What's up everybody I'm evil rabbit and welcome back to the channel here on a set of Corsa the other day I was in the lobby with one of the local drift guys in my local drift scene And we were just uh having a little fun on drift playground in some tanner buddies as 14 Now before I get ripped in the comment section about the tanner buddy cars a lot of people like all the tanner buddy cars are So easy to drift. Oh, they're not as hard as some competition cars the tanner buddies cars are very Easily slideable and they are very well-handable. So a lot of people drive them It's in a lot of the lobby So why not get used to driving these cars and have fun in the cars that most lobbies are filled with so we're here today Gonna talk about these two s14s on drift playground and how like proper most of these tandems were between the two of us So like I said, I've recorded this the other day So we're gonna give a little like overview and talk about it here While we watch it like live basically here on the channel I'm watching it for the first time watching the playback while you know commentating for you guys So something's a little bit different for today a little bit of a door tap there So like I said, we were just basically throwing lap after lap of constant tandems Here on drift playground and you can see he's sucking up to my door a lot of times And a lot of people have a problem being able to stay close to a door And that's because of not you know understanding, you know left foot braking or clutch kicking and stuff like that and using too much e-brake Or basically being on too much throttle I noticed that a lot when they go into online sessions that People tend to hit me a lot I tend to get bounced around a lot and stuff like that But when you're with a group of people that you can trust like my my team, you know Usual suspects or you know these local guys that I'm starting to drift with as well that you know I've seen in the actual drift events with their real cars You know they know what's going on and they know how to sort of doors They kind of get used to your line and right there He's knows my line He kind of knows what I'm gonna be doing how I'm gonna be transitioning and he can work that way So you got to find yourself somebody that You can trust to throw a lead So he knows that I usually do a certain line so he can kind of get a little bit more aggressive in the chase position and You know, it's very good to find a good lead because in order to have a good chase You got to have a good lead and if you have a nice flowy lead driver, you can definitely get Serious doors so proper tandems here at drift playgarner definitely a thing So make sure you guys follow me on Twitter all over just down in the description box below Get some big things coming here in 2020 with these local drift guys and everything gonna be Bringing out some stuff for you guys to play with so Right there I kind of flicked a little bit too hard and I kind of angle stalled it out And he kind of had to back up a little bit, but then he's able to suck back on my door Give me a little love tap on the door which no big deal because I can handle a little bit of a tap And he's just right there He's kind of pointing right at my quarter right at my door is his wheels right at the back part of my door Which is kind of where you want to be when you're trying to suck up and chase You don't want to be too far inside on me too far back, but he has enough room to transition and transition smoothly so Advantage of us having both the same cars it was a lot easier for us to Modulate our serotonous because the cars were in the same power band so if You weren't a lobby with somebody who has a lot more horsepower You're gonna have to be doing cutting angles doing less than shallow angles to keep on their door But when you're on cars that are basically similar power, it's super easy to throw amazing tandems So that's why a lot of people like these tando buddy cars because most of them are at the same power band Which you know, I have a lot of fun throwing these cars around there. They're very well handling They're very they feel very nice on a wheel. They can feel floaty at times when you throw them on cop tires and stuff like that They're very grippy and very good So I believe we switch it up here very soon and I go into the chase position I think I can't remember how many laps we were back and forth and back and forth and back and forth just Driving and driving throw indoors I know I switched it up and I go in the chase position and I chase him down for a while We just we do this with very Minimal mess ups and you know, it was it was amazing to be able to just throw that many lap you know consecutively after lap after lap with him and You know be able to not mess up now. There's a couple times when I'm in the chase I know I do screw up. I come a little bit out of whack I come a little bit on wound and I kind of go off track But nothing I'm able to suck right back up on his door right in the next turn so If you watch, you know my hand movement I use a lot of handbrake for initiating these cars just to get the snap rotate a little bit You know, I could be using a lot less handbrake and use a little bit more left foot braking or weight transfer You know, it's just a personal style that I've grown to use I'm trying to not use handbrake as much because it's a crutch and I don't want to use it as much We almost uh, I was bit there and I believe this is where I Yeah, I flashed him to go around me and we switched it up and I tried to go in the chase position And if you watch my you know my pedal movement There's a lot of movement going on on those pedals a lot of left up brakes a lot of clutch kicks basically Torturing that clutch and we probably would have been out of tires My clutch probably would have smoked by the end of these runs because these this was probably a good solid 20-25 minutes of just pure tandem So this is something different than if you guys like this style of Where I just do some driving with some friends or the team and then they come back watch it I'm gonna give you a play-by-play and talk about it, you know here on the channel something a little bit different I know it's not that initial like pow I you know the getting this of when I'm throwing massive doors and how I change But it's a little bit of a different style talking about you know The perfect tandem's here trying to get tandem and the consistency of tandem's now Was he better chase driver than I was I would say he was a little more consistent in the chase than I was for sure His leads were consistent as well. I'm definitely getting there. My leads and chase are becoming more and more pronounced and more and more better with the You know seat time that I'm getting doing the Bushido series drift championship and stuff like that It's definitely helping and right there almost perfect transition right on his door Kind of pointing a little bit further forward than I wanted to be so You can tell if you watch this break like uses a lot of left-foot break to kind of Transition the car right there and then a little quick tap of the break to make sure he wasn't gonna overshoot that And right there he's on break. He uses a lot of left-foot braking driving So it's a different style driving than me So I was able to adapt though and you know Get to where I needed to be so I wasn't running over him and I was just solid You know Basically rev banging if you're watching, you know the dashboard behind my fan attack most of the time It's a flash and red and second gear and we stay in second gear because the gear ratio we had and the tires We had set up. I think it was on 245 I kind of cut that one a little bit short to try and catch up and then a quick You know transition back trying to flow his line and then suck up to his door And like I said feet movement is there's a lot of it It's crazy for me to look back When I'm doing this stuff because it's just second nature to me from what I'm doing it when I'm driving in the game Or driving real life It's second nature for what my feet are doing left for breaking clutching handbrake and I don't actually pay attention to it So when I look back and watch these videos and watch how much like movement I actually have on my pedals how much movement the wheels actually doing You know, it's crazy for me to see because I'm not even thinking about doing it But I am noticing as I'm watching this if you guys have been around the channel for a very long time You guys have known how Unsmooth my steering used to be and if you notice right now if you're watching my hand movements There's not much wavering not much twitching nine times out of ten I'm letting go of the wheel and it's kind of throwing itself back in the counter stair Like right there just a little bit of help kind of throwing it back But I pretty yeah I basically let go the wheel kind of float it a little bit and then just let it go and it spins into position So getting a lot more smoother on my steering and a lot more smoother on my throttle control and stuff like that So my tandems are getting a lot better It helps having a good team behind me with the usual suspects and all the support they have with You know helping me get you know tandem's helping me with the Bushido series and as well as my you know Real-life friends that I know in personally in real life that are actual drifters as well and the new local boys that I'm getting to know That you know are gonna be helping increase better now I need to get back into a real car that is something that is happening very soon Hopefully I did it used to have an S14 So if you guys have been on the channel for a while you guys know I used to talk about it I did have an S14 and I did Rick drift you know in real life for a while And it kind of got wrecked db to tire wrecked the car So looking to get a new chassis Hopefully unsure of what it's gonna be. It's either gonna be an S chassis or maybe a Z But That's what we are Going to do hopefully here coming the spring time is going to be bringing some other Real-life drift content to the channel whether it be going to local events hanging out with the local guys You know ride-alongs and you know videos and montages and stuff You know ash why are all drift events talking about you know real drift cars and doing basically you know drift car breakdowns and stuff like that Darrell was through that turn massively as Well as the gaming content, but it's not gonna strive from what my channel is You know going back to the basics of when I used to do for the horizon 3 Which was a lot of like game of drifts and stuff with friends something I want to bring back But I'm like bringing it back here on a set of Corsa the game of drift was a lot of fun We can do it a lot more interesting here instead of Corsa with the ability to have these modified tracks Well, we can do certain lines instead of You know point zones we could do clipping zones. We could also do hard parts I kind of bumped him a little bit much there