Yeah, as you'll have just heard, we've just started recording because we like to make these sessions available after the fact so that people who couldn't make it can hear. So it does mean that if your camera's on or your microphone's on, then you may be captured in the recording. If for whatever reason, you don't want that, you can turn those things off, but we love to be able to see your face if you're happy to potentially show up. So today, I'm actually only doing this very first part, which is acknowledging and celebrating the first Australians on whose traditional lands we meet. Today, I join you from Canberra, the lands of the Ngunnawal and Nambri people. I'd like to pay my respects to their elders, past, present, emerging and those all around Australia. I'm feeling particularly privileged to join you from this land today. I spent the weekend in one of the national parks, and I'm really appreciative of being able to join you from somewhere so beautiful and so peaceful. So thanks for coming along to this meeting of the Sensitive Data Interest Group. I normally chair these meetings, but today, I'm both happy and sad to hand you over to Kylie Black, who I've had a change of role within ARDC, and Kylie is now taking the helm as Sensitive Data Expertise Coordinator. I'm sure that's not your official title, Kylie, but it's the one I've just given you. And so from now on, Kylie will be organising and chairing these meetings, although I will still be lurking in them because they're so interesting. So yeah, I'd just like to thank Kylie and hand over to you. Thanks so much, Nicola, for that handover and intro. And I've got to say, Nicola has left me with some big shoes to fill. So yeah, hopefully we can keep going with the good work and the really interesting topics. And it's fabulous to have your support and the handover and all the links and everything. Yeah, it just makes it so much easier. So yeah, I'm going to do my own acknowledgement of country. I'm here in Perth on the lands of the Wachau Nunga people, where it is nice and cool today, unlike the East Coast. So that doesn't happen very often. So we'll enjoy this cool weather while we've got it. So yeah, I'd like to pay respect to the Elders' past, present and emerging here as well in WI. OK, so Nicola's already mentioned about the privacy and recording. Yeah, we've got the recording happening and I will make it available on the YouTube channel along with the other OSTIC recordings through the ARDC. So yeah, just turn off your video if you don't want to be identified in the recording. So if you are happy to do that, it's nice to see some friendly faces and especially for Lisa when she does her presentation. OK, also, we do have the OSTIC mailing list, which many of you might have seen the post about today's session. If not, you can you're very welcome to subscribe to that mailing list and be notified of future meetings that are happening. We also have a collaborative notes document. I'll put the link in the chat in a sec. And we'll have got notes about our previous meetings, links to all the recordings and there's space in there to add suggestions for future meetings. So lovely to get your ideas on what you'd like to hear about when we meet in future. OK, so now I would like to hand over to our guest speaker today, Dr. Lisa Eckstein. I would like to also give credit to Kristen King, who, as I've said, everybody knows. If you're recommending Lisa to present today, Kristen works with Lisa as part of the Hesanda Project. And I thought that this idea of sharing information about the National Data's Sharing Statement and all the work she's been doing in the informed project will be of interest to this group. So what I might do is I'll stop sharing so Lisa can start. And what we'll do is hopefully we'll have time for some questions and discussion at the end. So if you could just hold your thoughts until the end, we can have a chat afterwards. That's totally fine. If people want to jump in while I'm talking, that's also fine, especially if people have limited time and unable to stay to the end. I may not always see it on the screen, but feel free to treat this quite informally and jump in as needed is fine by me. If it's fine by others. OK, let me start sharing. Lisa. OK, is that working for you? Yeah. OK, perfect. I am Lisa Eckstein, as Kylie has mentioned, and thank you to Christian for bringing me into the loop. I do want to note that I'm really here presenting on behalf of the informed project team. And I do want to acknowledge Sky Nolan, one of our team members who takes the lion's share of the credit for developing the slide pack that is a lot of what I am using. The work, no. Here we go. Given my own acknowledgement of country, I am in Nicoluna, Hobart, on the beautiful land of the Muaninia people. I do want to pay my respect to the Tasmanian Aboriginal community, past and present and emerging. As Kylie mentioned, I have the privilege of directing the CTIQ project and in particular talking to you today about really something that has been CTIQ's flagship project over the last couple of years, which is the informed project. I do hope that many of you have had a chance to download the template and the user guide for some additional context on what I am talking about. All of our template, user guide and portal for feedback is at www.informedpicf.com.au. Please do go there to download and to provide feedback. There one of the things that we have set up is capturing people's email addresses so that we can prompt them for feedback. But some people's email addresses are blocking delivery of the template and user guide. If that is happening to you or has happened to you, feel free to email me or the email address listed up there on the website. And we can just email you a copy of it directly. OK, let me just say something in the chat. OK, thanks, Kylie. Put it in the chat. OK. Beginning question is, who is CTIQ and why on earth would we be doing this project? CTIQ started up in 2018 as an Australian member based organisation. Our founding members were Belbury Limited, the Australian Clinical Trial Alliance, the NHMRC Clinical Trial Centre and the George Institute for Global Research. Once we joined with the benefit of MTP Connect Growth Centre funding, we also brought Medicines Australia and the Medical Technology Association of Australia into our executive committee, which is our main decision making body, so that we had broad representation from across the sector. We also now have about 50 members from across the Australian clinical research sector. And increasingly, I should be saying health and medical research sector, because really now a lot of our members are medical research, but not necessarily clinical research. What we try to do is take on projects that can improve the efficiency, quality and effectiveness of medical research in Australia and develop recommendations for improvement. Our seventh project is the one that I'm going to be talking to you about today, the informed project, which had no small task of seeking to design a concise consumer-centred participant information and consent form for Australian health and medical research. Not an easy task and one that has taken a considerable amount of time. I'll run you through what has been going on in the last couple of years to give you a sense of the lay of the land and also how we came to join forces with Christian and Cassandra to include as part of the informed project a national data sharing statement. So a couple of years ago, we first set up a project team to develop a revised PICF, did some background research on what makes a good PICF, what should we be aspiring to, supplemented that with stakeholder and consumer surveys to find out from both consumers and people working in medical research, what they thought of PICFs they were currently using, what they would like to see in PICFs and then started developing early drafts of what a national consumer-centred participant information and consent form could and should look like. At about that time, Christian and his colleagues got in touch with us to say, we'll look as part of this work, could we have a focus on a national data sharing statement so that we can provide that to her Santa nodes to have a really robust framework for future data sharing to which we said, amazing, let's do this together. And so that has been a really helpful and really constructive part of how the informed project has moved forward. With that in place, we developed an example library, worked up three mock participant information and consent forms based on the template as it was at that point in time to do consumer consultations. And so for those, we used real studies. One was an early phase device trial donated to us from Biotronic. One repurposed kidney drug study from the Australian Kidney Network and one a low-risk social science mental health study provided to us from origin. We did three consumer consultations run by Dr. Tanya Simmons to see what people thought of the mock PICFs, revised the template further based on that feedback and then developed a user guide. In the work that we've done, we've really followed four key principles. Oh, thanks, Christian, for providing that context. The first of these has been involving consumers in the work that we've done. I'll talk a bit about that. I've mentioned it already. Simplifying language and layout, using visual aids and layering information. So in terms of involving consumers, as context, we've had two consumers on the project team from the outset. We got 157 complete responses for the consumer survey that we issued and did the three consumer focus groups. Worth noting for those focus groups, we recruited through an external provider and had them specifically recruit for culturally and educationally diverse backgrounds. Simplifying language and layout, I'll talk about this generally and then I'll talk about it more specifically for the national data sharing statement. Biggest thing we heard particularly from consumers is that many of the PICFs are just really hard to read and navigate. They tend to be very text heavy, very few subheadings and very just hard on the eye to navigate and have a lot of black and white space. So we put a lot of effort into the formatting of what we've developed to try and make it easy for people to navigate. When the team initially started work, there was this idea that we wanted to make the peak really short. So we had this aspirational idea it was gonna be a full page participant information and consent form. What we actually heard from consumers particularly is they didn't mind the length, they didn't mind if it was eight or nine pages as long as it was easy to navigate and they much preferred extra white space even if that meant it ended up longer. Okay, we'll talk a bit about the privacy language that we put in later but just to give you a sense of where we ended up and where we came from, the left here is the privacy language as it ended up in the beta version template. The right is the privacy language that was the starting point from one of the PICFs. We are adapting. What I want you to see is firstly that it's shorter, that it's got bullet points but hopefully you can also see that it hasn't been about losing content. We've tried really hard to keep a robust level of content but to make it easier to navigate and engage with. On that note, we've also put in visual aids. So in the biotronics study that we used it was about a pacemaker. So we included some visuals so people can see what a pacemaker was and where it was going to be inserted. Consumers have told us that they really liked having tables and other sort of visual breakdowns of information. That's also something that we've really worked to include in the template as it's presently being conceptualized and issued. And finally, layering information. Essentially what this means is that there is a main body of the PICF that includes all of