So, what we will do in today's lecture is continue the discussion on Turing patterns which we started off yesterday. And towards the end of the last class, this is what we had done. We had found that the Jacobian matrix for the reaction diffusion system was given by this, okay. This is when a finite diffusion coefficient is actually added to the system, okay. And the determinant of this particular matrix is given by this expression. It is fourth order in alpha, okay. And what we had established was that the trace of this particular matrix would always be negative because it is already known to us that f u plus g v is negative, okay. So, there were 2 conditions which could possibly be violated for getting an instability. So, what we established was that the trace condition cannot be violated. The only condition which could possibly be violated was the determinant condition. And in order for the determinant condition to be violated, we know that this is positive because the system without diffusion is stable. This is positive and the only way the determinant can be negative is if this particular quantity is positive, okay. So, in order for it to be unstable and this is a necessary condition for instability. So, this is for instability, this is a necessary condition. What we already know also is that f u plus g v is less than 0. So, in order for you to possibly have an instability, there are 2 options. One is that both of them are negative. If both f u and g v are negative, then clearly this is always going to be negative and you will not have a violation. So, the only option available is one of them is positive and the other is negative, okay. And the negative guy is dominating the positive guy, okay. And so, what we had done towards the end of the last class was we had assumed that f u was greater than 0 and g v was negative. And because of the nature of this dependency, what we said was look the reaction rate increases with u. That is what it means. f is a reaction rate. So, as you increase u, the reaction rate increases and so this is u acts like an activator, okay. And as far as the other reaction rate, g, the reaction rate decreases with an increase in u. That means v acts like an inhibitor, okay. So, basically what you need to have is in your chemical kinetic expression, chemical reaction rate expression, you need to have this kind of a dependency. That is one species is actually going to slow down the reaction as you increase the concentration and if you have a regular first order kinetics, then you do not have this action of inhibition, okay. And you will not be able to get these Turing patterns for example, okay. So, this is what we had concluded. But these are all qualitative arguments and what we need to do is see if we can get some more quantitative information. So, if you want f u plus g v to be negative, if we have f u plus g v to be negative and if g v is negative, you can assume the other way but we are just assuming this, okay and we proceed. That means what the absolute value of g v must be greater than the absolute value of f u, right.  Only then this is going to be negative. If the absolute value of g v is less, then this is going to be positive, okay.    That means d v must be, this must be greater than 1. In other words, d v by d u must be greater than 1, okay. So, all I am doing is I am using the fact that g v is the mod of g v is greater than the mod of f u and I go back and I am trying to find conditions on the diffusion coefficients, okay. Because clearly the diffusion coefficients are, you can think of as parameters which I can to possibly control my system, okay. And if I can do that, so I am just manipulating the second thing. I am saying that this is going to be positive and that means I can possibly have instability. And if I have an instability, the resulting solution is going to be a periodic pattern because that is what we assume it will be of the form of sin alpha x, okay. And this is greater than minus d u g v. So, now I am just dividing by d u, f u is positive, take it down here and this is positive by positive, okay. And from this, this is greater than 1. In other words, what it means is that the inhibitor has to diffuse faster than the activator. That is the conclusion I have. That is, you know, if this is a necessary condition, remember, this is only a necessary condition for instability just because it is diffusing faster does not mean that you will have a spatial pattern, okay. Because this is only guaranteeing that the middle term is positive, but this is going to dominate the first and the third term in the determinant that we do not know. See, I want this to dominate these two terms. I am only looking at the sign of this term, okay. In order for you to actually have an instability, you have to make sure that this is dominating over these two terms. In this case, the determinant will actually be negative, okay. Otherwise, this guy can be positive but a small value and these guys can dominate and still determinant will be positive, okay. So, again, I want to emphasize that this is a necessary condition. This is a necessary condition for spatial patterns. So, now, how can I make sure that you indeed have spatial patterns? In order for you to have spatial patterns, you need to have the determinant negative, right. So, in order to obtain spatial patterns, we must necessarily have the determinant of, I have added a subscript D here just to tell you that this is the Jacobian of the system with diffusion. When I do not have D, that means there is no diffusion, okay. Determinant of JD must be negative. That is, this is system with diffusion, okay. So, basically what I am going to do now is make a plot of this determinant of JD versus alpha squared, okay. Clearly, this is a quadratic, okay. For lower values, this is going to dominate. As alpha goes to minus infinity, this is going to dominate. It is going to be positive. For large values, this is going to dominate. It is going to be positive. So, what I know is this is going to be of a shape of a parabola, right. So, the question is this is the general shape that I have. If this is the shape of the parabola, that means my determinant is always positive, okay. And what decides the shape? This shape is going to be decided by the values of the elements in my Jacobian evaluated at the steady state and the diffusion coefficients, okay. The diffusion coefficients and Gv evaluated at the steady state decides the shape. It is possible that this guy may start dominating. The middle term may be large in a small interval. So, that happens then. So, this implies steady state is stable. Which steady state? The one which is having a uniform concentration. Because we have done the linearization about that steady state, okay. That is the homogenous, especially homogenous, especially homogenous solution. This means no matter what the alpha square is, no matter what the, if you give an arbitrary disturbance, you can decompose it into different wave numbers. And for all wave numbers, this alpha, the determinant is positive. And remember trace is negative. So, trace is, what is trace represent for a 2 dimensional system? The sum of the eigenvalues. The determinant represents the product of the eigenvalues. So, now this basically means that then the real parts are going to be negative, okay. And because the product of the 2 eigenvalues is negative, so both are negative and trace is negative, okay. And so, if eigenvalues are negative, the eigenvalue was my growth rate e power sigma t.  