that would have rode off his car, too So like I said, we had a few mishaps and a few accidents But all in all it was a very very solid Basically tandem time and there was just two of us on the track We did just bang doors back and forth. It's definitely a lot of fun, you know, and then later in the evening We kind of got some crazy four door tandems and we were stacked four deeps through Tomata circuit which hopefully I still have the footage my computer kind of had a blip and the replays Didn't say fully so I have some of them So we're gonna bring in some of those four-car stacks and stuff like that here in the channel as well Or I'm just gonna get some more these guys are very consistent. They're very you know, very cool guys So it's great to you know, have a couple Groups of very good drifters that I can throw tandems with and throw doors with so like I said There's some big things coming the channel here in 2020 not only with the fact of the VR and the PC rig And yes at a course of breaking into this, you know There's some big things that I'm also working on myself That could be an opportunity for you guys as well as subscribe to the channel to Get a little bit more involved with the channel So it's gonna be wanting to do more live streams on torque drift again You're gonna be wanting to do live streams on a set of course So we wanted to get back in the horizon three live streams and stuff like that as well as open lobbies and stuff I do have my set of course a lobby up and running is up when I am actually running so search Evel rabbit. You can usually find it when it's up I'm gonna start posting when it's up if you guys want to come in and throw tandems throw doors Usually we'll use public cars if you think cars that you don't have I Will you know, hopefully be setting up a Google Drive for those cars so that you guys can go to the drive Set and get those cars in and basically have the server cars so a Little bit different of a video here for today Basically talking about tandems and kind of just showing you guys You know how to just go lap after lap after lap of just tandems and have a lot of fun with it A little bit of a wall tap nothing major so Something different for you guys today. Hope you guys enjoyed it Make sure you guys follow me on social media and as always thank you guys for watching. I'm evil rabbit I'll see you guys on the track


In certain circumstances, there comes a situation when a court has a right to access the records and they ask for it. Despite privilege and confidentiality policies, however, certainly some courts or the legitimate may still seek access to the privileged information as well as other confidential material because there are cases in which it is inevitable that the information is accessed. The mental health professionals must certainly respect the appropriate request which has been coming from the court so they cannot be ignored. Some practitioners assume that their working notes fall outside the realm of the material subject to disclose in the court. As I mentioned to you, psychotherapy has a medical record in which the symptoms, diagnosis and treatment are given but some have their personal notes. So usually psychotherapists assume that the personal notes cannot be requested by the court and they have no right to take them. They may feel stunned when a condition is demanding that they appear in a court and they have to bring with them any and all files, documents, reports, etc. that they are being asked that whatever you have written for that line, you have to produce everything. So in those situations, it becomes very difficult for them to provide their raw material notes but by the law they are minded to provide those notes as well. In such instances, understanding the difference between a saponia and a court order becomes critically important. The matters related to court may be of different natures but this is very important to understand that in which scenarios you have to provide each and everything which is being asked to you. A saponia simply compels a response. It usually requires you to appear to a certain place, certain date and a time to testify as a witness about a particular case. Now a court order would be different or a saponia would be a different situation but in this case, it has been issued to you that you have to present somewhere and you have to testify that this is being under your treatment. So this situation is different from the court order in which you are advised that you will provide your hurt details and your notes to the court. A court order on the other hand typically follows a hearing before a judge. Now it's a different situation. In this case, a judge has to be present and you are compelled to disclose until appeal for a highest court. So in this situation, proper supreme court, high court and all these things are involved and you have to provide what is properly asked to you. In the end, the court must decide what qualifies as protected or not. Now here the court's jurisdiction is that it says that which rule can be kept through your privacy by hiding what and what you cannot hide. While facing such type of situations, therapists must also reasonably safeguard the record of a client and material from inappropriate release. Even in those cases where the court is being involved and you have to share the notes and things with the court, it is very important to keep in mind that it is particularly useful for the judge and we don't officially release them as we see on social media these days that details are open and released. So the information of the client cannot be released. It is only used for the court's judgment. That would be an ethical point of view. But it's not open for everyone to get access to that information.


So, the topic that I have for this session is minimizing CPU utilization for deep networks. So, this is just not for CPUs, it is for basically it is for how can we minimize the resources that we have while we are training a network and for us to understand why exactly I pick up this topic or I picked up this topic is because I think first we have to look we have to go back and see where I come from. So, I come from a middle class family in Uttar Pradesh right. So, middle class Uttar Pradesh that is as middle class as it gets right. So, how many of you here are from Uttar Pradesh? None right? You have been to Uttar Pradesh. Okay fine good luck, I am so happy to see you here. So, okay so middle class Uttar Pradesh just you know memorize these two words because these are going to come too often in this session and so yeah. So, I come from middle class background in Uttar Pradesh and whenever we know right whenever we want something or we want to buy something we go to our parents and we all know what happens then. I am pretty sure that you must have an idea and I went to my dad. I asked him that you know I want a GPU because I wanted to train machine learning models and my dad is pretty cool right. So, I mean all of you guys I mean who feel that the dads are cool right I mean you know. So, but my dad is pretty cool and but then you can guess his answer. His answer was no. And so then out of my own necessity I wanted to work on interesting models. I wanted to work on complicated machine learning models but I did not have a GPU. So, what else did I have? I thought that you know what maybe let me just experiment and see if I could maybe work on these machine learning models which are very resource heavy. Can I train them on my CPU or maybe utilize as less resources as possible. So, this was how I came up with this topic. Before that I just wanted to thank ODAC for having me. I think this is the best content that happens in India. I was here last year as well as it is a great experience I got to learn a lot and I am very thankful that I am again you know giving a session this year as well. So, a bit about myself I am SD at Symantec working in cybersecurity domain and I am currently working in the big data analytics team. I have a great team they support my work and let me and help me even in presenting my work at different conferences. And then I am also Intel software innovator which means that I have access to Intel technologies and access to the premium dev cloud dev cloud and other things. And then I am also a machine learning expert from Google developers. So, basically all these three things mean that I can brag about these things. So, sorry this was not supposed to be this was the last year. So, the agenda is this but looking at the agenda I think this slides suits better because I am not you ensure what these are. But let us see let us just go ahead and try to figure out one day I mean one agenda at a time. But before I start this video I kind of tend to show at every conference that I go to because I think this has motivated me it has kind of gave me the essence of why I wanted to get into machine learning. So, I will show the video I will not play the sound I will kind of give a voice over for this. So, basically this is a story about a lady named Tanya and she does not does not have any motor functions. So, below her neck she cannot move any of her muscles. So, if you can see she has these headgears which are attached to her wheelchair and using Morse code she is able to communicate right. And with all these disabilities she was able to help Google. So, basically with the help of Tanya Google was able to integrate Morse code into her Google keyboard into the Google keyboard. And I think that is what a technology really stands for. So, before watching this video I watched this video couple of years back and before that I wanted to work on interesting technologies. I wanted to work on maybe autonomous driving. I wanted to work on these cutting edge technologies. But the thing that I forgot was every innovation or every technology is there to help human kind. And I think this video is there on YouTube you should go and watch it. I think it motivated me. I hope it motivates you as well. So, this is her story about Tanya and how she went to this is her going to Google's office and helping Google integrate Morse code. And so that more and more people can use that. So, this is how she integrated she so now you can see that with the help of the new Google keyboard she was I mean people like people with special abilities like Tanya were now able to communicate and it made life easier for them. And I think if somebody with of this you know with this notion to help human kind I think this is what a technology stood for me. So, the first technique that I would like to mention it's very basic. I think everybody of you must have seen this. So, can you tell me what normalization is? Has anybody of you have any idea of what normalization is? Okay, fine. That's perfectly cool because now I can tell you anything and you have to believe me. So, no this is the perfect audience I tell you. So, normalization is basically I want to set my range for the values. I want to make sure that my values are within a