energy 808 the cutting edge and we're talking about electric vehicles the best and worst places in the country to own electric vehicles and thus that means that the places which incentivize them that's what we're really trying to get from Julianne Olander she's with bumper.com and bumper.com has made a report on this question of the best and the worst places to own to buy to use an electric vehicle. Welcome to the show Julianne. Thank you for having me at this date. Tell us about before we get to the report tell us about bumper.com. What do you guys do? Where are you? What are your activities and operations? Well bumper.com has an easy to access website and it's a great tool for plugging in the VIN number for a vehicle if you want to find out information about your own car and the maintenance schedule you can find out information about that if you're looking to buy a vehicle and want to get some background information on it find out if it's in any accidents or if there are any major red flags to look out for. Also great for if you're planning to sell your car trying to time you know looking at the current market value of it and trying to time the best the best opportunity is to sell your car. What's the relationship with the blue book? Do you have the blue book on or access to the blue book from your site? It has similar information you know accident records, theft records, any liens on the car, sales records so it's pretty it's pretty comprehensive and has a lot of information. You know I've seen a lot of ads on television over the past year maybe I wasn't watching before about companies in the United States that will A sell you a car including used cars online and B that will you know let you make those kinds of decisions you know what it's worth and whether it's been in accidents what the public record is on that car and see you know buying cars both sides of the issue and there's I would get so off hand of course my path maybe three or four of these companies and I surmise from that that there must be more action going on now about buying and selling cars outside of dealerships am I right? Yeah before and I was a you know it's a great time to be selling your used cars you get more you know now with supply chain issues and difficulty and you know waiting for a new car it's a great time to buy a new car and shop around. Why though why is now a great time is it because new cars are hard to come by because of the chip problem or what? Yeah I think newer cars are harder to come by their dealers are able to you know tack on higher higher prices right now it is a demand and but if you you know have a spare vehicle that's sitting around and you're looking to sell it at some point now might be a great time because the prices have probably never been higher on used cars. You get more now for it then you know you might when if people don't have an alternative you know if buying new cars not really going to work out for them at the moment that they need something right now then you're going to be trying to to use the others. Yeah strikes me also that over the past year year and a half my people have been locked in locked up locked locked down locked down at home they haven't spent as much on optional you know choices and especially big choices like cars so they avoid that at the same time they don't spend you know other regular items they stay at home and they eat they eat and they watch television and a lot of them do that and work and that's pretty much it they don't spend a lot of money so they've been accumulating money and I think if you look at you know the accumulation of savings over the past year for a lot of people not everybody but for a lot of people you find out that their bank account is flush and they're sitting around there wondering what to do with that money now that they believe and this may or may not be accurate they believe that we're coming out of COVID so I suspect and unlike your thought on it is that the reason that buying cars is popular right now is that people are they have the money they want to spend the money and a car is a great place to spend the money is that right I think some people certainly their bank accounts have benefited over the last couple of years but for others no it might be you know in recovery right now the financial recovery for for many many Americans but for those who have been fortunate to have steady work during the pandemic and have been able to reduce their expenditures you know not driving as much not spending you know in the hundreds of dollars in gas a month and being able to reduce other expenses like eating out for some people you know eating out might take a huge chunk of their budget so yeah certainly a portion of the population has um been able to save and um is optimistic about the future and might be ready to to make that purchase now yeah the other thing I wanted to ask you about was electric cars you know in Hawaii we we've been talking about electric cars I want to say that in a population of maybe a million cars which we love cars and who I love cars more than southern California that's the way to get around right um we you know we we we have I think 16 or maybe 17 000 electric electric cars as a percentage it's really not that many and we have a new initiative that the utility and the Hawaiian Electric just announced they want to put a lot of uh no charging stations I'm gonna say a lot it's not that many but it's more than we ever did before yeah right and so guess what I'm really asking you is how in a national way how how have electric cars been doing in general Katie can you comment on that um how have they been doing in terms of demand and and sales of her um well I know that in Hawaii um I think it's you know the demand has been increasing tremendously um far more than the infrastructure and so you definitely have a solid demand um and desire for electric vehicles um and um um you know you have the the base uh you know foundation of infrastructure and you've had a lot of growth in the past