So, the eigenvalues basically are my growth rate, okay. So, however, if you have a situation of this kind, if your determinant can be like this and that is going to be decided by the diffusion coefficients, then you are necessarily guaranteed that that is an interval of alpha over which the determinant is negative, okay. So, this is stable here, this is stable here. And this is exactly similar to what you had done earlier, your neutral stability curves, etc., when you had your really been a problem, okay. So, the point I am trying to make here is that in this interval, let us say alpha 1 to alpha 2, when alpha belongs to alpha 1, alpha 2, the determinant is negative. If the determinant is negative, it means one eigenvalue has to be positive, one eigenvalue has to be negative, okay. That means the stability is going to be decided by the guy which is positive and the eigenvalue remember is the growth rate. That means one eigenvalue is going to make it unstable, the one which is positive, okay. So, here sigma 1, let us say is positive and sigma 2 is negative and sigma 1, sigma 2, I use sigma 1 last in the class, right. So, sigma 1, sigma 2 are the eigenvalues of JD and these are the growth rates. So, what is it that is going to guarantee you that this fellow is going to be negative. So, so far we have just made sure that we had a necessary condition but what is it that is going to guarantee you that the determinant can be negative. You have to look at the discriminant of this particular thing and if the discriminant is positive, if the discriminant is positive, I mean you treat this as a quadratic in alpha square, if the discriminant is positive that means you are guaranteed 2 real roots and these will be the 2 real roots. So, in addition to dv by du must be being greater than 1, you need to make sure that the discriminant is of this equation is positive, okay. So, the discriminant of this equation being positive implies, so we are guaranteed that the determinant of JD is less than 0 if the discriminant of JD is greater than 0 because this guarantees me 2 roots, okay. So, that is my condition which I need b square-4ac. I need to make sure that du gv plus dv f u whole square-4 multiplied by du dv, okay. If the discriminant of that determinant expression is positive, I am guaranteed 2 real roots and these will be the 2 real roots. If the discriminant is negative, then it is going to be of this kind, no real roots, okay. So, that is what I have written here. So, now if you have a steady state, if you have a steady state for a particular system, you have your reaction rate expression f and g. You know what your Uss is, Vss is, you can find out by just solving those algebraic equations, right and using Newton Raphson or something. Then you can also calculate the partial derivatives of the reaction rate expressions and if it happens, you need to satisfy this, okay. That is a necessary condition but if you satisfy this, then you know for sure that the determinant is going to be having a negative value and one of the growth rates is going to be positive, okay. If one of the growth rates is positive, then from our form of the expression that we have assumed for the disturbance, the steady state solution which we are going to get is going to be a periodic solution because you assume sin alpha x, okay. So, what I am saying is, these are quantities that are known to you from your reaction rate kinetics. Du and dv, you can possibly think of as experimentally controlled parameters.  So, this is the necessary and sufficient condition in some sense because this is going to give you the thing. Now, the spatial pattern. I just want to spend a little bit of time on that expression. So, there was a neat explanation given about this dv by du. So, I think I will mention that dv by du being greater than 1, okay. So, we were looking at these two species, one as an activator and one as an inhibitor, okay, talked in terms of chemical reactions. So, rather than talk in terms of chemical reactions, I would like to give a slightly broader, more general argument. Now, many places where you would have seen, you would have read the newspapers about forest fires, okay, spreading and you know people especially when the U.S. in Australia, the weather becomes very dry and at one place, the forest, the wood catches fire and then it spreads and it causes a lot of devastation, right. So, and of course, how do you control it? You control it by having some kind of a firefighter who goes is spraying some chemical from the top or you know there are these fire engines who are going to go and douse the fire, right. So, you can look at this particular thing as if that is one of them is an activator and one is an inhibitor. The fire by itself has a rate by which it is spreading, okay. So, the fire is an activator because it just spreads whereas the fire engine or however you are spraying the aeroplane with which you are spraying your chemicals to control the fire, that is an inhibitor that is actually trying to quench the spread. Now, supposing the fire engine is moving very slowly, it does not move fast enough. The fire engine remember is the inhibitor, right. Supposing the guy does not spread fast enough, the fire is going to spread everywhere and the entire forest is going to be burnt. You will have a specially uniform homogeneous steady state, no forest anymore, a lot of ash, right. But if this guy is able to move faster, if the fire engine can move faster, then you will have pockets which are burnt, pockets which are not burnt, okay and then you are going to get a special pattern. So, that is just one way for you to possibly think of this particular thing. So, I mean I just thought this is a nice way to explain this. So, if in a forest fire, the fire spreads fast, that means the diffusion coefficient, that is the rate of spreading. Diffusion is basically a rate of spreading. Diffusion of the activator is large. Then the fire fighter moves, I mean in comparison slowly, that means D of the inhibitor is low, okay. Then we have uniformly charred forest, okay. But if D is a fire fighter moves fast relatively, I mean these are all relative things, right. That is D inhibitor is high. Then we will have pockets of green and you know burnt portions giving a special pattern. Of course the theory for this particular Turing pattern is whatever I have discussed here, okay. But then experimentally established because you know diffusion coefficient is not something which you can actually control. It is not a flow rate that you can come open your valve or it is not a temperature that you can actually increase. So, to actually experimentally establish the existence of these Turing patterns, that took a lot of time, okay. And then finally it was established and then some people started actually believing Turing patterns actually exist. So I think that is something which you people can read because there was a huge gap between the theoretical prediction of how diffusion can actually cause an instability, cause a spatial pattern and by the time in this particular theoretical prediction was actually verified. It took experimentally, it took time because you need to have the right system with the activator, with the inhibitor so that the kinetics was having this kind of a mechanism. Then you need to make sure that the diffusion coefficients are also right, okay. So that would depend upon the concentrations. So I mean with lot of persistence people finally managed to get this. The point I want to I want to just make one more point here and that is when the determinant condition is violated, when the determinant condition is violated, the eigenvalue which is actually causing the instability is a real eigenvalue, okay, that is the eigenvalue causing the instability is a real eigenvalue because now you can have a complex eigenvalue of the real part. What I am trying to tell you here is that the, see there are 2 ways in which you can have instability. One is the real part of a complex eigenvalue is positive or the real eigenvalue is positive, okay. So the point I am trying to make here is when the determinant condition is violated that means what? I mean when determinant is negative, when determinant is negative, one eigenvalue, one of the eigenvalues is real and negative, the other eigenvalue is real and positive, okay, that is sigma 1 is real and negative say and sigma 2 is real and positive for instance. Just before the violation, just before the guy cuts the x axis, both of them are going to be negative, okay. This means what? The linear stability indicates an exponential growth and to another steady state which is spatially periodic, okay. This is like same as what we had for our Rayleigh-Bernard problem. You had a stationary solution which was not moving at all and then when you had instability, you got a periodic pattern which was steady, okay. You have a periodic pattern spatially varying but that was also a steady state. So this is exactly the same thing happening here, okay. So I mean the new solution that you are going to get when the homogeneous solution becomes unstable by changing the diffusion coefficient is going to be a steady state pattern but it is going to be periodic. The earlier solution was a steady state pattern but it was spatially uniform, okay. So what is the other