certain boundary. And why we do that? Let's have a look. So, we are working on M and ISC data set which is like the hello world when it comes to image data for machine learning. And if you want to look at the data this is how a data looks like. So, this is the label 3 and this is the image 3. And if you look at the data the values range from 0 to around 255 and this is the pixel intensity for every pixel. So, a simple normalization is that I am dividing the entire data set by the maximum value. So, this will make sure that my range is now between 0 to 1 which was earlier 0 to 255 is now between 0 to 1 and the mean is 0.5. Another thing that we could do is this is we could make sure that our mean is 0. So, the range is and the value range is between minus 1 and plus 1 right. And why do we do that is because when we have mean 0 and model converges better and let's have a look how that happens. So, this is the basic model that we are using. We have these number of any examples and then this is a model simple sequential model no CNN just wanted to give it a try. So, this is when we are when we are fitting the 255 range data. So, the range is 0 to 255 and if you look at it the accuracy is 26 percent after 2 epochs right. So, and the loss is actually increasing. So, this means that a model is not learning at all. And if you look at this data which is the 0 normalization sorry 0.5 mean and this in this we have 0 mean the accuracy is around 85 93 percent in the second epoch and 85 percent in the second epoch in this case. So, basically we mean it means that with the same parameter. So, if you look at the model the model is the same the only thing we have that we have done is we have normalized the data and it has given us 4 times the accuracy that was already present. So, if we compare the graphs the accuracy is around 257 and actually decreasing this means that a model is not learning and in this case the accuracy was started at around 74 percent as going up until 85 percent and I think with just a simple technique with a simple line of code we have increased our model accuracy by 4 percent thereby reducing the number of resources that we will use we will only train for like 3 or 4 epochs otherwise if we did not have normalized data set we would have trained it for like 10 or 15 epochs to get the same accuracy. Then there are couple of other things like optimizers. So, optimizers is basically I am passing this optimizer in the in the model and let us see what happens. So, we are using the same model the model is the same the only thing that we are changing is we are going to optimize it using our own optimizer. So, there are different optimizers that you could use right. So, first is SGD the main function of the main purpose of SGD is to make sure that our model is fast I mean trains fast with every epoch we try to learn right and that happens. So, for that we need to check the time taken per step right. So, if you look at this it only takes 59 microseconds per step while you are training and if you use RMS prop although it is accurate it takes more time it takes around 64 microseconds. So, it depends on your use case whether you want to go for SGD or RMS prop I usually go for Adam which is in the next slide which is Adagrad and RMS prop combined and then we have Adelta as well. So, you can compare the accuracy here as well it is almost similar. So, since we are working with MNIC data I mean there is not a lot of scope for benchmarking but still if you want to go for faster you should definitely go for SGD but if you want to go for more accurate one Adam and Adelta I mean more preferred then we have different activations. So, for activations we provide activations because we want our model to learn non-linear functions right we do not we do not want a model just to learn linear functions. So, V went for sigmoid. So, sigmoid is basically giving it a 0 or 1 value. So, the accuracy is around 79 percent or 80 percent and if you the RLU which is basically the problem with a neural network happens is that the gradients diminish over time and RLU prevents that. So, if you look at if you look here the accuracy for the same set of data everything is the same is 86 percent if you use RLU. So, these kind of techniques like very simple but we still kind of you can use that to increase the accuracy and thereby saving resources using the same model. Then we have certain advanced activations as well. So, we have thresholded RLU and leaky RLU.  So, thresholded RLU is actually considered to be a better alternative, but here you look the accuracy is actually decreasing. So, this is not good for our data set. So, what you could do is maybe have a better network or maybe get more data things like that and then probably it will work however leaky RLU it performs better. So, if you see with RLU we were getting around 86.2 percent here we are getting 86.7 which is slightly better but still better. So, these kind of techniques that we could follow and then we have focal loss which is basically an alternative to categorical loss. So, categorical loss is used when we have multi-class classification and focal loss is something similar basically, but it with benchmark with data set which in which we benchmark our training set or our new algorithm this has proven to be better than categorical loss. So, this is the actual function and we are get around the same data same accuracy as previously and then we have a technique called as LRDK which is learning rate decay. Yeah. So, this is the function for focal loss. So, basically in focal loss what happens is we give we give weightage equally to all the nodes that are present and do not just overlook some gradients because in categorical loss we will overlook some gradients and focal loss kind of takes care of that we that is important of focal loss we can discuss that maybe data with you right. So, learning rate decay is we do not want a model to overshoot we do not want a model to learn more and then maybe overfit and or miss the minima. Therefore, we go for focal loss and if you look after every epoch I am calling a callback function and I am decreasing I decrease the learning rate and the accuracy is around 85% which is still good and if everything works well you will have something that looks like this. So, this in which in this use case I combined I think you must probably must have seen this. So, this is in this video we have combined computer vision with machine learning and I have used three models right three networks. So, we have a logistic regression network we have a shallow network and then we have a deep network and in most cases deep network will outperform all of them because deep in deep network what happens is you have certain I mean certain features that I learn automatically based on the network right. So, it is it is very good for if deep network is used with CNN I think it is it is very effective and this and it can be easily combined with maybe computer vision to maybe develop an application which has a better you know interface. And then this is actually an encoder and decoder. So, we have three so basically in you can think of it as the model is trying to draw these digits from memory. So, I am writing this digit 5 it has to recognize it and then it has to draw its from its own memory. So, I have encoded that digit and then decoded it using I mean the same network. So, we have shallow network we have a I mean logistic regression network shallow and then a deep network. And mostly the deep networks has a better memory therefore it draws a better digit and this is the basis of GANs. So, encoders and decoders are basically you know maybe used further to give you the concept of GANs. So, just before we go on to this topic I just wanted to ask you guys because it is around 5.30 right nobody sits this long in a conference you guys must have been here for so like for 10 o'clock since 10 o'clock. So, I just wanted to ask you why are you guys here right I mean it is actually very funny I if I was in Europe I will probably just have left taken a sleep it is Thursday maybe I think you guys I had to learn something new. So, let me tell you why I am here. So, I am here because so I will tell you why I was here last year. So, last year the only reason that I came for this conference and thankfully I did was because I was given free stay at Sheraton and not a lot of people could afford that not me. So, these two words middle class Uttar Pradesh came in came into picture again and the only reason why I came here because I was getting free food free stay and free travel. But I met a lot of good people here. So, last year I met people like the Panjan, Fabio, Thaddy all of my idols and I got to learn a lot from them and this year I am meeting that for the first time I have actually used his projects. So, I thank him for coming here and you know helping us understand here the session tomorrow I think I mean I will be there in the audience I think you should also attend that session. So, coming back to this topic we can also go for mind we are optimizing we can also optimize the network what does that mean let us look at this data set yes of course. So, basically in this we are trying to go with I mean there of course different techniques I mean n number of techniques I have just pointed out a couple of couple of them there of course more advanced techniques like quantization model quantization then we have model pruning but we can discuss that later. So, with one simple change we can definitely get a lot of improvements. So, in this we were working with CIFAR 10 data set in which our data set is around of 50,000 examples and it will be divided into 10 categories but the interesting thing here is that we have now three channels. So, we are working with three channels we are working with color data. So, the first architecture that we have is the same that we use in our previous examples. So, it is just a sequential fully connected layer right and if you train it we get a flat line like this right. So, the accuracy is constant for around 10 percent and for the this is a wild accuracy and the actual accuracy it decreases it increases and it decreases which means that our model is not performing at all it is not able to learn it is not able to get any features therefore the accuracy is very low. So, with a simple change if we use a convolution network we can let us see how I mean how can we improve the accuracy with a simple change we can see that the accuracy that was around 10 percent is now around 36 percent with the same number of epochs. So, and then the important thing to notice is that here we have 3 million parameters or around 4 million parameters in this case we only have 300000 parameters. So, we are only using 10 percent of the actual parameters that we use in the previous model, but still we are learning quite more. So, it is also important to understand what you use cases which model would be better for you. So, you do not need to have a machine learning model in place