the material information that a person would need to know in terms of whether or not to participate in research for any lawyers in the room, the Rogers and Whitaker standard. There also then will be supplementary information for those who want it. And that's particularly pertinent in the privacy and data storage space where for a lot of people they don't want any of the details at all. They're very happy to be told it's going to be stored securely. We're going to comply with Australian privacy standards and that's really the full information that they want. There will be others who are really, really interested in the detail and we recommend that they be provided with supplementary information that provides the level of detail that they want in order to make a decision whether or not to participate. That's some information about the informed project generally. Really happy to talk about any of that in more detail in the Q&A but I wanted some time to talk more specifically with you about the national data sharing statement that was done in partnership with Cassandra, the ARDC. When Christian and I agreed that we would sort of take this forward as a collaboration the first thing we did was establish a project team that had representatives from CTIQ and the informed project team as well as representatives from ARDC and the Cassandra nodes. And this was really done to ensure that what we developed as the national data sharing statement was going to fit with the look and feel of the informed project more generally but also take into account the needs of the Cassandra and ARDC community. And I particularly want to shout out some representatives from PHRN Public Health Research Network who are really invaluable in the work that we did through that project team. There are a few things that we really focused on in developing the national data sharing statement as part of informed. First was really about language modernizing and simplifying it. So first on that list is removing binary distinctions between identifiable and non-identifiable information. While we sort of moved away from it in the research ethics sphere more generally you'll still sometimes see referred to in PICF's de-identified information set up as a binary from personal or identified information. What we did in the national data sharing statement is move away from that binary distinction and instead explain that we were going to be separating information that could easily identify you like your name or your contact information from other information that was going to be kept and retained and used in the study. Related to that we qualified promises of anonymity. So instead of saying we will keep confidential and won't disclose any of your personal information which we just didn't think was a promise that we could keep in the world of big data we said, look, when we share your information we'll take steps to make it difficult for anyone to link the information back to you. This will include, for example, removing information that could easily identify you and of course research teams can modify this language as needed for their research project. We also kept to qualify that there's still going to be a chance that someone could identify you but we're going to make it small but that could happen. So what we're trying to do is provide accurate information to people about the risks that remain and how those risks are going to be ameliorated by the project team. As with the informed project generally we spent a lot of time working on simplifying the language. So on the left there you can see the original language that was included in one of the PICFs we were working from. On the right you can see how we've modified it. Same content, just shorter, more concise, easier to engage with. Okay, when I talk about the informed project I often say that we're trying to simplify the language we're not about making new policy positions. That is sort of true but when you deal with this kind of project you also can't get away from making some policy positions even if they're passive. So I thought it fair to talk to you about the policy positions we grappled with and where we landed for the beta testing version and I hope that in the chat that we have you can add to this. Tell me what you think of where we came to where we might need to refine our thinking some more or perhaps where we landed in the right space. A big discussion in the project team was how much sharing could be allowed to happen through the National Data Sharing Statement based simply on the original consent that a participant provides to participate in the original research project versus what needed an additional specific consent for future use of the data. This was a huge topic of discussion really interested in your thoughts. Where we ended up landing actually ended up a sort of similar position to where Australian genomics landed in their development of a PICF for genomic research. That is that by agreeing to participate in a research project you agree to a level of data sharing without any further consent being needed. That is for aggregated information to be shared so non-unit level data or information that has been anonymized completely. So not just de-identified but anonymized. In our minds that was reasonable to happen regardless of any further consent that a person might give for future data sharing. However, we also agreed as a project team and interested in views on this that for sharing of unit level or personal data that a separate consent should be available for participants to agree or not agree to secondary use of their data. So if anything was going to be shared on a unit level basis simply agreeing to participate in a research project wasn't enough that that secondary use should be the subject of an additional consent, additional check box that a person could consent to or not consent to as they wish. Now it's fair to say that was an unanimous decision of the project team. It was the consensus but it wasn't unanimous. And so I'm really interested in thoughts from this group of people about where that landed. The other policy position that we grappled with was how granular to go in the future data sharing decisions so how many options to provide participants in terms of how their information will be used in the future. We ended up providing two options for the research team. One was quite a broad consent quasi blanket consent similar to what's used currently in many Australian PICS that is for persons who agree to secondary data sharing that can be shared for any future research whether in Australia or overseas whether for a company that is for profit or a nonprofit based on a discretion of the data custodian or research team whoever's gonna be responsible for sharing decisions. However, we also provided an option B if you like that had more granular sharing options with the idea that some research teams or institutions may be able to provide that might have the current capabilities, others won't. Now, I noticed on the chat has that sentence been checked for readability. The bit that's highlighted is guidance for researchers rather than what we expect to be given to participants. So we would anticipate that people would only keep that we will only share information that has been aggregated or joined together. Perhaps we should change that just to be real only share information that has been joined together but there was differing views. All of our informed template was checked for readability. On the whole, it came to somewhere between a grade eight and nine level but the data sharing component of it is a little bit higher than a remainder of it because of the complexity of information. Consumers that we had read it told us it was understandable to them and so that has sort of been our benchmark but also if people have suggestions about how the wording can be changed to convey the same information in a more concise or reader friendly way please do get in touch with us. We are still working on this. We are still trying to refine it and we're still talking to plain language people but if you see any of this language that you think is overly cumbersome and can be made better without losing necessary nuance please tell us that is precisely why we're doing a beta testing release. But yeah, the bit in highlighted says other strategy to ensure anonymization we certainly wouldn't expect those words to be given to consumers we would expect researchers to find the words to explain what they have done to ensure anonymization. Okay, I want to have plenty of time for discussion but a couple of open questions for people to prompt discussion but happy to go to other places. As Christian will recall in all two vivid detail we had multiple discussions as a project team about whether the National Data Sharing Statement should include a qualifier that research projects seeking access to research data will that the data will only be released for secondary research if it has been approved by an HREC or another ethics review body. We ended up taking that sentence out of the National Data Sharing Statement mostly because of international research that there are a number of overseas countries that do not require any level of ethics review of research projects that are using purely de-identified data and we were concerned about precluding those researchers from accessing Australian research data and therefore decided to leave it at the discretion of the data custodian what preconditions they were going to specify for the research data to be released. Again, that was not unanimous in the project team and I'm really interested in views from this group about whether that is the right decision or whether we should include a statement in a National Data Sharing Statement that qualifies the release of research the release of data to research that doesn't have any approval. Also really interested in general discussion on whether we struck the right balance between the autonomy interests of the research participants and scientific benefits from data sharing. So going back to things like the granularity of consent whether it is the right decision to separate out consent to participate in research from consent to secondary use of data. As I mentioned, we had very diverse group very diverse views in a project team on that and really interested in the views of people in this room. Okay, and I see a comment on the chat of using the health literacy editor. We have tested it with several I would have to check with the team if we've tested it with that one. We also have had a plain language consultant from Westmead Children's Hospital who has also reviewed the form a couple of times for readability. I'm going to be checking back in with her again to get another review of the form as we continue to refine it. So I'll be doing that as well but thank you so much Angela for that tool. I'll check with the project team to ensure we've used that. So that's the last of my slides. So I might pass over now so that we can have questions and I can jump back to any slides if people want to jot their memory about any of it. So I'll just jump in for a moment. You're now moving into Q&A and discussion. Consent and ethics we know from long experience is something that people have lots of thoughts about and I have lots of thoughts and feelings and questions and comments about. So I have no doubt that once everyone realises it's time to switch on cameras and start interacting a bit that there'll be questions coming through. I think while you are doing that I'll just point out a couple of things that might be useful. So the template for those of you who haven't had an opportunity to look at it in detail is yet. It's just that it's a template. It's not something that you take off the shelf and use exactly as is. It's something that as a researcher that you need to go through and use as a starting point but then tailor it and configure it to your particular requirements. The intent there and particularly the section that ARDC partnered with CTIQ on this data sharing statement and sorry data and I've just gone out of my head. That's really embarrassing. The point there was to give people a starting point because actually what we heard inside for a bit of quick context for those of you not familiar with the standard big programme being run in the last three and a half years working with universities, research institutions and such around Australia lots of clinical trial lists and a common thing that we're seeing is when it comes to consent what do we put in there?  