situation possible? So let me just explain what I mean by this. I am just going to draw the determinant versus alpha squared, okay. It is like this. So this is the situation where sigma 1 and sigma 2 are both real and negative. For this case, sigma 1, sigma 2 is real and negative whereas here, sigma 1 I wrote as negative and sigma 2 is positive. What is the difference between these two? I have changed something like a diffusion coefficient, okay. That is, let us say I am changing only diffusion coefficient of u. So for some value of du, I have this business. I keep changing du, this curve is going to change and it is going to come below, okay. When it comes below, just at that point, here you had both eigenvalues real and negative whereas here you have one eigenvalue negative, one negative positive which means a real eigenvalue has crossed the imaginary axis. A real eigenvalue has changed from negative to positive, okay. And that is what I want to say. The sigma 1 remains negative but sigma 2 has changed from negative to positive making it unstable. There is another scenario which is possible. I just want to mention that. Suppose we proved in this particular problem that the trace was always going to be negative, okay but suppose you have a situation where the trace can possibly get violated and that is not applicable to our problem here because we proved that trace is always negative with the diffusion coefficient. Suppose hypothetically or for another problem, the trace condition is violated which means what? Trace was earlier. Trace is negative without diffusion coefficient, without the d, okay. Trace is positive with the d. Suppose then if you actually calculate the eigenvalues, it will turn out that now the eigenvalue is causing the instability are a complex conjugate pair. So the real part will change from negative to positive, okay. The real part changes from negative to positive. So supposing this happens, what can you say about the nature of the new solution or the new state? The new state is not going to be a steady state. The new state is going to be a time dependent, time periodic solution because it is a complex conjugate pair. You will have e power a plus i b, okay. You have e power i b t. The e power i b t is going to be periodic in time and so what you will actually see is a periodic solution in time, okay. So here the new solution is periodic in that is earlier there is no imaginary part. Now I have an imaginary part that means my growth rate which is of the form e power sigma t is going to be of the form e power a plus i b t, okay and this is e power a t times e power i b t and e power i b t tells you this is periodic in time. So you actually now put a probe and you have to measure I do not know concentration or velocity or temperature. You will actually find if this situation arises time periodic behavior, okay whereas in the other case but in our Turing pattern problem that does not happen because the trace condition is not violated. Trace condition improved is always going to be negative, okay. So I mean I just wanted to mention this that this is also a possibility so that you not always think that whenever there is an instability you always get a steady state. You can also get a time dependent solution, okay and when this happens when you have a time dependent solution that means the new solution is periodic in time this arises at what is called a half bifurcation. So I am just dropping a couple of keywords for those of you are interested to actually read a bit more on this, okay. I think so what we have seen here is in order for you to actually have a Turing pattern or a spatially uniform spatially periodic solution when you have a system with a reaction and a diffusion added. You need to your kinetics should be such that there should be something which is some chemical which is activating, some chemical which is inhibiting and the diffusion coefficient of the inhibitor has to be faster than that of the activator, okay. So that is the prediction and then there are some necessary conditions and sufficient conditions which we derived. So I think the very fact that we have taken a very simple 2 dimensional example with 2 variables has actually given us a lot of insight into this particular problem. If you had taken actually more complicated system then you possibly would not have been able to get this kind of an understanding, okay. The other important point which I want to emphasize here is that look what we have been doing so far is using this framework of linear stability analysis which is a very general framework which can be used for understanding any system. It is not necessarily in fluid mechanics, it could be in reaction diffusion, it could be in some other system. So as long as you write your governing equations, okay and there is some kind of a nonlinearity which is embedded in the system which is going to be describing the system behavior. The procedure is very, very clear, okay. So I think the important point what I want to say here is linear stability analysis gives the general mathematical framework. You can apply it to any system and I think that was one of the things which I wanted to do that is you not necessarily hydrodynamic problems, fluid mechanics, it can be reaction diffusion, it can be something else just only chemical reaction, okay. And the idea is we have to find a steady state, okay. I mean they are always trying to find the stability of a particular steady state. So you need to find what the steady state is, only then you can find out whether it is stable or not and that is what we did. We had a spatially uniform solution. In the fluid mechanics problems it was velocity was 0, that was my steady state. In this problem uss vs is some constant value, okay.  And sometimes if you have diffusion coefficient you will have evolution in space as well. And if the growth rates are positive then steady state is unstable as it is stable. And one of the things is the nature of these curves is such that the system automatically the intrinsic features of the system it decides what the periodicity is spatially. It is not something which you know depending on how you do the experiment. So for example in the Rayleigh-Binard problem the wavelength of the periodic solutions came was decided by the properties of the fluid, okay. The space between the things. Here the alpha where it is just going to cross the imaginary axis, the x axis sorry is going to be the one which decides the periodic spacing, right. In the determinant when I plot it vs alpha square the point where it is just tangential when I actually had the determinant of JD vs alpha square and some value is just going to be tangential. The periodicity that you are going to see is that one, okay. And that is going to be decided by the kinetics gv fu is going to be decided by the diffusion coefficients. So whatever is there in the system that is going to decide what the spatial pattern is. So what you can of course do is in a very simple system one dimensional equation in x you have a reaction kinetics you can just do a finite difference method and you can possibly solve the system and see when the determinant condition is violated when it is not violated what kind of a solution you get. You can get a spatially uniform solution when you have the determinant is positive, when the determinant is negative then depending on the choice of the parameters you might be able to get a spatially periodic solution. It is a very simple experiment you can do on the computer. It is more difficult to do an experiment in the lab with the test tube, okay. So I think that is something which you guys can do. What we will do is I do not want to start something new at this stage. So we will stop as far as this particular class is concerned and in the next class what we will do is we will derive the boundary conditions for the tangential stress wherein the gradient of the surface tension will show up, okay and we will have the formal derivation then we will do a problem on Marangoni convection and see how Marangoni convection sometimes is the cause for natural convection and not the buoyancy term, okay. Then we will work on 2 or 3 more problems in fluid mechanics but just to take you slightly away from fluid mechanics and kinematic boundary conditions we just threw in this example. We will go back to kinematic boundary condition and fluid mechanics next week, okay. Thanks.


