Welcome everyone to the session is quality really everyone's responsibility the quality accountability conundrum by Deepak. Thank you. Hello everyone. My name is Deepak and today I'm going to present is quality really everyone's responsibility. There is this quality accountability conundrum which we regularly face as testers, so I'll throw some light on it. About me, I spent 2007 to 2012 five years in PTC and then around eight and a half years in Red Hat. I'm still working in Red Hat as a quality engineering manager. I'm also running a ministry of testing QE meter for Pune City. This is about me. I love psychology. I'm a bit of a psychology buff and I also love some comedy. I do memes and everything. So you'll probably have you'll probably notice that going forward in this. All right. So the thing I like to start with is that ambiguity responsibility a virgin is something which is very intrinsic to human nature. So for an example, when you buy a pack of potato wafers from outside, you see this sign light right this sign keep your city clean keeping our city clean is a universal truth. Right. Everyone should keep their city clean, but it and it is such a statement just like quality is everyone's responsibility that it does not mean that each one of us is intrinsically inclined to keep our city clean. Right. Unless that's why we have these signs that when you when you eat a pack of chips or wafers you have to throw that pack into a trash can and not throw that in a road. So they are clearly they clearly know that we won't be throwing the trash into a trash can. That's why that's why these symbols are there. And in an alternate example, if you remember back in the days we had this Selenium users Google group. Right. So what happened was back in, I think 2010 when somebody used to send a send a problem to Selenium users Google group. Who's responsibility do you think it was to reply to that person. Right. Nobody's it was everyone's responsibility who were part of that emailing list but eventually if you did not get if you sent out a request to that group and you did not get an answer for maybe two weeks then nobody was actually responsible for that right. So it was not something that you could actually expect people to respond because there was no responsibility there. They who who body whoever was responding to your questions was doing doing in good faith and trying to help you out but there is there is no concept of responsibility when when the whole responsibility is laid down on a group and there is no accountability principle. Nobody is going to hold me accountable for not responding to someone's request on Selenium user Google group or or any other maybe Stack Overflow or any other thing right. So the first thing we learn is that we as humans try to avoid responsibility as because it is very natural and evolutionary so we cannot do anything about it. The second thing is about quality when we talk about quality in a broader context of things. Quality is we have been interchangeingly using quality with testing even my job title is quality manager right but it's not actually quality of the software what we do is just a testing of the software not the overall quality quality is a huge term right. So Jerry Weinberg in back in I think 1940s gave the definition of quality as fit for use or something which provides value to someone. And that definition was then extended by other testing experts as value to someone who matters right this is the well this is the definition of quality in a software context. It's not it's not something which a test engineer can wholly and solely own right it has to be divided across the organization not just the engineering teams but across the organization. So in their book called people where I think Tori Moore mentioned mentioned that and remarked that quality might be equal to chocolate sauce on a Sunday right and it is totally stakeholder driven. So if your customers are demanding X amount of chocolate sauce you provide them X amount of chocolate sauce and if some customers like more chocolate sauce you give them more chocolate sauce and and eventually increase the cost as well. So if it was if it was not the case if it was not the case so I will give you a simple example of quality not related to success. So if you look at lot of lot of movies with glaring portholes that bad acting bad music and everything is still very successful but what can explain that our movies. If we think of movies and an analogy of softwares right our movies with bad acting bad story lines and everything bad about them every technical aspect is totally ridiculous and then still they go ahead and make. Millions at the box office why is that and what about how would you explain India's top selling cars right the Maruti cars. So if if you if you take any global crash test they they just fail spectacularly there and then if you look at the top 10 selling cars in India you will find top five of those spots are held by Maruti cars. So if I was let's say if Maruti also was a software and I was a testing engineer I'll punch its bonnet and tell my project manager that I don't think you can ship it right it's it just 0.2 mm of steel. It would be very dangerous for the users right I'll I'll try to become an obstructive tester not not getting that thing released into market which my my company already knows that is already a successful model right. They don't they don't need to test more quality into that product they know it is a successful product. So the point I'm trying to make is that overall quality of a product including software depends on lot of factors one is pricing right. What if you make a great software which is which has great accessibility very minute bugs and you have done almost all great things as a testing team but your company decides that they'll price it higher than their competitors and then it does not become so successful. What about your sales engineers and other marketing people they they did a poor job and now your software which was a great software does not work. What about after sale support consumption models what if your company is trying to sell a software as a five year five year. License model and not a very small bite size consumption model right there are multiple factors we decide the success and actually the quality of the software rather than testing. So the point I'm trying to make is that as testers we should not think that we are the safety net around the software and its quality. Okay so what did we learn so far a responsibility a virgin right members of a team are not instinctively inclined for quality accountability they are not nobody is not just software teams anybody in this world. If you tell me that this is a village or a city and its citizens are totally inclined as a group they are totally inclined and accountable I'll I'll I'll not believe in that. The second thing which we learned is that quality is relative great testing is not does not mean great quality because everything is not under a testers control your softwares pricing models and after sale support and lots of other stuff. The third thing is software development which most of us do right most of us do is not science 90% of the software which we create is not even high ticket is social software development. Sitting in a garage and creating Linux is high tech software development but using that Linux to write a Python script is not. Creating Kubernetes or Ansible is high tech but using Ansible playbooks to spawn a VM is not that is that is you are you are just making your life easy using existing tools and high tech technology. But to make sure that you are helping a business by providing them some functionality or features right. So based on based on all of this the burning question is in in burning question as you know what I mean words if quality is relative and value to someone how can tested find that out right. So we we think about shift left testing right we want to start early as early as people are trying to gather requirements and everything but is that is that the actual early we want to start or is can we go further left. So I call this I call this I want to take this platform to announce that there is a way to go further left. So you just don't shift left you shift extreme left. So if you are a flat or that you will probably fall down off the edge of the so left. So shift extreme left means you go to a point where you know that why on the earth is this company is my organization putting valuable resources and money and so much effort into creating a software are we replacing a human. Let's think about this platform right this platform on which we are doing this Selenium conference today. I think I haven't seen a platform like this ever before right so a group of people created this software for us right what were they doing. Were they replacing a monolithic software no were they replacing a legacy app no was it a completely new blue ocean idea. Yes probably I haven't seen because I haven't heard about any other conference platform like this and were they replacing a human. Yes because earlier in 2016 and 18 I used to go to a Mahesh lunch home in Bangalore and have lunch today I have to I have to cook my own lunch while using this software right. So yes we replaced human this software has replaced all human interaction in a physical way to a virtual way. But but that is the motive right you understand the strategy of the company who build this software. So you have to if you want to go extreme left you have to understand the strategy at organization level. Why is our company putting so much money and effort into this software at our department level if I am I am from an engineering department or maybe an R&D department. What is my department strategy where does this strategy fit into the my organization strategy. And what is my team strategy the very micro level strategy of my team and what is expected from my team. And once you start doing this because each one of you let's say you are in this. Three to five or three to seven years of experience doing testing and doing test automation solving x path versus CSS problems but five years down the line it's not going to remain the same right you have to grow in your roles and each one of you has to probably Probably go into more so go into to solve bigger problems than x path versus CSS right and the most amazing by product of understanding your company strategy and aligning your testing that strategy is that you automatically become very very sticky to the company's culture and companies growth that means your growth as well. So OCR is one model so I won't go into detail but I think as individuals OCR is something which is used in most of the organizations as a strategy communication versus focus tool. So think about try to find out what your OCRs are for your team for your department and for your company as well. And this is okay okay so this is the accountability model I'm talking about so as testers I I encourage you all to not be the obstructionist testers right you're not here to break the software in those technical terms. You are here to help software release on time by building a context of what quality means for your company and your customers right so this grid model is something which which I like which I like you all to read and probably implement at your end. So the summary what we learned today is that go to the root of the purpose of building a software right extreme left as I said. Build context to quality as I said testing is not equal to quality you need to you need to know where the fine line between quality and testing lies. If you are crossing that line then you will be termed as as a tester who is very obstructionist and does not help the team release the software on time right. As per the as per the grid model your job is just to recommend what can be the better quality measures for your software but not fight for them right you cannot fight for those. See it is it is you must have read in blogs and books it is a very common almost a conventional wisdom right now that a tester needs to be very persistent and needs to fight for its bugs and stuff like that. I think that is that is just ridiculous it should not be like that in a in a in an agile team. We should not think of ourselves as someone who is actually there to break the software or to stop the release because it does not meet my personal getting criteria right. So that you should align yourself to your team's purpose and not follow your separate purpose of quality. So the shared quality vision of your team including you must match what's the quality vision of your company is that is that is the golden golden area in which you want to stay as a tester. Thank you once again Deepak for your time and your wisdom with us.