So the template is as much a starting point as anything else and as Lisa was saying there isn't a company and use a guide as well so the template is the thing that you can build your own PCI from then there's some guidance there for you as the researcher to help you tailor that or bring your attention to particular issues. Thanks Chris and that's really helpful and I sometimes spend longer explaining that and didn't today because I wanted to get to the data-sharing bit but a few I guess rules of how we've done it all of the informed template is designed to be adjustable we try to be very clear with people that this is a starting point but it's not intended as a finishing point and so we say in the user guide that you should use this as a guide to talking to your consumer groups about the information that they need where there are words that are highlighted in yellow what that means is those words are for researchers eyes with the idea that researchers should be changing those words to fit the specific needs of their research project and they're usually there because there are going to be so much variation between research projects and research groups that it didn't seem worthwhile developing template language and instead what we want to do is prompt the researcher to think about how to explain their research so for example if a researcher is going to be anonymising information for future use because they have some kind of tech solution where it's going to create interference with the data or something along those lines well they need to explain to their consumers what that looks like in an understandable way similarly we have an included, often with risks we have an included particular language other than tell researchers think about the risks that are material to your research and explain them for really common risks we've provided some example language but again we expect teams to adjust that and one thing we're trying to do is prompt a more active role of researchers in the way that they develop and draft PICFs so that it's not just to check the box process of selecting the different subheadings but really an active process between researchers and their consumer groups in designing a PIC that provides the necessary information now I see a comment on the chat saying release requirements for the jurisdiction country holding the information not only the jurisdiction requirement we need to make sure we're following the national statement privacy laws etc absolutely so one of the things that we did for the national data sharing statement is we sourced a legal review of that to ensure it satisfied Australian privacy laws that was done by the legal firm into Ellison whose life sciences team are a CTIQ member and they were so they've reviewed that for compliance with the national statement again we as a project team have reviewed it for compliance with the national statement in our view but one of the things we're really doing during the beta testing phase is speaking to HREC chairs members, research governance officers and so forth to ensure that they also are convinced that the requirements of the national statement have been met in a satisfactory way and we're really so far it has been overwhelmingly positive but we really want to see during this beta testing phase if there are things that we may have inadvertently missed so that we refine it and add it in before we issue the more final version of the informed template next year so we as a project team have done that review but one of the reasons we released it as a beta testing version rather than a final version was to allow for anything that may have inadvertently slipped between the cracks. Thanks, Lisa. I'm surprised that we're not seeing any questions come through chat or people putting their hand up that Nicolette started. So I'm not from a health and medical background so my research background was in the social sciences so I did have to prepare information and consent forms but I don't know where the template that I was using came from and I suppose I wondered because I don't have this health and medical background so are there existing templates that are available sort of nationwide that people use for health and medical research or is it kind of piecemeal at the moment? A little bit of both. A lot of people use templates available on the National Health and Medical Research Council website that were originally developed by I think on Victorian health that took the lead on a drafting. We're about 20 years old now so they're a little out of date. There's been updates along the way but it's the most commonly used of the templates but it is quite long very, very complex. We're talking reading grade level above grade 13 and I think there's general consensus that there needs to be a change but getting that change happening has been challenging. A lot of research groups have ended up developing their own bespoke PICS that they then adapt for individual research projects and those tend to be held in-house but obviously that is not available often to early career researchers. Those are the most common ones. There are some more specific subject matter ones. The Australian Genomics has prepared one specifically for diagnostic and predictive genetic research that got issued a year or two ago. Yeah, those are the most common ones I'd say. Thanks. I know that when I used to do this stuff back when I was a research manager I don't know where the original concept form came from but as you study you go back to what was used for the last study and update and revise and then it just becomes is it okay to use the word bastardised version and what was probably a okay form so many possible forms to begin with and God knows where it got to. Yeah, and the other thing to add is some ethics committees have also issued template PICS that may or may not be based on the NHMRC templates but sometimes ethics committees will issue their own Bellbury developed their own PICS several years back with a heap of work into it but really inconsistent uptake. So yeah, there's a whole plethora of different ones that get cross contaminated and bastardised in different ways. Okay, a couple of comments here. Outlining risks in the PICS and how many PICS gives too much information about risks which might put people off. Yeah, risk information so in addition to privacy information risk information is probably the most overwritten section of many PICS according to consumers that we've spoken to and researchers that we've spoken to particularly with commercially sponsored research there's often a view that every single risk that could ever possibly eventuate with any degree of likelihood or not any degree of seriousness or not needs to be outlined extensively in a PICS for it to perform essentially an institutional risk management role rather than a informing consumers role. Now that's not necessarily effective. So we know for example for a person to give a valid consent to participate the risk information needs to be provided in a way that is understandable and meaningful to a participant so no matter if all of the information is set out in a 40 page PICS with 10 pages of risk information. If that risk wouldn't be meaningful for a participant it doesn't actually perform a risk mitigation role that might be anticipated so part of what we've tried to do with informed and say look you need to make this information understandable and you need to focus on the risks that are meaningful. So if you're dealing with stage 3 cancer patients telling them all the risks of a blood draw probably is not going to be meaningful. If you're dealing with a stage 3 cancer patient you shouldn't be telling them the risks of standard of care treatment that they're going to be receiving regardless of whether they are in a research project or not. They might get that information from their clinician you might provide a supplementary information but you need to be focusing on the risks that are research risks not clinical risks and that are meaningful research risks and that is something of an education piece I think both the HREX and researchers to come across and as Nicola put in I'd expect providing more information may make it hard for the consumer to see the pieces that are actually important. Absolutely we know that if you put in all of the potential risks of a particular intervention it makes it very very hard to pick out the bits that are most relevant. Now obviously HREX play an incredibly important role here in reviewing the risk information that's been provided and seeing whether it effectively conveys the meaningful risks that a potential participant would need to know and HREX might be different in terms of how much risk information it wants portrayed but we know that consumers are telling us they're saying too much of the risks and also that they're saying not enough of the potential benefits and so it feels unweighted. I'll let Angela jump in because I think she might want to speak to this particular point. Hi Lisa thanks very much for your presentation I just wanted to pick up the issue of ethics review one of your questions from some early feedback that we've been receiving in Sydney it's emerging that researchers who are based inside our health organisations are different from researchers who are based in universities and MRIs in that at least in New South Wales and I suspect in some other jurisdictions the chief executive of the health organisation is actually technically the data custodian rather than the individual researchers and so a lot of especially and this might be for Kristen as well but a lot of the discussions for Cassandra have really been with the researcher and as the holder of the data that might be shared the researcher who seeks the consent the researcher who assesses requests for sharing the researcher who might make decisions around you know yes we will share or no we will share and whatever but it's actually a bit more complicated in terms of governance at least in New South Wales and so your questions around atric review like I just wonder I haven't seen your guide in detail so I don't know whether there's some discussion there about checking in around local requirements for both atric and governance site review yeah no absolutely if people are going if people are going to be accessing administrative datasets there are going to be very specific things that they need to include and very specific requirements for how that information can be shared we've touched on that whether it's enough or not really really happy for feedback on the situation that we have that we try to deal with in the informed template that I was talking to is where a research team is going to be sort of gathering information and making decisions about how to release it but obviously where where the information where decisions about release of the information will always require atric review if you are in a situation where you have an institution that says we will not ever release data about each rank approval 100% put that in 1000% put that in I didn't want to put it in a template to preclude people in other situations who are currently making decisions to release data that doesn't have ethics review particularly where the data is being released to a researcher overseas that has no requirement to get ethics review I