if and simple if else could do the trick right and this is an important project that I did. So, this is based on a resource paper by NVIDIA it is called as autopilot which was one module for behavior for one module for autonomous driving. So, there are different modules in autonomous driving this is behavioral cloning. Behavioral cloning means that given the image of the road I have to predict the steering angle and there are other modules as well. So, other modules include pedestrian detection and path planning things like that. So, all these combined to form an autonomous vehicle. So, the important thing to notice here is that we have the data set whose pics I mean the size of the data set is this I mean per image and then we this is around 2.9 GB of data set which is zipped and this is how the data set looks like. No, so this is one data set which is for 2.9 GB and this is open source by NVIDIA itself. So, this is for given the road you have to predict the steering angle right. So, this is everything is given and yeah. So, basically we will get to know that right. So, this is how the data set looks like and this is the actual model that was present in the paper. So, the paper only suggests that we can go with this model and we will get good accuracy and if we look at the data set in look at the actual model the number of parameters are 132,000 and the total pixels per image is around 40,000 right keep these two numbers in mind. But the problem with this data set is if I wanted to load this in the entire memory, if I wanted to just load it in my RAM, I was using around 8.7 GB while loading everything right. So, if somebody who has less RAM will unable to do that right will not even do that. So, there are couple of things that we could do. First is scaling which is a very simple concept we just scale the model we I mean scaled images we earlier the images were 66 by 200 by 3 we scale it to 50 by 50 by 3. So, and let us see how a model performs. But the important thing to notice is the RAM usage has decreased significantly right. So, the RAM usage is now around 1.1 GB when we are when we have loaded the entire data set in memory and this is an important fact. So, somebody who has less RAM can still work on this model can still train this model and this is the model that we have this is not the model from the paper this is the different model which starts with 50 by 50 by 3 and goes down to the final output layer and then the number of parameters remain the same and if we train it the loss is 0.13 right. So, we are not going for accuracy here because we do not have anything to compare it to we only go for mean squared error which is basically getting the actual y and the predicted y and minusing it and checking what is the loss there. So, if you look the loss is decreasing which means that a model is learning which is the good thing. So, another technique that we could do is filtering and there are couple of filters that we could define ourselves or we could just follow the OpenCV documentation and get to know. So, this is conversion to HSV which is basically HSV is a format is called as huge saturated value in which we look at different gradients. So, if you look in this image you can clearly see that the road has darker shade than the rest of the image right and this played a particular role when I was showing a data set. So, then what I could do is I could just pre-process it and eliminate the three channels I can only use one channel. So, I will I got a data set down from 50 by 50 by 3 to only 50 by 50. So, we have reduced the three channels I was only working with one channel and the RAM usage also decreased earlier it was 1.1 GB now it is only 757 MB. So, you could work anybody could easily work with this data and important yeah you can use it in the grayscale but it will actually be effective if it is in color because then it will have different gradients and you will get to actually see the difference that is what I am saying. So, let us have a look at that. So, I mean if we have the same model if everything is the same then the accuracy would decrease but then if we that is what I am saying we have to come up with certain methodology in which the accuracy is still intact or maybe if it is a decrease it should probably still be the same or almost be the same. So, now because I have only one channel I declared another model and if you look at the parameters I am only going with 30,000 parameters. So, starting from the paper if we go back to the paper model it has around 132,000 parameters and we were able to get it down to around 31,000 parameters. Let us see how it actually works and if you look at the loss the loss is 0.14 or around 0.15 right and we can see that the model is still learning. So, even though we have decreased size of the pixels on everything we still have kept the performance intact and if you want to look and also one more thing is that we could use another function which is a fit generator function which is an out of box for TensorFlow and Keras in which you do not need to load the entire data set in memory the problem that you are facing is that we had to load the entire data set in memory what if we do not have to you know load everything on in memory. So, what fit generator does is that it loads only the batch of images that are required and then gets the next batch. So, now I have used this pixel size right and the parameters are 10 million right. So, I am just going crazy with my model there and total pixel per image is this much and if you look the loss is almost exponential and I am getting a loss of 0.0074. So, if you want to work if you want to make sure that your model is very accurate or you and still want to work with it then of course this is a technique that you could use but the problem is the RAM is of course quite used quite a lot. So, this is one functionally that you could test and I followed very useful maybe you could give a try as well and. So, I change this model using the HSV preprocessor that I used and I actually got good results. So, sometimes it fails of course sometimes it fails. So, let us say whenever the predictions come it tends to go on the left side which is actually hitting the pedestrians which should not happen right it should not happen. But on long I mean on clear roads it works very well. So, this is a very clear road. So, you can see that the steering angle is able to predict that I have to take a right turn now or I have to take a left turn now. So, we have reduced the number of parameters that are required and we have also reduced our image size but then at the same time the accuracy is still intact and this is the whole point. I do not know I just got the video from YouTube and I ran my model on that and it was working good. So, this is basically you can use it with any dash cam not in Indian conditions not this is you can see right this will probably not work in Indian conditions and definitely not when you are in Uttar Pradesh. Yeah, Bangalore it yeah Bangalore will be mostly stationary because you are stuck in traffic all the time. So, yeah but then this is something that you could probably work with and then another project that I did is emoji data in which given the emoji given the hand gesture I was predicting which emoji was I was trying to say. The problem here is I had to create the entire data set and when that happens you overfit because you have different hand sizes and I cannot include I only had like even if I know like 5 or 10 people that will still not include everybody that you know every hand just in probably in India or maybe even in Bangalore. So, we could use image augmentation for that right. So, we have an auto box functionality which is called as image error generator and it helps you to descaled image maybe set some range and I will show you what exactly happens. So, this is how it augments the data. So, this is the same image however you see that this is magnified as well as mirrored right. So, even if somebody who is a left handed can still use this model that I have trained and then similarly this is actually moving it towards down and then you can see that actually adds some noise as well. So, this prevents overfitting and then this is similarly mirroring and other things and if you look at the accuracy this is trained very well. So, it goes almost up to around 98 percent which is quite good and the losses decrease it is around 0.0 something and then if everything goes well the one thing to notice is we have not used an object detection API. So, this is not an object detection API with object detection it takes a lot of I mean it takes a lot of time for each inference. So, the FPS is around 22 or 23 with these techniques with filtering I was able to get around 40 or 45 FPS on my local machine without using a GPU and then also use it and my model was trained well and the data set was quite universal that I was able to use the same data set for a different problem. So, this is I am playing rock papers user Lizard Spock with the CPU. So, this the model is the same I have just added more data more image and I have just retained the model and still it is able it is able to pick all these gestures correctly right and this is something that I am currently working on this is malaria detection. So, if you look on the left these presence of these pigmentations mean that the cell is probably I mean it is affected with malaria and then similarly on the right hand side you see that it is clear. So, it does not have malaria. So, you can train it like that but the problem is it will actually use a lot of resources right. So, we can come up with couple of filtering techniques. So, one is we can use RGB 2 HLS which is on an out of box library, but the problem with this is it actually tells you that these pigments are present but then at the same time if the cell is uninfected that also it says that probably it finds certain gradient changes here as well. So, we have used LAB filter for this and this is also an out of box and if you see that it is able to get just the pigments and the uninfected cell is still the same. So, even now if I if I reduce the dimensions of these two images I will still get very good accuracy. So, I am still working on it is not finished I am going to open source this as well and this is something that I am working on and this is something that I feel is I mean it is very I am passionate about this because this is basically Indian sign language and it is different from American sign language and this is something that I realized when I was volunteering at school for deaf and mute and the problem with Indian sign language is that it is different between different regions in India. So, within Maharashtra Pune and Mumbai had different sign languages because their teachers were different and I am pretty sure that Bangalore Pune Delhi will all have different sign languages because there are certain words which are only present in one language and not in the other. So, I am going to need