Hi-ho hi-ho off to the shop we go the other shop not my shop the technician shop Well, I have all the fancy tools and knowledge Trying to figure out what's going on in my truck. My engine light is off right now But don't let that fool you it'll pop back on eventually goes on then it goes off that it was on then it was off My stop engine light is off. So that's why we're moving Try to get down the road to the shop The truck's been dropped off. I told them But the shop there at the service desk what issues I was dealing with We'll see how it goes. We'll see what they what they find out They've got all the tools to plug in and check all the faults and codes No faults were active now when I parked it there, of course So they're gonna plug into it. There'll be no active faults But they'll be able to go into the history and see all of the Previous faults and that red stop engine light should pop up there for them to and they can diagnose what caused that Hopefully, yeah, well, maybe they'll just replace all the sensors that need replacing. Maybe they'll replace all the wiring I'm just speculating at this point. I have no idea. I'm just crossing my fingers and hoping there's not too expensive We're back in the car right now got a little guy right back there and Brett just ran inside run a health food store in Steinbach. She's Gotta get a few a few meds here, I believe or a few a few products anyways because Believe it or not, it's time to start the next round of IVF Next month next month is when it all happens that but it's going for another egg retrieval in February 2024 if you're watching this later in the future It's that time again very excited so All of the meds and meds and doctors appointments They're all starting to wind up right now Coen's I'm Q10 with you big one all $78 and 39 cents for 20 days of vitamins. That's just one vitamin That's crazy I was just telling them that Our next round of IVF is getting underway. Yeah Another day or two and I start the priming meds Egg retrieval next month and then the transfer probably what the month after probably April I would assume So those of you who have been following us through the last IVF That led to him You'll see the guy back there. He's awake. Oh, he's awake now We're going for another one They turn out pretty good when you go this route and picked by the professionals scientifically double a embryo morning everyone So yesterday if you watched the video, we were having problems with my truck Engine lights been popping on and off and the stop engine light came on and then went off And the engine light came back on for a while and then went off So today I've got to bring the truck into the shop and get the technicians to see what the problem is and Figure out what the solution is going to be Let's hope that solution will be simple and not too expensive The polar vortex still out there. Oh, yeah, oh, yeah, it's still out there Guys gotta be quick diesel No messing around guys The polar vortex will get you so it's cold cold again We're almost through this it's supposed to warm up next week again. This happens every year people act surprised every year Oh, look, it's cold again. We're in Manitoba. Ah And then in summertime it gets really really hot and then everyone's freaking out Yeah, that's the seasons they change. It's the weather changes Welcome to Manitoba you get four distinct seasons We're in the worst one right now.  Oh mind your way roadblock.  You never know that stop engine light yesterday really Somebody inside. I don't want to heat the whole outside That stop engine might really freak me out Because I know it must be a bad connection or a faulty sensor or something because the truck runs just fine And the engine light would pop on and when the engine light was on it would run just a little bit rougher And then the light will go off again and the codes would clear or a faults would clear and then the truck Big perfect again So I don't know what's causing it to on off on off Guess we'll find out Chevy. Come on get over here. It's cold In you guys go we can go back out in a little bit again Okay, if you didn't finish Breakfast will come right back out. I want you guys know what the verdict is Still gonna be a good day It's not the best It's not not even close to the best. Well, this is what diesel here, right? And Chevy and the winners Yeah, you guys make me feel better, right? Of course you do. I think you are kind of stressed for you Kind of stress. I do it too Yeah, I feel something over here. I don't know what what's going on guys I I excuse my Diesel thank you for always being there It's my job, man. I may be old but I still got it We've got another batch of snow. I'm gonna have to clear the highways back here for the boys and Clear the driveway before we drive on it.   I Took me till I was almost 36 to figure that one out Well after that hold the buckle I got a little blew back They replaced the the cam and crankshaft sensor speed sensor Just like I thought that Would need to be done though. I had absolutely no confidence in what I was saying. I'm not a technician But from what I read on Google sometimes Google's right apparently So they check that out. They checked out all the lines and everything. These are certified technicians who are trained to work on Peterbilt Canworth trucks So I trust them. It's the only shop I go to is PBX truck service in Blumenort They're the only ones authorized to work on this truck. They do amazing work. I vouch for them a hundred and ten percent So when they tell me that that's the issue that they think it is. Okay, we'll go with that. I Took it into my shop here overnight. We're about to go hook on to our trailer go to canora and we'll see if that fix the issue We'll see if that engine fault comes back or not a little bit of a delay in my week Costs me a few thousand dollars in lost revenue the repair itself was Approximately around five hundred dollars with labor included so it's only a couple hundred dollar part and two hours of labor Depending on where you are labor is different labor costs. I Believe it's a hundred thirty dollars an hour. I Don't want to say that for sure. I should double check that before I tell you what their rates are but it's you know, sir, it's it's the average mark for For hourly shop rates around here. It's it's they're pretty good You can find some that may be a little bit lower But like I said, these are certified technicians That are certified and trained to specifically work on Kenworth and Peterbilt trucks and They do really good work that get me in right away like when the engine fault came on I had my truck there the same day and it went in the following days of the very next day It went in the shop very often now my experience when I was leasing a Volvo you guys remember that I'm not a fan of Volvo. I won't be running any ads for them. We'll say that decent trucks very comfortable to drive. I get it people like them I'm not one of those people. I have to say that I fall into the Kenworth and Peterbilt camp pretty firmly But a big part of that is the service At the service center in Winnipeg and Volvo Winnipeg If this was a Volvo and I had to bring it to the certified Volvo technicians in Winnipeg Guaranteed my truck would have been sitting out in their lot for at least a week before they even bring it in to look at it At least a week unless if they've changed that over the past couple of years Let's give them some benefit of the doubt and maybe they've gotten better But that was very slow to get in there whereas this truck was in the very next day and the day after that Look at that. I'm leaving on a trip ready to go That plays a big part in it as well. The service you get from people forms Future business And believe me there's a lot of business in fixing trucks. It's very expensive to fix trucks And if you're good at it, you can make a lot of money doing it. I'm sure So if you treat your customers well, they'll keep coming back. You know they will because Trucks always break You know, they'll keep coming back and PBX does an absolutely fantastic job of that I just want to give them a special shout out here right now again they're located in Blumenort, Manitoba and The only people that work on this truck I Trust them.  