five years as well and it's great to see that you have more more planned growth which will double or triple the infrastructure um and so it's just a matter of I think the infrastructure being able to keep up with the demand demand has far out you know out increased the the existing infrastructure and so it'll just be important to try and get that is that up to speed in the state when you say infrastructure you mean charging stations charging stations yes and um not just charging stations but how many ports are on a charging station that's that's really important as well because you could have you know one charging station and one force so that means only one person can charge it at a time and the next person's got to wait an hour for that person to leave so the more reports you could put on a charging station obviously would be the more convenient for um for the drivers so you show us your your website you talked about the various things at bumper.com does and they're not all directly related to electric vehicles um but you have made a report you made a survey report done some investigations some analysis on electric cars around the country in order to rate the best and worst places in the country to own one and use one and buy one and so forth why did you do that why now why this report? Well we recognize that there is a growing demand and acceptance of electric vehicles that money is being poured into infrastructure in general right now and electric electric uh infrastructure is definitely is a part of that equation and so we were really interested in knowing well where's the best place to you know what are the top places of owning electric vehicle and which states you know have a lot more work to do to to get there and so Hawaii fell in the top 10 and um you know I looked at um a number of factors I realized the infrastructure was part of it in a very important part of it but also there's the incentives as well um people like to know what affects their pocket book directly um I can go into the different components of that if you oh yeah sure I'd like to know how you conducted the report and then we talk about the the conclusions you came to yeah what methodology what data did you collect and how did you collect it? Well I collected all publicly available data um some of it coming from like the alternative fuels data center where you can go and um put in your location and find out all the addresses of all the charging stations so if you're you know planning out your driving routes and you're going through a state that maybe doesn't have as many um you want to know exactly where those those are so you can plug that into your your GPS um in other areas that's not as important because you know you're going to come across them pretty frequently on your drive um so I looked at a number of factors not just the existing infrastructure but also um realizing that you know you can have existing infrastructure but what is the new growth which is really kind of measuring how accepting is that state of electric vehicles and providing easy access and convenience to the electric vehicle drivers so not just looking at the existing infrastructure but the growth in the infrastructure looking at how many ports are on the charging station which just makes it you know more convenient for drivers um looked at a number of um also to be you know the not just the relative ranking of um electric vehicles as a percentage of all motor vehicles in the state and so as you pointed out it's only about one percent in Hawaii but that's better than most other states in California ranks first but Hawaii's right there as well and so most other states it's way less than one percent so um and I think that's only going to grow for state by California Hawaii and others as well um then I also looked at a number of incentives so price of gas as an incentive for owning electric vehicle if gas is high in your state as it is in Hawaii just like in California um you know we have the highest gas prices in the country and but that's uh for electric vehicles that's a good thing because that you know is an incentive to consider alternative uh methods of transportation and um you know who likes to spend time lining up at the gas pump and you know should those lines of cost go can be pretty long um and you know you you see that price right away maybe fifty eighty dollars a hundred dollars depending on the size of your vehicle to fill up whereas um even though Hawaii has high electricity rates as California does as well um it costs about ninety five dollars to fill up your the charge of your car and go a thousand miles so while uh traditional you know gas power diesel power vehicle maybe it costs you ninety five dollars to go uh three hundred miles um you know it might be costing a nine ninety five dollars to drive a thousand miles on an electric vehicle in Hawaii so even though you have a higher price of electricity compared to other states like Louisiana has one of the least expensive um electricity rates um but yeah it's not necessarily a great place for electric vehicles right now because of other factors lacking charging stations for example so just trying to balance out these sets of factors and um creating a state ranking for each of them kind of adding up all those rankings and then re-ranking based on infrastructure and incentives and then creating an overall ranking that's where uh Hawaii came in at number ten something unpacked that uh some of that with you okay we had we had a state tax credit for um anyone who bought an electric vehicle until about I want to say three or four years ago maybe maybe around that and the legislature and its infinite wisdom terminated that and of course the number of cars electric vehicles sold in my in my observation of either when flatter decline for the lack of that incentive would that be would that be something that you would include in the metric as a metric or maybe a subjective metric on whether a state is a good place uh if somebody's going to give me you know