacrifice, right? It was a place of surrender. It was a place where you would lay down your will and we learned quite a bit about the altar, isn't it in previous classes where we are not encouraged to just build altars but to be on the altar. And because of what Jesus did, now we are reconciled. This is another image of the cross that we are learning here. What was torn, what we thought was torn, Jesus mended it. And this was again shown in the Pabernacle of Moses as a temporary fix, as the altar of sacrifice also known as the place of reconciliation. Okay? Are you all with me? And so, one of the things that we can learn from this thing is that again, we are encouraged to offer up our bodies as living sacrifice as Paul writes in the Romans chapter 12 verse 1. We looked at that verse before, so not going to go deep into it. Yeah, so the altar of burnt offering, that's the place of reconciliation. And the next place that we are introduced, next thing that we are introduced is the water basin. The brazen laver or the place of sanctification. We're going, okay. So in Exodus chapter 30, I'll just go through and read the scripture that's in the notes. Exodus 30 verse 17 to 21, it says, you shall also make a laver of bronze with its base also of bronze for washing. You shall put it between the tabernacle of meeting and the altar. Okay, you shall put it between the tabernacle, the inner courts and the altar. And you shall put water in it for Aaron and his sons shall wash their hands and their feet in water from it. When they go in the tabernacle of meeting or when they come near the altar to minister to burn an offering made by fire to the Lord, they shall wash with water lest they die.  And it shall be a statue for ever to them, to him and his descendants throughout their generations. Now, there's a couple more scriptures you can read in Leviticus chapter 8 verse 5 and 6. They had to wash, it was a place of washing and cleansing. And I think there's another passage that I forget where it was, where it talks about it. It mentions that the inside of the laver was made up of mirrors that was used by women. I forget the reference part, if anybody can find it, just share it on the chat section. Okay, so why is this important? It was a place of a sanctification or a purification, right? Because the priests would work with the sacrifices, their hands would be messy, you know, with, say, wood and be black in color, blood in their hands, their feet would be dirty and whatnot. So before they would enter the inner courts or the holy place, they were commanded by God to wash their hands and their feet before they enter. It was a place of sanctification or purification. Now, today, now the hands symbolizes works. It symbolizes work, work, right? But we don't work for our sanctification, we don't work for our salvation. It was given to us freely by God, right? He died for us while we were yet sinners, Jesus died for us, right? So we don't attain salvation by working with any of our doing, so to speak. Okay, but yet we need sanctification and we need purification because we continue to walk this walk of life, of faith. It's an imagery, it's a metaphor, right? We continue to walk, we continue to run this race. So we read that in Ezekiel 36-25, it says, I will sprinkle clean water on you and you shall be clean from all your uncleanliness. And from all your idols, I will cleanse you, right? And John 131, if I'm not, if I'm right, it says, I think John the Baptist, he says, I myself did not know him, but for this purpose I came baptizing with water that he might be revealed to Israel. So again, the imagery, the use of water there. And you remember the first miracle of Canna? He turned water to wine. Yes. Now, there were six jars that were used, that were set there, isn't it? And that was filled with water, the stone jars, as we call it now. Now, those six, the six jars of water, huge jars of water, those jars were kept separately for purification. The priests would use that water to again wash their hands, their feet. It was a water used for purification, for cleaning. And so Jesus turns the water that was set apart for priests to clean into wine. Again, that symbolizes blood. You see how he uses imagery, so you can go back and forth, back and forth. Right? And another thing that I want to mention is why I wanted to stress that the internal part of it was made of women's mirror is in James chapter one, verse 22 and 25. Can someone, wait, let me just see if I can find it. Let's go to James chapter one. It talks about how God's word cleanses us, how his word is like a mirror. Right? So James chapter one, verse 22 onwards, it says, But be doers of the word and not hearers only, deceiving yourself. For if anyone is a hearer of the word and not a doer, he is like a man who looks intently at his natural face in a mirror. For he looks at himself and goes away and at once forgets what he was like. Verse 25, but the one who looks into the perfect law, which is, you know, law means the word of God, the law of liberty, and preserves, I'm sorry, impersive ears, being no hearer who forgets, but a doer who acts, he will be blessed in his doing. And so we see that the place of sanctification, the bronze labor represents all these things. Right? We need to constantly be cleansed, you know, and by the reading of the word, we ask Jesus to wash us. And eventually we read about, you know, where Jesus in chapter 13, verse five, John chapter 13 verse five, where he took a basin, he filled it with water and he started washing the feet of the disciples, not their hands. That's it, right? That means, again, what? It's signified that they have walked long distances and their feet is dirty, so they need to be cleaned. And so we walk this walk of life of faith every day and we need cleansing. We need purification. We need sanctification. Right? All good, right? So far. Okay. We've gone through the place of introduction and we've gone through the place of reconciliation, which is the altar of sacrifice. And we come through the altar of sanctification, which is the bronze labor, where we see the God's word purifies us. He cleanses us. He washes us. Right? And then after which that is the outer courts. And now we enter the inner courts. Right? Again, there was a curtain that separated us. They had to enter through the curtain from the outer court to the inner court. And as soon as you enter the inner court or also known as the holy place, not the most holy place, but the holy place, you are introduced to your right. As you enter to your right, you find the table of shoe bread. We call this the place of satisfaction. Okay. This is the satisfaction. So the bread that was kept on the table was also called as the bread of the face. In other words, the bread was kept before the face or the presence of God. The throne room overall is also known as the room of the face. That means its face represented the presence. That's what the face was used there. When the Bible says that he spoke with Moses face to face, that means the most intimate one is there in the room. And that's what it is. Okay. And why we call this a place of satisfaction? You can read about it. Actually, let's read about it in Exodus, chapter 26. That's 30, 35, 37. It's in the