your help in this project I am going to open source this project very soon and I want you guys to maybe come up with techniques to help me out in this, but let me first show you what I have done. So, basically I have again went with a lot of filtering techniques. So, instead of working with this data or this entire image I am only working with this black and white image right. So, this means that I am not using a GPU I am not using object detection I am able to get this with a simple CPU at runtime and the FPS is intact. So, this means that this could actually I mean this recognition can take place offline as well. So, if even if a system does not have internet or the system does not have a lot of resources or computing power it can still work on this ok and, but currently it is only going to recognize static gestures right. So, if you look there is no getting of the entire context or getting the entire sentence and that is something that I am currently working on and I am going to open source this and maybe you guys can have a look at that and try to improve it so that we can have one universal sign language at least within India ok. So, if you have any questions feel free to reach out there are couple of techniques that I did not cover I do not get the time to prepare for them, but there are the techniques like quantization and other techniques such as pruning which are very popular, but are not very well used and there also one more thing which is distributed deep learning which I am currently exploring and that also actually helps when we have when we are working with big data. So, feel free to reach out to me may be offline I will be available tomorrow as well ok if you have any questions I will have to take them all right sounds good all right. Thank you, thanks guys.


We're gonna hit the plus button up top. Last time we hit the invoice we're in the customer area and so this time we're just going to go to the sales receipt. This is the form it says a receipt so you might imagine it as the thing that you'd get from a cash register or something to help you remember which form does what. We're going to add a new customer here I'm just going to call it string music so I'm just making up the customer. Now if we're at a cash register then you might not have you might not get the customer information if you're at like a food truck or something you might just have a generic customer item here because you're not going to get the name of everybody. If you have repeat customers or if you sell larger things it's more likely that you might be able to get their personal information and whatnot and send them your newsletter but we're just going to add just enough information to populate our our customer field here. This is the required field right there so I'm just going to post that that's got the asterisk I'm going to save it and the email might not be as important as with an invoice because we're making the sale at this point in time but if we can collect the email it would be nice so that we can send them our newsletter and everything and then we're going to say that this is on the 19th plus I'm hitting the plus button bringing it up to the 19th and so I'm tabbing through the we'll keep the sales receipt populating automatically the location like with the invoice is necessary in order to calculate the sales tax if sales tax is applicable tags we're not going to have anything on the tags with the payment type this is an informational field I'm going to imagine it's going to be cash here just for the same reasons I want to group my cash together when we make the deposit to show you this this concept with the undeposited funds and so on but you can have check you can have credit card and if if you have an electronic transfer or something you can add another one if you would like that another one it doesn't really change how the transaction is going to happen the accounts impacted in other words but it's a it's an informational tool I'm not going to put a reference number and then the deposit to this is the key we could put it into the checking account but if we're making multiple sales at our cash register and we deposit them directly into the checking account and then when we physically make the cash deposits and the same would be the case with the credit card because the credit card company will likely not deposit into our checking account one by one sale but with some kind of grouping process so we're going to have to talk to the credit card company to figure out how they're grouping it so we can come up with a system that will work if we're making the cash deposits we're not going to go to the bank and cash deposit one five dollar bill at a time we're going to put them into the bank usually in one lump sum so if we do that then when I do the reconciliation it's going to show up on the bank statements possibly with the bank feeds or through the bank reconciliation as one lump sum so I don't want to put it directly into the cash checking account typically but rather go through the payments to deposit which is like the undeposited funds this is the same thing when we talked about the accrual process when we had an invoice and then the receive payment but when you're doing other sales receipt at a cash register you're even more likely to need this this step because it's likely you're getting cash and therefore you need that that added payments to deposit or likely you're getting credit cards at that point in time if you were getting electronic transfers then it's more likely that you can just enter it directly into the checking account because it's going to show up on your bank statement with with just that one number or if you're getting a check it's more likely that you could put it directly into your bank account that way as well because it's going to be in there one lump sum the other thing that's kind of interesting and why I kind of still like using the payments to deposit instead of going directly to the checking account with a sales receipt or the receive payment is because when I organize the data in the cash account as we will see it's kind of nice to have all the increases only be from deposits because then you can just search by deposits and you can look at the increases possibly there'll be a transfer that could be an increase as well but that limits your fields if you have sales receipts that are also increasing the accounts and other kind of ink then it then it becomes a little bit more difficult to sort but that's kind of a technical minor detail okay then we got the products we'll enter the items that we set up in a prior presentation just like with the invoice so I'm going to sell an ELP so that's going to be our epiphone lust poll we imagine they bring these up to the to the shop and we'll just say one of those bring them up in the shop to us this is it actually I want a GS let's do a GSB a GSB not an ELP and have one of those that's a more expensive guitar so we upsold them to them to this whatever okay here we go and then the other one is going to be and then that will have an ELP as well let's do an ELP2 so an ELP and let's say we had three of those three of those for whatever reason and 500 so that comes out to a total of the 2002 77 those are both taxable items so that looks good and then it's trying to tax down here on the location so there it goes and then I'm going to hit the drop down and I'm going to use my 5% tax to make it generic so I'm just doing that to make it a generic problem you could also if you wanted to change it to match what we're putting in here you can hit the the sales tax item here and you can edit it generally in there if you were on the at location one and you can override it if you want just so you can match the numbers out for our generic problem purposes so there we have it what's this going to do when we record it well it's a sales receipt that means that there's going to be payment that happened at the point of sale so there's going to be an increase typically in some kind of of a cash account this case not the check-in account but we put it into the payments to deposit which is like the undeposited funds account because they've changed the term of it but it's basically the same thing if you've worked with the undeposited funds account then the other side is going to and that amount is going to be the full amount including the sales tax and then the other side is going to go to the revenue accounts driven by the items by the 2002 77 the difference is going to go not to revenue but to a payable because we're acting as the tax collector of the 11385 and then we're also going to have a decrease to the inventory by amounts not on the actual sales receipt but driven by these items and then we're going to have an increase in cost of goods sold by that same amount the impact on the income statement will be the increase in revenue minus the cost of goods sold which isn't on this form but driven by the items and we're going to have a decrease to the inventory accounts sub ledger by units for the guitars that were sold so a lot happened in here but notice the data input could be done by just someone working out of cash register right and they could just populate that charge and we're good to go so let's save it now obviously if you go down here you can you can add lines message to display message display on a statement you can add attachments and so on you can cancel you can clear you can print preview let's look at what it looks like this you can use this form to provide but it's not probably as likely that you're going to give it to the customer or as important as say an invoice but it is a form that you might provide externally as well so if you could customize it whatnot so make recurring and you can customize and then you've got your more options copy void delete trans transaction journal audit history and then the options here save and new save and close save and send


All living things face competition for resources. One way of dealing with this is to migrate or expand into new areas.  So plants expand their territories through their offspring, and they've got some ingenious ways of doing this. Some plants use the wind for transportation. We're all familiar with the dandelion seed, and how about the seed of this maple tree? Other plant seeds float to a new location on streams and rivers. And there are all sorts of ways for plant seeds to be carried to new locations by animals. Birds, like this puncture vine, get caught in fur. Rodents often move seeds around in their efforts to store food. Birds eat berries and then deposit the seeds in a new location, along with a dose of fertilizer. This plant is called caragena. Its seeds actually explode out of the fruit, landing as far as 20 feet away. Some plants, such as aspen, expand their territory by starting new shoots off of old roots, allowing them to be one of the world's largest living organisms. Now that's impressive. From the University of Wyoming Cooperative Extension Service, I'm Zola Ryan.