several thousand dollars to buy the car I will be incentivized and I have not been because they terminated the credit yeah no that's uh that's a good point um I I looked at just the you know sheer number of incentives you know rebates and and credits and things like that but not the dollar value and that would definitely be something to look at uh for the future but it's also a measure that's changing for different states as he pointed out how I terminated that uh that rebate um and you know though while there is a federal uh tax credit um my understanding is that um is per manufacturer and once you know you reach sort of a threshold in teslas for example then there's no more of those uh tax rebates available for that particular manufacturer so to the next one but if you had your heart set on a tesla well you're out of luck for the um you know the federal tax credit so um yeah states I think overall could do better at incentivizing potential new buyers to to turn to electric instead yeah to me I mean it's a natural flaw it's it's a logic thing if you want to deal with climate change then you reduce fossil fuel and to reduce fossil fuel you have electric cars powered by electricity which is not generated by fossil fuel and you incentivize people to buy them then if I was king of the universe I would make this happen almost immediately I would have every because I know how much fossil fuel comes out of these cars is used by these cars how much greenhouse gas is generated then so if we really were serious around the globe like at cop 2026 in Glasgow we would find a way to make everybody get off fossil fuel in cars right now and for generation of electricity also and put them on electric cars but that hasn't happened and my next question to you is so in the build back better bill which is now pending in the senate you know it's like uh remember saint Sebastian in the bible uh where he was shot with arrows a million arrows I expect the build back better bill is going to look like saint Sebastian in a week or two with all kinds all kinds they're gonna they're gonna slice him up pretty good but in there you know being optimistic about it there's a credit for electric cars and charging stations too and I don't know the mechanics of how this money is going to be distributed state by state but is it fair to say that this will have a effect which is proportionate to the population of the state and therefore it will have essentially equal effect in all states do you know have you thought about that would that be in this report or the next one um it would be on the next report but yeah that is that's a very interesting concept to think about because yeah we don't know exactly how it's I don't know exactly how it's getting divided amongst the states and if um let's say for electric vehicle infrastructure is that getting divided amongst the states too or does that favor certain states over others which would definitely um play a role in you know re-rank states in a couple of years and see where we're at uh which is you know something we're definitely interested in doing is looking towards the future and seeing how things are how states are changing over time um but yeah that's a great it's a great point and um I don't really have a clear answer where those dollars are are going exactly and how they're being distributed amongst the states yeah right and how and how the states distribute them um among the people because not all states are as efficient as other states and some of them um are going to redirect the money to um other other places which are not necessarily intended by the federal legislation so um you know you would have to make if you wanted to you know get down to the detail on that you'd have to make a an evaluation of how how effective the state was in distributing the money for the purposes intended right each state might have different um you know needs as well some states really need to put it into roads because you know the roads are full of holes and to you know take it a beating from winter weather so different states might have different different priorities and how about money spent the other thing I was going to ask you about is um and it's been a subject of discussion for as long as Hawaii has been talking about electric cars and charging stations is the extraordinary difference in as an incentive of the low low voltage I guess I would call it the low voltage charging station versus the higher voltage charging station the one where I think a level level two or three or something that if you have the lower you know it has to be like for hours and hours which makes it difficult in a commercial setting if you have the higher that it's almost as fast not quite as filling your tank with gas or ps hydrogen but I just I wonder if that's a part of the metric here um well I looked at the overall number of charging stations you know that are our public stations so that includes level one level two and higher your level one is typically that's the charger that comes with your vehicle when you buy it the basic uh basic charger um it'll get the job done overnight but you know typically it's about you can just you know you plug it into a regular outlet but it gets about takes for one hour of charging I think it gets you four miles so but when you move up to level two is an upgrade and some companies I think are starting to offer level two chargers those are the ones that you know require a 40 amp circuit to plug it to so like your washer dryer at home that has that sort of problem and plug it in and that's a lot quicker so I think it's around maybe 32 miles when you're charging it for an hour I believe a lot of the and then commercial um the level three and level four you know higher higher levels those are not for home consumption those are not for you know uh residents those are more for commercial and industrial settings and require um different level you know a DC level of electricity so they're not suitable for the home so I think the little best you can do at