notes. It says, And you shall raise up the tabernacle according to its pattern, which you were shown on the mountain. You shall set the table outside the veil and the lamp stand across the table on the side of the tabernacle towards the south. And you shall put the table on the north side. You shall make a screen for the door of the tabernacle, woven of blue, purple and scarlet thread and fine woven linen. Again, you see those four colors made by a weaver. And you shall make for the screen five pillars of acacia wood and overlay with gold. Their hooks shall be gold. And you shall cast five sockets of bronze for them. Okay. It's a table of showbread. And on this, there would be 12 loaves of bread that would symbolize the tribes of Israel. It's a place of satisfaction. The bread and again, John, chapter six was 35. We see Jesus say that I am the bread of life. He who comes to me shall never hunger. And he who believes in me shall never thirst. And same chapter in verse 51, he says, I am the living bread which came down from heaven. It's the place of satisfaction. If anybody wants a reference, I just, it was John 633. That is for the bread of God is he who comes from heaven and gives life to the world. And verse 35 goes on to say that I am the bread of life. Okay. And it also represents communion, breaking the bread. So this is the table of showbread is the place of satisfaction. And then opposite to the table of showbread is the golden lamp stand. We're calling this the place of illumination, or in other words, a place of revelation, right? A light. Let's read the scripture. Now, okay, guys, it's just one as a side note. We are not all of these furnitures, pieces of furnitures can be looked and studied in detail, you know, but we are just kind of going through the overview of all of this. You know, I felt like we don't need to go too deep into studying the each pieces of furniture in detail. So just giving us an overview of all these. All right, so let's read. I'm reading from your notes in Exodus 26 was 303537. It goes on to saying you shall raise up the tabernacle to its pattern, which you were shown on the bread. You shall set the same scripture that we read before and the lamp stand across the table in the side of the table towards the south. And you shall put the table on the north side. You shall make a screen friend over one with blue, purple and scarlet thread and with fine woven lead and made by a weaver. Okay. And Exodus 27 2021. And you shall come on the children of Israel that they bring pure oil of pressed olives for the light to cause the lamp to burn continually. The lamp was never to go off. It was the responsibility and the duty of the priest to make sure that the lamp was always burning day and night. Excuse. Are we calling this a place of revelation or illumination? And what does, you know, light brings it helps us see, isn't it? It kind of opens our eyes to, you know, in the natural. See, God always uses the tangible to explain or teaches about the intangibles. Right. He would always use the natural to teach us about the supernatural. Right. So he's using the lamp stand in other words, you know, to teach us something about the ultimate light of the world. Right. That is John chapter eight verse 12. Jesus says, I am the light of the world. Right. Whoever follows me will not walk in darkness, but will have the light of life. That means he will walk with the revelation. He will live his life. He will do everything that he has to do. He or she has to do with the revelation that I provide because he is in me and I am in him and I am the light of the world. Right. Are you with me? Okay. So that place is the place of illumination. And as another scripture that I'd like to give us is John chapter one was four and five. John one was four and five. It says in him was life. And the life was the light of men. And the light shines in darkness and the darkness was not and darkness has not overcome it. I don't know how far this is accurate. I'm not a medical student, but the science say the blood is actually congealed light. So I didn't, I haven't got the time to actually study on that statement. But it says the blood is actually congealed light.   You know, and him was life and that life was the light of men. I'm like, yeah, sure. Okay. I may not understand science, but I understand this. Right. So the golden lamp stand. It was beautiful piece of furniture. It was made up of one piece. It was made with gold from from the branches. And it's signified an almond branch and a branch of an almond tree. Right. I'm not sure if you remember the vision that Jeremiah has in the beginning of the book of Jeremiah. And God asks Jeremiah, what do you see? I see an almond tree, you know, first time I read that, okay, so this is an almond tree. What's the big deal about it? You know, he sees an almond tree and then God goes on to say, I will do a new thing. And so in their culture, in their region geographically, after the winter, the first plant or the tree to spring forth is the tree of the is the almond tree. And so that symbolized the season of new beginning. Right. And so it's something about the almond tree and, you know, their culture and their region. So what God was telling Jeremiah is that I'm getting ready to do a new thing. That's what you're seeing. And the place of revelation or illumination is kind of showing us that, you know, what God is constantly doing in our lives. Right. Guys, am I going fast? Are you all with me? Let's move to the last piece of furniture in the inner courts. That is the golden altar of incense. Golden altar of incense. This is the altar of intercession. Okay. So we'll read. Actually, can someone read that Exodus chapter 30 verse one to nine? Please, if you don't mind. Exodus 30 verse one to nine. If anybody can, because I've been reading quite a lot. 30, right? 30. You shall make an altar to burn incense on. You shall make it of acacia wood. A qubit shall be its length and a qubit its width. It shall be a square and two qubits shall be its height. Its horn shall be of one piece with it. It shall overlay its top, its sides all around and its horns with pure gold. And you shall make for it a molding of gold all around. Two gold rings you shall make for it under the molding on both its sides. You shall place them on its two sides and they will be holders for the poles with which to bear it. You shall make the poles of acacia wood and overlay them with gold. And you shall put it before the veil, that is before the ark of the testimony, before the mercy seat that is over the testimony where I will meet with you. Aaron shall burn on it sweet incense every morning. When he turns the lamps, he shall burn incense on it. And when Aaron lights a lamp at twilight, he shall burn incense on it. A perpetual incense before the Lord throughout your generations. You shall not offer strange incense on it or a burnt offering or a grain offering, nor shall you pour a drink offering on it. And Aaron shall make atonement upon his horns once a year with the blood of the sin offering of atonement. Once a year, he shall make atonement upon it throughout your generations. It is most holy to the Lord. Thanks, John. This is the place of intercession, the altar of incense. You can