Nobody had all the answers right away Sometimes with these issues with engine lights popping on It's like a tree that you got to go down all the branches to figure out where the fault is, right? So they fixed one You know, it's very possible there could be another one and I want to put that little disclaimer on there That if this didn't fix my problem I'm not going to be all mad at the service technicians that worked on my truck I don't like it when guys do that because they did fix one problem. They didn't fix the problem Hopefully that's the only problem. Hopefully there's nothing else in there. That's causing issues This is gonna be a test run on this trip to Canora down to Minnesota we're staying close to home Hopefully All of my issues have been fixed now. If not, well Move on to the next branch of that tree, right? Try to figure out where that issue is Electronics am I right electronics remember the days when you just like put diesel fuel in The tanks and they just went straight into the engine and out the stacks And that was it. Oh the glory days I didn't get to enjoy those days too much because I was the next generation Well, that's like my dad stays when he was younger probably around my age the trucks were so much simpler so much simpler now Like this is a 2008 so it's it's not as complicated, but the new trucks I Don't want to own one of those new trucks because there's so many sensors and wires and everything that can go wrong all the time But you know, they have their perks as well We have arrived and there There's a few people ahead of me That's okay. It usually moves pretty quick About a five and a half to six-hour drive on this load and I'd like to unload today But I have to be there by 4 p.m. Which means I have to leave here by 10 7 30 right now in the morning I got going early today Left home at quarter after four in the morning Got the truck ready got hooked up Now we're in canora I've got to get myself all Geared up here You're all in my Sunday best get my gloves ready My other gloves ready. I just have two pairs In case one pair gets too wet and I can come switch them up for a nice warm pair And my bigger boots because I have to have boots yet to cover my ankles So I'm gonna get all suited up get loaded And uh, let's see what we can do. Hopefully we can get unloaded so far Knock on wood so far the truck running beautifully with no codes again Knock on all the wood you can find everywhere everywhere. I don't have any real wood in here, but Well, we didn't get out of here as soon as we wanted to People in front of me were too slow tarping took too long So we'll deliver this first thing tomorrow morning The time getting out of here now Oh, man. I've been here a few hours already It is what it is, right? That's trucking Gotta try to uh Make up for that lost revenue for my truck being in a shop earlier this week find ourselves some shiny pennies somewhere We're lucky we'll find ourselves a shiny nickel Like anyone like I've said before I mean if I have a choice I'd rather be somewhere warmer with palm trees, but I mean this is where we live, right? Then we live up in the north I live in Canada as far south as I can in the west anyway. I mean I could go to southern Ontario But I don't want to go down to southern Ontario. I'm a western boy. I want to live on the prairies That's where home is I just got to deal with the cold that's part of living up there Winter season that's there's no requirement at all. I checked my entire passport my entire everything all my citizenship You don't have to like it But you do have to put up with it. I keep working through it You can't stop just because it's cold minus 30 minus 40 you keep working Unless the equipment fails then I mean and you find a different way to get the job done Can you imagine how bad the economy would get if we'd all just Give up because it's cold and stop trucking Deer River Minnesota And there's no wondering why they call the deer river. There's a river here just off to our east off to our left And there is a lot of deer Almost every time I come through here. I see deer just wandering over the highway This whole area of minnesota That's just like manitoba. We're like but we're neighbors that makes sense, right? There's so many deer everywhere Almost every time coming through here. I I'm seriously thinking of getting Excuse me Karen, seriously thinking about getting a herd moose bumper just to deal with the deer on this road But uh, I can't do that right now. I've got a bunch of other things to pay for It's a nice place to stop just for a quick quick little coffee break I'm gonna Run in here brush my teeth Because where we're stopping down in brainard, I'm not gonna have a bathroom right there So we'll take care of that now get ourselves all ready Like I said only an hour and a half left and we're at our destination And then I'm just gonna park there at the gate And we'll see if there's anyone else parked there. If not, I'll hopefully I'll be the first one in in the morning Uh, they open the gate at 7 a.m. I believe they start unloading at 7 30 I don't have any uh reload Lined up yet, but You know, I'll shoot a message in at 7 a.m. When they get there back home And uh, let them know. Hey, I put this on wrong didn't I? I don't do these ever on I already called in today. I think I told you already Subtly begging for work not so subtly not so subtly begging for work There's I want to work. I want to work. Please find me work to do I need the money I need the money it takes forever to button this thing up Man All that's just to go inside and maybe grab a coffee Use the bathroom Stretch my legs Then get right back out there It's a lot of work. That's what winter is right In summertime, it's nice you Oh You get to where you're stopping pull the brakes turn the truck off jump out.  Okay, that's enough of that I'll see you in a bit up tonight So that in the morning when I wake up i'm ready to go It's also colder out it's minus 16 Celsius here in Brainerd, Minnesota So I want to make sure that my tanks are full of fuel before I go to bed for that reason as well As to keep the chance of moisture building up away Let's get old Casey's juice in here Asel fuel Okay, let's see. What is the price here for me today? What do you want for this? $3 and 44 cents us per gallon It's not too bad. Let's do some math here real quick.  We're looking at a dollar 22.6 And a dollar 23 canadian per liter Everything said and done Not bad The price of diesel fuel back home is about a dollar 40 right now We're saving 15 to 20 cents per liter and i'm probably going to fill up about 500 liters tonight That's good. Well, I'm not resaving it. I'm just keeping it my money to begin with God bless the us and their cheaper juice There's the gate first in line actually we're the only ones in line There is nobody else here So between 630 and 7 they get here these gates open And I can go in there start taking my tarps off and then by 730 they should be unloading me And I should be out of there by probably around like eight o'clock Well, that's if everything goes well and according to plan but remember This is trucking Nothing ever goes according to plan But sometimes it can be pretty close I'm gonna go to bed right here. I have 11 hours to wait until the gate opens Load is looking pretty good back here still As it should It is all still here all still wrapped The back end here is a little bit loose because uh the lifts here at the at the back are actually smaller than the Two rows of the front so it made my tarps look a little bit funny there, but We made it it worked It's pretty cold out there. Let's go see if I can get my bunk heater started Let's make sure that my engine heater still works. Everything's gonna work in the morning I uh got my frame inspected the last uh about two weeks ago Like my whole frame on my truck just to make sure the integrity of the frame is still good Did I tell you this already? I'll tell you again if I if I did But uh the the frame is all good to go but all of the paint has come off from the cab back So what I've got to do now is uh Coat it in a rust sealant I came up with this or came out I googled it before and uh came up with a solution I'm just gonna go and look it for it KBS coatings It's a rust seal That's one brand that I've found so far. I'm curious to know if you guys know of any other good brands Pretty much a rust sealant that you can pretty much just paint right over the rust That's uh what I'm looking for because I'm gonna have the whole frame sandblasted Stretched a little bit and painted in hopefully I can make it last about two years We'll get that done then with that extra distance or that that extra space on my frame I can put an apu on there I'll have room to mount that then and on the other side I want to mount uh chain hooks for my tire chains With a lock over top of it so that they're out in the open right now They're in one of my storage boxes And I want to be able to have them out in the open where dot can see them that I have them on me So that they never question. Oh does this guy have chains like if I do if I do need them And they're just easier and more organized that way So that'll give me room for that it'll give a smoother ride as well And in my opinion it'll look better just about 24 inches longer But that's in about a year or two maybe two years if we can so until then I've got to seal up that frame and uh From what I've read and understood I've got to clean the frame first really well or the section that I'm going to paint or work on Clean it down very good There's special uh formulas that I that they sell as well that I can use to clean it off Make sure it's all perfect ready to go