home is invest in that level two charger which you know usually requires a you know licensed electrician to set up the you know hook up the electricity um properly but you'll get a much quicker much quicker charge the PS you have to have a an existing electrical system to support the the additional voltage that level two would require but I want to ask you something else about that and it's um this this you know why electric is putting in or is is seeking permission to put in it it's part of the utility rate payer you know initiatives that means that rate payers in general will will pay the cost of all these charging stations and I guess there are hundreds contemplated and I want to say that I may be inaccurate about this but roughly half of them are the lower voltage and the other half are the higher voltage in other words they're not all high but it seems to me and I'd be interested in your thought about this that if you wanted to give people some uh range anxiety comfort yeah okay you could give them the lower voltage and they'll be a little more comfortable about leaving their home and not worrying about getting stranded somewhere but if you wanted to give them an incentive to buy an electric vehicle you want to give them the highest possible voltage so they don't have to hang around for hours while it charges um they you know they would like a as near immediate a charge as possible and if I if as a reveal salesman I tell them that they'd be much more likely um if I tell them that you know we have hundreds of these stations going in not only will you be able to avoid range anxiety for psychological point of view but also you know you'll have immediate charge wherever you go be beautiful um what do you think um yeah I definitely think being able to provide a higher level charge makes sense and maybe that's uh you know an add-on package to purchasing the the vehicle will give you the lower level but you know you got to pay some extra if you want the the higher level charger but if you're able to plug into uh public uh charging station somewhere and maybe only you know pay a few dollars to to charge up um that's certainly very convenient as well and the more commercial and industrial uh charging stations are going to be you know it's going to be a lot quicker to charge up so that would be probably better for you anyways if you know unless you have a lot of time on your hands so they will be able to charge up it's you want to do it as quickly as possible while you're running errands your grocery shopping it's nice to know hey I can grocery shop for 20 minutes and stand in line for five minutes and come out and my car's charged up and I can worry about it for a couple of days or you know depending on how much driving you do if you don't do very much driving maybe you don't have to worry about it to the next week but um yeah you you mentioned before that uh you take a look at the locations of these charging stations if I put the charge and some people have talked about this but put the charging station at a gas station okay which seems like a rational logical place to put it um that may be a bit of a distance from say a shopping center may not may not be that close and I may be sitting there in my car waiting for a long time before it's charged but if I if I put it you know in some reserved stalls in a shopping center and some people have done this in Hawaii then I could go shopping in fact it helps the economy yeah that's true the great point yeah I mean it's interesting yeah you are seeing them going more at more in shopping centers and commercial areas because it makes complete sense to do that I think gas stations make sense when people are you know going on longer trips so maybe you know at the major stops where people are fueling up anyways getting some a food you know taking a food break you know stretching their legs on a trip it makes sense to have charging stations at those locations where people would be stopping for you know those types of reasons but uh yeah I think you are going to see them more and more at shopping malls and restaurants and places like that where it would it would just be convenient to be able to you know top it off while you're eating right especially on a fast charger yeah so um you know one thing is that the dealerships uh in Hawaii and I suppose this is so everywhere um are still focused on on fossil fuel cars um yeah sure you know we'll we'll bring one in if you want but let me tell you about all the wonderful features we have on these fossil fuel and they do have great features and you know Detroit and and Japan and wherever else South Korea you know they're trying to do that they're trying to make these fossil fuel cars just wonderful and there's a lot of sale points and so when you go to a dealership uh which you're going to get is a let me show you the fossil fuel car and they're not going to push the electric car that much but uh one thing it seems to be emerging this goes back to the you know the point of those databases on your bumper.com website is um I think what's happening here is the dealerships are being circumvented you know by sales that are directly off the web so if I can get on a you know a website and buy an electric vehicle at a a price that is not a negotiated you know dealership type psychological pressure type situation I know what the cost is it's the same everywhere and I just push some buttons and now I have an electric car en route to me almost immediately without going through the aggravation and anxiety of dealing with a salesman should I say and a dealership um then um I'm better off in fact I'm incentivized to buy that car a lot quicker than I would if I had to go and and see all the bells and whistles on fossil fuel cars what do you think is that a is that a real possibility here is it happening will it happen will it feed into your analysis of this uh well I think people will still want to be able to test drive vehicles I mean we we like to have choices and um we like to have choices in you know