Hi everyone and welcome to our discussion on mainstreaming ESG. I'm Jessica Matthews. I'm global head of sustainable investing at JP Morgan within the private bank and I'm joined by Josh Levin He's the chief strategy officer and is a co-founder at Open Invest Which is a fintech with the mission to bring values based investing to the mainstream via technology So it'll be the Jess and Josh show today And we really just want to talk to you about where you know where ESG has come in this kind of evolution towards mainstreaming what we see today and certainly want to leave with some thoughts on where we see it going and As some of you may know JP Morgan acquired Open Invest this summer to join us in the private bank Josh and I have actually known each other for years and so it's been really exciting for me Because we went from being really excited about you know Evaluating a product in the service to literally bringing that really, you know top Leading expertise right here into the private bank So really excited about all that this will mean for us as a partnership. And so we'll get into a bit about that So Josh, I want to turn it over to you. First of all I do recall that this is really exciting for you because Open Invest really originally got its roots wandering around Fort Mason at at this event years ago So I'm just coming full circle for you But I just wanted to have you kind of expand upon what I sort of alluded to already, which is how you know Mainstreaming sustainable investing is really at the core of the innovations at Open Invest Thanks, Jessica. And yes, it is just great to be back at SoCAP If any of you were there in the fall of 2016 you might Remember us or remember me accosting you in the food truck lines or anywhere else at SoCAP as we launched our first products And we're convinced it was gonna go viral starting with the the community right here the impact of this community and I wouldn't say we went viral but it's been a it's been a great ride and we're really excited where we've gotten to And where we're going But yes, the company started Open Invest started about five years ago and it was really a marriage of two backgrounds I came from the sustainable finance space My co-founder and a bunch of our team members came from Traditional hedge funds some of the world's largest hedge funds where they had led technology teams automating a lot of the key systems portfolio management trading risk controls analytics and And we got together and founded Open Invest as a public benefit corporation Why you probably know what that is our mission is to mainstream ESG through technology and I like to feel that we brought some a level of technology horsepower into the space that hadn't necessarily been there before as We looked at ESG and impact investing I think a core insight was that it's you know people people aren't just looking for a new Label or asset class that it's really broader than that. It's bigger than that people are looking for a whole new way to invest They want to invest with their their whole selves They want to know what they own they want transparency. They want experiences. They want engagement and this is really turning the traditional Industry ethos on its head. It's not leave it to the expert. It's Tell me what's going on engage me represent me holistically keep keep me involved and to do that at scale requires A whole new set of technologies and services things like seamless personalization Real-time tangible impact reporting proxy voting and more and so these are the types of things we built across our platform and We feel that the next big wave in ESG growth Which is starting to hit us and we're very excited about is not going to be driven by products But rather by by features by services and the ESG is ultimately going to mainstream these features rather than products So yeah, that's where we've come to now and here we are with with JB Morgan ready to help drive that wave And I guess Jessica to back to you. I'm just curious to hear your perspective on this When you joined JB Morgan What did you see as the institutional and traditional approach to ESG and and where do you see it going now? Yeah, sure. So I joined three and a half years ago Having been in the field already for ten years and it was actually to your point That's kind of the appropriate word I really got my start doing this 13 years ago more on the endowment some foundation side of things and Really throughout that time and especially once I got here to JP Morgan There was a lot of focus I feel like more on that institutional side of the market and certainly, you know large assets at play But what's been so great about the journey here is first of all like as soon as I walked in getting more experience with you know a high net worth or ultra high net worth Asset base or client base, excuse me And but I would still say the journey was so interesting I'm going to come back to why I'm just going to pick up on what you said about your observations on a Service and an entire experience. I would still say when I got here though What we were very focused on and rightfully so and we needed to do work on this was thinking about Expanding that product palette. So we had a good bit, you know when I got here three almost four years ago But we needed really to expand the options Across different types of investing from you know ESG focus to more themes We certainly needed to expand across asset classes We've been doing a lot of work in the private markets, for example or creating some discretionary for in the public markets So there was a lot of work to do around product and I feel good about that Honestly, I feel good that we've made a lot of progress and if a client comes to us We'd say look you have all of these investment options for you But and this comes back to what you were just saying and I think really excites us here And why do you feel like this was such a good partnership is what is the full client experience around this? And in particular what I'd say that I feel like we needed to spend more time on and I think people around the industry Feel similarly and you guys just have come up with a great tool is around reporting And what does it mean to actually diagnose a portfolio? What is a client going to look at then and see on a quarterly basis or anytime? They really want to call up their advisor to say what's in my portfolio? And you know, how is it improved over time or not and you know, what steps can I take to improve that? So I think this notion of moving away from just sustainable investing as a product to more of a service and an experience is exactly You know the kind of journey that we're on and Look at all this stuff, you know, we're already discussing together Josh from that, you know product And yes, there will be some offering a product, but it's more of a customization than a single product And then there's reporting. There's diagnostics, you know, hopefully proxy voting all sorts of things that are going to round this out so So that that's my view about what's what's pretty exciting in this evolution that we've been on But maybe actually over or back over to you I mean from your side of things in your perspective and again, this is a topic about Mainstreaming what is open and best in your team view is the real Impact that this partnership can have Well, I It's funny because I think for years All of you guys folks in the industry have been saying no now we're in the golden age of ESG, right? And it keeps updating and getting hotter and hotter I still think we're just at the tip of the iceberg and Kobe and a lot of the social movements and events of the last two years have further accelerated this but If I can land something here, I think that Technology and new rails and infrastructure at banks and a bunch of big providers are really going to open up the field for a new level of acceleration that people may not have gotten their minds around it's kind of like We were building bit better and better websites But when Apple comes out with the iPhone and you have a whole new paradigm shift that allows The you know the app world to explode it so I'm using that as a bit of a metaphor for That I think we're going from from what you know one point out of 2.0 here in terms of ESG And again, it connects. I think we saw that and have built towards that And benefited from that because of our principles like everybody in this space is driven by their principles For us our principles my principle was I'm just not interested in being five percent of someone's portfolio Like that's not interesting to me. I don't want to be the next brochure or the next thing in someone's cocktail party conversations I mean not that I have anything against that, but the world just can't wait When you came come from world wildlife fun like I did and you're looking at these statistics every day I mean we're just facing a complete environmental catastrophe. It's going off a cliff The chainsaws are buzzing.  