continue reading about it in the same chapter, Exodus 30, verse 34 and 238. You will see that there were four, it was a mixture of four different ingredients, spices that was used. And as when you enter the inner courts, there was no escape for the smoke to go out. So the inner court would be filled with some of the Indian homes. They put these smoke, no, it would have been like that. Yeah, it's called something in Tamil. But yeah, another scripture that I was reminded about is Psalm 141 verse 2. It says, let my prayer be counted as incense before you. And the lifting up of my hands as the evening sacrifice. My prayer be counted as incense. That's why we call this as a place of intercession. And revelation, we talk about the bowl of incense where the prayers of the saints was offered as in a bowl of incense. So those are all imagery of intercession. And we see that John in John 17 verse 1, that whole chapter is Jesus is praying. In other words, he's interceding for us. John chapter 17 verse 1 is saying, Father, the hour has come to glorify your son, that the son may glorify you. And then he goes on to make an epic prayer in that chapter. So the altar of incense was the altar of intercession. So the high priest would come, he would intercede for the nation of Israel on behalf. So intercession simply means standing in the gap between you and the nation. I'm coming and standing in the gap interceding what Abraham does, isn't it? Lord, if I finally stand, righteous people, will you leave? Will you overlook the city? If you look, if you find at least one, will you overlook this and not judge these people? So what Abraham was doing was interceding. It was an altar of intercession was very important. It was an altar of prayer, that symbolized prayer. Okay, so there were three pieces of furniture. We're calling this a place of intercession. So in the inner courts or the holy place, there were three pieces of furniture. One is the table of showbread, which is a place of satisfaction, a golden lampstand, a place of the illumination, and the golden altar of incense, which is intercession. And now again, there was a thick curtain that separated the holy place from the most holy place. We enter into the holy of holies. Now here's the thing. In the outer courts, you can praise with a group of people, with the crowd of people. I will enter his gates with thanksgiving, his courts with praise. The space was huge. You could, whatever concert hundreds of people could praise. And when you come into the inner courts, there's no enough space, but then there's two responsibilities that needs to be taken care of. So you can praise with the crowd of people. In the inner courts, you could serve with a group of people, 10, 13. But you can only worship him face to face. You could praise him with the crowd of people in the outer courts. You can serve him, do ministry, lead a church, everything, with a group of people, with a team of people. But you could only worship him face to face. It is in the holy of holies where we experience the Psalm 46 verse 10, be still and know that I am God. In the outer courts, there was the natural sunlight. And in the inner courts, there was the light from the golden lampstand. But in the holy of holies, there was divine light, which was the light of the glory of God. And when we started this journey of studying about the tabernacle, we started from the gate, way out in the gates, and then the outer courts and the inner courts, and then finally the holy of holies. But when God tells Moses to build the tabernacle, he starts in Exodus 25, he starts from the inside, from the Ark of the Covenant and then goes outside. That is the progression which is followed. You know it when you read it. From Exodus 25, he starts, gives the commandment on how to build the Ark of the Covenant. And so another way to look at it is that he's always bothered about the inside. He's always looking on the inside. That's what matters to him. What you do on the outside with the crowd of people, with the team of people, all that's great. It's appreciated. It's commended. But it finally comes down to that one-on-one conversation with him. And that is the holy of holies. And once a year, the high priest would go in and pour the blood on the mercy seat. It was an atonement for the nation of Israel. We call this the holy of holies. The most holy place. There's a bunch of scriptures that is mentioned in the notes. You can go through it all. Yeah, so that is the tabernacle of Moses. We see again, see the order in it. Nobody came in doing whatever they felt like doing or dressed up as any way they wanted to. God was very specific in his detail about how this tabernacle had to be built, what needs to be done. And later, when you study more deeper, we know that the tribe of Levites were the priestly tribes. But the tribe of Levites had three different clans. Levite has three different sons. You'll read about it in the book of Numbers. And each of those clans had a different responsibility. And the clan, the Kohathites that the Aaron is from, only they were responsible of carrying the Ark of the Covenant. So all the Levites were priests, but not, you know, but not, excuse me, I want to say all priests were Levites, but not all Levites were high priests. So they had to come from a particular clan called the Kohathites. And every time you read about this in the Old Testament, where the people were carrying the Ark of the Covenant, and specifically it mentions that the Kohathites were carrying the Ark of the Covenant. So the Kohath was one of the sons of the Levite. Okay, so it gets very interesting when you want to go deeper and want to study about the tabernacle of Moses. It's just a wonderful, wonderful, you know, I encourage every Christian to study about it, just to learn because of, you know, things that it has to teach us. All right, any questions so far, guys? I've been going on and on for a while. So any thoughts that you want to share or anything that's one thing that stood out from what you've learned today? Okay, that's fine. So, you know, we'll conclude with this one thought. I just wanted to share is, you know, when Jesus died on the cross, we see that the mountains trembled and the earthquake happened and the curtain in the temple was torn, right? And it also very specifically says it was torn from top to bottom, not from bottom to top. If it mentioned that it would entail that somewhere a man tore it from down, you know, but it was torn from top to bottom. And that means now that the veil is torn, you read about it more in the book of Hebrews, the veil is torn. And then, you know, it signifies John chapter 1 verse 14, the word became flesh and dwelt among us. That means he came from his throne, from the Holy of Holies that he came into our place and he broke the bread of communion, the table of sure. But that means he came to fellowship with his people and he dwelt. So the study of the tabernacle of Moses is so much more deeper than just to study about worship. All right? So that's about it for today's session. Nice office, Paul. Okay, so if there's no thoughts or any questions, we can stop here and resume next week. All right? Great. Thank you for joining. God bless you. Take care. Have a good one.