was worried about putting something in a template that would preclude valid sharing decisions that are currently happening essentially adding a layer of policy that isn't currently in a policy now I'm really happy to be told we got that wrong if all of the people who we speak to and on this call said no we would never release data for research that doesn't have ethics approval be that overseas research or domestic research super happy to put that into the template as a guide but I didn't want to put that in and preclude sharing situations that are currently a valid part of the ecosystem if that was going to create a burden that there wasn't you know we don't have as least that I know of a requirement in the national statement or a requirement elsewhere in law or regulation that Australian data can only be shared with others if that research has approval from an ethics committee it needs to be that they need that the overseas research has you know satisfied the requirements of the overseas national statement equivalent but things like the common rule will say well for research using data it's exempt so it was one of those situations where I wanted to make sure say a US researcher wanted to access Australian data that that was allowed but if your institution or if your research group has ethical requirements that go above and beyond that 100% out of you okay thank you very much add on to that so just on that very last point about specific institutional requirements that I have been in the situation myself where that exact situation Lisa was talking about where someone from overseas actually also within Australia has requested data and details of your ethics approval and they said our institution or does not require it went back to the HREC for the institution I was working for and they said okay well get them to write that down you know they need to provide that in writing and I guess that's the baronage request so I think it's kind of more complex and definitely in all the consultations that CTIQ ran and those discussions were part of it is clear that not everyone has had that experience or understands that that is sometimes the case so if for those who have not been in that situation it can be a little bit of a shock when research has had ethics approval it's not that clear cut so that's why we've taken the approach here that we have the other comment more broadly that I've made into that is yeah so we've got the I should use the royal plural, CTIQ did a lot of work here, CTIQ have the consent form a template and a user guide and we've mainly been talking about the consent form today and that has one thing that why we were so supportive of this partnership in this project was the consumer focus of this and not to be trite about it but the P and PICF it's about the participant so having that strong consumer focus was crucial here and I think the consent form has done a really good job and obviously there's no perfect here if there are additional tools or things we can use to check language or improve quality further and that's a good thing but I think there's really hit the mark there there is a company document that's the user guide document so that's for the researchers how do I I've got this specific situation maybe I'm within a health service a track that wants me to do things this way or whatever it might be now we've worked with CTIQ as best we can in the time frames and resource allocation that we have to start the appropriate sections in the user guide what will be really valuable if not from the people in this room then maybe your colleagues or others to provide us more feedback on the user guide because I think that's something we could develop a lot more and the starting point for that is hearing from everyone well and maybe it's you don't know the answer you don't know the thing that needs to be put into the user guide but you can present it let us know well I'm in this situation I need guidance around how to do this and we can collect that feedback and over time see what we can do to provide improved guidance yeah absolutely I think as Christian said this is our starting point it's not a finishing point we think that we have taken a really useful step in moving the discussion forward and including some language and ideas that haven't yet been well reflected in a lot of the templates now that's not to say all of the templates there are absolutely some researchers some research groups, some A-trex using really sophisticated understanding some languages but that's not reflected across the board there's going to be one of those areas where there is a huge diversity of experience in the way that people are using data and wanting to share data and being able to take on board that diversity of experiences will be incredibly valuable I'm always just wondering Lisa and it might be too early to say given that it is in beta mode at the moment whether all these changes to the participant consent information have resulted in higher rates of people consenting There's hopefully better understanding and look it's not anything we've been able to do yet it would be amazing if someone had the resources and capability to set up some kind of study within a trial to work out rates of recruitment or the like between using a consent form that is more concise and consumer focused versus what we might think of as the more consent form it's not something that we've attempted to do but I'd love it if someone did but we know from the consumer consultations that people told us that the length of current consent forms and the detail particularly about the risks was off-putting that it made them see risk that wasn't necessarily there and that it felt really unbalanced with the lack of any information about benefits which is often something that ATREX are quite reluctant for understandable reasons to put too much in in the PICS Yeah I think Sarah's got a question Hi I was just wondering what the expected uptake of this new form is obviously there was a need for it but other people who are like yes as soon as it's ready we're going to start using it So some that already have so the Central and I believe Southern Adelaide Local Health Network ATREX have already been implementing it and I believe the Western Sydney ATREX is in the process of implementing it and some research teams are starting to use it. We are having discussions with NMA so the jurisdictions to talk about whether they would be willing to endorse the informed template for their respective jurisdictions and with the NHMRC about whether the NHMRC would be willing to host it on its website and obviously those are things that will hugely impact uptake Those are ongoing discussions, we're receiving some really positive feedback but we also are really keeping an eye on the feedback that we're getting to make sure that we can make any necessarily refinements and updates to it before we get to that point Yeah and I love Nicola's comment there the other thing I'd love to see is satisfaction with consent even if you don't see differences in consent rates I feel more confident about my participation in the study or I didn't regret consenting to participate later on that would be an absolutely amazing piece of research to do and look as I mentioned CTIQ is a relatively small organisation that's a member based organisation we don't have the capacity to really take on large research projects of our own so we'd be really happy to work with any researchers or institutions that are interested in doing pieces of work like that to see if there's ways that we could support that information being obtained Okay well I'm just mindful of the time and Lisa thank you so much for that, that was fantastic I learnt so much, hopefully everybody else on the webinar did as well So you said lots of times that you're really keen to get feedback about all of this Can you do that through the Provide Feedback link on the informed website Please Obviously I'm happy for my email address to be given out, it's on the CTIQ website, really happy for people to email me directly if they would prefer to give feedback via a chat like sometimes it might be that you want to have a chat about things rather than write feedback that's absolutely fine but having any written feedback through the portal just makes it much easier for us to collate and analyse down the track Fantastic Excellent Well does anybody have any burning questions before we wrap it up? Okay well nobody's jumping in so thank you so much again Lisa for your time and sharing all your information Hopefully as well as us learning things, you know you'll be able to benefit from this as well, from the feedback and the discussion and yeah for the Austic people we do have a couple more webinars lined up later this year one's going to be sharing this bit from the Australian Access Federation and in early December we've got Jeremy Kenner from the NHMRC talking about their new statement which is going to come into effect very soon so stay tuned for the information on those on the Austic mailing list I can see there's just a few messages coming through Everyone loved it Lisa of course Okay So you can get in touch with me offline to say the non love bits of it Okay well thanks very much Thanks so much everybody and yeah we'll publish the recording online as well so you can share with anybody who might not have been able to make it today Thanks a lot and have a good day Thanks so much everybody


Good morning, everybody. I'm Tommy O'Brien, coming to you live from TFNN headquarters in St. Petersburg, Florida. It's Wednesday, 9 a.m. Eastern time, 30 minutes to go until the opening bell, and we have quite a lot happening in this market right now. Dow futures in the negative, 206 points, trading at $25,718. S&P is negative by 21. That's almost 8-tenths percent of the negative. NASDAQ pretty similar, negative 56 points, about 8-tenths percent of the negative, as well. We have gold moving dramatically higher, excuse me. We have, let me get that cord out of my way. There we go. Oil pulling back dramatically as well. We'll jump over the charts. We'll start it off. Start it off with the Dow. So the market, as of about 6 a.m. this morning, you're looking at almost a solid 400 Dow points that we've just slid. It's pretty remarkable the acceleration we're getting. We're at lowest, 25,673 in the Dow. NASDAQ 100, pretty similar story. We go from 75,67. We're now down about 120 NASDAQ 100 points, just in the last three hours. S&P is falling apart from 28,88. We're now at 28,48. 40 S&P points gone in about three hours. Gold contract. Check out that chart. We were just up at 15,10. Quite a number on that gold contract as it continues to climb higher. Crude oil, on the other hand, trading lower. Crude, 52,33. Check that out. Since yesterday morning, we were above 55,27. Almost a $3 decline in the last 24 hours and the Euro-US Dollar trading at 1,1206. In terms of what else you have happening across the market, Disney earnings last night, as they disappoint on a couple of friends. Pretty interesting story, though, in terms of they are going to package Hulu, ESPN Plus, and Disney Plus, all for $12.99, the identical price to Netflix value plan, but Disney nonetheless, trading lower this morning. And CVS, posting a big earnings beat, raising their foyer forecast to jump over to those two stocks. Disney last night, they are looking to open at about $134.85, closed at $141.87, and CVS Health looking to open higher, $56.50, closed yesterday at $54.09. And as we wrap it up, checking in on some equities, we have the VIX right now, looking to open at about $21.69, and some of the bigger stocks out there, Apple, looking to open down about $1.40 in the negative. And how about Amazon? Closed yesterday, $17.87, $17.75, pretty flat. Stay tuned, folks, these markets now down $245. We'll see what happens. Larry Pezzavento coming up live right now, live programming all day at TFNN. Have a great Wednesday.