and then you just brush it on Right on there and it seals the frame and it seals the steel so that moisture and oxygen can't get to it and cause it to rust And that'll make it last as long as I need it to right I have to I have to do that like this summer like in the next half year so Get that done just for a little bit of peace of mind So that my frame doesn't start rusting too much right because it's exposed. It has all the paint that came off Just want to take care of this truck. That's uh, that's my big thing I want this truck to go a long time yet in order for that to happen I've got to take care of it and that's one of the most important things Because if you don't got a frame you don't got a truck Or you got to buy a whole new frame rails Yeah, I guess that could be an option. I don't even know how expensive that would be I'm assuming that would be very expensive because it has to be custom made, right? I don't know. That's the plans though like I said plans very rarely ever happen according to plan but We'll get it done Thanks for joining me today everybody We went from home to canora got loaded It took too long to get loaded because everyone in front of me was taking forever to tarp and they're hogging the tarp station So I didn't get out of there in time to get here and unloaded today So I'm going to get unloaded in the morning first thing And then we'll see See what we'll see where we can rush off to next and try to make some money Thanks everybody. Don't forget. I've now opened up memberships on my channel here If you want early access to the videos If you want members only content when I make videos some some are just for members only And if you want special recognition in the comment section, you get a special little tab by your comment You can click the join button on my page and become a member Uh, I had these memberships on patreon for about 10 years But I didn't like it that it was separate from my channel So what I'm doing is I'm moving all of the memberships that I that that are over on patreon And I'm moving them here onto the youtube platform so that everything's in one place It's a lot easier for me that way and it just keeps everything together And that way you also get special recognition as a member in my comment section Uh Videos will not change for any of you though videos are still free to watch when I release them Most of the time the videos are put together and uploaded like A few days early at least and uh I figured they're just sitting there on the internet. Why not offer them? Through a membership if you want to watch them early if you don't want to that's fine But uh, and if you are a member on patreon Just i'm going to be shutting down that page in the next several months or so winding it down over there and uh bringing everybody Over here So if you want to become a member and support the channel you can click that join button on my page below my video Or on my main channel page Thanks for watching. Please stay safe out there everybody and I'll see you in tomorrow's video


Shakespeare in 10 Acts is an exhibition about the performances that made Shakespeare into the icon that we know today. This exhibition is an immersive experience exploring over 400 years of Shakespearean performance. We're looking at key moments in history that have changed the way that we see Shakespeare. Moments such as the first time a woman acted Shakespeare in 1660 and then the first black actor to play a fellow in 1825. We're looking at moments that were profound cultural changes for society, not just for Shakespeare's reputation. The exhibition includes the only surviving literary manuscript in Shakespeare's hand, two of six surviving authentic Shakespeare signatures and rare editions of his work such as The First Failure. Shakespeare in 10 Acts is the biggest Shakespeare exhibition that the British Library has ever put on drawing on one of the world's best Shakespeare collections.


7 Misconceptions About Teflon Covered Teaching English abroad is a career more popular than ever. However, with so many options and resources about Teflon available online, there is a lot of false information out there. This post uncovers the 7 most common misconceptions about Teflon and clears up any confusion. 1 You Need A Degree To Teach English Abroad Wrong. While a degree is necessary to secure a work visa in some countries, there are plenty of countries where it's not necessary to possess a degree. If you are a native English speaker and have a Teflon certificate, you still have a lot of options on where to teach even without a degree. South American countries like Argentina, Ecuador or Peru, as well as places in Asia like Cambodia or Russia, are perfect to teach English without a degree. 2 Teflon Only For Young People. Never. While most countries have a minimum age requirement of 18 years for their teachers, there are few upper age limits. Even countries where there are upper age restrictions, those are generally set at around 50-55 years giving you plenty of options to explore the world. Teflon tees all definitely aren't limited to fresh college grads looking for a year abroad. Life experience is a valuable asset when it comes to teaching and it can get your Teflon job application to the top of the pile. As conception number three, Teflon doesn't pay well. Not true. While teaching English abroad is all about new experiences and memory making, it doesn't mean it'll leave you broke. Teflon salaries around the world vary considerably depending on the country and school you work at but if you have a Teflon certification, you will be able to live a comfortable lifestyle and even save a substantial amount of your paycheck if you choose the right location. The Middle East, South Korea, and China are amongst the highest paying places for Teflon teachers with salaries of up to 4,000 US dollars, 3,000 pounds per month. Misconception number four, you need to speak another language. Nope. Teflon is all about immersing your students in the English language without using the local language. A lot of schools even forbid their teachers and students from using their native language in the classroom with English-only policies. While you can certainly learn a new language when teaching English abroad, being fluent in your new country's language is not necessary at all. Misconception number five, it's really hard to find a job teaching English abroad. Not at all. The demand for English teachers is actually through the roof and many areas around the world. Especially those with a Teflon certificate will be able to pick and choose the best job offers and enjoy higher salaries and work for renowned schools. If you are determined and do your research, you can find a teaching position in a matter of weeks.  Mythbusting. While you can find a job teaching English abroad simply because you are a native speaker of English, a Teflon qualification will get you access to higher paying jobs at better schools worldwide with better job security. Also, do you really want to stand in front of a class of 30 students without having a clue of what you're doing? Misconception number seven, you have to teach kids. Not at all. While it is true that young learners are a big part of the international English teaching market, there are plenty of teaching jobs that involve adult learners. These can be found especially at private language schools where teachers deliver one-to-one lessons, as well as business English and conversational English classes to adults. Are you ready to start a new career teaching English overseas? As you can see, there are many myths involving teaching English abroad. However, with these seven misconceptions about Teflon covered, you are ready to embark on a successful teaching career abroad. Speak with an ITTT advisor today to put together your personal plan for teaching English abroad. Send us an email or call us toll free at 1-800-490-0531 to speak with an ITTT advisor today.


There really isn't anything wrong with the house we're looking at today. The only real problem is that some DGNs cracked our locks off the crawlspace and shed and chucked them through some windows. Something I'm fine with because now I get paid to replace the locks and fix the windows. There's also a deadbolt on the outside of this bedroom door which makes me wonder what they were trying to keep inside. The story of this house though is when we first started coming here we would trim the shrubs, mow the lawn, and move on. Then the neighbor would call the property manager and complain that we weren't doing anything about the meth lab. And then the bank would send us back to deal with it. At first I thought the only person smoking meth was the neighbor. However, winter came around and some of the weeds in the back died down. I found this little gem hiding way back in the woods. We'll take a walk through that one next time. There's no longer any meth lab equipment in there, but we'll take a look around it anyway.