So I believe in impact investing not just as a career but truly unlocking finance as a driver For rapid social and political change and we need to achieve that now And I want to see that in the next five to ten years certainly in my lifetime So that's the kind of principle. That's the driving force and then when we Will we were raising an investment round and jp morgan looked at it and then said that they wanted to acquire that was not an easy decision for us and One of the main things probably the biggest thing that tipped us was just the scale so Our mission was the mainstream jp morgan chase is as mainstream as it gets. It's the largest bank in the u.s They service Over half of american households So that's that's what we're talking about here And I think that taking our technology tools When applying them to that scale Is not going to just accelerate esg, but it's going to help ensure that there's engagement and impact With the end clients creating the feedback loops With the broader wealth channel Across the u.s That will really help to change consciousness at the street level in terms of what finance is and it's kind of 3d impact on the world So I these are these are broad concepts i'm talking about but i'm saying for example having everyone who's using chase products Starting in investments But ultimately getting down to You know long-term credit cards spending banking and checking Seeing real-time impact reporting on their dashboards right and seeing nudges and realizing how they can make changes in the world And was that add up to concretely? And then nudging them to take other actions and other parts of their lives that can contribute to that and again at the Type of scale that we have here I mean, I don't feel like i'm gonna i'm likely to get another chance in my life to have that type of impact so that's That's what excites us about this partnership. That's what's driven us And just as a note to the industry here You can't do anything at this scale without technology You can't do anything at this scale without technology and everyone Is going to be looking for solutions to compete in this space Uh vcs have gone from esg skeptical five years ago to calling us constantly saying what are you looking at? How do we get an esg technology play? Other banks other players are reacting and will be reacting to what we're doing here Everybody's looking for things to buy and the bottleneck now is really on the supply side So I think it's an exciting time and there's a lot more supply that is needed in terms of scalable esg solutions and technologies Got it and you know one of the things we talked A little bit abstractly maybe about some of these things But maybe just bring it to life and perhaps they seem obvious to some but I think you guys Um, you know this notion where we're talking about curating causes What are some of the ones that you feel like really resonate with clients because um, you know This is certainly not about you keep using the term esg. This isn't about esg scores It's about getting very specific around certain issue areas that clients care about So could you help bring that to life just a little bit more? Yeah, I mean we're like I think of uh So sure responsible investing in esg is in many ways built up for the institutional client even though there's obviously been a lot of diehard retail segments and and mutual funds and other products and we started at $100 like tiny Accounts and wanting to let everybody basically us and our friends be able to do the type of Custom personalized values aligned investing that that ultra high net worth You can do and when you bring it to the mass market Everything ends up change. It it's not just the products. It's how do you even talk about? Um screening How do you talk about impact? How do you talk about proxies? So if we take screening, so I'm using the traditional terms like nobody understands or wants to hear that this is negative screens or has negative screens and positive tells that doesn't actually um That's not understandable jargon to most people So we ended up talking about it in terms of causes And these are really thematic approaches that include positive and negative But can be endlessly mix and match and overlay on your portfolio And then finally quickly learning from our customer base What are the new areas? They're responding to Social movements. They're responding to the news cycle. So we developed things like a cause around refugees which companies are committed to doing the most to help refugees and Clients actually get impact metrics on their dashboards how many Approximately how many refugees have been hired as a result of their portfolio how many have been mentored and so on We also had a lot of folks caring about mass incarceration and traditionally asset managers might just divest the two private prison companies We got together with ngo and created a I think the first kind of master data set on mass incarceration. So which companies are Providing goods and services selling goods and services to prisons lobbying for more of these get tough on crime Fills and conversely who's committed to hiring the formerly incarcerated and so on. So those are just some examples But I think more broadly.  No, I mean having flipped under the hood and seen some of these things In more detail. It really it really is impressive what you guys have done for by the way I went this whole time without noticing you were in your jp morgan police today, which I just love They kept her we kept her a logo ball. We kept the open of this logo ball But yes, it's very comfortable. I have to say you guys make a good police Um, all right. Well lest we we have the so cap audience talk more about our fashion choices today Maybe we should maybe we should bring it to an conclusion Um, and by the way, we have to note that, you know, we were talking earlier about how Like we can't wait to be back at fort mason not the least of which is because Nobody listening to this will know that I put everybody through 30 minutes of technological snafus before we even got on this call So we can't wait to get back to fort mason and do this again live Hopefully next year. Um, all right, so josh, let's let's end on sort of some of the moonshot So you guys have done so much to get here um And you know really have an innovative product out in the marketplace, but Just thinking about what's next what's on the horizon where where do you see this going?  Like I said, we're just at the beginning So it's about rapidly building additional things as well. I would say the thing I'm personally most excited about is proxy both So if any of you who are open and best Users know that we released a feature about two years ago where you could vote your Shareholder resolutions with a swipe on your smartphone and it would be curate curated you just get a nod to when there's one that Would be relevant and interesting and then you can swipe your vote and you're actually voting in in these board level decisions So it makes a ton of sense It was a three-year labor of love for me to develop this product It's something that should exist in the world. We all in these companies these companies are getting more powerful there's a democracy waiting and And and I thought when we launched this thing That it was immediately going to go viral. It's like the world's first digital democracy boom here you go get it in the app store Turns out it did not go viral The world was not waiting for easy proxy voting because the world has no idea what proxy voting is just us here In this virtual fort nascent center. No proxy voting is and a few others But a lot has changed in the last few years There's been growing media attention everything from Congratulations, like you guys actually winning these votes Remember when the goal was just to get 10 15 percent and now We're winning some of them and engine number one created a ton of And as you saw and others were were very involved with that action They get a lot of media attention So I think there's growing consciousness around that and then it's part of a larger growing circle around impact investing That creates a new opportunity There's VC money flowing into the proxy voting space and most importantly, I think with JP Morgan scale when you have When you have tens of millions of clients, there's really an opportunity for us to now take these these types of tools and educational content and tip the market And so I am so excited to see what the true full potential is of unlocking street level proxy voting for shareholders a global But you know back to you and Jessica you've you're working on a bunch of things open investment beyond across the bank What would you like to see in the space now? Well, we certainly have our work cut out for us for everything we're going to be doing together But yeah, I mean, I think some of the other interesting things that are happening, you know, you see A lot of commitments around What banks are going to do this one included just the other day To net zero portfolios. I think there's a lot that investors can be doing in their portfolios And it becomes not just, you know, choosing a portfolio that's got a lower carbon footprint But what real changes are we making are there offsets involved? Are we, you know, allocating to more solutions, etc? We think of any number of levers that we could pull so that across asset classes You know, we really are on a journey To lower carbon portfolios. And then the other one that I would give you kind of already alluded to this, Josh It was um, you know, we talked about investing this whole time. It's actually investing in, you know, my title So that's what we focus on we focus on the investments here at JP Morgan But you know, I think we're in a journey now where again, it's it's all about sustainability on the brain of investors But clients as people and so what else do we provide here? We do banking lending Closets we do mortgages. So I think I think really we're going to turn a corner to where we're offering advice I'd like to think that when clients walk in the door We're going to have a goals basis discussion with them. That isn't just about investments. It's really about everything you do with us. So Um, so I think, you know, that's that's what I hope for and we have a lot of every time I think I turn to corner and we are You know, we've accomplished something which we've accomplished a lot There's just there's the next horizon and I think some of those are in scope. So Um, or anyway, well 20 20 minutes goes quickly as a matter of fact, I'm just realizing we're at 21 So I guess I guess we'll conclude conclude this mainstreaming discussion and leave it there Um, any last words josh? No, I think that covers it. Thanks Jessica. Thanks everybody. We'll leave it there. Um, thank you again to the group at Socap for having us and um, we look forward to hopefully doing this again in person next year