Welcome to the AI for Good Global Summit 2018. My next guest is Anita Schaar. She's managing director of the Kenya office of Chimetrica. Thank you very much for joining us. Thank you for having me. So to start with, can you present the work of Chimetrica and your mission? Sure. Chimetrica is a social enterprise and it has bases in Nairobi, Addis, New York, Denver and Brunfield. And work focuses on four key service areas, monitoring and evaluation, custom software, large-scale surveys and simulation and modeling. Okay. And do you already work with AI projects? Yes, we do. And the reason why I'm here was to present the methods for extremely rapid observation of nutritional status, which is an AI-related project funded by the UNICEF Innovation Grant. Okay, so nutrition is a good example of how AI can be used as a force for good, isn't it? Absolutely. Yes, there are 2.6 million children, according to UNICEF, that die of malnutrition every year. And the thought of a hungry child is, of course, a very very sad reality. Okay, so tell me about the summit itself as a platform to meet other stakeholders and work together to find concrete applications of AI. I think the summit has been incredibly useful in understanding what other actors in this space are doing, how AI has been used for smarter cities, for health, for satellite imagery purposes. And also it's been interesting to hear the challenges that other agencies and actors are facing in terms of data collection, in terms of data commons and quality standards, which is some of the stuff that we grapple with to on a day-to-day basis. And it's important to discuss all the different aspects or outcomes linked to AI. I'm thinking of trust, for instance. That's an important thing to consider when developing AI solutions. Yes. So have you attended discussions around trust, for instance? I wasn't a part of the trust track yesterday, but it is something that we've grappled within the practical implementation of our facial recognition technology for nutrition detection in Kenya. Okay, well Anderson, thank you very much. Thank you.


We'll begin in just a couple of minutes with marketing and selling the Drupal commerce ecosystem Is anybody already doing that? Somebody like to come present in my stead We do have Drupal commerce users. Yeah, I mean some people are Yeah, what company are you? What is it? Okay, okay, great We're in complete modules. Yeah We're project pages that say that they are not covered by the security policy anymore Anybody else with experience in selling Drupal commerce at your agency. Yeah, okay Great You too. Yeah, what's your what's your win rates against magenta? Yeah, yeah, I can't even win pitching Drupal commerce in front of magenta as a connector right now, so They're challenges Anybody else Sean and no acro media. That's kind of your role there Nice Yeah, yeah Be part of its positioning Maybe making people fight on your battlefield instead of trying to go to theirs Anybody else it's Chris tights on you. I Know he's won a great retail operation. I don't see him. Okay. We can probably get started then I think that's two minutes and Notice how I how I turned from Problems to asking the one person in the audience. I knew had a good track record to kind of get us around to some positivity But the reason we are hosting this session That is non-technical Is because there are non-technical challenges in marketing and selling Drupal commerce Drupal is not traditionally or historically a very commerce centric community Although we've had e-commerce solutions since at least 2007. I think is when I released uber cart 1.0 But trying to think about taking Drupal Upmarket or really even just like out of the Drupal community to compete where merchants are typically going to find their solutions So for example, we went to IRCE earlier this year, which is the internet retailer convention in expo 15,000 people come through and hundreds of Exhibitors exhibit and it's just the phenomenally huge and busy and expensive conference But Drupal has never really been represented there until this year thanks to acro media kind of taking the lead on I'm doing that But that's where we commerce magento Shopify big commerce Volusion hybris demand where etc. Etc. That's where everybody else is. So what will it take for us to get there? And I understand like we're early stages, but I don't think that we are without our Key selling points obviously So just to recap on commerce guys today I'm commerce guys was founded in 2009 at Drupal con DC. I merged with a French team from AF 83 In 2010 we had a few rounds of intercapital raised there in France to support Drupal commerce But instead we pivoted basically and developed platform.sh Which is now the magento enterprise cloud just throw that out there so there's some success and In 2016 so last year February we split the company So instead of trying to do both a Drupal commerce focused business that really was what commerce guys was founded as And platform.sh under one banner Platform.sh basically continued on Renamed the company and then I spun commerce guys out to recreate it solely focused around Drupal commerce and trying to think again from From the start what is it that will make Drupal commerce really be a success and help folks like yourselves? Actually do business with Drupal commerce So the team today is seven people we have as our core maintenance team boyon and Matt who are in the rear Then we have Jonathan and Andrash on the team who do a lot of our consulting and also contribute to commerce One of that x2.x and dozens of contributed modules that we maintain And then you have Steven and Milan who are also in the room who are more partner management account management Operational support for the team including Milan who's really good at documentation apparently we did not anticipate that bringing him on board so We also know that it's not just the bugs. It's also the sparsity or the sparse documentation That's a problem. So we're beginning to kind of hire people who can help us address some of these known issues And then finally myself actually handed off my last direct Drupal commerce consulting project to Jonathan in July And so now I'm just in a business development slash business management role within commerce guys and then I still maintain commerce 1.x for Drupal 7 Because that's not the you know that the hot new work to work on so I'll take that on as long as I can And ideally Jonathan will help me out more and more So when we think about Drupal commerce, we usually describe it in the context of the Drupal contributed module space. So if we're trying to convince somebody to use Drupal commerce We might convince them to use a Drupal and say oh, yes And then there's a module for adding e-commerce functionality to the site that I'm building you And I think that like that's fair enough like that is what it is at its core It's a set of modules that empower any Drupal site to do e-commerce and that's it's worked alright You know there's over 50,000 stores that report into Drupal.org that they're using Drupal commerce 1.x and Drupal 7 right now And we saw a tremendous adoption through commerce kickstart 2.x, which was the sort of demonstration starter profile that we made And then that also helped raise awareness outside of the Drupal community because it actually had a name Which was an underappreciated fact whenever we chose the name Drupal commerce We were trying to closely align with Drupal and avoid a situation around trademark issues like I had with uberkart And however, that's counterproductive when you're trying to actually make a name for yourself in the marketplace to sound so generic So commerce kickstart actually gave us a bit of that market-facing You know potential to reach out beyond the Drupal community borders We also have of course Drupal commerce 2.x which just had a full release last week on Wednesday And we were super excited to have like release parties all around the world We got pictures from Pakistan from India from Germany from Finland from France from US and Canada and elsewhere of people who were celebrating with us the release of Drupal commerce 2.0 Because it really took dozens of agencies and hundreds of people's time over the last I guess two and a half years to three years to make it happen. So we're really excited about that And we don't want to discount that and there's already 1500 sites reporting in the Drupal org You know caveat of course being these are development and production environments not just live sites So you have to be a little more creative to determine You know what else is there and there is more to what Drupal commerce is and I'll come back to stats at the end of this Little bullet list so there's more when we think about Drupal commerce We need to think not just about a set of modules that I throw in a Drupal site And so then I'm really just trying to sell Drupal and hope the people understand I can meet their needs with this commerce thing We also need to think about the fact that Drupal commerce Is an ecosystem that includes hundreds of contributed modules that? Will integrate to different payment gateways fulfillment vendors marketing tools They add features and functionality to the core software like the ability to have split shipments or an address book card on file that kind of stuff So that that is kind of under the Drupal commerce umbrella, but I think we probably all kind of knew that I mean every one of those modules starts with the word commerce So it's pretty clear that these are all kind of one of the same thing Obviously as a core team we maintain Drupal commerce itself differently than we do most of these modules Whereas these modules for us tend to be things that as a project acquires it or somebody invests in the module through us We will work on it. I'm so like one point one company. I can call out as a dapped as I don't know if they're here or not But they had the inter flora dot DK project, which is an amazing E-commerce store using commerce 2.0 and back around January They funded an entire month of boy on time to develop the shipping suite of modules for commerce 2.x And it's much more capable and feature-rich than we had in 1.x Of course, we made some mistakes along the way. So we're trying to improve upon our previous attempt And with you know that kind of investment has been phenomenal for us So it's not just them also paypal and brain tree invested in the payment API in the core of 2.x Which made stored payment methods and tokenized form building solutions a lot more effective within Drupal commerce And so on and so forth. I could I could give too many examples But Drupal commerce is also a sales channel if you want if you will It's a platform for companies like Amazon pay who were co-presenting with here Authorized net on their own sponsors Drupal events paypal, etc. It's a platform for them to find merchants And so when these companies go to an event like IRCE their strategy is an integration strategy They want to be everywhere And ideally you're good enough or big enough that you can also be on their website And we do have that kind of a relationship with some folks They'll put a little Drupal commerce logo in a link to Drupal org right alongside of