So let's just add a couple of these. I'm gonna jump on over to the business expenses to the reservists So I'm gonna say, okay I'm on 2106 a military reservists net unreimbursed travel Expenses so I'm gonna say unreimbursed travel expenses and I'll say let's put all of them here And then let's say there was travel travel while away and Let's go boom and then if I pull that over now, we should have the form 21 06 2106 which is calculating the expenses in the vehicle expense. We'll talk more about this Worksheet for vehicles and miles and stuff when we apply it to Calculation of like the mileage method and whatnot with a schedule C versus actual But just to get an idea here the total expenses of the 1,000 and then that's pulling on over to the schedule one. So the schedule one on Page two I should say now has the 1,000 here and that will sum up down below and that's gonna pull into this 1040 now not on the schedule a but the above the line deduction Which means that even if you are not itemizing you're not a wealthy individual mostly wealthy individuals or people more Affluent will be itemizing that means that if you qualify here You can still get it because the above the line deduction bringing the adjusted gross income down to the 99,000 Which also has an impact on the the the phase outs of like deductions and credits So that's actually beneficial too if you have a lowering here as opposed to just a lowering of the taxable income through an itemized deduction because of the benefit of usually with the phase outs of other types of things Standard deduction gets the tax down to the 8650 so let's I'm not gonna do it in an Excel because it's fairly straight forward and And so I just want to do it in here. So let's do another one. Let's say we jump on over and Let's say we have a performing artist So I've never dealt with a performing artist situation for but we're gonna say they're a qualified performing artist Alright, cool I'm an artist I Occupation of different to do qualified performing artist So again, you have this similar situation where you've got that, you know the schedule 2106 pulling into the schedule 1 and page 2 Which pulls in to the form 1040 and then the other the other item is the free business the fee business So I'm gonna go here and say okay, and then we would check This one out qualified performing artist versus Handicap or a fee based government official, which would be a 3 which would be the entry number Which again, and this is just in the cert tax software, which would populate the 2106 once again And then pull it pull it into this schedule 1 page 2 Which then ultimately pulls into the form 1040 so the point being there It's much more restrictive than it was before and you'd have to have people that are going to qualify for those particular areas in order to be in order to be benefiting from that particular deduction or adjustment to gross income


Hello, you're watching the Daily Roundup by People's Dispatch where we bring you some of the major stories from across the world. Let's take a look at the headlines. Sri Lankan Prime Minister Mahendra Rajapaksha resigns. New Zealand health workers begin protests. People across the world mark the defeat of the Nazis in World War II and study chronicles alarming decline in bird population. In our first story from Sri Lanka, Prime Minister Mahendra Rajapaksha resigned on Monday, that's May 9. This follows weeks of mass protests. Here in the day, supporters of the Prime Minister and his brother, Gautabhaya Rajapaksha, who was also the president, had attacked anti-government protesters. This pro-government mob had torn down tents erected by the protesters and beat them, leading to dozens of injuries. The violence took place despite police presence and the police were reportedly unable to control the mob. The resignation of Rajapaksha comes as massive protests have been taking place across the country due to the declining economic situation. The crisis has led to a huge decline in the popularity of the Rajapakshas as well, who had won massively in elections held in 2019 and 2020. On Sunday in fact, Prime Minister Mahendra Rajapaksha was booed by protesters while visiting the Buddhist temple in Anuradapura. The economic crisis has led to a dire shortage of essentials such as food and fuel, with ordinary Sri Lankans facing power cuts and even shortage of medicines. The government has failed to find a response to the crisis and has brought the IMF for funds. It is expected that the IMF package itself will come with stringent rules on spending which might even intensify the crisis faced by the people. The government has imposed an emergency twice since April. Last week, two no-confidence motions were filed in Parliament against the government. Moving on to our next story, over 10,000 allied health workers across New Zealand have embarked on industrial action. Organized by the Public Service Association or the PSA, the action which began on Monday, May 9th, comes after 18 months of negotiations between the unions and district health boards failed to yield any results. Workers have taken to a working to rule policy. This means that they will not perform any more than what is stipulated in their contract. The working to rule will be in place for two weeks along with other collective actions such as schedule time-offs and refusing overtime work. Workers have not publicly stated their demands with the unions stating that it is confidential as negotiations are still ongoing. But the DHB's failure to address staffing shortages is prominently highlighted by the industrial action. Workers have often complained in the past of being overworked, especially during the COVID-19 pandemic. Health workers grouped from over 70 different job profiles are part of the action, including mental health workers, anesthetic technicians, dentists, contact tracers, laboratory technicians and social workers. The PSA organized a vote for industrial action in February when workers by an overwhelming majority of over 90% across all DHBs came out in favour of a strike. The planned strike which was scheduled for March was scuttled by the Employment Court in a last-minute decision in favour of the DHBs, who argued that the stress it could place on the healthcare sector could be disastrous. We now move on to our third story which is about Victory Day which marks the defeat of Nazism and Fascism across the world in World War II. People have been commemorating this occasion in many places, especially in Russia, at a time when tensions are high due to the war in Ukraine. The Soviet Union played a decisive role in the defeat of Nazi Germany in the Second World War, losing 13% of its population and being responsible for over 70% of German deaths in battle. However, the Berlin police made sure to ban Soviet flags in St. George's Cross Medals during the Commembrations in Germany on May 8th. This was widely condemned by progressive sections. There has been a larger trend in Europe of equating Nazism with communism, even as many governments have overtly and covertly supported neo-Nazi groups. Many of these neo-Nazi groups and right-wing groups seek to propagate a revisionist version of history, according to which the Soviet Red Army, which liberated large parts of Europe from the Nazis, is portrayed as an occupying force. Meanwhile, on May 7th, progressive sections in Croatia marked the liberation of Zagreb from the fascist forces. On May 8th, 1945, partisan units crossed the river at the historic Freedom Bridge, finally ousting the Nazi-backed Ustashe regime responsible for over 30,000 deaths over the course of the four-year occupation. The commemoration was organized by the network of anti-fascist women, which for the past seven years has tried to rebuild remembrance of Zagreb's contribution to the resistance and defiance in the face of the Ustashe. Participants highlighted the fact that Nazism is not over and pledged to continue the struggle against such forces. And finally, there has been a staggering decline in the global bird population, concludes a study comprising scientists from multiple institutions. The concerning fact is published in the journal Annual Review of Environment and Resources on May 4th. The global decline of this avian population is attributable to factors related to human activities. Scientists say that climate change, loss of habitats and overexploitation are the primary contributors. Moreover, authors caution that climate change can be identified as an emerging driver of the bird population's decline on a global scale. The study found that around 48 percent of existing bird species worldwide are declining in their population. However, the study estimates suggest that 39 percent of the species have a stable population, 6 percent of the birds are showing an increasing trend, while the status of 7 percent is unknown. The findings bolstered a previous finding of 2019, which estimated that nearly 3 billion birds across the U.S. and Canada were lost in 50 years. The researchers have expressed hopes for avian conservation efforts. However, they emphasize the fact that transformative changes are needed. According to one of the researchers, the bird population depends strongly on habitats, and there is an urgent need to stop the loss of habitats to protect biodiversity. That's all we have time for today. We will be back tomorrow with more news from around the world. Until then, keep watching People's Dispatch.