YouTube team keep it clean. I can't even laugh. I'm super hyped right now, man And and I know I told y'all like temporary expectations Don't expect too much from Michelle Bateman tomorrow and and I'm still saying that but ain't nobody tell y'all not to be hyped Ain't nobody tell y'all not to be excited because we we got like so much great news all in just one second because I had tweeted at about 339 I said oh I said it's 20 minutes till it becomes official till it becomes official because we all expect the Richard Bateman to play this week I mean they've been talking about it since last week. He was expected to play the last week But then the Ravens like now let's just take another week. All right, cool So then it was said that they expected to play this week So then hardball even said it the other day He was like oh we expect Richard Bateman to play this week and even though he said that I was like I Gotta see it become official first Because talk is one thing, but I need to see that the Ravens actually activate our guy Richard Bateman so When it was determined that Sammy Watkins would not play in the game tomorrow against the Chargers We was all like a whole man Is it's gotta be even though we wanted to see all them boys play at the same time together and we will see that eventually but just not now and that's okay, but It is now official the Ravens have activated rookie first-round draft pick wide receiver Richard Bateman, so he will be making his in-season debut tomorrow against the Chargers now Something to keep in mind something to think about when you watch this game something I've been thinking about an old lot of y'all been thinking about it, too Originally when Sammy Watkins was playing I was like, okay Rashad Bateman passing game is going good. They've been doing that thing Rashad Bateman He why I expect him to get get get some get a couple catches maybe but nothing too crazy He'd probably be on a pitch count beyond it be on a snap count whatever He ain't gonna play too much too much, but he's gonna get his in now to Sammy Watkins is out It makes you wonder like oh is Rashad Bateman like really gonna be out there like that like that I still would still say no cuz his first game It's his first game, but now I do feel like a Little bit of pressure has been just a little bit not too much But I feel like a little bit of pressure has been added on to the shot Bateman's plate since Sammy Watkins is out But now we ain't forget about of course Hollywood. We forget about pro shade. We didn't forget my dude But either so shout out to them boys for they've been coming through They have been coming through and of course last week in a game against the Colts Sammy Watkins went out autumn boys stepped up and That's what we need from everybody. So now we got Bateman back we got Boyle back and That wasn't the only announcements that the Ravens made that wasn't it. We got another be Lavin Bell will be playing in the game tomorrow and after Last week, I don't really think that's much of a surprise Ravens run game has been a big yikes this season and it's been the mix of a lot of things What it's been the mesh point mesh point is big because when Lamar is either handed off to the running backs are keeping it They just don't have the chemistry like a Gus Edwards like a JK Dobbins like a Justice Hill And that's something that me personally I took for granted because y'all have heard me say plenty of times Oh any running back you put back there. They gonna be straight, but it just hasn't been that simple We've seen guys like Nate McCrary in the preseason do his thing We've seen guys like Tyson with Tyson Williams in the preseason do his thing and these guys are guys that have been here this off-season but then with a Devontae Freeman that that mesh point wasn't so pretty the little Tavius Murray that mesh point wasn't so pretty Even with Lavin Bell now Lavin Bell. He only did it for one game. So it's still early So I mean we gonna see that next point tomorrow But that's been big of course the offensive line That's also been bigger because they've been up and down now if you look at the Their win that they'll win a percentage when it comes to pass blocking and run blocking They up there in a good way and I was like, oh, okay. So it's just about our guys not hitting them holds the right way So that could be it too but I think a huge part of why the running game has not been so effective this year is because teams been selling out They've been selling out to stop the run game So they've been they've been putting everything into it's like hey these Ravens they not about to run on us But oh they have dirt definitely been reminded that oh these rate They ain't gonna run on you for their show pass on you and that's been a beautiful thing But anyway, so we got Bateman We got pale and now we got brute because this is something that we needed the Ravens also elevated Andre Smith for the game tomorrow against the Chargers now, you know our offensive line has been rough You know our offensive line has been a big yikes It's been a struggle Again, they ain't been all bad, but as far as injuries Obviously Ronnie Stanley via Nwaver. He's been hurt. Tyree Phillips got put on injured reserve And I mean it's been rough. We lost Ben Cleveland last week now. He's on injured reserve So the offensive line has been going through it physically But guess what they think they elevated Andre Smith. So they got another body on there, but that's not it That's not it. We got the quadruple great news today because we got Bateman We got bail. We got some brute with Andre Smith and then we get our boy Tyree Phillips back in a mix and Tyree Phillips being back. What does this give you? This gives you a swing man This guy could swing around a whole offensive line except center Well, maybe you could do that too, but he was originally to start at left guard He can play left tackle. He can play right tackle. He can play right out You can have this guy move around just in case But it's nice to actually be getting him back because when he went down, I believe let me know if I'm wrong But I believe if my memory serves me correctly and you know y'all know a lot of time I remember you don't be serving me correctly like just to give you an example in One of the recent question from subscriber videos that we put out earlier today Somebody asked can Mark Andrews be one of the best Ravens tight ends and I was thinking like uh, yeah, and in the video I said, uh, yeah, he ain't got no competition. It's just what Todd heap and Dennis Pitta. That's all he's going against like what's that? But because my memory wasn't serving me correctly. I forgot all about Shannon shop And y'all let me know in the comment section respectfully y'all did that's why I appreciate y'all team keep it clean Could you let me know respectfully but anyway? If my memory serves me correct correctly, I believe when Tyree Phillips got hurt I believe he was carted off. I believe he was I'm not 1,000 percent sure but I believe he was But either way if he was if he wasn't he's back and for us as Ravens fans to be seeing guys come back That's so beautiful. It almost makes you want to cry happy tears but This is nice. So welcome back Bateman. Well, actually welcome Bateman because this is his regular season debut He didn't play in the preseason. So welcome back Bateman Uh, welcome back again, Bill Welcome back again Andre Smith and welcome back Tyree Phillips So I love that we can all collectively say together as an entire team keep it clean as all the Ravens fans all across the world We can collectively say all together that Unlike these guys are now when it comes to their status on the roster and playing and they play status And if they can practice or not like we don't have to say any more when it comes to these four players I'm out


Attention, St. Lucia! The Ministry of Health is seeking your support. The Ministry of Health will be conducting an island-wide survey to understand the effect chronic diseases like diabetes and hypertension is presently having on our people. This survey will start from November 2019 and will end in February 2020. If you are selected to participate, a team from the Ministry of Health and the Central Statistics Department will visit your home. You will be asked to answer some questions on your health status and health habits, and a nurse will test your blood pressure, cholesterol, and blood sugar. The nurse will also collect some urine to test how well your kidneys work. Your participation will make the difference in improving how chronic conditions are managed in our country. Engage in the change to reverse chronic illnesses. Participate!


Hello and welcome to the session. In this session we discussed the following question which says a cylinder and the cone are of the same base radius and the same height. Find the ratio of the volume of the cylinder to that of the cone. Let's proceed with the solution now. Let the base radius of the cylinder and the cone be equal to r since it's given that the cylinder and the cone have the same base radius so we have taken that to be r. Also suppose the height of the cylinder and the cone be equal to h since the cone and cylinder have the same height so we have taken that to be h. Now volume of the cylinder be equal to V1 is given by pi r square into h. Let's consider volume of the cone be equal to V2 is given by 1 by 3 pi r square h. We have to find the ratio of the volume of the cylinder to that of the cone. That is V1 upon V2 is equal to pi r square h upon 1 upon 3 pi r square h. Now pi r square h and pi r square h gets cancelled and we have V1 upon V2 is equal to 1 upon 3 or you can say we have V1 upon V2 is equal to 3 upon 1. That is V1 is 2, V2 is equal to 3 is to 1 or you can say that the ratio of the volume of the cylinder to the volume of the cone is equal to 3 is to 1. So this is our final answer. This completes the session. Hope you have understood the solution of this question.