Hello everyone. This is Miguel Giannes with the Environmental and Energy Study Institute. We are very happy to co-host this webinar about Ombio Financing for Iowa's communities. And I would like to welcome everyone this afternoon and thank everyone for attending this webinar. So as I said, we're going to be talking about Ombio Financing and how it can work for municipalities across Iowa. And so before I start the webinar, I would like to ask everyone to please mute your phones if you're using the phone. And so you can use star 6 to put your phone on mute later on in the webinar. There will be a time for questions after the two speakers that we have for the webinar. And so you can use the chat box to ask questions or you can also raise your hand on the upper level, on the upper part of the webinar. We can unmute if you are doing through your computer. If later on if you want to ask a question, you can use your phone. If you're doing the phone and you want to ask a question, you can just do it with pound 6 to unmute your phone at that point. So as I said, my name is Miguel Giannes and we here at ESI in Washington DC, we've been doing Ombio Financing for the past five years and we are very excited about this project and how to help communities develop this great research for engine improvements and for water improvements. So in this webinar we have two speakers from Eugene Municipal Utility, the Eugene Water Electric Board in Oregon and also from the city of Bloomfield in Iowa. But first let me hand over to Sarah Kaplan from the Iowa Municipal Utilities Association who has been very gracious to co-host these webinar with us. So Sarah, take it away. I'd like to thank you for joining us. We have been looking for new ways that we can improve the energy efficiency services that we offer to you and ways that you can perhaps improve your programs to get better results as technology is developed and changed. And this is one way that we think might be the wave of the future and might be beneficial for you in evaluating your energy efficiency programs and how to, what are our next steps and how to move forward. So I'd like to thank you for joining us and thank you very much. Great. Thank you very much Sarah for those great words and again everyone for attending this webinar. And now let me hand over to I believe Misty Fisher from the Eugene Water and Electric Board who will talk about their ambient financing program that they've been running for the last decade. Misty, the floor is yours. Okay. Actually this is Mark Freeman. I wanted to introduce who we have on our end. We have Misty Fisher who is our loan administrator. And, well, Misty Fisher is our loan administrator. Kathy Gray who is, wow is this on auto feed, the slides? There we go. We stopped it. We stopped it. So we have Misty Fisher, our loan administrator. Kathy Gray who is our residential program supervisor. Dan Morehouse who is our commercial industrial supervisor. And then I am the manager of customer service and energy management services here at E-Web. And we've been doing this for almost two decades for a pretty long time. So hopefully what we have to share with you will be helpful. We're the largest municipal utility in the state of Oregon. Been around since 1911. We have about 80,000 customers, 80 of which are so are residential. We have a five person board which compared to IOUs I'm realizing just how wonderful a five person electric board is versus a public utility commission. And we started doing energy efficiency stuff in 1978. So we're, gosh, what, almost 40 years into this. So let's give it to Kathy now. So hi, this is Kathy Gray. Why would a utility want to loan money to his customers? Using public money is always risky. And that question was one we had to answer before we could go forward. Fortunately for us, we had a storm that worked in our favor in that we had entered a contract with the Bonneville Power Administration to provide energy efficiency to our customers. Part of that contract included a financial penalty. And we were part way through that contract and realize we were not going to meet our financial obligation. And we needed to do something to get our customers to take part in the efficiency programs. So we went out to our customers and we asked them, why? What's going on? And we learned from them they did not have the out of pocket money to pay for the costs of doing the work. We were incenting customers a certain percentage of the cost, but that little bit out of pocket they could not come up with. So what do you need to get started? Could you back up, Dan? Thank you. What do you need to get started? You really do need a pot of money. You need, you know, the support of your upper management and your board. You need to figure out what you're going to offer, the kind of requirements you're going to have, and, you know, what you're going to do on your security. E-Web started with a pilot of about $200,000. And using that pilot, we were able to prove to our board into the executive management that loaning money to customers was a viable means for reaching our targets, our energy efficiency targets. After the pilot, we went forward with our loan program being available only to residential customers who had excellent credit with the utility. And the loan amount was up to 1,500 zero interest and paid over a term of one to three years. In 1995, we expanded that program beyond the original offering to residential customers into our business customers and to our investment residential property owners of multifamily buildings and rentals. This is Misty Fisher, and I'm going to continue on with the slideshow. I am the loan administrator. I've had the privilege of doing this for E-Web for about 11 years now, and I manage the process for loans from the beginning of the loan application received from our customers through loan funding and including any loan issues once it's into our billing system. And right now, for residential, all residential loans are zero interest loans. They have a term between four to five years. We lend up to $20,000 to each customer. However, that is broken down into different programs that we have such as window offerings have a max amount of 4,000. Our Douglas heat pumps have a max amount of 4,000. So the 20,000 is an aggregate amount of, which could include multiple loans to one person. And our business loans right now are interest-bearing. They're at 4%. There's no fixed cap for that, and that has also a four to five-year payback term as well generally. The requirements or how I process my loans, obviously, first I look at the application. I make sure all the information is there that I need. The first step is I confirm ownership through Arlid, which is our Lane County Dees and Records website. The owner has to be the applicant. It can't be the renter, and that's because if I do file a lien on the property, I have to lend to the owner of property. The other thing I look at, of course, is their eWeb payment history. I'm looking to see that they pay us on a regular basis, that they pay their account on a monthly basis to zero. I typically first look at the first 12 months history. I do go back farther than that if I see a pattern of nonpayment or some type of delinquency, I'll go back farther. For the most part, I look at the last 12 months. Then what I do is I go into TransUnion and I pull a credit report, and I review their personal credit information. Obvious things such as, are they current on their mortgage? Do they have collections? Are they paying their credit card bills on time? I take the information from both their eWeb payment history and their TransUnion credit report, and I put that or plot that on a credit matrix that I use. The credit matrix helps me determine whether or not an approval can be applied to the customer also for what dollar amount, because based on credit worthiness there could be adjustments based on how much will lend or the term that will lend it. So that's all determined and worked out through the credit matrix process. Based on the outcome of that, I will determine whether or not the loan will have a lien placed on it or whether it will be unsecured. If their credit worthiness isn't quite up to par, the choices that we have if I file either a UCC1A lien through Lane County Deeson Records or a memorandum of agreement, both place a lien on their title. And then the other options I have if I need additional security is I give them an option of autopay on their eWeb account or a reoccurring credit card. And that might be used in the case specifically when a customer has issues with their payment plan back to eWeb and an autopay might help them get better credit with us and keep them on track and improve their credit score through eWeb's credit history. So once I process the loan applications and it gets time to fund the loan, I send out loan contracts to each of our customers. They send them back to me. I then enter the loan into our CIS billing system. I do that on a batch process. I do it every Monday. We fund the checks on the same week. It's a very efficient, quick process. People can make prepayments. That's allowed. They cannot make partial payments. That works great in our favor because it doesn't allow a customer to become delinquent on just their loan or just their electric and water charges. So what that means is that if they're billed 100 bucks and they send in 50 bucks, they can't say, I want the 50 bucks to go to the loan or they can't say, I want the 50 bucks to go just to electric. The 50 bucks is spread evenly open, all open items. And that has worked in our favor specifically when there's a loan on their eWeb account. And once the loan is in the billing system, I follow it through any customer issues that might happen. Including payment arrangements if they need them, account issues that come up, or any delinquency that might happen. So the next slide shows an example of one of our bills. And you can see under additional services, that's where the monthly loan charge shows. So it's a separate item charge on their bill, so it's clear for them to see which part is the loan versus their electric or water charges. And again, you can see on page two under additional services, it shows the heat pump loan and what the charge is. So the security just a little bit more specifically. Again, it is dependent upon how it comes across on the credit matrix. However, it allows me to place a lien on the person's personal property and how that helps us in later in the loan life is that if someone is delinquent and I have a lien on their property, if for some reason there's a foreclosure or a short sale or something happens with that property, my lien stays on the property until it's paid in full, whether that be via the customer or the new buyer