Shopify and big commerce as People that they integrate with and recommend for different types of e-commerce Of course, we're a much more generic abstract tools It's harder for them to really fit us into their understanding of the e-commerce landscape in general But it's at least beginning and it's something that we're beginning to improve upon and really invite these people to influence more of Drupal And not just Drupal commerce and Drupal commerce is also a collaboration of Dozens of agencies who are selling Drupal commerce into their local markets who are helping their customers understand how it works Why they might want to consider it? They're obviously building those contributed modules and payment gateway integrations themselves and these pictures here are the ones from our booth They're just examples of different agencies like 1x internet MD systems adapt blue spark acro media and others Who are helping to not just create the software, but also give us this this External market-facing perception of a large and healthy ecosystem Because I can promise that if the only company that ever talked about Drupal commerce was commerce guys Nobody would pay attention and I wouldn't expect them to Because that's just not that's just not how you build Market presence and share and and actually convince people to give you money to run their whole business in your online sales platform So without all of these things coming together We wouldn't be nearly as successful as we are today. I guess so there's about 50,000 sites There's over 60k that report in the Drupal dot org but if you look at the holidays you can see when all the All the development environments stop hitting cron as you can see the dip around December that lets you know Yes, there are development environments staging environments that report in but it's still tens of thousands of online stores and over one and a half billion dollars in annual transaction volume Of course the one number comes from Drupal dot org the other number the transaction volume is my attempt to extrapolate out the numbers from payment gateway reports So if I know that authorized net or PayPal or whoever else has a certain level of success with their merchants running Drupal commerce You can look at the percentage of our stores that use their modules extrapolated out And it's well well over one and a half billion dollars in gross annual transactions, and you may have seen recently I think Keith is in the room a case study for zikong fu which is a Chinese company that alone Almost doubles that number because they use it for every franchise of this fast food chain around China so There is furious business going through Drupal commerce and and it's still so funny to me to encounter people who Will just throw it out as well that can't scale. It's not just not transaction You can't get transaction volume with Drupal commerce And I would say that like some of the clients that we directly support, you know do well over a thousand concurrent transactions in the checkout form And you know hit peaks of you know 14,000 orders an hour and so on and so forth that we can share that kind of information with you to help you make the case But of course before we know what kind of information to distribute We kind of will need to begin to collect feedback from you about you know What what part of this story is your local market not getting and how can we equip you to? Present it more holistically to your potential customers prospects leads or you're the top of your sales funnel if you're here in the last session So one one of the things that I think about when I go to a pitch because I still do you know pitch commerce services I participate with other agencies who are selling Drupal commerce to try to help them win deals And you know ideally see that then turn into investment in Drupal commerce And you know oftentimes when we think about Drupal projects or Drupal sites in general We communicate this sort of like jack-of-all-trades Swiss Army knife. There's a module for that. Yes, we can build it There's nothing we can't do you know if I can't configure it with rules I can hook into this that and the other and make exactly what you want But the problem is that there's no inherent value in flexibility Because if somebody just needs a particular solution And you show up at their office and say well look I can do whatever you want That doesn't communicate anything to them at all And you know we've seen this before where we're merchants that we pitched to we we literally spent two weeks creating like a proof-of-concept for an international nonprofit that wanted localized Product listings and donation campaigns and Kickstarter like features we did it all and we showed up and we said cool Like this is what we can do for you You just will work with you to spec it out and we'll build exactly what you want and it will cost You know half what Magento was pitching because we had an inset line And they chose Magento because they wanted rails they wanted a solution in a paradigm and and somebody who said Somebody didn't just sit there and say well We can build whatever you want because they felt maybe threatened by that unlimited potential They now had to become e-commerce experts to even know what they wanted or you know Yeah, so they basically turn us down that was unfortunate kind of said at least one of our developers got a nice trip to Seattle out of it And that the other thing is that we then if we do win the project we can under serve Our customers under serve our merchants by not giving them boundaries and by not giving them Patterns that we expect them to fit into because we actually many of us in this room at least are e-commerce experts And maybe just by show of hands like are the people that have e-commerce industry experience outside of Drupal? Like do you have experience at a merchant or consulting or however else a few hands? Yeah and so That expertise of course as we again heard in the last session Is what people are buying when they come to us? They're not asking us can you do what? I want you to do with Drupal commerce all right So we have to try to think about talking about our value differently I was at IRCE in June review these websites for these different Platforms before coming in here and just consider it. Okay. What's what's their one-line pitch? How do they communicate about their value Shopify? Of course is a software as a service solution It starts at like forty nine dollars a month and goes up to a thousand dollars a month that they're enterprise tier and you basically get Like a Squarespace, you know level of functionality. So you get some light content management Kind of an uber cart level product data model that you have to manually create all your attributes and Manually inter skews and manage them in text fields all that kind of stuff But they just communicate this for like peace of mind from small to large will take care of you look We have five hundred templates for you to choose from you just plug in what you need and you can start selling tomorrow So that's Shopify and also as long as you use their payment gateway You don't have to pay merchant fees per transaction Root commerce is the WordPress solution for e-commerce. It's kind of the most equivalent to Drupal commerce of the field perhaps And and their pitch was really just we're the most customizable Which actually would say that's that's probably kind of a weak pitch because I know that flexibility has no inherent value And if that's your tagline, you're not actually speaking to merchants unless they're misguided Because the only merchants that really want customizability just don't know what they need Magento of course kind of does it all I actually think it's kind of funny that right now on magento's home page above the fold All it says is like, you know leaders in B2B commerce just funny, right? Because we don't really think about magento as a B2B solution But Oro commerce is fastly catching quickly catching up to them and we'll eat their lunch because they took all the smart guys from Magento and recreated the Oro platform And so now they're on the defensive against that but magento of course was previously the platform for growth They communicated to the merchants pocketbook join us so that we can scale with you and help you scale And then finally big commerce them has a real interesting pitch because they're all they're the kind of like the worst of These are experienced. They're the worst to integrate with you know They're just kind of the ugliest two of the solutions on the screen But they actually hit a real interesting note by saying sell with us through any channel So they're just targeting this omni-channel idea, you know right front and center on their home page But at the very least they've found ways to distill and communicate their value to the market And and the challenge that thing isn't coming upon us is to figure out. What is our message? And it will vary from market to market and ideally it would vary even from agency to agency as you consider the kind of merchant You actually want to target and develop an effective campaign that that basically Productizes or creates a solution that is based around Drupal commerce that you are selling but in order for you to get there Well, and and just to just to not be all Debbie Downer here. We do have clear advantages in certain areas clear advantages in content marketing The all of the other platforms are underdeveloped and you know content management with maybe the exception of we've commerce since their WordPress native The the typical use case for Magento is to put a content management system in front of it So for example Wilson the sporting goods company I believe is an aquia case study where they run Drupal 7 in front of Magento and just use links to tie you from the Drupal domain to a shop subdomain for checkout It kind of degrades the experience a little bit if you go check it out you see what I mean It's kind of jarring to get jumped to another domain But they've more or less thrown up their hands and saying like we just aren't going to be able to improve our content management capabilities So instead they've partnered with aquia and adobe and other content management vendors to just say look We'll do the commerce somebody else will take care of the content And so when you think about positioning Drupal against a Magento there are advantages You know to be to be discovered and to be you know keyed in on here So unique content marketing product merchandising effective campaigns, etc. Etc. But we also You know lead the other platforms in digital commerce our license management tools File management tools etc within Drupal are more advanced than any other of the base platforms so In order for us to like figure out where we bring our value and communicate that to our markets We do need to at least ensure that we're more productive with Drupal commerce Then we would be if we adopted another platform because otherwise if we're trying to build a legitimate e-commerce practice within our companies We should probably adopt another platform if it can't be at least as productive with Drupal commerce as I am with Magento Then maybe as a business decision you ought to make