Hello again I'm Andre Acosta a tech sergeant in the Air Force and a recruiter for the California Air National Guard. Today we're going to talk about five Air National Guard perks you didn't know. If you have any questions specific about the California Air Guard feel free to reach me direct on my cell<PHONE_NUMBER> and as always thank you to Airman Vision for always putting out real information that our applicants can use so they can make the best enlistment choices. Let's get right into it starting with number five our enlistment contract actually starts the day you enlist. Now this is in contrast to active duty when their enlistment starts on basic training because the day you sign that's the start of your enlistment contract you get some perks like a military ID and that's before basic training so you're eligible for discounts whether it's like you know going to Nike outlets or small parks that's pretty cool you're gonna get paid while you're in drill which is that one week in a month and we're gonna send you to something called Student Flight which is paid development and preparation for basic training. This is unlike Depp which is an active duty thing I'm not trying to cast any shade on active duty I just want you all to understand the differences you know in Depp you're getting development and training for active duty but you're not getting paid for it. With Student Flight with us in the Air National Guard you are so that's a that's a pretty awesome perk and that's what I mean that comes with the start date. A high school senior you can actually join this September of your senior year. Number four more time for college so if you're thinking about going to college and you also want to go Air Force we're probably one of the best options in existence it's gonna be local we're part time in the Air National Guard and then we have awesome educational perks and scholarships so you can get you know if not all of your school paid for you can get most of it paid for and then also by having Air National Guard on your application your college application a lot of times you can get into some better schools. Now number three is that you can serve close to your hometown you can still hang with your friends you can still be present in your family's life go to all the holidays. Number two Air National Guard perk you to know about BAH in basic training and textbook so BAH is basic allowance for housing so it can be rent money through mortgage money so as long as you have a credible lease put your name on it we will pay you BAH while you're in basic training and textbook also BAH is tax for it. Number one Air National Guard perk you to know about you can enlist up to the day before your 40th birthday. We have the most lax age criteria so you know you can join as early as 17 and then as late as a day before your 40th birthday. A lot of people thinking like it may be too late it may not be right. If you have any questions you know talk to your local recruiter you can just google to find out their contact info or research more on goang.com. If you've got questions specific to the California Air National Guard feel free to call me text me direct my phone number is<PHONE_NUMBER> again<PHONE_NUMBER> thanks and I'll see y'all next time


The world is currently facing a complex threat landscape in regard to organized crime, international terrorism and cyber crime. International police cooperation is more important than ever because these groups are operating on a global landscape. We are meeting here in New York with regional police partners to discuss a new model of information sharing. That is the only way to connect the dots and to help tackling those groups who are operating on a global scale.


a Twitter poll on our Twitter page in Mr. Morrow asking whether we go to SeaWorld Electric Ocean, Epcot, a Disney resort, or stay at home in Pet Crazy. And everybody voted for a Disney resort and then somebody commented, Old Key West. And we haven't been here in a while. Yeah. It's one of our favorite restaurants, Olivia's, so we're gonna have dinner at Olivia's and just basically tour around the resort. Just, you know, just be romantic. So it should be fun. Let's go do this. For the moment, we're sitting out in front of the check-in area in our rocking chairs just enjoying the view. There's the DVC ferry right there. Well, the sign for the ferry. The ferry's not actually there. And pretty cool to mention that this was the first Disney Vacation Club resort. Really? Yeah, very nifty. Wow. We're gonna go back inside the check-in area because it's pretty nifty and the AC is pumping. Reminds me of a living room. Behind the checkout, they have a whole bunch of different balloon animals. I'm gonna see if I can score one for Yip. Oh boy. What is this gigantic thing? A loved connection balloon animal. If you can see the heart.   That's hot. Okay. Realistically, we can't actually walk around with that heart-loved balloon. No, we cannot do that. So we're gonna get a different animal. There we are. Ah, yes. I like it a lot. I shall name them. What's the name? I haven't decided yet. Come back. Okay, we'll come back to that. I have decided on names. What's the names? Huffleup. And Luzel. You already know the names. Yes. And now we're gonna go into Caniche Flats. Conch? Conch? You got that right? It's the general store. Oh, it's the Caniche. Caniche. Wow, as soon as we walked in, a very nice purse. Nate said I could get something today. No, no, no, no. I didn't say she can get that. How much is that thing? 90. It's only $90? Yeah. Well, that's actually a pretty good deal. Behind the register, they have some very nice Disney showcase pieces. Look at this. A haunted mansion. The hitchhiking ghost. Pirates of the Caribbean. Gus Gus. Oh, Gus Gus and Remy. Wow. Oh, the Lion King one is pretty awesome. These are really neat. There's a name for these. Alkshore or something, shore? I don't know what they're called. Gym shore? Gym shore. Oh, very nice. Yes, they get a whole variety of pantry selections. Craft singles. You don't like those cheese though because they have a little plastic in between. I don't like plastic cheese. They also have some stofers, spaghetti and meatballs and some tater tots and tombstone pizza. Look at that. That journal is only $2.99. I mean, that's bad. Or the pizza is only $5.79. That's not a bad deal.  Why do you do two? I really like that ceiling fan. Look at the way it spins. The inner golet spins with the... The inner golet? What do you call it? I don't even know. But it's pretty nifty. And this is Olivia's. We're gonna be coming back to this because we're actually gonna be dining here a little bit later. Back outside now. Wow, that sun is really coming out. Holy moly. Look at how pretty it is with the lighthouse. I know. They do have a little nifty lounge slash bar. The Girling Suitcase. Very fun and very decorative in here. Different license plates and police department and fire department, badges. Here's a look at some of the menu of the Girling Suitcase.  Watermelon, margarita. It's a vibration. It's an alcoholic drink. Walk the plank. A whiskey breeze. Oh, a blue glow teeny. A lot of these are the same exact drinks at every single resort. But I think that each resort actually has one specific drink that's signature to that lounge. It's probably the fish taco drink. Oh, maybe the fish taco drink, yeah. And here is the old Key West signature drink. The Loaded Bloody Mary. Served with our premium Bloody Mary. It's made with Kettle One Vodka, bacon, shrimp, jumbo olive celery and lime.  Right next to the Girling Suitcase, they have goods, food to go. Basic stuff. Breakfast, ham and cheese. Then they got hot entrees, burgers, hot dogs, chicken nuggets. A flag for Italian sandwich. Huh, pretty nifty. What? Super pretzel. Who want a Mickey pretzel? Yeah, what's that about? Duly noted, this is definitely the smallest arcade on Disney property. Holy moly. They literally have a Fruit Ninja, a Miss Pac-Man, a Guitar Hero, Galica, Safari, and then a couple of topspin golfing things. This is literally the smallest. Wow. It's further than nothing. I guess so. This is something really nifty that a lot of resorts don't have. The Community Hall. They got a lot of interesting stuff in here. Let's take a peek. In the Community Hall, you can actually rent DVDs and movies that you can take back to your room and watch. Look at this, it's awesome. They even have new ones at the Avengers, Age of Ultron, Ant-Man. They have three different binders, full of different movies that you can actually rent and then return. Board games. This place is awesome. Candy Land. Wow. They have a coloring station that Yip has already dove right into. Who's a drawn Pluto? Coloring. They also have an indoor pool table. A sit-down area with the PlayStation 4 and a Nintendo switch. Wow. Yip's all done. Yes, it looks wonderful. I hope my dad likes it. Are you going to mail it to him? Yes, as soon as I get home. Inside the Community Hall, you can also rent the Surrey Bites, but you have to be 58 inches tall. Am I 58? No, she's kneeling down. Stand up now. You can pedal, good job. Two seat, $23.  