this video is sponsored by Squarespace. I'm naturally a very disorganized person. It's weird for me to say that because professionally I used to be a librarian so you'd think that someone that would go into a field like that, librarianship would be organized. And the thing is I desperately want to be organized. So I go through these cycles, basically I adopt a system for ordering all the things in my life or a subset of things in my life. And sometimes I can stay organized with those things for months or even years when the system is really working. But then all it takes is a little crack in that system for everything to fall apart. And I end up with something like this. I'm ashamed to admit that this is my collection of cables for astrophotography at the moment. Here's how this happened. If you go back a few years in my channel, you can find a series of videos on cable management. I was just getting back into making YouTube videos. So they're a little bit awkward, but I think still pretty good and relevant in terms of the information because it did work really well for me for quite a long time. The system I devised back then was a single telescope. It was my stellar view telescope in a custom padded box where all of the cabling and accessories and everything remained hooked up on top of the telescope. So all I had to do was just take out the whole thing, put it on a mount, connect a few cables, and I was imaging. And this was really great. At the time I was a mobile imager, meaning that I was always traveling by car to get out of Boston to do astrophotography. So it was designed around that idea to have my gear safe while driving and then to get it set up quickly when I arrived at the dark site. So the main thing that helped with that was of course, you know, a padded box that was custom that fit everything. But in addition to that, I used the original Pegasus power box for all the power distribution. So what happened? Well, the main thing was I started doing a lot more reviews on my YouTube channel here, and that means that new equipment will come in for a few months, I test it out, I do the review, and then the equipment leaves. But during those few months, I need to build up an astrophotography kit around whatever I'm reviewing, whether it's a telescope, a camera, a mount, or even an accessory sometimes. And when you have to build up a kit, you might start cannibalizing your existing kits. And that's what happened to me. So I had this perfect travel kit built around the Stellarview telescope. But then when a new piece of equipment came in, I would borrow a cable from here, put it over here, and then another new piece of equipment come in, I'd borrow that cable and put it somewhere else. And eventually the whole thing just became a mess. And I had no working systems, no working kits. So I'm ashamed of this because the truth is that this is an impediment to actually getting my work done. I really need a new strategy for cables where it makes sense. I'm not just going through a huge cable mess every time I have to put together a new rig. So here's what I've come up with. And I'm pretty optimistic that this should work better for me. Now I want to emphasize that better for me because, of course, your situation would probably be different than mine. But hopefully you can take some things from this that might be helpful. So it's a strategy with a few different parts. Part one is labeling. And you might think why label a cable? Shouldn't it be obvious just by looking at the ends of the cable? Well, that's what I thought. So that's why I've never labeled my cables. But then I started thinking about it. And when I am going through this cable mess and I need a certain USB cable, I realized it takes a long time to actually look at all those different connectors and be like, oh, well, this is A to standard B. And this is A to micro B and mini B and USB C. So labels do really speed things up because you just find the A connector. You read the label, you know what the other end is. The second thing I'm doing is I'm installing cable racks. And I saw these on one of my observatory tours. My friend, Christopher Baker, had them in his observatory. And I thought, wow, that is an excellent idea. So I'm still working on building my observatory. So at least for right now, these racks are just going up in the garage. But I have one rack for data cables, one rack for power cables. And of course, the cables are grouped by type and also length to some degree. And the third part to my strategy is Nick from Smart Components on Etsy. He's a store on Etsy. He sent me some of his 3D printed cable organizers that work with my ZWO and QHY astronomy cameras. And these cable organizers are great because they go right onto the back of the camera. And then it's very easy to route different cables and keep everything a lot more organized than just having the cables sort of fall off and go in any random direction. And the final thing in my strategy is I'm considering replacing my beloved pocket power box and Anker USB hub with this new Pegasus product, which is their saddle power box. Basically, this is like one of their newer advanced pocket power boxes where they added the USB hub. But now the whole power box is built into the saddle. So where you attach the telescope, the saddle can accept either Vixen or as law as Mandy dovetail plates, and it can be adapted to a variety of mounts. So I've been using this saddle power box on the Nix 101 because Pegasus sent the whole thing as a unit because I'm reviewing the Nix 101. But like I said, I've really considering buying one of these saddle boxes myself because I've just been really impressed by it. And there's various adapters that you can get. So you can attach it to different mounts, not just the Nix 101, but I could attach it to my EQ6R or my AM5 or maybe new mounts that come in for testing. So to explain why I like this saddle power box better than the pocket power box, especially for cable management, let's now go through an example of rigging up a telescope with my new strategy here for cable management. Okay, so to set the stage, let's say this is the afternoon before testing something new for the channel and the forecast is clear for tonight. So I have all my cables on the wall here and I have my saddle power box from Pegasus Astro installed on the mount that I'm using. In this case, the Pegasus Nix 101. And the first step is I attach the telescope and the camera to the mount. I then install the guide scope and guide camera. And in the case of this telescope setup, which is the Ascar FMA 180 Pro, where would I now put the pocket power box? It could just dangle off the side. I could spend time rigging something complex up using cheese plates and a longer dovetail. But this is why I like the saddle power box because all the connectivity I need is now right in the saddle. So it just makes it really easy. I just slide on my smart components cable organizers, then I go back to my cable racks on the wall, pull the cables I'll need for this kit and route them all in. In this case, I need a USB-C cable for the guide camera, a USB-B cable for the filter wheel, another USB-B cable for the mount, a USB-3 cable for the main camera, dew heater bands for both the telescope and the guide scope, a regular power cable for the camera, power cables for the saddle and the mount, and finally a USB-3 cable for the PC. So that is a lot of cables, but between the saddle power box and the cable organizers from Smart Components and a couple Velcro ties, it's all quite tidy as you can see here. So my plan from here would be to keep this rig set up like this as long as I'm testing whatever it is I'm testing. And then when the review is over, all the cables would go back in their spots on the wall. So you may have noticed looking at my cable rack that I have a lot of cables for astrophotography. I like to have plenty of backups, but I'm probably overstocked on some cables and understocked on others. So after I finish the observatory and settle a bit more with what I'm doing, I'm going to do a cable audit and make sure that I have what I need for the permanent rigs, the testing rigs, and at least one backup for everything. I really think that's another one of my good ideas is to have at least one backup cable for every kind of cable that you use normally. As astrophotographers, we put our cables through a lot more abuse than you would just through general computing. So they have shorter life spans, at least that's what I've noticed. This video is sponsored by Squarespace. I use Squarespace for my personal portfolio of photography at Nikocarver.com because Squarespace makes it super easy with their website builder and their flexible but professional templates. There is a template for every kind of website you'd want to design and then of course you can customize your website on both the design and of course the content, however you wish, quite easily with their drag and drop engine. And of course, since it's 2023, these designs look great on mobile devices as well as your laptop or desktops. And that's done through responsive design. I've also found Squarespace takes the hassle out of managing websites and there's a huge amount of included features that you don't have to homebrew yourself, like if you need an online store, that's built in. If you're looking for any kind of contact form, all these kinds of things, they're built into Squarespace. So whatever kind of website you're looking for, whether it's a portfolio of your photographs like me or a site for your small business, I think you're going to love Squarespace. You can get a free trial today at Squarespace.com slash Nebula Photos. When you're ready to launch, you can use the code Nebula Photos to get 10% off your first purchase of a website or domain. This has been Nikocarver from Nebula Photos. Clear skies, everyone.