what type of car we buy and you know there's increasingly one more choices of electric vehicles but I think people are still going to want to take a car for a spin before they they buy it and that's going to require a trip to a dealership so I don't think that dealerships are going to go away I think if somebody knows exactly the type of car they want it's certainly an incentive to be able to do that purchase online without having to spend two three four hours of dealership because it takes a long time to go through that process but if you can purchase it on the car and let all that paperwork take place in the background without you having to physically be there I think that's that's a great incentive um but you know perhaps dealerships will do that for the gas and diesel cars as well you know I don't see why that can't go in that direction of online sales for any type of vehicle yeah okay uh let me let me I just say that um there will be issues going forward about the availability of rare earths like cobalt for batteries and and the availability of chips for all the electronics that are in all cars now and I it's hard to anticipate how that's going to how that's going to affect you know is it is Hawaii a good place or not so good a place to to own an electric car but I so we can't cover that it's too it's too vague right now maybe in another show julian we can cover that but I do want to ask you um is it's number 10 good enough um didn't surprise you in any way that we hit number 10 and not number one and what can we do to hit number one because it's a good thing yeah no it's a great thing to be in the top 10 but I know that Hawaii um because you have the existing infrastructure because you have the demand um you know you can only go south so far on an island so um it's perfectly suited for the distances that you can drive and um I think if Hawaii really focuses when I know that there's going to be increasing infrastructure in the state and if Hawaii really focuses on look at more ports and just make it more convenient um for drivers and just try and keep pace with the demand for the cars because we already have that demand people in Hawaii already want these types of cars and it's convenient for them recognize the impacts on the environment that it's a good thing um so they feel good you know about owning an electric car so you already have a population that's supportive of this and so I think just trying to keep pace with that um demand you know you're um in a great in a great place for moving way up on the list yeah I agree with you in the sense that Hawaii is remote and people always have this thing about trying to keep up with the mainland that's why Hawaii is an early adopter on all kinds of technology this is a kind of technology that they want to adopt and it's really not so much a matter of their interest but the barriers that stand between them and the car um and there are some of those okay so what what do we have to do as a state as a legislature in order to get to number one what would you recommend to us so that the next time you you know do your analysis and calculate your list we could be number one what give us some advice um focus on you know putting as many forth as possible on the charging stations as many as that you know that you're allowed and that will take um and also focus on the incentives um and you know if we have price of electricity you know that factors into the recharge cost which is one of the one of the factors um because uh Hawaii does have the highest rates of electricity in the country um and trying to you know bridge the difference in price between electric vehicle and a non-electric vehicle that differences that differed by state Hawaii's kind of the not quite the middle of the pack but on the lower middle of the pack in terms of the price difference um so I think continuing to be in be able to offer incentives it's great to have you know um some of some incentives like free parking downtown or things like that but I understand that some of those incentives have expired um but I think focusing on um getting rebates there because as you pointed out before uh once the rebate went away you know um you're not as incentivized to to purchase that vehicle so I think really just focusing on the the meeting the demand with the infrastructure focusing on the number of ports that you put in so that a lot of you know multiple people can charge at the same time and um coming up with more incentives and um not hitting people with high electric bills so you know time of use of you know it's there's not penalizing people for charging not penalized people for doing the right thing environmentally and you would have similar advice for the other 49 members on that list if you want to do better you know these are the kinds of things you want to focus on yeah means don't you think that this is a dynamic list and if Hawaii doesn't do what you're suggesting it's not that we will remain constant on the list we will probably slide down right right I mean some people some states you know have low electrical electrical costs as you know something they already have built in which affects the recharge cost which you know affects a lot of different things so um but yeah you know there's definitely the possible like you said this is a dynamic dynamic process and society is always dynamic and so yeah there is a potential for moving up or down so Julianne I hope we can catch up with you next time you do one of these lists and see where we are then uh because it is it's dynamic in all ways it's dynamic in Hawaii it's dynamic relative relative to other states as well so I hope we can catch up and do another show with you and I I'd like to stay in touch with you for that purpose that'll be great thank you Julianne Olander of bumper.com thank you so much for joining us