A member of what? DVC. They also have the Rest Beach Recreation Department. And in here, it's a little bit of a gym. Oh, very nice gym. I just got hit by the door. It is a heavy door. Inside the Recreation Room, there's cool bikes that have a screen where it looks like you're bicycling through a town. For my whole life. Yes, they're very cool. Very fancy. I have found something pretty amazing over here. And this little box is probably one of the coolest things I've ever seen. Please enjoy our complimentary chilled towels. But, they are scented. Today's scent is sweet orange. Oh, man. I wish you could smell these. It's amazing. I can't wait to wipe my face. Oh my lord, this is amazing. What is it? Cool? It's a cool towel scented like oranges. Let me get a whiff. I love it. It reminds me of Soarin. That's great. They also have some complimentary chilled water with strawberry mint. Wow, that's probably some good good good water. But there's no cups. No cups don't. If I was staying at Old Key West I would stop in here every day. Grab one of these chilled towels and just right before I hit the parks, I'd be good all day. It feels so refreshing and I don't know, I just love it.  I really do. I was very very unsure at first but now I've decided. Now you see why I was so excited. These are the bees knees. Yes. Outside the rec room they do have a ping pong table, a foosball table. I'm not sure what that game is. If anybody knows the property for that game let me know because I've heard it before but I can't remember what it is. Chinese stars. They also have a basketball court, a shuffle board court, a tennis court. They have a lot a lot a lot of different activities here. It's pretty awesome. They also have a nice collection of hammocks on the volleyball court. I gotta get on one of these. I guess Yip's gonna hop on one first. Alright. You did great, you did great. You might want to position yourself a little bit better. Let me help. Like in the center. We have to go to dinner and look at you. Look at you. Okay master, let's see you get on it. It's pretty easy. I can't stand you.  Over by the river. Down by the river. Oh no, what did I start? Back to my home I dare not go. For if I do my mother will say birthday hammock eating a pancake down by the bay. And the cream of the crop. The sand castle pool. Beautiful pool. Beautiful area too. That's a water slide actually. Very nifty. We got a little kid splash area over here. A little kiddie pool with a whole bunch of sand castles surrounding it. I like it a lot. Smells very chlorine-ish. Towel overturn. Yup, and that's what's in the towel overturn bucket. I couldn't walk fast this without running back in and getting another scented orange towel. So I'm going back in. I grabbed one for Yip too. Brought you a towel. It's very refreshing, isn't it? Yes, yes. So now we need to get to our dinner reservation over at Olivia's. Yes. Some good old southern fried chicken. Is that what it is? Yeah. Okay, we made it to Olivia's time for a reservation. But I wanted to point out how cool that they have all these old photos of people vacationing here. If anybody's on this wall, let us know because I think that's so awesome. They have them all surrounding the restaurant. Just tons and tons of different pictures and memories. It's pretty amazing. I love the fans here in Olivia. Whoop. Whoop, I think we're in a boot. Hello. You got a fish above your head. And we have our two guests here. Oh yes, very good. So we're here at Olivia's and this is the menu. Normally what we always go for is the southern moist buttermilk chicken. It is pretty delicious actually. But they do have slow cooked prime rib. Plantation key pork chop. A grilled New York strip steak. Tortega seafood stew. Seven mile sea scallops. And a shrimp pasta and also the fish of the day. Very interesting. We both decided on getting the southern moist chicken. Moist. I know that word. The word that everybody doesn't like. But it is pretty amazing. It was a meal that we never forgot. Oh, we had it twice? We must have forgot the second time. Oh, I guess this is the third time. But we've come here just for that actually. Yeah. So I can't wait to show it to you guys. It's $20 a piece but we do get our real fastest count. Which I think is 15% right now. During certain times it is 20%. Which means it might be 10% or 20%. I don't know. But it's a pretty good deal Do you have bad news? Oh, I know. Half a lump of muzzle have turned into snakes. With tails. Snakes with tails. Wait, all snakes have tails. Snakes have tails. No, they don't.  I only do what's embarrassing. And there's me. This place is really cool and home and comfy. I like it a lot in here. Like the flower petal fans. Step right up folks. Are you going to do your magic trick? Magic trick here. How is that even happening? That's how it's happening. Bread service here is pineapple coconut rolls. With the sweet butter. They just tear apart. You didn't even try the sweet butter. You don't like butter though. How are they? They're amazing. Really? Oh my lord. Really? Yeah. I'm so happy you like it. Look how cool these petal fans are. They're rounded by a machine. Like a little pulley system. And it goes all the way down. Very awesome. Well dinner has arrived. Look at this. Biscuit, mashed potato, chicken, country gravy. And we were very excited to see that they had pasta on the menu. So they let us substitute our green beans for a side of Mickey Mouse pasta. Look at that. Isn't it so cute? It is cute. It is so cute. I cannot wait to dive into this beautiful dish. Look at how wonderful it is. Stacked and laced. Nate's turn to try it. Let us know how it is, Nate. I'm going to dive in to these little Mickey Mastas. Oh my lord, it's so good.  But whenever we're eating Disney food or at a Disney restaurant I literally take little bites because I just want to enjoy it so much more. Amazing. The biscuit, the chicken, the mashed potatoes, the gravy. I've already eaten my pasta. Yep. It's very tough to say what's so good about this chicken. The breading is crisp. The chicken is firm. It's delicious. Or the gravy, because the gravy is rich and flavorful. I'm not so much fan of the biscuit or the potatoes. The chicken is what does the trick. So the chicken is done. I tried to enjoy it as much as I could but it was too good without eating it. I don't know what to say. It's probably my favorite thing to eat in Disney World. I don't know why it just is what it is. But dessert menus came out so we're going to look to see what they got. Well, chicken is all done and now it's time for dessert. And they have quite a few selections. Banana bread pudding Sunday. My old marker zero. Flourless chocolate cake. Cheese cake. Keylon Tarts. And then a couple of cocktails. But we decided on the flourless chocolate cake. Look at that. Oh, look at the little blueberry hitting Mickey. I made that. Yes, you did. It looks pretty amazing though, doesn't it? Oh, I cannot wait to dive in this. We're going to share it though. It costs $8.25. I think the cheapest dessert is the Keylon Tarts but we decided to be a little fancy. All right. It is pretty amazing. It's squishy. It's squishy. It's delicious. I don't know what this sauce is but the sauce goes good with it. It's hungaloo-ish. I would pay $8.50 for that again. Okay, I think we're done. I actually had a lot of fun. Yes, and the dinner was great. It came to $46 for two meals, drinks, and a dessert. Which is not bad. No. With our annual past discount. Oh, well. Ross was our waiter. He was a great guy. And we love all Key West. So we hope you had a lot of fun. Love the life you live. Love the life you live. We'll see you next time. And if it's your first time watching. Oh, subscribe. You might like it. Bye-bye. Bye-bye.