Item Number – SCP-433 Object Class – Euclid Special Containment Procedure – Only one copy of instructions for performing SCP-433 is permitted to exist at any given time. As well, the complete procedures may never be placed in an electronic document in order to reduce the risk of containment breach. Dr. Severe and Dr. Wood have each read half of document SCP-433-001. They may not transcribe or share the contained information with anyone, including each other, without O5 approval. In the event that information regarding the procedures necessary for SCP-433 is leaked, a disinformation campaign is to be undertaken immediately. As well, all facilities capable of producing Plutonium-238 are to be closely monitored for thefts or increased production. Description – SCP-433 is a ritual described in document SCP-433-001. The ritual, when performed, results in the wholesale replacement of all matter within 11 meters of the center of the ritual. All people, objects, terrain, and even gas, is apparently removed and replaced with matter of unknown origin. Document SCP-433-001 is contained within a large tome found in Russia. The tome appears to be a grimoire of rituals, all written in Latin. The grimoire was discovered next to a spherical crater 22 meters in diameter, left open to document SCP-433-001. Due to the strange nature of the circumstances surrounding its discovery, the foundation confiscated the grimoire and filled the crater. All rituals described in the grimoire were tested. However, only SCP-433 yielded any result. It is worth noting that the majority of the rituals described in the grimoire contained one or more unknown symbols that could not be translated. SCP-433 was one of only three that did not. The grimoire itself is printed on normal paper and bound in leather and displays no anomalous properties. Some of the materials required for SCP-433 include three human skulls, tin, potassium nitrate, ice, a coil of copper wire, plutonium-238. Note, Dr. W... The need for plutonium-238 is something of a blessing in disguise. Even if knowledge of SCP-433 were to be leaked, the difficulty of acquisition means very few would be capable of performing it. This is the translated text at the top of document SCP-433-001 describing SCP-433. Should the need arise to flee and you find yourself sapped of unknown symbols, do not despair. The dance of unknown symbols will guide you to safety. Be warned. Even the unknown symbols may perform the dance of unknown symbols. Do not let them into our home. Test Log, 433-031. Test 433-1. This was the first attempt at performing the ritual detailed within SCP-433. All instructions were followed precisely by Dr. W and several junior researchers. In the video log, which has since been destroyed, the instant the final step of the ritual was performed. A loud crash can be heard, and the entire ritual area, including Dr. W and his assistants, vanished. The area was instantly replaced by a large spherical block of stone. Analysis reveals the stone to be made of ordinary granite, with no detectable anomalies in its composition. Neither Dr. W nor his assistants have been located. By order of 05, all further testing with SCP-433 must be performed using Class D personnel only. Test 433-2. SCP-433 is performed by data-expunged Class D personnel. Upon activation, the ritual area and all participants vanished, leaving behind a section of dirt of roughly the same dimensions. The dirt was dark purple in color, and contained several plants of unknown species. Analysis of the air revealed it to have apparently been replaced as well. Gas samples taken revealed the nitrogen and methane concentrations in the room to have increased by 5% and 2% respectively, while the oxygen concentration dropped by 6%. The actual concentrations in the replaced air are theorized to have been of a greater difference than that, due to the mixing of the gases upon completion of the ritual. Tests 433-3, 433-4, 433-5, and 433-6. Several attempts at performing SCP-433 were made, while using slightly varied procedures and items then listed in Document 433-1. Test 433-3. Plutonium-238 replaced with Plutonium-239. No result. Test 433-4. One human skull is replaced with a skull of an orangutan. No result. Test 433-5. Step 7 is omitted from the ritual. No result. Test 433-6. Expunged individuals, instead of expunged, are included in the ritual area. SCP-433 activates successfully. The ritual area is removed, but no solid matter replaces it. Instead, the entire ritual area is replaced by gas of concentration similar to those from Test 433-2. Test 433-7. Ritual performed successfully, following exact procedures outlined in Document 433-1. Ritual area is replaced by a sand-water-salt mixture, similar but not identical in composition to that of ocean water. Several fish-like creatures of unknown species are brought as well. The creatures expired shortly after arriving. Dissection of the creatures. Despite being interesting from a biological standpoint, yielded no useful information as to the nature of SCP-433. Test 433-8. Ritual performed successfully, following exact procedures outlined in Document 433-1. Upon activation, the ritual area was replaced with a half-sphere composed of a dark brown clay. Standing in the center of the circle was a previously unknown creature, nearby designated SCP-433-1. While vaguely humanoid in appearance, it possessed several chitin-like plates covering various parts of its body. SCP-433-1 was approximately three meters tall, with gray skin, and no discernible eyes or mouth. For approximately six seconds after SCP-433-1 appeared, all personnel in the area reported vividly seeing a rapid succession of images, after the conclusion of which SCP-433-1 raised its arms, and vanished. With it vanished the entire area that had been transferred. The original ritual area then reappeared, complete with terrain, objects, and participants. All ritual participants, without exception, had been dismembered. Legs, arms, and heads were separated from their respective bodies via perfectly smooth, clean cuts. As well, the data expunged at the center of the ritual circle had been shattered. All personnel reported the images to be as follows. A group of nude humans appearing to perform SCP-433. Several Foundation personnel reported that all humans in the images were identical to one another. A human skeleton, with an instance of SCP-433-1 standing over it. A large modern city, believed to be lying in ruins. The night side of the earth is seen from space. No lights are evident. None of the affected individuals reported any lasting effects from the experience. Addendum 433-1. Due to the results of Test 433-8, and by consent of O5-3, and Dr. All testing on SCP-433 has been suspended, indefinitely. Lesson complete. If you missed the previous orientation, go watch SCP-432, Cabinet Maze, right now. Or for the complete course, watch this playlist.


The automotive industry's reliance on fossil fuels has led to significant environmental damage, including climate change. To reduce these effects, we must transition away from traditional combustion engines and toward electric vehicles. This transition requires a shift in consumer behavior as electric cars are currently more expensive than their gasoline counterparts. In order to make electric vehicles more affordable, researchers have been working to improve the materials used in batteries, such as cathodes and anodes, in order to increase energy density and decrease costs. Additionally, manufacturers should take advantage of economies of scale and process improvements to lower costs over time. By 2030, it is estimated that electric vehicles will become competitive with gasoline-powered vehicles, allowing them to reach a wider audience. This article was authored by Gert Berkman's, Martin Messagie, Gels Meekens, and others.