a different decision So that's that's where I see like the core challenge of us as core maintainers and developers of the Drupal commerce like framework the core project is to ensure that we are at least as productive as our competitors and also Help you then to communicate that what what's probably bad optics? To your market which is that with other platforms you might be more productive at the start of a project But as you go on your velocity will begin to degrade Because if you take a more robust solution like Magento and begin to customize it like different features start to break down You actually don't have as great of an interoperability among systems and plugins in these other platforms as you do within Drupal So in Drupal you may have a slower start may look like Bartik for the first sprint or two And then you eventually become prettier and prettier and more functional But I do think the reality is that later in the life of a project We are much more productive than our competitors and I say that based on my experience working alongside teams using Magento and demandware and other e-commerce systems and then finally We will we will take by necessity. Yeah You know the question was that that observation may hold true for a higher-end market But how do we translate that down market a little bit to small and medium-sized businesses? And and I'll say I probably don't really have time to answer that question in full right now But I do know that 1x internet if you find them around and talk to them They have experienced one with Orlo watches, which is an amazing case study And that's a large site multi-domain multi-region et cetera et cetera and that took them You know some months to develop we actually told them they couldn't do it and they beat our they beat our pessimism But on the other hand, they've also developed sites from start to finish in a week At the at the low end now a week is still a week You know if somebody is going to be happy with $50 a month and Shopify a week for most agencies It's still going to be like a five to ten thousand dollar project So, you know, I kind of depends on your particular customer, but I'm happy to dialogue about that after the session So we also will we'll take by necessity more curated targeted Selective approach in building our technology partner program So one of the things that I love that I RCE was that if you walked anywhere on the exposition exhibition floor like every booth had a Shopify snowboard in it and then the Shopify booth was a giant ski lodge and they Literally made it snow at various points in time throughout the convention But what they were communicating was we're everywhere Everybody here wants to be in our you know in our house and our team They've got our snowboards standing in their booth, which doesn't fit their theme or design at all But they were able to do that and so we can't be with everybody because we don't we don't have this This influx of people just like writing their own integrations and using the Drupal API is one It's just harder to work with the Drupal APIs than theirs But also we're just smaller 50k versus a quarter million like that's a that's a big difference So we're having to be more curated more selective in choosing our partners and ideally that will cover just a few select recommendations in various market segments For example, we're only integrating right now as commerce guys anyway It's not to say that anybody else can't do something else But we're only focusing our efforts on Avalara for sales tax calculation management reporting and remittance There are other solutions out there But we just don't have time to push them forward and help multiple people gain market share or help our merchants Choose from amongst multiple options for them. So we're just trying to narrow our focus So that we can better communicate value by having a paradigm or a pattern for people to follow Versus trying again to just focus on flexibility, which has no inherent value So to build a competitive ecosystem against our competitors that I've been naming The the things that we're actively doing right now and actively pursuing are one formalizing the technology partner program And then filling in gaps related to marketing security and fulfillment. We're pretty good on payment options Obviously, those are amongst the first to be integrated in every iteration of uberkart in Drupal Commerce But you know, we've only just begun talking with Mailchimp about what really ensuring that Mailchimp's Ecommerce solutions are integrated into Drupal Commerce looks like and there are other examples like that We're also going to formalize our an agency partner network through which we can distribute project information So for example commerce 2.0 release was the first time we ever put a date on a release, right? Is that not frustrating? We've never had release dates and targets. It's just been when it's ready Which is cool if you're just building a hobby, you know e-commerce project that you maybe will one day get serious about But it's not helpful for people who are depending on Release dates and roadmaps and key information and market insight to actually go and win projects Which then results in investment in the platform. So we're doing this We have just a mailing list right now called the Drupal Commerce back channel And if you'd like to be a part of that, I just invite you to find me afterwards It's both for agencies and for end-user teams as a company. We actually have more success ourselves Working with either, you know dedicated teams for a merchant within another agency or directly with a dedicated team Within a larger company. So we become the e-commerce expert the senior consultant And you know, we want to be pushing roadmap information market analysis gap analysis To any stakeholder within those organizations and you know, my focus will be on equipping sales and marketing And of course boy on focus will be on equipping technical.  You don't we have an out-of-date extensions directory, etc We will recreate that to have a more market-facing like value proposition and presentation. So Definitely invite feedback on that. That's the one that we haven't started yet You know, so these are in order of how much progress we've made But expect to see some changes there as we finish up our current design project Which is a default theme for Commerce 2 that will be releasing on Drupal.org soon. It's called Belgrade So in honor of boy on the lead developer for Commerce 2 So these are the things that we are doing to Both ourselves market and sell Drupal Commerce and the Drupal Commerce ecosystem and that we want to use to invite you into That you know that goal with us So feel free to find me after this session. I'm over at my booth, which is just cat a corner across the way If you'd like to know more you can also follow us on Twitter subscribe to our newsletter Or like I mentioned, you know come hit me up to be a part of the back channel and If I just miss something or really scoot something up horribly you can leave feedback in the Session review form for me, and I'll do better next time. Thanks for your time Yeah


Good morning everyone and welcome. This is Melissa Arma with the Stock Swishing and here reviewing Google and I'm going to review Amazon too. There were two option trades that I called on Friday and today They're both aggressively through the strikes and they were profitable trades If you had taken them and get out of them Friday or Monday, but today is the day that they're really running up This was almost $9 through the strike, which was 940 this morning in the pre-market So the pre-market was 94888 and the strike I called was 940 So this is a nice move up here for this and again, this is all happening here with the market The market looks like it's going to make a new holiday day So when you're in these trades, whether an option trades or day trades, but today we're talking about the options trades You want to time your exit really with the market and you have to know your goal Are you in this for a big move? Are you in it for a small move? Are you in it for a medium move? You have to be willing to let the trades play out if you're in them if you want to make more money with them Which is exactly what this did. So I had a feeling that this would run up a one more day here based on the way The stock closed yesterday on Monday and also the market too and the market's just screaming higher I mean we 100% retraced the sell-off from last week like it never even happened Which it basically never did as far as the market's concerned. So a really nice move up here in Google Nice profitable trade for people today Amazon here. This really looks like it's gonna fly. This really looks like it's gonna fly actually I call the 970 calls in this expiring Friday. So as of this morning, this is almost five dollars through the strike This looks like it's gonna break out. So this looks like a breakout play here in Amazon today This could be the big one 975 was one of the targets. It looks like it almost got there this morning. Let's see. Yeah, it almost did 21 cents up into it This could even go to 990 today. That's that's not even crazy So really really really nice moves in these stocks here really nice moves and Again, if you want to get a good move in something then you have to be willing to hold it If you are concerned when a trade takes too long to go then just get out the first move up But if you want a big move in something You got to be willing to give it a chance to let the trade play out and you have a certain money manager in walls as well Good luck everybody who did this today They're both gonna be good solid movers today along with the market. I think Amazon is really gonna go though I think that one's really gonna fly. So we'll see where they are later in the day and Have a great day everyone email me at Melissa the stocks wish calm if you would like to sign up for the options letter It's 2999 for the year and you got a lot of great calls like this Sometimes one of these trades will pay for the whole letter. Have a great day everyone