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What's going on, everyone? Sam here, late in sports card, Drippin' 22, Panini Prison, football hobby, 4 box break, number 41, pick your team style. Going to read up a list of our names on our teams. Austin K. Chargers, Bin T. with the Eagles, Blake C. Bucks, Brent M. Vikings, Carter T. with the Bears, Charles P. Broncos, David C. Dolphins, Dean I. with the Lions, Greg M. has got the Ravens Cowboys Texans, Jeff S. Bills, Jeffrey H. Niners, Jets, Joshua R. Steelers, Mammy V. with the Seahawks, Muhammad A. Patriots, Nicholas Z. Chiefs, Nick H. with the Cardinals, Paul O. Packers, Rick E. Falcon Saints, Ron L. with the Bengals, Rory B. Jags, Ryan P. with the football team, Ryan D. with the Giants, Steve R. Raiders, Thomas R. Panthers, Browns, Rams, Vito C. with the Colts, and Wilkins F. with the Titans. Good luck here, everybody. Let's do it. Newfound Glory Acoustic tonight in Orlando. That's pretty cool, actually. I wonder what their track is. Newfound Glory. What's their big song? My Friends Over You. Yeah, yeah, yeah. I was going to say, I just literally... It's pretty much what they end their... Every single thing. Yeah, every single thing that's set with you. No, no, 14. We're doing personal after group breaks are over. Brilliant. Silver, Austin Eichler. Blue, Ice, Javante Williams to 99 for the Broncos. Traylon Burk, Skavon Subdued. They really go... For that song, they'll have like a... They get like a little competitive thing for the end of it, though. Start spraying up 30. Haley's Happy, Emergent. Rondale Moore on the Orange Wave for the Cardinals to 60. Sauce Gardener. I didn't put two and two together, actually, Forrest. Nick Bonita. Blue's Faith, man. Silver Bateman. Tide Chandler, 30 of 49 on the Color Match Purple Power. Nice one there, Vikings. It's on that bike. It's Montreal, Washington. Christian Watson. What do you want? Gotcha, gotcha, gotcha. There's Desmond Ritter. There's Alex Highsmith, Purple at 125 for the Steelers. Trey McBride and Tristan Ebner. Try to debate what you want today. I feel that. Silver Hype, Amon Ross, St. Brown. Red Wave, Josh Allen, 149. Nice one there for the Bills. Jordan Davis and Tyquan Thornton. Silver Sky Moore for the Chiefs. Nick Mangold, that's cool. Hyper to 175. Hey, what's up, Dean? Garrett Wilson, Rookie. And Evan Neal. Nice throwback, Justin Herbert for the Chargers. Orange, Jordan Davis, Rookie to 249. No, 249, yes. Yo, Pierre, you want to come out here? Strong Junior. Roger McCreary. No, Bryson, Bryson like that one. I know that for sure. I don't know why I think we're playing every time we hear this. Kyle Pitts Hype. Trey Jackson, Rookie to 199. Blue Wave. Kyler Gordon and Rashad White-Ryton. Brilliance, Justin Jefferson. Orange, Tyler Boyd, nice color match. Personally, I'd go Origins. I would go Origins. Nice one there for the Bengals. Jaylen Petrie and Aiden Hutchinson. Now that newfound glory song stuck in my head. That's how my playlist, I love that song. Silver, Tyler Higby. Blue Wave, Jaylen Ramsey, New Dolphin. This is still for the Rams to 199. Can I pick it, Rookie? And Chris Olive. I'm interested to see how good Dolphin's defense is with Brandon there. I know, it's going to be kind of terrifying, to be honest with you, I think. Yeah, you probably got to play them. Probably. Nice. Purple Ice, Tariq Woolen to 225. Seahawks. Brian Cook and Cleal Shakir and last time. They've released, like, who's playing who, right already? Probably. They just don't have a schedule up. Yeah, probably. Silver, Daryl Green. We've got a Dick Buckess. Bro, that's awesome. Going to the Bears. Dude, that's so cool. I'm, like, really jealous of that card, actually. Bears is going to be Carter T. Congrats, Carter. Still think to this day voted the most feared tackler of all time. That's so sick. So sick, dude. Purple Ice is Devon Singletary to 225. And Charles Cross as well as Son Haskins. Ah, Grow Up. Everybody needs to grow up. Like, that's for me. Orange Wave, Jeremy Ruckert, Rookie for the Jets to 60. Brian Robinson Jr. George Carlaptis. Furious George Carlaptis. Yeah. Yeah, first box had two autos. There was a Tide Chandler was the other one. Kenneth Walker Firewrecks. We got a Forest Camel for the Raiders. Rookie. Xamir White. Nice one there. That is 2015. No, I just I keep forgetting his first name. Xamir. Yeah. There's Daniel Bellinger, Damian Pierce. I get it mixed up with the Tampa Stray Bag. Machado. Yeah. Silver, Mike Kasicki, Christian McCaffery for the Niners to 225. Yeah, you're a good Dean. It was in like the third, second or third pack. The Axel, Erica Zucanima. Silver, Nelson Aguilar. There's a Doug Baldwin, 75 of 149. That's awesome. There you go. Manny, really cool one there. Nice vat hit for you. Sam Williams and Kenneth Walker. Silver, Traylon Berks, Rookie. AJ Terrell, Blue Wave for the Falcons to 199. Danny Gray, Jolani Woods. It's not, it is not. That is all out, Aaron Jones. Marr, Purple Ice to 225. Color match for the Ravens. That's cool. Reese Hall, Rookie. And Kyler Elam. I was top building this card like this and I thought Aaron Jones was standing up. I was like, that's a weird out. Sold out for the night, guys. Sold out for the night. Thank you, everybody. Do appreciate it. Thank you so much. It's going to be a fun night. Strap yourselves in. Romeo Dobbs. There's Travis Kelsie to 249. Jermaine Johnson and Vilas Jones. Brilliant's Austin Echler. Or another orange Travis Kelsie. What's that one numbered? Zero numbered. This one was 176. This is 188 of 249. Back to back. Killa Trabs. Pretty close. Yeah. We kind of find you hit like the one out of 49 of the 149. That'd be three points. Silver, Mike Ditka. We've got Drake London. We got London on the track. Nice one there for the Falcons. Congrats, ATL. Going to Rick E. Smack, I agree. Ford, Matt Correia, me too, dude. Graff time's coming up. Jimmy Garoppolo, Orange Wave to 60. Josh Pascal, Nicolby Durant. There was like rumors that Billy might go after Bijan. That'd be kind of cool. That'd be awesome. That team doesn't need a whole hell of a lot. Kyle Pitts. They would need more like Louis Darrell Green, 299. Maybe we need more interior stuff than we do. K-Dotten and Terry