Hello there everyone and welcome. This is Melissa Armo with the Stock Swoosh and I'm reviewing a Golden Gap Combo New Year Holiday Special I'm doing for the class this weekend. It's through this Friday You can sign up. This is a big big offer And I'm doing to try to help people get in and get started and make money for 2020 and so far it has been a very good start to the year seven days into the year and Very good start to the year If you have more questions You can email me at Melissa at the stocks which calm you can call me at 9 to 9 30 200 gap You can follow me on Twitter Facebook YouTube or Skype. So happy holidays Again beautiful beautiful weather here in New York and it's funny because you say gosh, you know, is it winter? It is and yet it is really warm here in the city We have had next to no snow so far this year It was a wonderful holiday break Christmas and New Year and now back at it and it's time to get serious serious about trading So it's about the market and if you are just getting back into year this week back at your regular job back at trading the market It's time to get a game plan for this year if you lost money trading in 2019 You have to take a step back and do something different this year and the question is what are you gonna do? It's time to evaluate and decide so I'm doing a New Year's Eve special. This is a big deal because I'm giving the options newsletter free Completely free through the end of this year 1231 20 that's huge the letter normally is six grand for the entire year So today is January 7th. You have until Friday to sign up. This is a huge huge offer Well worth it. It's basically like getting a $6,000 bonus and I've had some huge calls in this letter Just in the last 24 hours. I called some huge calls in Tesla What it paid for this entire price of this special? So this special includes the Golden Gap course the trends course the gap options newsletter through 1231 20 It is ending ends midnight Friday No exceptions if you want to sign up at 69 99 US dollars email me back at Melissa at the stock swish comm You must email me for the forms if you want to sign up Now we did this trade was a day trade yesterday. It was BA. We shorted it this dropped initially rally back Boom to the short cut the drop you can see here when I look at these you can do Gaps as options or day trades. Okay, and if you do the Golden Gap course That's this weekend. You'll have the eligibility to join the trade here if you want or just do the options for the year But this was a nice fast quick move and again Foregrain out of the gate and she was 329 93,000 shares. I always put in a stop It's a limit order risk was 2250 but almost Two times around beautiful beautiful move again. It was really actually down at the low I'll show you this down in here with this dropped and based out wanted to give another shot to break 328 couldn't do it So ended up with an exit here But a really nice day trade and again, you could have done this as an option trade Yesterday, we did the comm as well comm was in loss. We shorted this here got stopped This was a short to and we lost in the calm lost that still great start to the year Monday of that day For the beginning of the week for the first full week here was the BA. This was a BA option I called last two weeks ago, whatever I've lost track of the days now Back in here dropped fell. That was on the 26 December 26. I called the 330 BA puts Expiring this Friday, but again had the drop if you've done this. It was a 56 56% return on investment and this was with an exit into the calendar year of 2019 and you could have redone it again So it's really interesting because you take trades you get out you take them you book them money You take them you book it you take them you book it That's how you make money in the market as an individual trader You have to chunk it out You don't have millions and millions of millions of dollars to be holding things for months and weeks and years You've got to get the momentum get the move. Okay. This was a really nice trade again $3900 advanced trader profit and again talking about momentum. This BA momentum was here boom drop to the downside Okay So it's it's been a good start to the year so far 2020 is here it is upon us if you did not make money in the market and trade it in 2019 You have to do something different or don't expect any different results for yourself this year If you don't want to lose this year It's time to learn a new strategy and the options newsletter I'm offering free to the end of the year is such a huge bonus I'm doing this at the beginning of the year you will learn the system how I'm calling the options trains and Take the classes weekend and again sign up you can do options while you have another job Or you can do this for full time if you want to work from your home You can work for yourself. So you learn my system in the class. It's called the Golden Gap course Classes this weekend January 11th and 12th 9 to 5 Trends courses 11 to 2 on Tuesday, so it's two classes plus the options newsletter free to the end of 2020 Classes online price for everything like I said is $69.99 US dollars You must email me if you want to sign up I send you the forms you fax or scan them back Do not wait to the last minute.  I'll review them later Have a great great week everybody. Stay strong and have a good start to 2020 and a great year


What's going on everyone Sam here with late sports cards, and we are doing a 2021-22 Panini prism choice and Don Russ optic choice basketball 10 box mixer number one Random team style. Here's a look again at your random results As always you can find these on the website under the results tab as well as the link and chat Let's do it guys got to fill up the next one to prism Prism choice 10 box number six tiered random team style Well, Shawn just did drop you guys a link to it Do our optic choices first and then we'll do prism after so one auto for prism choice one auto couple of numbered cards per box as well So definitely see that think in order just came we're down to seven on that now seven to go Breaking right after this black gold already. There we go Andrew Wiggins nice Jalen Green on the Opticrafts auto there you go Rockets Let's go. He's got Houston Ellen Y. Congrats. I'll in nice hit there.  Nice. There you go Chicago Bulls is Troy H. Congrats Troy two out of eight with the Vooch So the follow Tiago and we've got rookies Isaiah livers and Cam Thomas box number two. Here we go guys Booch Yes, sir, Randy. Yes, sir bullock. Ooh redemption Will Barton going in the nuggets. We've got Kevin Durant. Nice That is 39 out of 88.    Congrats Vikram Two boxes to Magdottos That's what we like to see big hit right there big time hit Do you mind tweeting for them? Did you do that? Thanks, sir Got a dragon scale coming up next then he of Dia. We got you Donis Haslam for the heat nice one there What a break this is There you go. He how about going to the Warriors Steph Curry on the dragon scale boom Dude, what a break?  It's really go bear Seven out of eight. I think I've pulled two of these two Rudy go bear black golds. I've pulled 25% There you go jazz on the combo spot. That is Harper. That's Harper Josh Christopher and James book night and I have like a weird feeling that Harper was the jazz in both of them That might be the case That's pretty fun Let's keep this going baby. That's been being on the hollow. We've got Isaiah Todd. That's going to the Wizards on the rookie optographs. There you go, Washington Next up. We've got Joshua primo. That is going to the Spurs on the choice exclusive Next up for the Hornets. We've got James book night 55 out of 88 Nice rookie caller right there. We've got Moses moody and Jason Preston Next one up Luca Garza on the hollow rookie We've got Trey Murphy the third. Nice. That's going to the pelicans Grats pals sneaky hit right there TM three got Bobby Portis on your choice exclusive not numbered red green. That is John Collins for the Hawks 64 out of 88 We've got IO de soon move for the bulls and Aaron Wiggins going to the thunder Wow Josh giddy silver on top and we got a tiger strike nice It's a silver j Xavier Tillman Onyeko Kang Wu that's going to the Hawks Norman Powell and Patrick Ewan We've got Carlos boozer going to the cabs nice one there not numbered on the Red Scope water We've got Devonte Graham Lakers. Come on, baby big tiger stripe Big tiger stripe Devonte Graham Talon Horton sucker not bad on the tiger stripe. There you go. Lakers nice THT Love the Tiger stripe I grieve on I think there's I like them both personally, but I love prism choice it's one of my favorite like Products to watch for to get ripped open and to to actually break Davis. There's a JT Thor silver Got Trey young nice one there Hawks tail Maladon and a Gary Payton We've got Jalen Johnson on the Red Scope color match auto for the Hawks There you go Hawks We've got Jared Butler that is 86 out of 88 going to the jazz and we've got a blue Région Rondo 9 out of 39 going to the Lakers Scotty Lewis and Kyrie Ricky Rubio going to the cabs at Sabin Lee pistons And we've got JT Thor going to the Hornets nice one there Seven to go guys seven to go on the next break Wow Chris D'Wartie There you go Pacers. Congrats on that one Indiana We've got Scotty Lewis 30 out of 88 and a LePron 61 out of 88 going to the Lakers nice one there Lakers Stefan Marbury J. Crowder Nicola Yolkich Dwight Howard and David Johnson on your blue Yellow greens. We've got Aaron Banes. That's going to the Raptors Nice one there Toronto. We have got a Kai Jones One out of 88 going to the Hornets and this this team's been killing it right here We've got going back to Chester V with the Warriors Tiger Stripe Steph Curry boom Congrats on that one that is nasty dude.  That's going to the Nets nice one there Nets We've got Dominique Wilkins. That is 65 out of 88 Hawks and a Terence Davis 6 out of 15 going to the Kings That'll do it for the break there guys do a quick recap really good break We had a Cam Thomas going to the Nets Aaron Baines Raptors Chris Torete Pacers Jalen Johnson Hawks Carlos boozer cats Trey Murphy the third pelicans. Isaiah Todd wizards. You don't us hasn't heat Mag cards we had Jalen Green optographs rookie auto Going to the Rockets We had this is crazy. How about a dragon scale and the Tiger Stripe Steph Curry? Both of them in one break. That's unreal not numbered on the SP's and Then we had a Luca Donchich Optographs choice going to the Mavs That'll do it for the break guys. Thanks again for the fill. Let's get optic tiered random team filled up next or prism