Good day and welcome. Every year since 1948, on the third Thursday in October, credit unions worldwide celebrate International Credit Union Day. On that day, credit unions seek to raise awareness about the tremendous work that credit unions and other financial cooperatives are doing around the world and thereby hope to motivate other persons to join credit unions and motivate members to become more engaged. This year, 2023 is the 75th anniversary of celebration of the International Credit Union Day, the theme that's celebrating the spirit of the global credit union movement. Here in St. Lucia, in addition to celebrating International Credit Union Day, credit unions have used the whole month of October to host a variety of activities which celebrate achievement, demonstrate appreciation to members, and educate members and the public about credit unions. One of the tools employed to educate members and the public has been the panel discussion. Hence the reason for us being here today. At these panel discussions, we bring together active employees of credit unions and volunteers to share with you, our audience, all things credit union, to seek to raise awareness of credit unions, what they have done, what they are doing, and what they can be doing. I am Mark Horville-Combie, a member of the St. Lucia Teachers Credit Cooperative and the moderator for today's panel discussion. To the far right, to my very far right, is Miss Antonia Joseph, who is the general manager of the Elk City of Castro's Credit Union. Squashed between the two ladies is Mr. Lucius Elevic, general manager of the Labry Cooperative Credit Union. And to my immediate right, Miss Marilyn Prince, who is the treasurer of the Denry Cooperative Credit Union, and also the assistant secretary of the board of directors of the St. Lucia Cooperative Credit Union League. Welcome, colleagues. Thank you. Miss Prince, may you be status of, what are the benefits of credit unions? OK, good morning, everyone. And I first want to say that everyone should be a part of a credit union. And I will explain why. It is the right balance for a financial diet. I call it the financial appetizer. And let me explain that. When you are part of a credit union, you know this institution is member-owned, and it's run by the members. Therefore, you as a shareholder, you get to be in the decision-making of that organization. Also, you get to share the surplus in the form of dividends. And that means that automatically means that you have an increase on your accounts. So again, you can't go wrong just joining a credit union. Also, everyone has financial goals, whether it be you want to save up for a project or you want to save up for a special cause. For some people, it's about saving up for an emergency fund. What better place to do that than a credit union? Because the credit union, it fits right into this plan. And we say that because saving at a credit union, it heals higher saving interest. And that is favorable to you. And therefore, if you just say, OK, I want to save, and you get a normal checking account, it might just heal interests that are not as much as the credit union. So for me, especially for me as a young person, I want to put my financial resources in a place where it's going to heal that interest. So if I want to, say, build my house, or I want to take up a project, I know my financial resources is safe at a credit union. And just one more. For me, being part of a credit union, it allows me to develop as a person. So not only I'm getting these financial resources and the security there, but being part of volunteering at that credit union, it helps me develop so many things. So again, I would advise everyone, if you can get the nearest credit union and you can enjoy these benefits that I have said, and then you'll be hearing later from the other panelists. Many of the points which have been made about the benefits of the credit union can be accessed in other financial institutions. So how do we accentuate the differences between a credit union and how do we accentuate the credit union difference? Mr. Elephant? OK, thank you, Mr. Kambi. I am a little happy to be associated with the credit union movement of St. Lucia. As with all movements, there must be a cause. And the cause for which we strive is to exert economic and social justice within the market forces that confront our operations. The cost structures, and let us say the revenue structures of credit unions are similar to that of the, let us call them, the other providers of financial services. We encounter the same sources of risks, be it inflationary pressures, credit risks, what? Operational risk, market risk. But the important difference between the credit union and the other providers of financial services is how we respond to those risks. And the important difference there is our belief systems. The belief systems of credit union can probably summarize using three important concepts. The first being member ownership, member control, and member benefits. And this, if you want to call it, this forms a bedrock against which we craft and implement strategies. There is a phrase in Creole that we say, nupakachwe ko by ko. One would not kill himself for himself. It is actually counterintuitive. So as a cooperative, even our race is not dead, the very reason for which we exist is to create benefits, what we call the cooperative benefits. And by definition, cooperative benefits actually is a composite of economic value and social value. Over the years, the credit union movement have been experiencing significant growth. And even when we measure our performance, we seem to accentuate and emphasize the economic value. I think a time has come where we need to reflect as a movement. Remember, our cause is to exert social and economic justice within the market in which we operate. And that cause is the cause of all of us. So we are saying that as we move, my fear is, we don't have a point where the credit union is doing well and yet its members suffer. If we ever reached that point, it would be a situation where we no longer have members but customers. And that, I think, is a good point at which we can take our first break. Thank you, Mr. Helvick. When we come back, we will move on from that point. I will develop it a bit further. Suicidal thoughts, like other mental health challenges, can affect anyone. It can be you, your colleague, family member, or neighbor. Everyone has a role to play in preventing suicide. Know the warning signs. If you or someone you know is in crisis or emotional distress, call the Suicide Hotline at 203. Remember, help is available. This is a message from the Employee Assistance Program, Department of the Public Service. Contact us at 468.2269 or 468.2260. Welcome back. At the first break, we had Mr. Helvick expounding on the importance of us as a credit union not to lose that difference. And he was emphasizing this, that social, economic, and social justice. So can you just tie up that point a bit further? OK, yes. And this is the universal, if you want to call it, definition of the cooperative. But then we operate in a field, and then we have to adapt and respond. Because whereas we are a spouse, we still have to be competitive, we still have to provide our members still want benefits using the least cost method. And sometimes you reach a point where the whole concept, what we call isomorphism, where we become homogenized, where we lose our identity as a cooperative. And quickly, there are three major forces that tend to push us, I'll use the word banks, that push us towards almost resembling banks. And the first point would be that of what we call cohesive isomorphism. And it comes sometimes through our regulators. It comes from the laws that are passed in parliament that we are pushed into a particular practice. And sometimes we have no choice because they are regulators.  They come up with concepts of benchmarks and standards. And that these are actually generated from what we call profit maximizing entities, investor-owned entities. And they want to tell us that they are inadequacies in what we are doing. And so we're supposed to become more homogenized through. And the other one is what we call mimetic. We in a movement sometimes, we are not sure of probably the technology that is being used. We are not sure of how to analyze macroeconomic variables. And so we think probably a bank maybe is better able at doing it. So since we are not sure of ourselves, we mimic. And lo and behold, we lose that differentiating characteristic. And then there's a blur between us and the other profit maximizing providers of financial services. Something as a movement in 2023, we need that point of reflection. The future of cooperative institutions yet to be returned, we all have a part at this time in writing that future. Lots of valid points. But as you said, how do we prevent ourselves from being? Because for example, I know one of the things which our members ask for, and we have to make decisions about, is technology. How do we achieve effectiveness and efficiency through technology and how not to allow that to make us lose our identity? Ms. Joseph, what's your thoughts on this? Thank you, Mr. Kombi. I was really going into caring for community, but I'm happy you put this question of technology on to me. Whilst we may want to align the whole aspect of the credit union with technology, one of the things that we need to be very careful of is that our credit unions really stemmed from our hardcore members, and there really is all the folks who are with the credit unions. And we now have the new generation we do. We need