This week Leatherneck set to Rawa get all your tanks to shore captain Langer Yes, Major cannonball China girl Colorado Charlie and Condor all of C squadron got a short good Go in and blast anything and everything in your way. We've got a clear the beats for the men Yes, me captain well the lieutenant says the cannonballs radio was knocked out the hell with the radio Tell the squadron to get underway. We're going here. Yes Good luck Langer. Thank you Corporal yes, have you established radio contact with the blood ship? Yes Then inform the general that the first wave has landed on to Rawa and is advancing inland as per plan Resistance has been heavy and casualty severe This is Richard W. Johnston of the United Press speaking I was with that first wave of marine veterans to make a landing on to Rawa how any of us got a shore alive I'll never know Many of our landing boats were blown out of the water by the murderous fire of the Japanese land batteries Still firmly entrenched despite the most concentrated bombardment by our sea and air forces ever seen in this area The bay was filled with shattered men and machines But all along the shore I could see the battle-heartened Leathernecks many of them veterans of Guadalcanal Another Solomon sorties inching along on their bellies Blivious to the hot lead raining all about them many lay sprawled face down on the sands Never to rise again Enemy dead were everywhere. It was apparent from the start that it was going to be a battle of extermination. I Crawled inland a hundred yards or so to where major crow had set up temporary command headquarters Well Johnson, I hope you've brought a couple of empty typewriter schools with you to throw at the nips This place is a lousy with snipers. So that's why you're lugging that shotgun around I thought you might have fleshed a cover your quail back here They're back where I don't see anything Keep your eye on Daniel Boone See what I mean for you got him major. Look at that Jeff dangling from his harness and that coconut palm sure look around And you'll see a couple of more of them You're right one man army. Oh, this is push late stuff compared to what that tank squadron is doing farther inland You heard from Captain Langer and the rest. Yes, our radio picks them up on battle frequency But those big guns tell me all I want to know so that's what that is a tank cannon I noticed the sounds getting farther and farther away all the time. Yes sea squadron still advancing Well, let's go inside and see if we can tune in on them Corporal yes, sir you still get their signal. Yes, sir The China girl is trying to raise Captain Langer now sir. He can't the cannonballs radio has been knocked out But Captain Langer isn't in the cannonball anymore, sir While you were outside I heard him tell Lieutenant Bowser the cannonball took a shell and was knocked into a bomb crater He's transferred to the Colorado. Hmm. Well, turn that up a little and let's hear what they're saying Blue leader in China girl. I heard you talking to Colorado. What's the map reference? We'll take care of them you and China girl proceed according to plan am I understood good hunting to you all good luck Over and off. Oh, the boys are having a time of it Yes, Langer reported earlier that some of those Jap pillboxes have concrete walls 25 feet thick On top of that an equal thickness of coconut logs and coral No wonder our naval gun scenario bombs didn't blast them out. Nothing less than a direct hit would do that Well, what's the answer major? There's only one way to win and get them You mean Russia gun emplacement with fixed bayonets hardly hand grenades down the entrance would do it though But they'd never get near enough Langer's tanks good flame throwers good And that's the way it was done that plus some accurate bombing by our Navy and Air Force Which they were able to do with pinpoint precision Only because our men on the ground paid with their lives to hunt out the strong points and relay the information back I Made my way back to the beach where a temporary field hospital had been set up behind a sand barricade The only natural shelter on the whole Baron at all The place was swarming with our wounded and the medical men worked feverishly over them I set up my typewriter on an empty ammunition case and began typing out my notes Could I grab a buck for me buddy? Oh sure Mac here Where'd they get you I don't know exactly Feels like I'm sorting to better not try to talk doc will be along in a minute and fix you up Inside my tunic take it easy Mac letter Okay, okay. Hey doctor. Give me a hand here. Yes. Yes. What is it this man? He's He's dead Well, there's lots of others around here. I know Well, could you just set this on put a splint on it or something? I've got to get back I'm afraid of one armed officer wouldn't be much good out there lieutenant, but I've got to get back Let me care for the severely wounded first. Oh sure sure. I'm sorry doc Which outfit lieutenant? We're over on the left flank Trying to knock out that jab battery need up here. It's murder to let the second wave come in against that crossfire It'll be murder for us if they don't get here. Yeah, I guess you're right Sorry, I think the major has some plans for those babies. Oh, you've seen crow Did you ever see anything more terrific standing around getting orders and blasting jabs with a shotgun between Looks like your own men are pretty terrific lieutenant. Huh, the jab batteries quit You're right. The boys got them. They got them with those be our hell cats coming in for another pass. That's it Blowing close to the shore To join me in the slip-trench lieutenant was pleasant. Let me give you a hand I You know where I'd rather be this afternoon watching the Army Navy game now Donate Louise Louise Louis runs a little tavern in my neighborhood on the outskirts of Chicago. I did what you mean Wonder if the beer tastes as good as I remember I didn't know that Jap beer they captured back in the Solomon Oh, don't mention. I hope they're bruised better here to Rara where they're closer to home the beating This place is getting I don't think they'll be even a beer bottle that's old when it's over. Oh damn. They got me again In the chest something hit me in the chest. Could this be it? I'll be 50 caliber shell kicked out by one of our own planes Well, I hope it's bullets and a better mark and so it went for the next three days and nights Our casualties streamed in at an alarming rate at that beachhead hospital The Higgins landing boats continued to pour men ashore But it seemed to me they took back a larger number of wounded than the reinforcements they brought Yet one by one the enemy pillboxes were silenced and inch by inch those gallant weary Marines made their way across the t-shaped at all Mopping up on the morning of the fourth day. I happened by major crows command Hello Johnson. Oh still in one piece. I see yes, but from what I've seen these last few days I'd say you and I are the only ones of the original wave that are oh you're wrong there Remember our friends Langer and Bowser the Colorado and China girl.  I don't know how many enemy pillboxes and ammunition dumps to just generally roamed around raising the devil Oh, what do you know corporal? Yes, see if you can't get those tiny signals a little bit Boys seem to be in pretty good spirits after 72 hours straight that's incredible listen. They're talking again Looks like you're in the best position Quartz I've received Johnson. I'd say you're sitting in on that dragon's last stand on to Rava I hope so except burying the dead The Marines had captured to Rava, but they had paid the highest price in dead and wounded in the history of the Corps Of the three thousand odd who made the original assault all but about two hundred of them stained that Baron at all with their blood For about half that number their graves will be the shifting sands of that lonely pinpoint in the Pacific It was a terrible price to pay But it was their job and those Marines performed it bravely and unfinchingly To Rava was a little battle as battles go in these days of global war But as the symbol of the unquenchable spirit of free men everywhere It will live as long as man cherishes the right to walk with dignity unafraid Like Richard W. Johnston United Press war correspondents are on every battle front to bring you fast accurate and colorful Eyewitness stories of history in the making Armed only with their typewriters these veteran observers live with the troops and go into action with them That is why their dispatches reflect so faithfully the sound and fury of battle the actual conditions are fighting men face It is in tribute to our armed forces that we present these dramatized versions of on-the-scene stories by United Press correspondents We will bring you another thrilling story of these soldiers of the press soon Be sure to listen and listen for United Press news on the air Look for United Press dispatches in your favorite newspaper They are your guaranteed of the world's best coverage of the world's biggest news


You probably know that YouTube can be a career if you play your cards right, but it can be hard to get there. Today, Mike's coming at you with ways to turn YouTube views into dollar signs. What is up everyone? My name is Estie Mike and today we're going to talk about building your brand into a business. As we discussed before, it's not smart to rely solely on ad revenue to make a living. You should try to find ways to outsource your work to make extra money. The other day my friend Tim made a really good video that covers making your own revenue model to make extra money per view. It's titled How to Quickly Make 120 Times More Money on YouTube. Basically the gist of it, the average person makes $2.50 per thousand views, but if you convert 10% into sales, you can make much more than ad rev. If you'd like to see the full video, I'll link it in the description below. But this got me thinking about myself and what I'm doing. Tim's examples are great if you have a channel tailored towards selling stuff. However, some of our viewers aren't there to buy, they're just there to watch. So let's say we don't dream so high. Instead of converting 10% of the thousand views, let's say we can convert 1%. Which means one person for every thousand views buys something. And let's not make it a lot of money either, let's say it's simply $2.50 profit. If one person for every thousand views spends $2.50 on you, that means you have completely doubled your money. So by occasionally selling something, we're making twice as much money as we did before. So think about this and think about how it can apply to you. Whether you sell ebooks, graphics, music, or shirts, there's something out there for everyone. And if you personally don't have anything to sell, then you can look into a sponsor for your channel. Not a sponsor will give you free energy drinks every month, but a sponsor that will give you commission of the sales that you make. Typically the commission's about 10% to 15% per sale, which would normally add up to at least $2.50. By working with a company that you love and actually like the product of, then you can start doubling your money if not more.  But if this is something that complements your channel or you just simply plug in every so often, then it can actually work towards your favor. Now keep in mind you only have to convert one person out of 1,000 people to double your profits. So each extra sale you get or each extra penny you charge, you're going to start making more and more. So anyways guys that's it for me today, I hope this helped you start thinking about your brand differently. If you want to see more of my tips and tricks or extra ways to earn money while doing YouTube, you can click the link in the sidebar. Or if you want to see more of my videos on my personal channel, you can click the link in the description below.  But anyways guys, that's it. We'll see you next week. See ya. Impulse is produced by the Freedom Network. Ever wanted to earn revenue from your videos? Freedom offers a great partnership program which includes access to hundreds of thousands of audio tracks, sponsorships with great partners, and most importantly a no lock in contract. You can leave at any time for any reason. We accept everyone, both big and small. For more information click here or visit the link in the video description.