or the bank or whoever ends up paying it. And so those liens are a really good mechanism of security for us. Again, the auto bank draft, it just helps customers who might be having some payment issues become current and actually improves their credit rating for eWeb. And LLCs and partnerships that apply, I also prepare a personal guarantee that they sign along with their paperwork. So right now, what we currently offer through EMS, and this does change, our programs change with time and different trends. And right now, our residential is offering insulations, windows, ductless heat pumps and ducted heat pumps. And on the commercial side, it's their custom project and it's just out-of-pocket expenses for a custom project that goes through the commercial department. And again, time those have changed. We've had other programs such as solar or HVAP or air sealing and time and trends will change what our offerings are. So this slide just very briefly can show you the number of residential projects that went through, how many of those projects had a loan, and then the total monies loaned out for that year. So for example, in 2002, you can see that there were a little bit over 2,500 projects done. And it looks like about 40% of those took out loans, 40-45% of those took out loans. And also in that year, that the money lent out was a little over $3 million. So that's just an example of what that is showing. And then commercial, same thing, the number of projects we did, the number of loans taken out, and then the monies that were lent out to the eWeb customers. So the cost of the program internally for us, what we consider is the labor for loan administration. So all the items I touch are any other staff touch in preparing loans, the recording fees through Lane County for filing my liens, and then the credit checks that I do for all the applicants. And then the estimated cost, just the general number would be about $100,000 a year. About four years ago, we started charging a $50 loan administration fee to our customers. The only customers we don't charge that to are ones that are qualified limited income at the time that they apply. But all other customers get a $50 loan origination. And if they go through the program multiple times, they have the multiple charge. So if they come through the program at one time and they do multiples, that's a charge for each different program. And, you know, despite the fact that our credit matrix is pretty liberal in the sense that because we have the power of power, because they have a power bill with us, we can be a little more lenient in the customers that apply in regards to, say, their personal credit. Our default rate has been under a half a percent, so that's not 50%, that's under half a percent since the inception of our loan program. It's always remained really low. And, again, that's because we have the power of power. People have to have electricity. And, again, just a brief note that partial payments of bills are spread across all open items on a bill, so that, again, also doesn't allow someone just to choose to pay their electric or water. They, monies would also be applied towards their loan, in that case. So, this slide I included because although there are lots of great reasons and things that, including our loan program, there are some issues that come up. So, realistically, wanted to bring those to your attention. Some of the things that I deal with on a daily basis with the loan program are refinance limitations. So, we notify our customers about six different ways in the upfront application process that if they go through a refinance during the time that they have a balance on their loan with eWeb, that their loan needs to be paid in full. And the reason that is, is because if I file a lien on the property, any time you do a title transaction, you have to have a clear title. So, we put upfront in as many ways as we possibly can to our customers that if they go through a refinance or any title transaction during the time they have a loan with us, it is due and payable. Their loan to us would be due and payable. It does create problems. People sometimes don't remember that that's in their contract and they don't remember seeing that in the upfront paper so they can, it can cause them problems through their refinance process. The other thing that we don't do for our loans is we will not subordinate our loans. And again, customers that are going through a title transaction, it can cause them issues in that process because we do not subordinate. Move out customer. It's put in their contract that when they move out or sell the house, that the loan becomes due and payable. Again, it comes up when customers just didn't realize that or didn't read maybe their contract fully and they didn't realize that that was in there and so I deal with that issue with some customers. There's also red flag implications simply just because the credit application has a lot of personal information including name, address, social security number, things like that. So there are some processes in place to reduce any implications with red flag that might come up. And then the other one just being personal, interpersonal issues that customers come across in their own lives such as divorce or separation that might happen when they have a eWeb loan on their eWeb account and say one calls to disconnect or one's staying and one's going. So those personal issues come up also with people that have loans. So although again the overall picture is it's a great program that we offer to our customers. There are some things that you have to consider that will come up like this with customers. So we started off doing loans with our energy efficiency programs. The loans have become a very effective tool for eWeb in many ways and customers appreciate it because it is on their bill. It's not a separate item or they don't have to deal with the credit union or a second party in this process. So what we've done as we've expanded it, we live on the McKenzie River. We provide water and electric and the McKenzie is the source of our drinking water as well as three hydro generation plants.  So we provided loans so customers who owned those septic tanks could have the money to repair. So in turn they would not be leaking into our water source. Water leaks is just in general. There's a lot of customers out there who they find out on their bill that they used way more thought. And the cost of fixing those water leaks was beyond their means. So we helped them finance that. We used to have steam heat in our downtown area and we decided that we were no longer going to provide that. But that provided a big problem for a lot of our customers to pay to transition to either put in their own gas boiler or transition to an alternate heat. So you see that was a pretty sizable amount, about 3.3 million. And business growth and retention, we specifically don't call it economic development because we feel that most of our growth can be better served by helping our existing customers. Grow and expand. Not that we're at first to new businesses. These loans would be available to them. But this allows people to basically spread out the cost of the upfront cost of doing business with us with all these system development charges.  Human resources should pay. Again, we do loans for pretty much anything these days. And that is somebody we pay to relocate when we offer them jobs prior to the period needed to not have to pay that back. And so this is a loan to help them pay back the moving expenses you would pay to get them here. And we just recently started a loan program to help our commercial customers with the cost of installing EV chargers. So the way we can help promote that and hopefully expand the amount of charges in our service territory. So we feel like it's been pretty successful. We've done, you know, well over 11,000 loans since we started loaned, you know, 47 plus million dollars. You see the vast majority of that from a percentage wise goes to residential customers, but dollar wise it would be probably a different split than that. Especially when you look at the 3.3 million we did for our steam customers, that was all commercial. And the amazing thing is the default rate is 0.5%. I mean our default rate overall for our utility is very low as well. But we have had in 2014 and year to date in 2015 we haven't had any defaults. So during the recession, you know, that kind of spiked a little bit. But there wasn't anything that made us rethink our process or want to do less of this. It's a go-to tool for us not only for our energy efficiency but as you can see from the previous slides was to help our customers do business with us. So there you go, there's the happy all four of us. And that's the end of the presentation, open for questions. Great. Great. Thank you, Mark. And thank you also, Misty and Kathy from Eugen Water Electric Board there in Oregon for detailing and going through all the details of your ongoing financing program, not just for residential but also for commercial and all the other loans that you provide. And I think we should go to our next speaker, Chris Ball of the city of Bloomfield in Iowa. And then after Chris, we'll have a few moments for questions. And so if everyone can hold a person for after Chris goes through his presentation. So Chris, take it away. Thank you, Miguel. We've been looking at on bill financing for about six months and talk to many, many people. And every time we speak to someone else, we learn more. So I want to say thank you to the folks in Eugene. That was some great information. And I picked up a few things that I hadn't learned yet. So thanks a lot. As Miguel mentioned, I'm from the city of Bloomfield. I'm the energy efficiency director. It's a new position. I've been in place for about five months. So one of the questions is, and Eugene addressed this, why would a city begin to loan money at all? So I think it's important, you know, we get caught up in our day-to-day jobs. It can be difficult to start new programs, especially if it's significantly different than things we've been doing in the past. So I think it's good to step back and remember, and state the obvious, why do governments and municipal utilities to exist? And primary reason is to serve our citizens, members, and customers. So I just want to set that as the framework for where we're going. Bloomfield is a little different in terms of our structure. We are a municipal utility, and that municipal utility is housed under the director of public works. It's not a separate entity from the city. The director of public works reports to the city council as do the city clerk and myself, the energy efficiency director. It may seem a little odd to separate the energy efficiency director