Davis-Price. Maybe not. I don't know. I don't know how our old lines are. I know we got Kelsey back for a year. Yeah, true. I don't know what Lane's doing, Lane Johnson. Silver, Bailey Zappie, Emergent. Red Wave, Khalil Herbert to 149. Bailey Zappie, Rookie. And Isaiah Lakeley. It was likely going to be a good title. R-R. Remember throwbacks when Bryson didn't think Jaylen Hertz was that good. Good. I can never tell if you really don't like him or if you're just doing it too easy. Let's go, Jared, picking up an elite personal. You got him in. I think he actually thought that. I have Pepperidge Farm, remembers that. There's Remandre Stevenson Purple Ice to 225. That is K-Dotten and Terry Davis-Price. Silver, Evan McPherson. We've got a Snoop Conner, 35 out of 149. Red Wave Auto going to Jags. Snoop. Juergen sounds familiar, but I don't like it. Wyatt and Kade York. Never really paid attention to his play. More focused on what Hertz is doing. True. Bryson's more focused on hating on Hertz. Yeah. Two of Brilliance. Orange Wave, David Bell. Nice color match for the Browns to 60. Kway Walker and Alec Pierce. You remember that? You said that Jaylen Hertz wasn't that good. He's like, yeah, I still like it. What? No. He said he'd rather have Carson once. What's up, Jess? Shout out. Silver, AJ Dillon. Nice one there. Deontay Johnson, Purple Power to 49 for the Steelers. Andrew Booth and Snoop Conner. I don't know. I think I said hi, Jess, but again, hi, Jess, if I didn't. Ooh, Green Scope Auto. Silver down to McNabb. We've got a Sean Alexander, 18 out of 60 on the Franchise Legends. That's pretty cool. Nice one there. Congrats on that. Here at Pickery Type II early. Yeah. Wish you were still in the game. To Blue Ice, Devon Diggs to 99. Let's go, Manny. Malik Willis and Jeremy Rucker. I mean, when did Alexander come in the week? He came in like 20, there were just like five or whatever. I think so, yeah. Silver and Kenneth Walker fireworks. Hi, illegal. I was just making fun of you. I was trying to get a, I was trying to get a reaction. The 249 Deuce McAllister. Remember when Bryson, that hurts his trash? Yeah. So I remember it distinctly. Yeah, fair. Very fair. Yeah, Sean Alexander is Madden Legend. That's true. Bulls have eight assists at halftime. There's Quinn and Williams, Purple Ice to 225. For the Jets, George Pickens and Boye Maffe. This is a bunch of shot-chuckers. 76-48 to the sixth of the halftime. Good God. Primetime Drake London. Purple Alvin Kamara to 125. Really bad time to be in Bulls, I guess. James Cook and Kyle Hamilton. Yeah, they're not great. They had so many like, they had so much like hype too. Are they in rebuild mode? They weren't supposed to be. They kind of are now. Silver, Kyrie, Elam going to the Bills. There's Orange, Berry. Nice one there for the Lions. Grats on that. They're deemed to 49. Kyler, Algier, and Desmond Ritter. There was a feed on my Facebook. Someone else pulled a Berry manga. Oh really? Yeah. That's pretty cool. That Berry manga. So there's at least two out in the world. I'd say it's filler blue ice for the Chargers to the 299. Nice color mash there. Really nice clean color mash. Colby Dean and Kyle Phillips. Dude, powder blue Chargers jerseys with the light blue parallels money. Silver, Romeo Dobbs, Emergent. Daniel Jones, Hyper to 175. Wandaille Robinson and Trent McDuffie. Score that bad. Silver, Desmond Ritter on the throwback. That is Jerome Ford to 149 for the Browns. Greg Dualsich and Arnold Vekite. Illegal and full illegal form tonight. When is that not the truth though, just what the Eagles need? There's an article on it. I think what they really need is Bryson to believe in the quarterback. Kyler Gordon to 60 for the Bears on the Orange Wave. Danny Gray and Jelani Woods. So they're saying mostly at safety and linebackers. Yeah, I kind of agree with that. New recruits, Bailey Zappie. Logan Hall to 199. Jalen Naylor and John Metzger. So I guess our starting safes are that Reed Blankenship who came out last year, played really well. And then Justin Evans, who I feel like it's the guy we just signed. Nicole Hardman. Shaquille Leonard to 175 for the Colts. Reese Hall-Rookie and Kyler Elan. Then linebackers obviously Nicoby Dean and then Sean Bradley. We just signed, I think, I forget who it was, but it was like Chicago's leading tag. Silver Sauce Gardener, nice one there. Red Wave, Jalen Waddle to 149. Kway Walker out of Pierce. Silver Tyler Lockett, that is going to be a Howie Long, 31 of 49 on the Purple Power. Going to the Raiders, really cool one there as well on the flashback audit. Howie Long. Sky Moore and David Adrabo. That's cool. That is Braxton Hunting up Barrios to 175. Andrew Booth and Steve Gotter. Look, you got a good chat. Oh my goodness. Austin Eckler. There's Joe Nixon, Purple Ice to 225. Jerome Ford in that trail. Mr. Crumb's out here. Oh, yes he is. There's Fireworks. Which one, Jess? Fireworks, Drake London. Blue Wave, Brandon Cooks to 199. Mr. Brandon Cooks to 199. Blake Willis-Rookie, Jeremy Rucker. Orange, Emmett Smith to 249. Kay Dotton and Tyrion Davis-Praise. Otto coming up here. What do we got? What do we got? What do we got? Silver of Roger Svalbard. And Otto is Johan Dotson. Nice one there. That's going to be going to the Commanders. Johan Dotson. James Cook and Kyle Hamilton. Prison Break, Jalen Waddle. Purple, Julian Love to 125. Going to the Giants. Thanks, illegal. Monte White, Kade York. When you talk as much as I do, dude, that's thrown to happen. The chances of your voice cracking is when you're talking as much as Sam's. Oh, yeah. Silver, Fireworks, Garrett Wilson. Purple Ice, Ronnie Lott to 225. Nicoby Dean and Kyle Phil. I was going to say, that's like PC for you though, Jess, the Earl Campbell. That's pretty cool. Earl Campbell downtown. Quick recap, everybody. We've got John Dotson, Howie Long, Sean Alexander, Snoop Connor, Drake London, Doug Baldwin, Dick Buckus, and Ty Chandler. That will do it for the break, guys. Thanks again for the fill. Next up, we've got another four boxer.