Ever missed your return flight from a developing country because you were in jail? Yeah, me neither. Changing the subject, Fiji has always been on my bucket list, and when an opportunity to go fell into my lap a few years back, I knew I had to go. Now there is a ton of sugarcane in Fiji, which only means one thing. Well, it means a lot of things, but to me it only means one thing. Rum. If my research is correct, there's only one distillery in Fiji, and while they make a handful of rums, the local favorite is bounty overproof. I know this is the local favorite because every time I ordered it, the bartender would point at the bottle and say, gold medal winner. Yes, this bit of hometown pride is a gold medal winner, and it's well-deserved. I haven't had it in over a year and a half, but today is as good a day as any to revisit it. I'm holding the glass just out of frame, and I can already smell it. This is a rum that announces itself. I'm in for it. Light pineapple and banana notes. Definitely smell of burn. I'm having such a nice time just nosing this. Oh yeah. Hot, really thick. The flavor on this is very intense. This is not dissimilar to a Jamaican, although with some of the less funky notes, this does lack the depth that some of the more full-flavored Jamaicans have, but there's a lot going on in here. Now there's no age statement, but I can tell just by looking at this that it doesn't have any caramel, and based on how dry it is, I can tell it doesn't have any sugar added, so terrific. Very nice neat, but locals don't drink it neat. Now they drink it with Coke, and that's what I did. And it's surprisingly good. So instead of making something boring like a daiquiri, I'm going to make me a bounty over-proofing Coke.  I drank my body weight in bounty over-proofing Coke, so the flavor is quite familiar to me. Two quick things. First, a single is 30 ml, which is about one ounce, so I stuck to doubles. Also, the Coke they use isn't that fancy cane sugar s***. They use regular old crappy high fructose corn syrup, so that's what I'm using today. Still tastes great. And if you're wondering what this cost, a double was about 25 Fijian dollars, but since the exchange rates two to one, the shrink at a resort would cost about the same as it would at a fancy cocktail bar in LA. And speaking of exchange rates, look at what loving old fashions will cost you if you live here. Yep, being in the middle of the ocean is expensive. This is a delightful trip down memory lane, but to be honest, tasting it is kind of bittersweet. When I travel, I like to walk the city, stay out late, meet people, court the unexpected, blah, blah, blah. But I was in inner city. I was at a resort, with nothing around for miles. All there really is to do is hang out on the beach and drink. And yes, that was wonderful. I spent an afternoon in a hammock chair drinking a six-pack of Fiji Bitter reading Harry Potter. And yes, the resort does a great job of keeping their guests entertained, but that's just not how I travel. At the end of the day, this trip was great. It introduced me to one of my all-time favorite rooms, which I will love for the rest of my life, that unfortunately, you can't get here. Is it because I associate said room with being in a tropical paradise pretending I'm Don Beach? Maybe. Also, I had a distillery tour lined up. After a ton of begging, the distiller said, okay, I'm out of the country, but I get back on Thursday. Does that work for you? And my flight left on Tuesday. I saw natural beauty and man-made beauty. I swam in 15-foot deep crystal clear water in the middle of the ocean, and yes, almost landed myself in jail. My last day in town, a cab driver colluded with local law enforcement and tried to have me arrested, and it was either bribe him or miss my flight. All in all, go to Fiji if you can. It's a beautiful country with wonderful people and also a great way to kit out your home teakie bar for cheap. But if you meet a cab driver named Raj, find another cab. That's it for today. Stay safe. All the advice professionals. I'll see you tomorrow. Boolah!


On Roblox, Tubers93 refers to a set of notorious exploiting and hacking groups that have been active from mid-2017 to the present day. They are infamous for exploiting a few front page games, most notably Neep City, by adding not-so-family-friendly references, along with highly islobaphobic content to Neep City. The moniker was first mentioned in the 2011 YouTube video called, Who Disliked My Video, in which someone claims that it was not Tubers93, who disliked their video and thought that they were amazing. It was also mentioned in another video, in which it was allegedly a second account of the creator of the first video. Tubers93 was always mistaken as a separate user, according to many videos or screenshots of Neep City being exploited. Little Angels Daycare was the first game the group exploited. They renamed the game, Little Bimble's Daycare, and painted the entire game black, gated a fog, and had a fire set onto the main building. The NPC models were also renamed to Dead In All Caps. A jump scare of Jeff the Killer would allegedly appear in the game. Speaking of jump scares, the group has also exploited an unknown game, along with Raggle Simulator, by having a jump scare of an edited image of former United States President Barack Obama, known as Obanga. The first hacking of Neep City was in late 2019. It would teleport users to a game called, Neep City 2, which was an islobaphobic game, that had mocked Muslims using the stereotype, that Muslims are bombers. The game consisted of a mosque, which is the Islamic equivalent of a church or synagogue, where you went inside and would praise Allah, which is the Arabic word for the Abrahamic God, mainly used in Islam. Eventually, you would be flung out of the mosque by a bomb, and an Islamic prayer would play in the background. When you would play Neep City during the second hacking, March 2020, you could not leave the game, and get your accounts hacked. This was partially debunked in Fave's video called, Gua is Tuber's 93. While players could not leave the game, their accounts would remain safe. Players were also given extremely large amounts of coins in the game, while they were dressed up as Adolf Hitler. Director Vivian is another hacker, that apparently not rejected by Tuber's 93. One, around early April 2020, the group made a genuine op-key, that gave out free robux. However, it was closed as the creator said that they ran out of robux. Two, despite popular belief, as stated above, Tuber's 93 is not a user. Three, there is a roblox group named, Tuber's 93, but it is fake and not the real group itself. It is easy to tell that because one of the shouts called Tuber's 93 a cloud chaser. Four, the group did not want to be malicious by stealing accounts, but rather wanted to get reactions out of children. Five, during the second hacking of Meep City, the exploited version of the game had a sign that said, one like equals one hope Meep City has another sequel, which was quoted by Koneko Kivin. This led to some people blaming him for the exploitation of Meep City. Six, roblox's Got Talent, was also exploited during that time period, but it is currently unknown if Tuber's 93 was at fault. It would teleport users to the jellyfish jam from SpongeBob SquarePants. Tuber's 93 members. Tuber's 93, with two O's instead of a U, believed to be Tuber's 93's first member. Stumi, believed to be Tuber's 93's second member. Netaha, believed to be Tuber's 93's third member. Veretra, believed to be Tuber's 93's fourth member. Garkinian Hacks, helped in few hacks. Players mentioned in the real Meep City hacked version. Saddoot. Loafer. Incognito Baseplate. Good motion. Haxers, with a 4 in place of an A. Fx1syz. X Connection 6. Baby Out Moon, alts created and used by Tuber's 93's members. Baby Out Moon 2.22 back, created copies of Tuber's 93's hacked maps. Baby Out Moon 2, made a copied version of Meep City 4, and made people who play Meep City teleport to it. Tuber's 93's games. Meep City 2. Meep City 4.