from the utility chain of command, but I think it kind of sets things up so that there's a healthy amount of checks and balances in place. And you know, sometimes the energy efficiency director might propose ideas that can seem in direct constant, like the irregular operations of the utility, but I think the council's decision to separate the two departments creates a structure where ideas can be challenged and scrutinized just a bit, and then that scrutiny helps make the new projects stronger. Earlier this year, the city council decided to pursue energy independence with regard to electricity. Essentially, that means that we will be a net zero community by 2030. It doesn't mean that all of the electricity will be produced by renewable generation. We have generators on site and we may choose to operate those generators here at gas and diesel. But I think it's also worth noting that Bloomfield is using the term energy independence as opposed to net zero. Simply put, energy independence does a better job of speaking to the values of our community than the term net zero does. And so one of the first steps to look at is energy efficiency, because simply it costs less to use less energy than to produce it, right? So last year, the Iowa Association of Municipal Utilities did a study on Bloomfield to see if we could be energy independent. And according to that study, we could reduce our electricity consumption by about 23% if we pursued aggressive interdiciency actions. I should mention there's a lot of very good information in that study and we don't have time to go into all of the during this webinar, but it is available on IAMU's website. And for the executive summary, and if you'd like the more detailed version, feel free to call or send an email. I'll be happy to send it out to you. So installing energy efficiency measures at homes can, I mean, it costs money. Bloomfield is not a wealthy community. We have about 2,600 people, 1,200 residences. Over half of our households have low to moderate incomes. And frankly, traditional sources of old simply may not be available for energy efficiency types of expenses. But I think it's also worth pointing out that limited access to capital isn't confined to those of lower income. According to a study by the National Bureau of Economic Research, almost half of all Americans are unable to come up with $2,000 in cash within 30 days without selling or punning possessions. You know, while those in lower income brackets were less likely to have access to cash, it wasn't limited to lower income households, across the social and economic boundaries. Put bluntly, Americans aren't known for their saving habits. And when cash emergencies arise, they can put real stress on households. I know perhaps some of you have experienced and come through economic hardship, and you might remember how much easier the rest of your life can become once those problems are solved.  And so that's part of our goal when we're in a community where there is a lot of economic stress. If we can help relieve some of that stress, not only do we address our energy issues, but we also think we're going to free up people's bodies and minds to do much more for our community. So last night, the Bloomfield City Council decided to fund an on-bill financing pilot project. And I got to tell you, I'm sweating because I wasn't really sure what I was going to say today if the project wasn't funded, but thankfully, I don't have to figure that out. The pilot project will be funded at $150,000, and it's our hope that we can complete 10 to 15 projects with the initial funding. Now, I want to pause here for just a moment and talk again about that access capital. Last night after the City Council meeting, one of the members in the audience came up to me and he said, how do I participate? My friends broke down last spring. It's going to cost me $2,800 to replace it. I can come up with $2,000. I know I'm going to come up with the other $800. And this isn't a person that most would consider to be low to moderate income, pays his bills, gets things done as a respectable member of the community, but he still has that economic stress and he's trying to figure out how to solve it for his family. So what are we trying to accomplish with our pilot project? Well, first of all, we need to clarify our business process. This is a brand new thing for us, and so we have to figure out how do we take the application? How do we process them? How do we put it into our billing system? How do we track all of the information? What level of monitoring of the installations are we going to do? Are we going to work with vendors and contractors? So just from a very business process point of view, we've got some things to work out. We've established the policies and procedures, but this is a chance for us to do a real-world test and work out the bugs before expanding the project. We also hope to do measures to changes in energy consumption. We hope to generate some buzz in the community and then decide whether or not we want to look at expanding the project. So our details, we're looking at about a $15,000 maximum loan. There is no application fee, but once the loan has been approved, there will be a $100 origination fee to cover our administrative expenses, including labor in the office and filing liens at the courthouse. We looked at a 0% loan, but it was much more attractive to the council if we had at least a 2% interest so that we weren't losing money on the process. Our goal is to aim for bill neutrality. In other words, we hope that we can structure the loan so that savings realized through these energy efficiency measures will offset the loan payment and we're looking at loan links between 5 and 10 years. We haven't done the math on them yet to figure out what it's going to take for the individual, but we will look at each loan individually to decide what seems to work for the quickest payback and try to get as close to bill neutrality as we can. We've got a number of measures that we're proposing to cover with the initial financing. As you can see here, furnaces, air conditioners, appliances, water heaters, lighting. Even though it's not a big expense at the household level, it can have a big impact, so we want to make sure that if they're going through and doing other things, let's go ahead and get some lighting taken care of as well. Our applicants, we are opting not to do credit checks, formal credit checks. Instead, we're just going to rely on our in-house accounts. If we haven't notified them that we're turning off their utilities within the past 12 months, then they'll be qualified for the loan, as long as it's an owner-occupied residential facility. We spoke to several other utilities and as Oregon shared, the default rate is extremely low and we want to be as liberal with our ability to assist people as we can be. Our process during the pilot program is we're going to identify the potential applicants who best support the pilot program goals and we're still trying to figure out what that means if we're trying to find those people that are kind of seen as leaders in the community but maybe need some help on their homes, so we looked at those houses that are the most energy inefficient right now. We have done an analysis of the entire community and identified homes that we believe are energy hogs, but we haven't figured that all out just yet. We are going to go during the pilot phase and do a pre-application energy audit and make recommendations to the homeowner. Then we'll want the applicant to get estimates, bring those estimates back as part of the application process. Once we've approved the application, we have some data loggers that are going to measure temperature in the homes. Let's look at their utility usage. We want to see if sometimes you implement a measure, an energy efficiency measure, or do some weather feeling and now because the home is more efficient, maybe the temperature changes and so you don't see necessarily a reduction in energy usage because instead of keeping the temperature at 65 in the winter, they keep it at 75 because it's more comfortable and now they can afford it. We want to be able to track both energy usage and internal temperature. After they install the measures, we're also going to do a post-inflation energy audit so we can see, you know, just try to track what was the difference between the before and after. Then hopefully once we collected this information, we'll analyze it and decide what that means for the future of the program. One of the things that we've heard from some of the utilities that we've worked with to develop this program is that you can get some untrustworthy contractors and vendors. So one of our goals is we don't want to select which contractors or vendors a household will use but we are going to publish a directory. Anyone can qualify to DM that directory as long as they fill out the application for the listing. I guess it's our hope that maybe there will be some self-filtering that some of those people that don't go to the effort to get the proper licenses or get the proper training, maybe they won't go to the effort to fill out the application to get listed in the directory. Again, the directory isn't an endorsement by the city. It's simply a listing of those that have applied to be listed within the directory. After the pilot program, it's our goal to secure some outside funding to expand the program. We're working with EESI in order to try to find some additional funding. I hope that this pilot project will establish our process in a way that we can demonstrate how we can – that we know how to run the program here to secure the additional funding. I do want to point out we have had a lot of help with this project. EESI has provided a lot of technical assistance. They've brought resources to us from around the country to help us while we're developing our pilot project program. Within this data biome, we also spoke with Cedar Falls Utilities and the city of Woodbine. Both of those communities have run under the financing programs in the past. I'll reach out to any of these three organizations and, obviously, the folks from Oregon could be a help as well. I want to thank a few people here. As I mentioned, EESI has given us a lot of support as has the IO Economic Development Authority, IAMU, Cedar Falls Utilities and the city of Woodbine. All of them have put together great materials for us and pointed us in the right direction. Warren Helverson is one of our local VISTA members that is serving in Bloomfield to work on building energy efficiency capacity within the community. We wouldn't have that opportunity without funding from AmeriCorps. That wraps it up for me. Be happy to stay online and take questions. You can also feel free to