Hello and welcome to another analysis for Hedrox. I got a new microphone but I still didn't get all of the equipment that I want to have. So for now the microphone is on my desk and you might hear the sound of the fan and the typing of the keyboard is very loud. Sorry for that but I figured I would still make a video despite not having everything in place yet. Alright and I guess the audio quality is already a bit better. This week we will be looking at macro malware and I got three samples here and I didn't look into them before I recorded this video so let's be a bit surprised. I downloaded Oli Tools which is a great collection of tools to analyze macro malware and here are some of the tools of Python scripts so you need Python 2.7 for that. Alright let's try this open command here and I think the most important tool is Oli VBA because that will extract the macros of the file if there are any. So let me just drag some file in here that's the one starting with 988 and so in order to see all of it 988 lock we put it into a lockfire and now I suggest you set the language settings to visual basic that will work here and now you can see the macro of this file and you can already see that it's doing well I guess downloading something here that looks like part of an HTTP and well I guess that's the rest of it yeah yeah that's the HTTP here as safepick.su and then the well not sure which character this is and the rest of it that's where it's downloading something from so you might analyze the file that's downloaded this way okay let's take a look at the other samples okay so Python Oli VBA and 244 sample 244 no macros found interesting well we might take a look into this later maybe it's okay and and the missing one is the 4AD something okay that's here and there's another macro now you all have all of the modules in one place here and the nice thing about this tool is in the end you have a table with the most relevant things that it found there like suspicious things you might want to look at and if you use minus-minus decode you can even decode any hex strings in here which is nice so you might just repeat that with with the minus-minus decode option where's the button I don't find it minus minus decode and then then that's the 4AD yes please replace it yes we loaded and there you see the strings now in the maybe decoded form but it doesn't look very useful is the way it's here now okay here internet read file space 64 so it does it does something we don't know yet what it is okay there's a stop function and I guess it returns a string yeah that's a string and the stop function is used for these for instance for these variables create object stop with this this is that's it's decoding this so so let's let's decode this all right I want to know what's what these mean so I also need all that might also be some kind of key and these are I don't know other values so because this stop function takes two values and usually one is a key and one is a string to decode or decode okay for that I like to use Excel and create a new sheet and then you have to turn on the option for developing to for that to add a developers tab so let's see where that is okay options I guess and customize a ribbon there's a developer checkmark okay and now we have a tab for developer so that means you can create macros and let's insert a button and view code all right now we got a code editor here and we may use that for writing some or decrypting some things we found in here for instance this so let's copy this in here this returns a string don't go away with that so let's say a 2 is that the stop function is here I'm not sure if this works let's just run it now where's the sheet okay this is design mode I think please just turn it off yeah enough a process compile error so there's some mismatch of course I didn't set these values which is kind of stupid so the first one was this the second one might be any of these I guess so just copy and paste them and then there it is that's a decoded string now scripting file system object and it puts this up and clicking on the button it puts this into a 2 of the worksheet and you can do the same for the other strings you want to decode which is quite nice so let's put this into 4 and we copy this instead of the other one and I guess those are worth looking at as well and there is there's a download for the file that it downloads that's a macro malware downloader so it will download this and then execute it interesting now these are still missing let's see where they are used also here the stop function of course and here's also an open command so I believe that's indeed the way it is and also the these functions they they tell you that there's some internet connection and you all open so okay let's also check these I just overwrite it and this one and there's the rest of it I guess that's then the name for the dropped matter file or maybe in the temp folder or somewhere we could check that that's this one where it's used and that's here so get special photos before that and that's the constant 2 and now you might have to look it up like that's a constant that stands maybe for temp or something similar so you have to look up the specification of get special folder on the internet to do that yeah so that's actually it I that's all I wanted to show you how you can use Excel to deopfuscate some macro matter and how you can use only tools to get the don't say to get the contained VBA code alright then there was some this one here there was no macro found I don't know what's up with it but I told you I didn't look into them before maybe there is no macro could be that this is a clean file and I didn't but that looks that doesn't look clean right okay that's like the evil is staring into my eye I don't know what that is so why it says it can't find any macros because it somehow is to execute that stuff but I just by seeing this you will also realize even if you cannot extract anything from it using certain tools it's worth opening in the hex editor and just to look into the file and sometimes you might find macros in there you can clearly see that there are some and sometimes I just might not be referenced or something else is wrong so that the tools may be buggy you never know so usually you can see the code or parts of it that will kind of be usually it's not that clear as it is here but but a bit weird and but still you can you can make sense of out of it and the hex editor so okay that's already everything for today I hope the next time the audio will be even better I'm not sure yet okay thank you for watching see you next week I hope so bye bye


It's the breakfast and plus CV Africa. We look at the illegal charges and customer deficits known in January 2020, lawmakers in the bid to stop the indiscriminate imposition of charges by banks. The Central Bank of Nigeria issued a guide to charges by banks or the financial institution and non-bank financial institution stating the approved charges to be imposed by the DMBs. The House is concerned that despite the guide issued by the CBN, some banks still deduct outrageous amount of money from customers and the guys of bank charges with different descriptions. Now the deductions are already covered by this Central Bank of Nigeria, approved monthly amount maintenance fee, mounting to double deductions over time. Now in February 2020, 26 to be precise, the House resolved to investigate illegal and excessive charges being imposed on account holders by deposit money banks and banks as well. The House of Representatives on Wednesday, just yesterday, mandated its committee on banking and currency to investigate the alleged excessive charges on banks' transaction imposed by this deficit money banks, also known as commercial banks in Nigeria. Meanwhile, in August 2021, the Central Bank of Nigeria has disclosed at the time that so far they recovered 89.2 billionaire excess and illegal charges slammed on customers by banks in Nigeria. We do have a guest joining the conversation this morning. He's a financial analyst and expert. Shagun Shropitan is good to have you join us this morning. So let's get straight to it. How can one identify these illegal charges that has been mentioned? A lot of persons are not in the know. I mean, I will take myself for an example. So you see some charges, maybe sometimes you do pay attention to it. But how can you identify that banks are making illegal charges from your account? Right. I think it's important to say that using the word illegal might be a stretch. I'm not very sure that any bank would, you know, remember that the banks are licensed by the CBN and they are regulated. And they are, you know, the banking sector is one of the most regulated sectors in most economies and Nigeria is not an exception. So to say that there are illegal bank charges might be to stretch what may be happening in some banks to a certain degree. What you might have, though, is banks perhaps pushing the limits of what maybe the bank has tariff has stipulated as acceptable charges for the various services that the banks render. And in some cases, maybe charging an above market for interest rates, you know, and things like that. Some of the examples that the honorable representatives cited are not illegal. You know, so I think that the public, the banking industry needs to do a bit more public enlightenment and explanation so that people will understand what's going on with their accounts. But that's not to say that some funny stuff don't happen. So we shouldn't call it illegal because we're trying not to say, because I mean, if you we laid a background now and following that background, there was an investigation that was made in 2021. And of course, you have the CBN saying they recovered 89.2 billion error. This way legal, you know, charges that were put out. Maybe we're just having a problem with the word illegal. But what is not, if you have the CBN giving a guide as to what should be deducted and if you act otherwise, how do you classify that particular action? We've had cases where people say that they actually carried transaction. And then they find that 9,500 different amounts and figures. And the reason why this investigation is going on, it's because the outcry has been ongoing for a long time. Now looking at the background as well, you also want to agree with me that this is not the first time that the House of Representative or the lawmakers are asking for probe and investigation. And so right now the question would be to what extent is this? But the truth is, if there's a guide to as to, you know, the regulation and how much is desorption should be made. And this banks are acting contrary to that. Then it is illegal. Well, so one of the things, for example, that some consultants do is to help ordinary Nigerians corporate or individual bank customers to check transactions on their accounts and determine if there have been excess bank charges. Now, no, excess, not illegal. So that's the thing, that's just the difference I'm trying to make. So when you say it's illegal, it sounds as if the banks are committed a crime. No, they are well within their right to charge for the services that they render. But, you know, those charges must be commensurate, you know, proportional to the quantum of service that they render to the customer. So there are situations where I think the easiest example will be interest charges on debit balances in account. Now, I say debit balances because sometimes some customers account would go into debit negative balances without that customer necessarily having an official approved and accepted facility loan on that account. Now, when that happens, the bank has a lot of leeway as to what they charge. So some banks would apply something, they call it default rates and it can be as high as 1%, 1% maybe per day or 1% flat, you know, they just determine what they want to do. So what the professional, you know, auditors, financial consultants will do for you is to look into those types of charges and then communicate with the banks and show them what the bank has started, if a set is acceptable, you know, and then you can take the conversation on from there. So yes, there are quite a number of charges that happen on bank accounts that can be contested. And I think that is the point that needs to be made rather than probing and trying to paint the scenario as being one where something criminal or illegal, you know, is going on. I don't think the public good is being served, you know, with that narrative. I think the correct narrative is to say to people, you have to be vigilant, like every other thing that you do. Look, this is your money, you work hard for it. So when you spend it through a bank, scrutinize your bank statements, make it just a habit at the end of each month, except if, you know, you ask maybe you're the turnover, the money that you're moving through your account is, you know, not particularly significant.  