How long will the adoption reach out until you have mainstream adoption well? Let's look at the previous revolutions in money and the 16th century there was this radical proposition to replace gold with gold certificates written on paper and If you think people find Bitcoin weird imagine the time when they told them gold is no longer the money bits of paper are Like you got to be kidding me So that idea was so radical it took 400 years until it became broadly deployed in mainstream society, right? The next one in the 1950s was credit cards, right? and so with credit cards people were now told the Pieces of paper that have the government seal on them are now pieces of plastic that have a company number on them And that's it, but don't worry. You'll get paid eventually It took almost 50 years for that to become mainstream You really started seeing it around the middle of the 1980s And I remember as recently as the early 90s in most places in Europe You couldn't pay with a credit card anywhere, right? I remember coming back from the United Kingdom as a student and visiting Greece Visiting Italy visiting Spain with my brand new Visa debit card and Boy was that a disaster because I couldn't use it anywhere So 400 years for the first one 50 years for the second one. I think we can do Bitcoin in less than 15 Maybe 20 we're going to see broad adoption of a form of digital money that will be based on a shared Open borderless cryptographic ledger whether it's called Bitcoin or something else I don't know, but it will be broadly based on those ideas We're in a race and the reason we're in a race is because governments around the world are trying to ban cash and Take us into a different digital currency system a digital currency system with complete surveillance Where the governments and the banks are completely in control where when you go to the wrong protest? Participate in the wrong political party They flip one bit in the database and you no longer exist as a person you are outside of the economic community. Bye. Bye Can't feed yourself. Good luck I don't want that future. So we'd better get our asses and gear and build some Bitcoin solutions faster But 15 years. I think we can do it. The good news is we don't need to build out the infrastructure The internet is already there But that's a yes, okay So to be really popular and to be successful in mainstream it has to rise in value to match the capitalization of fear That's not a cause. That's an effect It adopts it gets adopted. It rises in value. It doesn't get adopted because it's risen in value It rises in value because it is adopted Yes, I do expect that the system of Bitcoin will be unbalanced. It has a so the question was do you think it's gonna be unbalanced? Bitcoin has a not very particularly good genie coefficient and so what that means is that the Equality of ownership is quite diverse is not as diverse as it should be or it could be I think that's primarily because of the way it it grew Any solutions, you know I'm not gonna pass judgments because to me the idea here is that you have a system of wealth Where people who took enormous risk on a completely untested technology? Because they saw the vision that this technology created will become rich Which is a far better basis than my grandfather killed a hell of a lot more people than your grandfather Which is the basis of wealth we have in our society today? That is the truth Now if Bitcoin goes to zero are you going to bail out the people who have a lot of Bitcoin? I Didn't think so. So they still run the risk All of us do who are invested anybody who's invested in in Bitcoin is running an enormous risk That they will lose their entire investment and whatever time We've invested into these technologies, right could go away tomorrow, right? That's part of the risk no risk No reward and nobody's coming to bail out Bitcoin Right so from that perspective I think that's earned wealth in a way that is much more true from any other aspects of society Do I think it's the most equal system? No, but I don't think Bitcoin is going to be the only system we create Bitcoin is a test bed. Yeah, sure lots of people may become rich on Bitcoin but there will be other cryptocurrencies there will be other decentralized ledgers and Broad adoption doesn't mean just Bitcoin. It could be a completely different system. That's built from scratch and much more equally distributed In fact, if you think this is a big problem start writing the blockchain That will be more equally distributed and bring it to the world Bitcoin already gives you the recipe I'll take


What does it mean to say yes to God to be a disciple of Christ in Matthew chapter 7? Jesus reveals some troubling realities to his disciples. Seems to me that he was trying to shake them up, wake them up from their perception that they were okay, just because they were near him, you know, and he said, well, let me tell you what your judgment is going to be like. He said, he said, many of you are going to come to me and say, Lord, Lord, and did I not, you know, do many good things in your name, didn't I? Acknowledge you as God, didn't I? Do all of this stuff. And of course doing all that good stuff is part of being a Christian, but if we do it out of a kind of a sense of self satisfaction or a sense of we're earning our salvation rather than relying upon Christ and recognizing that even the good we do is because of his grace. But instead we're saying I'm doing this. It's sort of a false bootstrap spirituality, but instead what Jesus says is and he doesn't deny that they have done all these good things, which includes casting out demons and healing the sick and in modern terms might be going to mass, building hospitals, donating to charity. But he said, apart from me, I never knew you. That word, no, that he uses there is the same word in the Septuagint, the translation of the Hebrew Old Testament in degree that they used to translate Adam, new Eve, the phrase Adam, new Eve. It's a deeper kind of intimacy. It's not sexual, but it is an intimacy of relationship. And so just going through the motions doesn't get you to heaven. What gets you to heaven is knowing, loving and trusting in Jesus, cooperating with him, but truly knowing him. If you want to know Jesus, the next step in discipleship outside of mass and reconciliation is mental prayer. Mental prayer, exploration of the Gospels and Lectio Divina gives us a window into the person and work of Christ. It gives us the ability to understand and know him. It gives us the means to hear his voice and have him speak to us so that we might truly know him and understand our unique calling in traveling this narrow way. So let's talk a bit about prayer and Lectio Divina and being a disciple of Christ. Hey friends, if you like this video, please help us to be a blessing to others. Subscribe to our channel, spiritualdirection.com. Share this video. Help us get the word out. God bless.


Hey friends, so today I'm gonna do something a Little bit for me. I'm gonna have myself a me day. Well, actually I'm gonna have myself a me Doggy day because Grace is gonna have a doggy day for her too But for me what I plan on doing is I'm gonna try an exfoliating Dead Sea Salt Mask I'm reading it. I'm trying to but this isn't a normal one. This is a special Exfoliating with Dead Sea Salt Mask. Let me show you it is a penguin Exfoliating with Dead Sea Salt Mask, and I think I'm gonna look ridiculous I'm the type of guy that I read the directions on everything. I mean I make pizza in the oven All the time but still I read the directions even though I already know all the temperatures in the times I still look at them.  So let's open this bad boy up Bada boom. Oh Let's take a look see basically the same thing The instructions are the same wait 20 minutes rattle waddle around like a penguin and then snap a selfie All right Let's do this Just to give you an idea of where I got this wonderful animal penguin mask I wanted at Dave and Buster's Yeah, they actually had this in like their little prize shop and We used our winnings to get these so Open this bad boy. Yeah, I Do like face masks don't get me wrong. This isn't my first time, but this is my first time being a penguin So it is my first time I guess It's slimy Look at this. I don't know what to do with it Oh boy, oh Well, I don't want to rip it Okay.  I gotta pull this down. Oh, there it goes There we go Oh, wait, wait. Nope one little edge here Gotta be very gentle That's it What do you think? I can't wait to try it on are you guys ready for the penguin face reveal? Someone give me a countdown Gracie Gracie go Wow Whoa, that's what that is Yeah, I like it. It feels cool. It feels refreshing. I don't have my glasses on so I cannot see Anything, but I do feel it a little flappy It's a little flappy. I think it's because of my beard. I won't stick to my skin Whoo, they kind of look like gills Let's finish up the steps. Uh, maybe I can put my glasses on whoa Now I look like sophisticated penguin Hmm, I gotta wait 20 minutes and I have to waddle around like a penguin So I guess I better get on that But I was kind of confused because I was gonna make a penguin sound and I wasn't sure what a penguin sounded like so I actually YouTube what do penguins sound like and They sound like what I didn't think they would sound like they actually sound like a horn To like an antique car kind of hold on. I'll give you a listen Do you hear that? It looks like it sounds like an antique car No, I don't even think I can imitate it. That sounds like a donkey All right, so I'm gonna try I don't think Gracie likes the penguin mask She is throwing me shade here. What's wrong?   