contact me by phone or email. I think that we don't cover today. Thank you. This is Miguel Yance again. I would like to thank Chris very much for talking about his program in this webinar, providing all the details of the pilot. I would like to congratulate him for getting the City Council of Bloomfield yesterday to approve the on-bill financing program. It's very exciting that Bloomfield is going to start this pilot and that hopefully it will become a larger program and getting a large percentage of the homes in Bloomfield retrofitted with energy efficiency measures. Again, thank you for both speakers, Eugen and Bloomfield for presenting in this webinar and writing your lessons, learning experiences, your programs. Now I would like to open this remaining time for anyone who may have questions for both the speakers that have presented. Just to remind everyone that if you're using an iPhone computer, you're muted by default. If you can pose a question as a comment on the box on the lower right-hand side. Alternatively, you can also raise your hand, which is an icon on the upper part of the screen, and then we will unmute your speaker if you're doing through a computer and then you can ask a question. If you are listening to the webinar through your phone, you can add six to unmute your phone if you want to ask any questions. Miguel, this is Chris Ball, and I'd like to ask the folks in Oregon a question by May. I'm interested in learning. My understanding in Iowa is that we can't disconnect for nonpayment of the loan. The two you told is that I've spoken to and it hasn't really been a major issue anyway, but I am wondering if you run into issues that the requirement that any payment has spread among the utility payments and the loan could solve that issue for us. I wondered how you found out the language. I'm interested in the language that you use to get that done, I guess. Perhaps you could share that with me by email. Yeah, this is Misty. I'd be happy to share that via email. Just on a general statement, it does, because payments are spread, it does greatly reduce any situation where we may have to disconnect. However, because the homeowner has to apply, they could have, if the homeowner sells the house, or let's see, let me back up here a little bit. Because an owner may not live in the house, that's a situation where if the loan payment became default, we could disconnect. I've been here almost 11 years and I think I've put out a disconnect maybe three times, three or four, under five times for a situation like that. Typically, because people need to have power, they simply can't get to a disconnect situation, and including the loan on their bill, it helps us. It does happen very rarely where we've had to disconnect or at least put out a letter of disconnect for that. But you are right, in the sense that when you spread any payments over all open items, that it greatly reduces that situation from coming up. And we do have language in our contract that covers that. And again, I can share that with you via email. But it is written within their contract that we bill monthly, they pay monthly. And so they do put themselves in default of their contract if they get behind on their eWeb bill and they have a loan charge on them. Thank you. Great question, Grace. Anyone has any other questions and may want to ask? Yeah, hi. This is Stephanie Enla with the Center for Rural Affairs. Chris, you said that right now the program is only available to owner occupants. Do you have any plans to extend the program in the future to be available to renters? And then what would need to happen to make that viable for your utility? Sure. And I think there is interest from the City Council to look at renters. We know that rental units are, in some cases, some of our least energy efficient homes. So I think it is something that we would look at just that we wanted to be sure that we could really study things well in this pilot and so we just chose not to go that route. And then I think, additionally, depends on where our funding comes from to expand the program if we do it internally or if we have access to external sources of funds what their requirements will be. Great. Thank you. Great. Thank you, Stephanie and Chris. Any other questions? Hey, Miguel, this is Mark at eWeb. We failed to put our contact information at the bottom of our screen. So hopefully you have that or that you could share with folks. But in general, we're willing to share anything that we have including like our matrix on determining credit worthiness. So everybody saw our names. So it's really pretty easy. Firstname.lastname at eWeb.org and those are our email addresses. Happy to answer any questions after the webinar is over. Great. Mark, that's a great way to point that this webinar is being recorded and will be posted in our website ESI.org and we will also send the link and the presentations to Sarah Kaplan. So if she wants to post it on her own website or would like to send them to members of the Iowa Municipality of the Association she can do that. And also the slides will also be posted and any additional information will be posted in our website that's EESI.org. I see that Jeff wants to ask a question. You can either type it or speak in your mic if you have one on your computer. So Jeff's question is, did Eugene quit loaning money for renewable energy projects and if so why? Specifically talking solar, as I assume that's part of it. We have a green power program, a voluntary green power participation program that offers incentives. Well, through the people who fund it they've chosen where it's a voluntary process for our customers. They create the pool of money which creates an incentive base for the solar program. So yes, we no longer loan for the solar, we only do incentives and we also do some pretty sizable grants like $50,000 grants for solar on an annual basis. But you're correct, no loans, just incentives or grants for solar projects. Also we do, this is Kathy, we do an evaluation on all of our programs to determine the cost effectiveness of those programs. And so the solar, in the case of solar water heating has kind of fallen out of our resource planning purview. It's not cost effective for us to forward with those projects at point in time. So also this is Miguel, Jeff Gertz also has a question for Eugene. He asks what energy efficiency measures do you loan for most often and which measures have had the best impact for the money? Well, we've been doing this. This is Kathy again for quite a long time and in the beginning it was your insulation, your envelope measures for houses that had the greatest impact. And now what we're seeing that has the greatest impact are the heating systems, the heat pumps, the ductless heat pumps in homes. And so I would say that's what we're seeing, the majority of our loans in those areas and at this point in time that's where we're getting our greatest savings. Great. Thank you very much, Kathy for providing those answers and also for Jeff to ask those questions. And so if anyone has any other questions for the speakers, this is the time to ask them. Again, you can also send some questions that are on if you have some questions to the speakers webinar. This is a great time to do them. So Jeff also asks how does Eugene identify contractors and verify quality of insulation? Just like Chris mentioned in his presentation, we have a directory of contractors that is made available to our customers. Those contractors apply to be on that list. They show proof of insurance, license, bonding, and all of that. So that provides some surety to our customers. We do not endorse anyone contractor. Now that is in the residential area in the business arena, the commercial area, the contractors, we do not have a directory of contractors per se. The business operators select the contractors that they typically work with. We have what we call verifications. We go out and look at the installations. We're also participating in the Bonneville Power Administration and Energy Efficiency Programs. Through that, they provide some third-party verification. They will take a percentage of the work that we have completed and actually send somebody else a third-party out there to look at that work to assure that that work is being done to the specifications and standards. Great. Thank you, Kathy, for your answer. And thank you, Jeff, for the great question. So we still have a couple of minutes more for a few more questions. If anyone has any questions, they may want to ask the presenters and speakers. Well, it looks like Jeff has one more. He's asking if you provide or support training for contractors. Well, we like to consider our contractors the professionals. However, we do provide support and training. So if there's a new technology that is coming into our marketplace, we will bring in the manufacturers, the distributors, to come and talk about those products. We also have a contractor's website which we post information for the contractors. We post, like, if we change forms or if there are other links to places that would provide them information. There is also regionally in the Northwest some projects where they actually do certify contractors to do certain types of work, like installing ductless heat pumps, is one in particular that they certify the contractors. They certify the contractors for duct sealing, for in the ducted heat pump arena and commissioning. There are programs out there to help support the contractors. We have in the past even purchased software for our contractors to use when they were beginning to do the analysis of the heating system so that they could do the balance charts and it would comport with what we would be looking at. Wonderful. Thank you again, Kathy and Jeff for those questions and answers. Just about to finish this webinar. We still have one or two minutes for additional questions if anyone has them. Great. It's already time at the end of the webinar so I would like to thank everyone who has attended this webinar and participated and asked questions and also one who would like to thank very much for the presenters at Eugen Water Electric Board Mark Freeman, Misty Fisher and Kathy Gray and Dan Morehouse for explaining and detailing their on-bill financing program in Eugen so we'd like to thank very much Chris Ball at City of Bloomfield UDT for explaining and talking about his on-bill financing pilot that has just been approved by the City Council I would like to forgot with him again and so thank you everyone for attending and I'd like to see you everyone who would like to see how City of Bloomfield goes with its pilot program so thank you very much again and thank you for Sarah Kerblat and the Iowa Municipal Association UDT Thank you very much. Bye. Thank you.