And some of them might not be legal, but you should ask questions. Because sometimes you ask those questions and you find that, you know, maybe those charges were not justified and they can be reversed. Okay, Mr. Shopito, are you, it seems you're saying that these are not to be classified as illegal because the, are you saying because it's a guide, a guide from the central bank, not necessary any law that should make this illegal. And also, let's look at the fact that the guide was created in 2004, updated in 2013, 2017, and now the current one, which is 2020. And you have, you know, a lot of things setting like inflation, devaluation and all that depreciation of the Nairas as against the US dollar. And are these factors that should have been considered by the National Assembly in the Central Bank of Nigeria in trying to address the issue in 2022? Absolutely. So, look, I can't overemphasize this. There's a bank tariff and I can tell you for free that no bank dares, they don't dare, they don't dare go outside of what is stipulated in that document and start applying arbitrary charges on accounts. If that happens and a customer reports that situation to the Consumer Protection Department, the CPD of the Central Bank, the bank will be penalized. The bank will refold that money and they will pay penalty. And sometimes, you know, they get threatened with even as far as license, you know, like license suspension and that kind of stuff. If it's a serious enough offense, you know, so, you know, I think our politicians sometimes just play to the gallery with these things. Honestly, I don't think they're doing the public any good. Let's educate the public. Let's get everybody to be vigilant to protect their money. And so before we ended, you know, because we're about to end it. So I'm wondering if there's anywhere that stipulates that 9,500 should be charged on a particular transaction or 10,000 error when you're making transaction on your apps. I'm just I'm just really trying to say because you already the way you're putting it, it sounds like maybe Nigerians, that has never happened. Maybe it's just a story because we know that, you know, they put out the rates and say for a certain amount, 15 error, you have 100 narrow, you have 20 narrow, depending on, you know, the amount of transaction that you're being, you're carrying out. But we have seen this outcry and it's not one and including the lawmakers themselves. I mean, so it wouldn't the lawmakers themselves in this recent investigation and panel and query that they have asked, that they're asking that you should be carried out. They also have experienced it as well. So it's not just the fact that people are just coming to just say, we understand that there are charges. But how do you explain the fact that you're being charged 50,000, you wake up and see 20,000 out of your account? How do you explain all of that? Exactly. I mean, that's the point. That's the precise point I'm trying to make. The point I'm trying to make is when you see those charges, ask questions. Just, you know, a lot of us don't complain. Write a letter to your bank and copy CPD at CBN.gov. CPD at CBN.gov. It's an email address. And I tell you that that email address is very well run by the central bank. You get a response almost immediately. You get a response. So if you see a charge that you don't understand, just complain. Just send an email to your bank, right? Copy the CPD if you like. Copy the Federal Consumer Protection Council as well. You know, we don't do these things. And then we come to the public and we say that, you know, something funny has happened. When in truth, it's perhaps it's something that was legal. So what I'm saying, for example, people complain about the account maintenance charge.  First of all, those things are. We're sorry. We'll have to pull the plugs at this time, Mr. Shepard. I'm really sorry. But you've given us fantastic analysis so far. We hope to have you again because this issue is still fresh and there's a lot more to talk about. We appreciate your time. It's always a pleasure. Thanks for having me. Well, and it's time to call it a wrap on the breakfast on Plus TV Africa. It's been a really, really interesting edition of the program today. Definitely. If you missed out on any part of the conversation, it's all right to follow us on Facebook, Twitter and Instagram with Plus TV Africa and Plus TV Africa Lifestyle. Many thanks for watching. I am Merci Boko. And I'm Kofi Bartels. We'll return tomorrow morning. But please stay with Plus TV because we have more ahead.


Doctors are trained to lie and they get away with it. Welcome back to the channel, everybody. For those of you who are new around here, my name is Michael, aka Dr. Chalene. I'm a board certified diagnostic and interventional radiologist. As usual, I've come across yet another interesting slash provocative article that I want to share with you all. This article talks about 10 ways doctors are trained to lie and why they do it. I'm curious to see what this author, Pamela Weibel has to say about this. So let's go ahead and get on into it. Let's go. Okay, so like I said, this article talks about 10 ways that doctors lie. My goal of this video is to talk about those 10 reasons why doctors lie and then give you the real deal on each one of those. I'll tell you if it's legit, sort of legit, not true at all. And as usual, I'll sprinkle my wisdom along the way. And by the way, I'll have a link to this article in the description box below. So let's get into the first way doctors lie. Number one, doctors lie about work hours. Okay, so she's coming in hot off the jump here. And unfortunately, I'm going to have to agree with her. We do lie about work hours, but it's for a good reason. You see, in residency, we can't work more than 80 hours a week averaged over a few weeks. The catch here is the averaged over four weeks part. So you can work 100 hours one week, 70 hours the next week, 100 hours the next week, and then 30 or 40 hours the next week. As long as it averages 80 hours a week, you're golden. And we have to document our duty hours every single week in residency. But just because we document them doesn't mean we document them truthfully. The problem is that in medicine, most residencies are designed for the residents to work over 80 hours per week with the exception of dermatology or even radiology. And sometimes certain fields may work longer than 80 hours like to say surgery. They may work 100 hours per week, every single week in residency. But even though we are working longer than 80 hours a week, we still lie about it. And there are multiple reasons for this. For one, a lot of residency programs are designed this way and they're designed to functions with residents working a lot of hours. I'm not saying this is a good thing, but it happens. Two, you lie about your work hours because you don't want your program to get in trouble. If you start having duty hour violations over and over, the higher ups will kind of take notice and maybe audit your program. They may even place your program on probation. And if your program continues to violate duty work hour restrictions, then the program may close completely, which obviously means you don't have a residency anymore. And also your program's reputation could be tarnished, which means now ultimately your CV is tarnished, which is why this whole process is messed up and that's why we lie on our work hours. In fact, a lot of us are even told to lie on our work hours during residency. Off the record, of course. The second way doctors lie is that they lie on medical records. I'm listening. The article states here that rushed visits lead doctors to falsify records by checking items in EMR that were never done. For example, like writing within normal limits or WNL for a physical exam finding. And the joke of this article is that the WNL stands for we never looked. I've never actually heard that before. But realistically, how can you complete a physical exam within the 15 minutes you're allowed to spend with patients since we are constantly moving patients in and out of the office in order to meet demands? Well, the short answer is you don't. So a lot of doctors will just kind of fudge the physical exam because you don't have time to do a full physical exam, but you have to do a full physical exam in order to bill for the visit. But you also don't always have to do a full physical exam depending on the visit, which is why doctors kind of fudge it. It's a weird thing. It's just documentation stuff.  