Hey hello friends welcome again to another session on problem solving and we are taking up problems from mechanics chapter in physics and this is related to motion and we are talking about uniform and you know uniform speed and velocity okay. So this question says that a car travels first half time first half time with the uniform speed again this is the case of uniform speed and that is u for the first half time he travels at a uniform speed of u and the next half time with a uniform speed of v and the demand of the question is find the average speed okay. So in the previous session if you noticed the case was the object was travelling for half the distance with the constant speed and next half distance with the constant speed v in this case it's they are talking about time right half the time so it's speed u and next half the time speed v. So as discussed in the previous case first step should be draw a representative diagram always helps in understanding the problem. So let's say this is a total distance travel and it's always good practice to you know label it let's say a is the initial point or position b is the final position and let's say it is in the first half time it covers a distance d1 let's say now what one general misconception is in half time they will travel the half the distance no that's not correct why because the speeds are different for the different timings. So hence don't say that they will be covering the same distance same amount of distance in both the half times because so let's say a journey of 100 second was there and the first 50 second the speed was different 20 meters per second and let's say in the second 50 second half of the journey that is from 51st second to 50 you know from 50 second onwards 200 seconds and in the second half of the journey that is from 50 second onwards 200 seconds let's say the speed was 40 meters per second so the speeds are different so obviously in the same time they would be traveling different amount of distances I hope that is clear to all of you now it's also given that the velocity or the speed rather you know is u in the first case and from p to b it is v and it's also given that throughout the journey it's constant so this is constant here constant speed constant speed journey or that's called uniform motion you know this and this is a constant speed constant speed again right here it is u here it is v now these are straight line in a straight line they are traveling their uniform motion otherwise speed anyways is going to be constant in uniform motion velocity is constant where direction as well as speed has to be constant so please have the clarity in your mind now in this problem they are not talking about velocities at all they are talking about speeds we need not be a straight line but anyway so half the distance traveled or not half the distance let's say d1 distance traveled in half the time so let's say this total time taken for the entire journey let's say that is capital T okay this is a total time taken so all the variables have been mentioned in the diagram itself self-representative right so hence this is t upon 2 I hope this is clear because this is half time and this one also this journey took t by 2 time you know seconds right okay now let's try to go for the you know what is the conceptual understanding here so we know that speed is equal to distance upon time distance traveled upon time taken for that distance travel okay so there are two cases what is this case case one is from a 2 point p what is the distance d1 what is the time taken capital T by 2 and what's the speed u so how are they related u is equal to d by t upon 2 right distance divided by sorry d1 not d d1 right so what is d1 guys if you see d1 will can I write d1 as d1 will be u into t upon 2 right cross multiplication simple mathematics now case 2 what is case 2 when the body is or the car is moving from p2 be clear what is the speed in this case v what is the distance traveled d2 and what is the time taken capital T by 2 all mentioned in the diagram check right so what can I say v is equal to d2 upon t by 2 again is it it so can I say d2 is equal to v into t by 2 right this is d2 yeah this is d2 very good so let us you know it's all also a good practice to keep numbering the equations or results which you get so 1 and 2 like that okay now the demand of the question let's go to that so average speed average average speed will be nothing but what will be the average speed for any case it's total distance traveled total distance traveled divided by total time taken isn't it total time taken so let's find out the total distance total distance was a b and how much was that d1 plus d2 is the total distance some of the two distances divided by capital T total time taken was capital T isn't it let's see if you can eliminate all these variables what is d1 if you check equation number one it is u into capital T by 2 and what is d2 check equation number two it's v into t by 2 and divided by capital T I hope this exercise is clear now what happens you can take t by 2 as common and what is there u plus v in the numerator and in the denominator is it is t so hence if you cancel this t and this t you will get u plus v by 2 and dear friend this is the average velocity so the time span is same the average velocity is nothing but the average of the other mean of the two velocities right so hence if it goes in the same time from one point to the other with you and from this point to the other point with v if the time taken is same the average velocity for the entire journey will be u plus v by 2 right this is the learning you can actually keep this result in your mind and let's say whenever you are facing a mcq type questions in any comparative exams like ntsc kvy or rather for that matter engineering entrances or neat entrances as well you can keep this result in mind


Socioeconomics also known as social economics is the social science that studies how economic activity affects and is shaped by social processes. In general, it analyzes how societies progress, stagnate, or regress because of their local regional economy, or the global economy. Societies are divided into three groups, social, cultural and economic.


My name is Jess Fishlock. I play for Wales and I'm a female footballer. I started playing football when I was really young. I was at seven. I have a big family and so I basically just grew up with sports all around me and football was the one that I fell in love with. One of my biggest career highlight is obviously being the first person ever in Wales to get 100 caps. That was a moment for me that I think will always be my most cherished moment of my whole career. On top of that, winning leagues in Holland and Australia and America. But the one thing that means the most to me is playing for Wales. It really is something that you can't put a price on. You can't put an award achievement on it. It truly is the best feeling in the world. Being nominated for the St Davies Awards means the world to me. It's something that I'm really excited about. I'm really honoured to be nominated for. It's just brilliant.


What's up everybody, Jason here for JaspysCaseBrace.com. We just sold out a limited R&B for the remaining 21 teams in Pikachu number five guys. This would help sell out the break guys and instead of selling all 10 spots, we only sold seven. So we're gonna give away three free spots. So if you bought a spot in this filler, you have a chance to win a couple more free spots. Now you get a piece of these 21 teams guys, which is a lot of teams there guys, a lot. A lot of big teams too. So definitely good chances of getting some hits. And I'll paste the teams right here right now for you guys. Whoa. Anyway, I'll paste it off there a little bit right now. Like this, but that's not coming out like that. I'm gonna have to paste. There it is. So you get a piece of those 20, 21 right? Hold on. We got the Pittsburgh Steelers on there. There we go. There's the 21 teams guys.  And like I said, we're gonna do the randomizer first. So we're gonna use the dice for the randomizer because of our names. Top three, get free spots in this break and we'll paste them in. And you get a randomizer from zero through nine. And of course, if any one of these 21 teams hit in this break, which most likely there should be, it's gonna go to the team that has the correct number on the left side of the serial number dash. So there's your examples there. Any one-on-ones go to spot one. Any and all redemptions for any of these teams go to spot zero. And any of the non-numbered base guys will be randomizing one lot. So don't worry, we'll randomize that together. So here we go. Here's use of dice for a little beef for both. So six and a two, eight times. Good luck. One, two, three, four, five, six, seven, eight. Boom, eight times, six, two, eight, eight. Hans, last one, Mojo, Ryan and Steve. There you go. You guys have some spots here. Free extra ones. So just for buying in. Now let's go eight times on the names and numbers. One, two, three, four, five, six, seven, eight. Eight times, eight, eight. Ryan, Dennis, Steve Herrick. Eight times, one, two, three, four, five, six, seven, eight. Six down to one. And let's see how it matched up right here with you guys. So Ryan, you have six. Steve with nine, Ed with four. Chris with eight, Hans with five as well as Ryan H with seven. Steve with zero. Any and all redemptions. Luis with three, Hans with two. And then Steve, any one of ones would be yours as well. So let me take this out just so that way I can alphabetize it. All right, and like I said guys, we're gonna do the brick and hopefully pull some big hits for you guys. Thank you.