The stability of nuclei is often depicted graphically on a SegGray chart. Such a chart is named after Emilio SegGray, who was a famous nuclear physicist who won the 1959 Nobel Prize in Physics for his discovery of the antiproton. The SegGray chart is a way to depict all nuclei by plotting them as a function of their number of protons, z, and the number of neutrons, n. Let us consider what nuclei are stable and where they lie on this chart. The simplest stable nucleus is that from a hydrogen atom, that is a single proton. We write this as h with a superscript one, and it appears down in the lower corner of the SegGray chart with z equals one and n equals zero. h, of course, is the elemental symbol for hydrogen, which by definition has one proton. The superscript one means that this nucleus has one nucleon, in this case a single proton. Now there is another form of stable hydrogen, what we call another isotope of hydrogen. This is denoted hydrogen two, where the nucleus has one neutron and one proton. Being hydrogen, of course, it must have one proton, but the superscript two allows us to infer that this is a different form of hydrogen with one proton and one neutron, giving two nucleons overall. We can place it on the SegGray chart at z equals one and n equals one. Now let us look at a more complex nucleus, calcium 40. All calcium nuclei have 20 protons, but the isotope of calcium that is labelled calcium 40 must have 20 protons and 20 neutrons for 40 nucleons overall. Calcium 40 is also stable, and we can put it on the SegGray chart at z equals 20 and n equals 20. Experimentally it is found that calcium 40 is the stable calcium isotope with the smallest number of nucleons. The heaviest stable calcium isotope is calcium 48, which has 20 protons and 28 neutrons. It appears on the SegGray chart at z equals 20 and n equals 28. You might ask why this nucleus can have so many extra neutrons. The reason is that the 20 protons all repel each other and try to break the nucleus apart. The presence of the extra neutrons allows the attractive strong nuclear force that acts between all the nucleons to hold the nucleus together. For very heavy nuclei, with a large number of protons repelling each other due to the Coulomb force, many extra neutrons are needed to hold the nucleus together and make it stable. For example, one of the heaviest stable nuclei is lead 208 with 82 protons and 126 neutrons. For light nuclei, the line of stable nuclei roughly follows the diagonal along n equals z with equal numbers of protons and neutrons. But for heavy nuclei, with nucleon numbers above 80 to 100, the line of stability eventually bends over so that the heavy stable nuclei have n much greater than z, that is more neutrons than protons. In this video we have concentrated on stable nuclei. The next video will discuss the behavior of unstable nuclei.


The narcissist hasn't forgotten about you. The narcissist may have discarded you. And it may seem like they have just moved on. But they haven't forgotten about you. They may still be talking to your family or mutual friends. They may still be watching you. They may be stalking you on social media. They may be watching you at your house or at your work. You should have no doubts that the narcissist hasn't forgotten about you. Because narcissists are very obsessive. They can't let things go. They can't just forget about things. So trust and believe that they will still be watching you.


Hi guys, I know this is definitely not my normal style of video But I hope that this will help you guys if you are trying to upload a video to Instagram So you might have run into the problem of getting this screen when you try to upload a video I am going to click the add button and The video I'm trying to upload is a second from the left side And this is probably in the wrong file format for Instagram So it's going to take a little bit and then you're going to get this notification This is probably the most frustrating thing and then what it does is it likes to Duplicate the video in your camera roll At the end of the video you will see my camera roll and there's going to be an extra video on the left That's because this time I tried to upload it. It Resaved the video So how you fix this problem is a video format The normal video codec or format that is most commonly used to share things that is compressed is H.264 when you're uploading to Instagram you need to change that to H.265 So what I'm doing now is just opening up Adobe media encoder And this is just part of the Adobe suite that is used to transcode files So all I'm going to do is I know drag and drop that file into Adobe media encoder There's probably a better way and I probably know a better way, but I'm just too lazy So what you're going to do is go to the codec and then you're going to scroll down until you see H.265 You're going to click that and then I'm going to Choose where I want this saved and I want to end downloads and now I'm just going to Name it drone 3 so I know the difference between each one Then I'm going to save that and let it render let it save So I just wanted to give a shout out to Jose for actually figuring this out So if you haven't checked out his channel make sure to do so. He is one of my boyfriend's friends Is that weird to say? I don't know, but he's one of my boyfriend's co-worker Friends at his church So I just wanted to give a shout out to Jose for figuring this out And I hope this is helpful for you guys if you guys don't have media encoder I'm sure there's other websites you can use to change the file format of your video so now I'm just going to close out of this after it's done saving and Your video should be ready to share on Instagram how I get my videos from my computer to my phone is just through airdrop So obviously we're going to clear that video that didn't work There's the extra video it saved and the video in the middle is the H.265 We're going to upload that and it's going to take forever and you're gonna be on your seat because you're like oh my gosh Will this work and every time it should work because it is in the right format for Instagram This is so weird And I hope this video was very helpful for you guys that want to share videos on your Instagram stories Instagram stories note Instagram profiles and there we go Please make sure to subscribe if this video was helpful and be sure to give this video a thumbs up Check out all the amazing links down below and I'll see you guys in my next video. Bye