to ensure that we take care of them. Whilst what we do not want to happen is that, like Mr. Elific alluded to earlier, we do not want to mention banks. But we do not want our members to continue to gravitate towards those institutions where the technology is being presented to them on a platter. So we need to somehow continue to create our basic principle, which is savings and helping the community. Savings, while we help our communities to develop in our seventh principle of caring for community. Whilst also taking into consideration that, yes, we need the technology to enable us to move over into 2024, 2025, 2026, and beyond. Because this is where everyone needs a card to flash and say we're going to purchase something. We do not want the aspect of people coming into the credit unions all the time to withdraw funds or to withdraw a slip on a slip. People that the time factor, people do not have the time that they would need right now to get to the credit unions physically. So they want that ready cash available when they require it. So, yes, in terms of technology, we need to ensure that we go digital in some aspects. Paying your bills online, we need to be able to, the credit unions, we need to be able to move forward with this aspect of paying your bills online. Not all of us are very tired. We come from work. We have not paid the bills. We don't want to walk into a utility company. Yes, we need to go. There are many ways other than having members to withdraw funds from their account. A lot of ways that we could use that technology to ensure that we assist our members moving forward, helping the community. I'm a salesperson, Mr. Alevic. I came to you with this piece of technology. I said this will improve efficiency and productivity. What goes through your mind in making a decision about the technology? The first thing there is, to what extent it would cause us to espouse that cooperative difference? To what extent it would help me minimize costs? The question of operational efficiency, operational effectiveness, this is an important goal. We have to produce two outputs in a credit union, economic output and social output. And the social output is actually financed from our surplus. So then I have to interrogate that bit of technology and see to the extent to which it helps me with my efficiency, help me with my effectiveness. In terms of the role of technology, I look at it, if I have to use, let's say, a metaphor, I look at technology as a buffet table, okay? If you know you're lactose intolerant, you should look at the dairy. So the focus of the glamour and the glitz, it has to be evaluated vis-à-vis our mission, our purpose, vis-à-vis our cost minimization, because our members want values, but they also compare the cost of that value. So we need a kind of multivariate approach in determining which bit of technology is consistent with us as our cooperative. In our field of membership, we have persons from who are versed in technology to those who would be critical of us not having the technology. So we need a blend. We do not want a credit union to be a situation for the next generation to say, credit union, that's what my grandmother used to do business. So we have to remain relevant, okay? And then that is the future. There is the important role of technology, but again, I'm saying we need that kind of litmus test to determine which bit of technology is appropriate for us to us at a given point in time, okay? And again, end on a good note first to take our second break. And when we come back in our final break, we will spend, after this break, our final segment, we will spend some time on promoting the social values of the cooperative. Thank you. What's in the food you're eating? Do you really even know? All the chemicals and hormones used to accelerate their growth? All the artificial flavoring Sweeteners and colors too We consume and we don't spare a thought for the damage that they'll do No Think about the children Think about the children How will we save it? Cells and GMOs are not the solution Use organic and join Excessive agrochemical use, Additives and genetically modified foods are harmful to health and the environment Join the Good Food Revolution Grow, buy and consume organic A message from Rye St. Lucia and the Ministry of Sustainable Development with funding from the GEF Small Grants Program, UNDP The Good Food Revolution Welcome back to our final segment of our panel discussion I will return to Ms. Joseph because she had to share with us She was keen on sharing with us some things in terms of the social values and in terms of what the credit union can be, movement, not just credit the credit union can be doing to address some of the social ills which we are encountering Thank you Mr. Kombi The passion here for me and for credit unions should be our principles and the bottom of this is principle seven, caring for community We as credit unions continue to care for our members They say that every member is unique We listen to the members That's what credit unions do We listen to the members and nurture them We take them out of situations that they marginalize and even out of lives of crime When we listen to them we hear their stories and there are lots of untold stories from those members and there are lots of stories to be told We listen to them, we assist them We hear their story The important thing We look at the whole person the member what their needs are and we assist them We beat from how they were nurtured how they were socialized what it influences them now what it will be influencing them in the future We take those stories and assist them accordingly They go out there and then they go into the communities and share those stories out there They are there What we need to do as credit unions in the future is take those stories and ensure that we assist our members the social aspect of it use those surpluses that we mentioned earlier on to assist those members the youth to take them out of those lives of crime that is continually plaguing us How we do that allocate some of those surpluses to the movement should allocate some of those surpluses to assist in our communities to assist in the members to assist in the youth in building small businesses which we can use and monitor and nurture them and also give them the financial literacy that we are so good at doing the financial literacy that they require We all do it as managers we all do it as volunteers and that's what we should continue to do The credit unions give the surpluses to assist those members in that regard So I'll ask each of you, Mr. Elevick and then Ms. Binh What would you think would be one of the social issues that you think the credit union movement has working together can address? One of the things that I'm a big proponent of socialization I think a lot of the Ilza society seem to stem from how we socialize our young ones And it comes in the whole question of the quality of parenting In St. Lucia it appears the fecundity rate has gone down I remember growing up when Shanti sang St. Lucia going low low low because of high population growth and then now we are in a phase where these the parents or the people who were born during that time now have children and as a society it appears that the quality of parenting seems to be deteriorating And credit unions, let's say, for a keen sense of social mindedness should probably come together to look at how we could address that It is what the sociologists might probably call a wicked problem A wicked problem is one that is difficult to define And if it is difficult to define it would be difficult even to come up with a solution But then we need to take a generalized view and probably focus on a particular aspect of it And I think as a movement collectively let us look at how we could use our collective surplus to address that aspect of the Ilza confrontinous Okay Very quickly what area you think the credit union movement as a whole can address in terms of social? Okay We find there are problems with the young ones, the school leavers And when they go out in the world of work the transition for them can be very difficult because they are sheltered at school But when they make that leap it's like they get confused they don't know what to do, where to go Okay, maybe if I have a job how do I allocate my resources to move forward? So I think the credit union can look at the school leavers and begin to give them that base, that foundation so that when they leave and go out in the world they know exactly where they're going and how they can spring from this so the support is very necessary Okay, thank you As usual with programs like that time is never enough but what as the panel discussions are designed to do is to wet the appetite of our members to wet the appetite of the public at large to what is possible, what we can do And so we have heard some of the areas which we think the credit union movement can move forward through in the future and so we encourage that discussion to continue in the individual credit unions at the league level so that we as a credit union movement is not just a financial institution but as Mr. Elevick said with us that we are also a social movement and not just economic, we are a social movement and it would be great that if we as credit unions who have achieved so much economically can now help St. Lucia overcome some of the issues which they are facing social So again, Ms. Joseph, Mr. Elevick, and Ms. Prince thank you for joining us and for those of you in the audience ratio world What view in this? Thank you very much Have a blessed day Thank you, thank you, thank you