Hello and welcome to the session. In this session we are going to discuss the following question and the question says that, find measure of angle LNP from the given figure. Before starting with solution of this question, we should know our result. Law of cosine states that if there is any triangle A, B, C with A, B and C representing the measure of size opposite to angles with measurements A, B and C respectively, then the following equations are true. That is, A square is equal to B square plus C square minus 2 BC into cos of angle A. B square is equal to A square plus C square minus 2AC into cos of angle B and C square is equal to A square plus B square minus 2AB into cos of angle C. With this key idea, let us proceed to the solution. We are given a figure of rectangular box with height 6 cm, length 13 cm and breadth 5 cm. We are given triangle LNP and we have to find measure of angle LNP. For this we find measure of all the sides of this triangle that is, side LN, let us denote the length of this side as P, side NP, let us denote the length of this side as L and side LP which is denoted by N. First we find the measure of side LN which is denoted by P. Now we consider this triangle LON which is a right angle triangle where the length of the side LO is equal to 5 cm, the length of the side ON will be equal to 13 cm. And we have taken the length of the side LN as P which we have to find. Now using Pythagorean theorem here, we have LN square is equal to LO square plus ON square. Now putting in the values of LO, ON and LN in this equation, we get P square is equal to LO square that is 5 square plus ON square that is 13 square. Which implies that P square is equal to 25 plus 169 which implies that P square is equal to 194. Now taking positive square root on both sides we get P is equal to square root of 194 which implies that P is equal to 13.92. So length of the side LN will be equal to 13.92 cm. Now we consider the triangle PQN which is a right angle triangle where the length of the side PQ is given as 13 cm, the length of the side QN is given as 6 cm and we have taken the length of the side NP as L. So now using Pythagorean theorem here we get NP square is equal to PQ square plus QN square. Now substituting the values of NP, PQ and QN here, we get L square is equal to 13 square plus 6 square which further implies that L square is equal to 169 plus 36 which implies that L square is equal to 205. Now taking positive square root on both sides we get L is equal to square root of 205 which further implies that L is equal to 14.3. So we say that the length of the side NP is equal to 14.3 cm. Now again if we take this right angle triangle that is triangle LSP where length of the side SP is equal to 5 cm, the length of the side LS is equal to 6 cm and we have taken the length of the side LP as N. Using Pythagorean theorem here we have LP square is equal to SP square plus LS square. Now we substitute the values of LP, SP and LS here in this equation and we get N square is equal to 5 square plus 6 square which further implies that N square is equal to 25 plus 36 that is N square is equal to 61. Now taking positive square root on both sides we get N is equal to square root of 61 which implies that N is equal to 7.8. So we say that the length of the side LP is equal to 7.8 cm. Now we have all the three sides of the triangle LNP where P is equal to 13.92 cm, L is equal to 14.3 cm and N is equal to 7.8 cm. Now from the key idea using law of cosines we have N square is equal to L square plus P square minus 2 LP into cos of angle theta or we can write this equation as theta is equal to cos inverse of L square plus P square minus of N square whole upon 2 into L into P. Now we will substitute the values of LPN in this equation and we get theta is equal to cos inverse of N square that is 14.3 square plus P square that is 13.92 square minus of N square that is minus of 7.8 square whole upon 2 into L that is 2 into 14.3 into P that is 13.92. This implies that theta is equal to cos inverse of 204.49 plus 193.7 minus 60.84 whole upon 398.112. On solving further we get the value of theta as cos inverse of 337.35 upon 398.112 which implies that theta is equal to cos inverse of 0.84. Now using calculator we find the value of cos inverse of 0.84 and we get theta is equal to 32.85 degrees thus measure of angle LNP is equal to 32.85 degrees This is the required answer. This completes our session. Hope you enjoyed this session.


The Castle Lake Bina Boys basketball team made it to the state tournament last year for the first time since 2010. In despite losing several key players, the Panthers have picked up right where they left off, putting the entire state on notice. The Panthers are ranked third in the state and sit at a perfect 9-0 on the season. They've been known for their tenacious defense in the past, and this year's team is no different. I think the boys have come from last year and they just picked up from where we left off. That's probably playing defense and I think they've really bought into, if we play tough defense we're going to be tough to beat. Their season ended last year with a 20-point loss to Northwoods in the state semifinals, but they didn't have to wait long for redemption as they opened this year with a convincing 17-point win over the Grizzlies. That was the goal when we seen that game on the schedule for the first day and we wanted it. So we came in there, we executed and did our thing. The Panthers are led offensively by Jarell Jacobs averaging almost 25 points per game, but the team is stacked with shooters and offensive threats that keeps defenses on their toes. It's really good. It takes a lot of pressure out of me and lets me focus on defense more. We've got a lot of shooters this year and we have a lot of people who can run up and down the court and help, and our young guys are stepping up too. The Panthers postseason experience from last year is already paying off in big games this year, as they've handed three teams their only loss of the season. It just prepares us for this season because when we play against big games, when we have big games and stuff, we just ready for it. We just slow ball down, take control of it. Cass Lake-Biena feels they have some unfinished business at the state tournament, but they're focused on the games in front of them before they worry about the big picture. It was a fun kind last year and we're just looking to do it again. Take it one day by day and win our games. Day by day, that's all we're doing. Panthers! And the Panthers' next big test is Walker Hackensack Aiklin just over a week, who was also undefeated on the season.