And if you say that you did and you didn't, that's technically fraud. I'm just saying it happens. And this article is saying it as well. And again, the reason why doctors are taking these shortcuts is because of the increased demands placed on them. So like I said, I do actually agree with this one that doctors do lie on the medical records, especially on physical exams, but I definitely don't think you should do it. Document what you actually do and do your physical exam. The number three thing doctors lie on is billing. Oh man, these just keep getting better, huh? Let's read what the author has here. Packing medical records with items never done allows for up coding to higher level visits and increased reimbursements, plus productivity income. We had lectures in our hospital on how to code properly to basically commit insurance fraud. Doctors who lie get paid more and worth less. This is kind of similar to the whole not charting your physical exam thing that we just talked about. However, up coding in line about the patient visit is certainly a little fraudulent to say the least. And if you don't know what up coding is, it's basically like how you can up code a charge on a patient's visit depending on how complicated it was or how long you spent with the patient discussing the procedure or their medical course. I'm not going to go too much into the weeds on this because to be transparent, I don't really do this kind of stuff because we just don't do that in radiology. I don't bill for my time based on how much time I spend with patients. I don't see patients in a clinic so this doesn't really apply to me and that's why I don't know a lot about it. But there is a science about how to bill and how to code correctly for your patient interactions but you definitely shouldn't lie about it because that's fraud. Is the little extra coin you get from fraudulently documenting worth it? Most certainly not. You worked way too hard for this. The number four way doctors lie is on their residency evaluations. Ooh, this is oh so true. Let's see what the article says about this. After we complained about working conditions, we are coached on how to respond on our proctor survey so our program would not lose accreditation. I know this is illegal. If I refuse to comply, I risk retaliation. This is pretty accurate and this kind of goes with the previous lies. Here's the problem. Again, we are grading our program. Any bad grade or negative remark that we put on our residency survey will be scrutinized by the graduate medical education committee and if the accusations are harsh enough, they may put the program on probation or risk accreditation altogether. So who wants their program to lose accreditation? Obviously nobody because again, like we talked about, your CV. Do we want to have an asterisk by our program that it lost accreditation or be known as going to a program that lost their accreditation? It looks bad on you, the doctor. Which is why this is one of those unwritten things in medicine where we don't mention the negatives about our program. We just don't talk about it.  And I would like to reiterate here, this is not how it should be.  Another dead-on statement. Physicians lie on applications for hospital credentialing and medical board licensing when asked about mental health status or other mental health conditions. It's almost like physicians aren't allowed to get psychiatric help if they need it because obtaining a license afterwards would be so challenging. The article mentions one doctor encounter. After reading about one woman's journey through hell after being honest on application questions, I sought care an hour away. I drove an hour in the other direction to nervously fill prescriptions for antidepressants. I required several meds to stop thinking about suicide all day every day. My suicidal thoughts were 100% of my work. This is insane. And this is one of those underlying reasons why a lot of physicians have issues and there's a high suicide rate amongst physicians. Because if we do mention it or do talk about it, it just makes our lives more challenging for licensing and so on. So why even talk about it? Just shove it under the rug. Maybe it'll go away, which is the absolute opposite of what you should do. But really though, are physicians not allowed to have mental health conditions? Are they supposed to hide it? The good thing though is people like my friend, Dr. Jay Goodman, who is a psychiatry resident is pushing this whole normalization of physicians taking antidepressants or approaching their mental health head on. And you may have seen them on TikTok or Instagram and all that stuff. But realistically though, physicians are human. The last thing we need to do is force our docs to hide their mental illnesses because they are fearful that the medical licensing board will find out. The number six way doctors lie is about their own self-confidence. Per the author, we live in a faked till you make it culture and medicine. New doctors are practicing medicine with poor supervision and poor teaching and then pretend to have all the answers. The author states here that I watched colleagues often act and speak very confidently even when they didn't know what they were talking about. And I somewhat agree with this. I have actually seen this. I do think the faked till you make it type culture exists in medical training, but the extent of this culture depends on your residency itself. And it also depends on your mentors if you go to a good program, you get excellent supervision and even better teaching. If you go to a lower tier program, you may not get as good of supervision or training. But the thing though in medicine is that there is some component of doing. You can only be taught so much without actually applying it. You have to actually do things to put your learning into practice. But I can see though, if you don't have good training or good supervision, you can kind of fall into that whole faked till you make it type trap because really you have no other choice. I also think that the best thing a doctor can do is admit when they don't know things. If my patient asks me a question that I don't know, I tell them I don't know. We aren't expected to have the answers for everything. So there's no point in confidently lying to convince the patient that you have the answer when you don't. It's okay to say you don't know. Medicine is way too vast to know everything. Number seven way doctors lie is doctors lie to patients. Uh oh, let's see what this is all about. The author gives an example here that when Medicare covers a procedure, suddenly more beneficiaries need the intervention. She goes on to say that financial incentives lead to excess surgeries without informed consent. Now I don't really understand this part. I haven't really encountered doctors lying about patient needing surgery or procedure when they don't or they don't have an indication for it. And if a procedure gets covered by Medicare, it doesn't mean I'm just going to try and do more of them or even hunt them down. I actually don't really care if a procedure is covered by Medicare or not. I'll do a procedure if it's clinically indicated but I'm not gonna do it if it's not. It doesn't matter if Medicare covers it or not. The thing here is the demand for the procedure does not change whether or not the reimbursement is there. But I do kind of see where she's coming from because I've heard from other people that certain doctors will go after patients and do procedures that aren't really indicated just to get a few bucks. But I think that kind of exists everywhere. Think of like a mechanic who may charge you for an air filter or something when you don't need it. Everyone's just out there trying to upcharge you if you're not educated on the topic. Again, I'm not saying that's the right thing to do and I don't do it but clearly it happens. The eighth way doctors lie is doctors lie to other doctors. This is very fitting given my last video where the author here gives an example how doctors embellish their personal statements and their CV. But doesn't everybody embellish their resume or job applications? Doctors also boast to other doctors that they don't study when they actually do. I think we all experienced someone like that in medical school. We lie to the future generation of doctors telling them that it gets better as an attending. Well, that part is pretty true. I don't know why the author put that in there. And then she goes on to mention that here's the biggest lie doctors tell other doctors. The doctor asks, how are you doing? Doctor replies, good. And then dies by suicide shortly thereafter. And this took a really dark turn. And at first I thought this was kind of a disgruntled burnt out doctor who just hates medicine altogether. But I looked up what kind of doctor she is and she is a retired family medicine doctor which makes sense on the whole burnout thing because working in family medicine for years and years could burn anybody out. But now that she's retired, she's an activist and helps with medical student and physician suicide awareness and prevention which is a good thing. So this whole dark turn here starts to make a little more sense now. Okay, let's move on to number nine. The number nine way doctors lie is they lie to themselves. She states here that we conceal dependencies and addictions and we are masterminds in disguise. Fates smiling, happy to med students and happy doctors that die by suicide at alarming rates. So again, I can see why she talks about this more and more. Like I mentioned on prior videos we tend to put our own health behind others. We are super busy, we have minimal time outside of work especially during training.  And more importantly, we avoid our own personal wellbeing. This can take a toll on anybody and it very much does so with physicians which is why the author keeps bringing up the suicide issue facing our career. I can't stress the importance of how much it means to take care of yourself before taking care of other patients. If you are not healthy and at your best it is impossible to take care of your patients with the best of your ability. This is why I always stress doing something outside of medicine, finding a hobby, traveling when you have time off just getting out of town. One of the only ways to stay sane in this business is to keep our minds off of work. The number 10 way doctors lie is they lie on death certificates. Not to one to lie, I did not see this one coming. The author states that doctors cover up suicides especially doctor suicides and they cover it up as accidents. They also cover up accidental overdoses on drugs they prescribe every single day. They lie to preserve the reputation of the deceased and sometimes they lie to preserve life insurance payout to the family which if you didn't know sometimes life insurance payout is dependent on the cause of death. A quick Google search here showed that life insurance policies usually cover suicide death as long as the policy was purchased in the last two to three years before the insurer died. But I think this is dependent on state and it's also dependent on the type of policy or how the policy is written. And I never knew this until reading this article. Okay, back to it. Apparently doctors lie to cover up suicides. I've actually never seen this or encountered this because as you can imagine, I don't really deal with this kind of stuff in my line of work. In fact, I've never actually seen a death certificate or someone write a death certificate. What's interesting though in this article they state that in England, a forensic pathologist could not label a death as a suicide unless there was a suicide note. So again, this is all news to me because I don't do this stuff but apparently doctors lie on death certificates. Now that we got that all the way why do doctors lie? And the article broke it down into three reasons. One, to avoid punishment. Two, self-preservation. Three, financial gain. There's always a financial gain in there with everything. Like anyone, doctors want to avoid punishment because they like to keep their job, their identity, ego, and money. And as we know, everybody can be incentivized by bribes and doctors are no different, unfortunately. There are bad apples in any line of work. And the author states that many doctors are conflict phobic people-pleasers who do not want to stray away from the narrative or risk being cold from the herd. That's an interesting way of kind of summarizing this whole article. However, we must be honest with ourselves first and foremost and only then can we be considered real healers. Okay, so that officially concludes this article. Let me know in the comments what you think about it. I'll leave a link to it in the description box below. As always, make sure you smash that like and subscribe and follow my Instagram and TikTok if you don't already. And of course, I'll see you all on the next video. Bye.