I don't know if that's good for you to be tasting on your tongue But now I think you know, it's me I've become a penguin this way But I know You'll love me anyway Thank you It's been a little bit and it's starting to get very flappy This might be the most terrifying video on the internet But I'm really even liking it it feels very cool and Reflexing and reflecting Well, I definitely feel exfoliating. I feel like there's a lot of exfoliating happening here, you know I could see it happening right there you know but Time's just about up and it's time for Gracie to go get her nails done. So I think it's time to get this mask off. I wonder if I can just like Hello Well, that was a lot of fun and I want to kind of remember this forever So I'm gonna keep my penguin mask and I'm gonna hang it on the wall forever Hold on Come on now There we go We're gonna name him Fred Does my face look clearer or exfoliated enough? I mean Think it came out pretty good. I can still smell it though. It doesn't have a weird smell, but Definitely feels funny Huh? Let's go to the groomers Let's go paint those nails. Yeah She loves going to the groomer. She loves getting her petty paws painted That's why we call her princess pretty paws She loves when she gets her nails painted. She doesn't fuss about it either.   I mean It's kind of a sacred thing.   No, I would never name you spot I Got a 50% off dog here anybody interested 50% off You would definitely be the bonus by of the month crazy. Yes, you would who's the bonus by the month? You're the bonus by the month And you'll look beautiful Gracie's in there now and it probably take about an hour I'm gonna hang out in the car and then we're gonna just hop right back in there and Can't wait to see my princess. Will you do princess pretty paws?  Look at this nifty bandana. They gave her and let me see them pause.  Didn't we Gracie? It was so much fun. Oh She agrees. All right, let's get out of here And I guess love the life you live. We'll see you guys next time. Bye


Hello friends, welcome to the session I am working on. Let us examine the applicability of mean value theorem for all the three functions given in the above exercise 2. Our function is fx equal to x square minus 1 for x being the element of closed interval 1, 2. So let us start with the solution. We are given fx equal to x square minus 1 for x being the element of closed interval 1, 2. Now since we see that the given function is a polynomial function, so it is continuous. Therefore, it is continuous in closed interval 1, hence differentiable in open interval 1. Now we will find f1 which is equal to 1 minus 1 equal to 0, f2 equal to 4 minus 1 equal to 3. We see that f1 is not equal to f2. Since we see that all the three conditions of LMVT are satisfied, Lagrange's, Lagrange's mean value theorem holds good. There exists a point c which is the element of open interval 1, 2. Now the dash c equal to f2 minus f1 upon 2 minus 1. This is our first equation. Now we are given fx equal to x square minus 1. Therefore, f dash x equal to 2x f dash c equal to 2c. Now putting this value in equation first equal to f2 minus f1 f2 is equal to 3 minus f1 is 0 upon 2 minus 1 is 1. This implies 2c equal to 3. This implies c equal to 3 by 2 which is the element of open interval 1, 2. Now hence we see that LMVT theorem holds good. So, hope you understood the solution and enjoyed the session. Goodbye and take care.


Good afternoon, Pastor David. Hi, John. Welcome everybody to unfiltered or random moment with Pastor David. I'm Pastor as audience, friends and family. We on Tuesdays we talk about current events. What I want to start doing on Thursdays is teasing out the message that you'll be teaching on Sunday. And so today I want to tease, I want to tease out a little bit the message that you're going to speak about with with unbelief. And one of the things I was looking at is in your notes, I was privy to see them, is that there's a phrase that we all know seeing is believing, right? And people can feel in the blank on that one. For Christianity, it's turned away. It's opposite. It's believing is seeing. And a lot of times, pastors, even with me, sometimes it's just hard to believe. You know, we put our faith in practice and sometimes we can struggle with the unbelief. Well, we're going to see a man on Sunday who's frantic about his son, who suffers severely, and he has an encounter with Jesus. And one of the things that Jesus says to him is if you can believe. Yeah. Yeah, if you can believe all things are possible to the one who believes. Yeah, that's one of my favorite passages. When I share it this Sunday, there will be emotion. You know, I'm already praying that the Lord will help me to control them because it's one of those passages that I I've been personally moved by. And so the whole Christian, the whole Christian walk, you know, is based on on faith. The most common word that is used in reference to a Christian is a disciple. We were mentioning that recently in one of the studies. So we're a disciple is the common word that is used to to to define a that's the word to to speak of a follower of Christ. We're called disciples, but we also are called in scripture believers. And the reason that we're called believers is because we are to believe in the Lord Jesus Christ to be saved. And so the word believers is used many times and the word is translated believers. It's the same basic Greek root, as I understand it, that would refer to also faith and also trust. So if you added words of those who trusted in Christ or have faith in Christ, and it's the same basic word and we as believers, those who have put our trust in Christ or faith is in Christ. Well, the way we became Christians and refer to as believers is because we believe, right? It's that simple. And we'll look at that in more detail this upcoming Sunday. Because as you just mentioned, you know, the old saying is seen as believing. But in John chapter 11, when Martha was speaking to the Lord Jesus Christ, we, you know, in reference to the death of her brother Lazarus, and Jesus had spoken concerning the fact that he'd be raised from, you know, the dead and this and that. He said to her, did I not say to you, if you believe, then you will see. And so for us as Christians, it is the trust that actually results in the expression or experience of seeing the Lord move. And so in this particular case, you know, the disciples and the Lord have been on the mountain three of the men, Peter, James, and John, were witness to his transfiguration. And so he comes down from that that mountain to the base. And there the scribes are, and there's a multitude of people, a growing crowd when the man cries out from amongst those in the crowd, you know, that he needed help because of a son, his son who was suicidal, a son who was throwing himself into water and throwing himself into the fire. And he's desperate and needs help. And haven't we been there ourselves in many ways, never perhaps as severely as this man who wants to child from infancy suffer and be tormented in this way. Not many people have experienced that kind or that level of suffering. But can you imagine the, the brokenness of the father as he came and said, I brought him to my, I brought my son to your, to your men, they weren't able to do anything. And then he says, but if you can do anything, show us compassion and help us. And that's when Jesus said to him, if you can believe, it's not that I can't do is can you receive in faith what I can do. And so to me, that's a very deep lesson. And that's when the father with tears says, Lord, I believe help thine my unbelief. It's not the areas of the things I believe in, Lord, I'm fine with those things. You know, for me, a life of catechism, Bible studies or whatever has been, has been fine. But to put those things into practice to actually see what is not as if it is, is beyond my pay grade at this moment, because all I see is a broken son.  He gnashes at his teeth, his gums and his mouth is bruised and sores, probably started gnashing away his own teeth. How can I believe when the only thing I've ever seen is what's in front of me? So yeah, I'm looking forward to sharing that story with our congregation, with an encouragement for us to realize that faith is being aware that God can do that, which we really can't easily understand. It puts us in the realm of trusting him in all things, because faith is not just for the times that are easy, and it doesn't make things easy. You know, faith doesn't make our life easier, it just makes impossible situations possible. And through Christ, we can go through these impossible situations and see the possibilities, because he's always faithful. He never fails us. And so yeah, I'm looking forward to sharing that this upcoming Sunday. You know, as you're sharing this pastor, you know, I always think about unbelief in my life and sometimes it will lead to hopelessness. But when we have our faith in Christ, I mean, imagine Jesus, as you're sharing, I was getting a little misty because I could imagine his father, you know, our children going through this from for a long time and the hopelessness he probably had through that unbelief, that he'd probably tried everything. He did. And even bringing him to the disciples, he, you know, Jesus wasn't there, so he did the best thing he could. He took him to the ones that spent time with him. They had already cast out demons. They had already done miracles. They had done things, but they couldn't in this case.  It even made it more difficult. And so yeah, I do believe that that this Sunday will be a good Sunday and I won't go beyond that right now. Yes, yes. You know, so if they're not going to be able to be with us, perhaps they can watch it online. If they can be with us, if you can be with us, it probably be worth your time. It would be. So please invite your friends and family to come out and join us. This is going to be a good study. I know it is. Services are at 8.30 and 10.45. And then we stream it again at 2pm online. But there's nothing better than just coming to church and worshiping the Lord. Well, we can. We should. Right. And so, Pastor, thank you for this. And this is a good teaser.  We look forward to having you join us again. Services are at 8.30 and 10.45 AM. Amen. Pastor, thank you so much. God bless you guys. Thank you for doing it.