Personal Finance PowerPoint Presentation. Liability Insurance Companies. Get ready to get financially fit by practicing personal finance. We've been breaking the financial decisions down into the short-term decisions, the long-term decisions, the short-term ones, being those that we're gonna train our gut to trust our gut, honing down our habits so we can depend on our habits, the long-term decisions, however, being those that we want a more formal process because we can't use the same trial and error system for the long-term decisions using the adage of measure twice, cut once, the usual process or thought process for long-term decisions such as our insurance strategies would be to set our goals, develop a plan to reach the goals, put the goals into action, review the results and then start the whole thing over again. This is our chart we've looked at in prior presentations, items that we would want to think about possibly having some protection for disability, illness, death, retirement, property loss and liability. We're looking now at the best professional liability insurance, this is from Investopedia, this is clearly an opinion, but just to get an idea on what you can look at in terms of companies to then start forward in doing your own research.  You want to do your own research and you also might want to talk to other people such as friends, family, attorneys, if you know any and or CPAs, for example, might be people that you can talk to, possibly pay professionals to give you advice for personal planning, those that are not actually going to be financially benefiting from the financial products that you would be purchasing so you get an independent decision. So this is from Investopedia, best professional liability insurance companies. You can take a look there online, look at the references, resources, you can continue your research from there. This is just to give an idea. This is by Elizabeth Ravillier, updated September 25th, 2021. We personally don't have any invested interest in any of these companies. Investopedia may, however, so do your own research. So best professional liability insurance, if you own a business and work with clients, it's good idea to purchase professional liability insurance. Professional liability insurance also called errors and omissions, E and O insurance pays for your legal defense if a client or customer sues your business for negligence or malpractice. Without professional liability insurance, your business is on the hook financially if you end up in a lawsuit, whether you win or you lose. Professional liability insurance is one of the most valuable business insurance policies that you can have, but not all insurance providers are created equal to find the best professional liability insurance companies. We started with a list of 17 carriers and closely evaluated each one based on policy options, ease of use, industry specialty price and customer satisfaction. So this is just a list, again, that was come up from Investopedia. That's a place that you could start looking into your research if this is a type of insurance that is applicable to you. So the best professional liability insurance for 2022, according to Investopedia, best overall, AGI, best for freelancers and independent contractors. They have Pago, Pago, best for medical and healthcare providers, the doctor's company, best for lawyers and broker, best for small businesses, Thimble insurance, best for realtors, it's Hiscox, Hiscox. So we'll look at a couple of them just to get a little bit of what they say about each of them. You can go to Investopedia to continue your research from there and check out the resources, go to the insurance companies and you can continue looking into them from that point. So AGI with a variety of policy options for every industry specialty coverage and it's significant reputation guard program. AGI is the best overall professional liability insurance provider according to Investopedia. The pros offers professional liability policies for individuals in many different industries. Reputation guard coverage protects your brand identity from a lawsuit, sells all the standard business insurance products plus unique policies. So it looks like they have a pretty broad range so it could be a one stop shop kind of place more so than a specialized place here which can be useful depending on your needs. Cons must get a quote by contacting an agent doesn't offer general liability insurance policies. So based on our research, AGI is the best overall professional liability insurance provider that company serves nearly every industry including aerospace, healthcare, hospitality, construction, transportation, education and many more. You can choose from a long list of coverages including specialty options you won't find anywhere. So no matter what happens in AGI professional liability policy has you covered. Through AGI you can purchase a policy that is designed specifically for the errors that are most common in your specific industries with unique coverage for robotics, professionals, business leaders and publishers just to name a few. Another benefit of its reputation guard coverage which pays for services like crisis communications, media training, rapid response and social media management if your business gets involved in a major lawsuit. You can also choose to purchase income loss protection as part of the reputation guard program. Although AGI offers a wide variety of business insurance products it doesn't offer the most basic one general liability insurance which is kind of weird you would think so. Some of the policies available include accident and health insurance, cyber liability insurance, environmental insurance, mergers and acquisitions insurance and surety bonds. To get a quote for AGI professional liability insurance you will need to get in touch with an agent. AGI handles claims via phone and email and you can refer to the claim reporting guide to find the right contact for your industry and policy type. So then we have the next one which is Pogo P-O-G-O insurance marketplace is designed specifically for freelancers and sole proprietors and it can help you find reliable coverage at an affordable price. So it's a bit more specialized here. The pros, one application provides multiple quotes from different insurance carriers. Pogo works exclusively with freelancers so the coverage is tailored to your unique risks. So instead of the one stop shop kind of place you got a more specialized thing which if that is your specialty maybe they would be better at that particular thing since that's what they're specifically geared towards possibly. So many other business insurance policies are available cons according to Investopedia. No option to get an instant rate quote online doesn't disclose which insurance company is partnered with. Pogo is a newer insurance company that essentially operates as an online insurance marketplace. So the fact that they're newer could have some pros and cons. You would think of course you want the longer established companies are probably the ones that you would be wanting in general because you wanna make sure they're an established business but then you can rely also on the recommendations and so on and Investopedia seems to have a high opinion of them based on their searches and research. So it's our top recommendation for freelancers because the company specializes in coverage for independent contractors and understands the unique risks that self-employed professionals face. So clearly the fact that they're newer if they're trying to get a niche in a particular area you can see why that might be a rationale for them being like a newer company doing something a little bit different by carving out a specific niche which can be a good thing. So you wanna check the reviews on them and so on. When you fill out an online application Pago will match you with several insurance companies that fit your coverage needs based on the type of business you own, the size of business, your income and the structure of your business. So an agent can also recommend an appropriate amount of coverage to adequately protect your professional liabilities. So in addition to professional liability insurance freelancers can work with Pago to purchase general liability insurance, a business owner's policy, workers' compensation insurance, cyber liability insurance, business property insurance, business auto insurance and inland marine coverage. Pago is a solid choice for professional liability insurance if you work on a freelance basis but the company does have some downsides worth mentioning. First the company doesn't say which insurance companies it partners with which is kind of interesting so they're gonna be, it would be nice to be transparent in my opinion typically you'd like to know what's going, who you're working with directly and so on. So we'll have to request a quote in order to see your matches. So you get the quote and then they'll have the matching up. So and once you submit the form you have to wait for a Pago agent to reach out with your results. So we won't go over all the rest of them here but that's just a quick start that you can go in and you can take a look at your research from there and do some comparative testing and so on and so forth from that point.