I am the first in my family to pursue post-secondary education. I was raised by a single immigrant parent, and although my mother highlighted the importance of higher education, she didn't have the resources to guide me on the path to college. With few resources, I wondered how I would make it. My dreams of making my family proud became real the day I went to a local boys and girls club, and one of my counselors sat me down and walked me through the steps of applying to community college and financial aid. It wasn't until community college for me where I received a level of support that was unmatched and I found a passion for helping students like me. My experience navigating college as a first-generation, low-income, and system-impacted student gave me the perspective that they were critical things that make it difficult for students to see higher education, accessibility, and affordability. Throughout the summer, I was able to expand my knowledge in both of these areas. I had the opportunity to intern at the Post-Secondary National Policy Institute. Their goals are to provide summer scholars with opportunities to build their knowledge base in higher education, federal policy, and build their professional networks. I worked on many projects that honed in on my skills such as research, writing, and data analysis. One of my projects I worked on was updating fact sheets that are posted on their website. This included Latino students, first-generation, and immigrant students. These fact sheets highlighted diverse student populations and provided a lens of enrollment rates, degree attainment, and barriers faced in higher education. These are usually used for referencing, drafting bills, institutions, or other organizations. At the Ford School, I learned the importance of writing and being clear and concise. I found this to be critical because I had to make sure I could interpret the data, provide clear information, and translate that in order for people to make informed decisions on education policy that impact these student populations. This project spoke to me the most because I felt a personal connection. I came into this experience with limited knowledge. One of my main objectives was to learn about the federal policy process and how that looks like in the space of education. I was amazed to receive the level of support my team offered, not only to get projects done, but to make sure that I had a transformative experience. They focused on building my professional network, which allowed me to meet so many professionals in the education community. I had the chance to live in Washington, DC, and discover the opportunities the city had to offer. I also had the support of the leadership coaching program, which allowed me to build my confidence when experiencing imposter syndrome, and most importantly, learned more about my passion for education. My team created an environment of growth, encouragement, and inspiration. Moving forward, I want to continue supporting students from historically marginalized communities and ensure students not only gain access to higher education, but also receive the full benefits throughout and beyond their studies.


If you were to get a cut on your arm or your finger and you were to just ignore it, not wash it out, not really do anything for it, and it becomes infected, well now you know you're going to need some antibiotics in order to counteract the infection, you're going to have to thoroughly clean the wound out. If you do nothing at that point, you don't take antibiotics, well now maybe a little bit later you're talking about amputation, it just becomes so infected or gangrious or whatever that you're going to have to cut off the whole arm. And if you do nothing at that point, well now maybe you're just going to die. We're not talking about getting a cut on your finger here. Hello everyone, Dylan Schumacher, Citadel Defense, and we're going to talk about the possibility of voting our way out of this problem. I've been thinking about this for a couple days and I thought it was worth some discussion. So the question is can we vote our way out of this? Like is there a way to vote America back to a prosperous reasonable nation? So if we are going to do that, if we're going to vote our way out of this, here are the main huge issues as I see it. So the very first thing that I think we would need to discuss or fix in this country is the debt or it makes them austere spending cuts. I hope I spelled austere correctly there. I might not have. I apologize if I can't spell. Point being that whoever would run for president or win the presidential seat in the 2024 election, if we're going to write the ship, is going to have to do something about the debt and the spending. You cannot just continue to draw debt indefinitely. That's not how science works, that's not how math works. That's not how money works. You cannot just continue to draw debt into infinity. Eventually that bill will come due. If you don't believe me, just max out all your credit cards and let me know how that goes. So if we were to elect some candidate, that's something that they would have to address. And that's possibly the biggest issue that we don't talk about. Is this a looming, just absolute, to call it a millstone, isn't even doing it justice. It is a massive, massive problem. The debt is just a massive, massive, massive problem. And in order to address that, not only do you have to stop spending more money than we have, however you have to actually spend less than we have and then use the surplus money in order to start to pay down the debt. Something like 50-ish percent of the U.S. budget every year from the federal government goes to welfare programs. I'm talking about Social Security, Medicare, Medicaid, stuff like that is really where I think it's around 48, 49 percent of the U.S. federal budget every year goes to that. About a quarter of it goes to the military, right? So there's 75 percent of the federal budget from the government every year. So the most obvious place to cut spending would be those two big areas, starting with the welfare programs because like I said, that's half the budget. So that's one, that's the very first and probably the biggest issue. The second really big issue is the bureaucratic state or what some people call the deep state. This is all the bureaucrats and administrators and office workers and people that work within the federal government that really don't change when someone new is elected.  You're still going to check the tax stamps and do the background checks and whatever because you know, that's your job, right? And there are literally millions of people that do the actual day-to-day governing in America that the president or congress has little to no oversight over. Yes, they're set up in these deep structures where you know, this bureaucracy reports this one which rolls up to this cabinet head, which rolls up to the president, okay, I get it. But there's no real oversight in a practical sense of what's going on in this bureaucratic state that administers most of your life, right? Well, why do you have to pay $200 for a tax stamp? Well, because you know, that's the law and that's what it says and you know, I'm just doing my job. I don't really have time to argue if it's constitutional or not constitutional or legal or right or whatever. None of that matters to me. I'm just here to do my job, which is to do your background check and process the tax stamp, right? And again, when you look at that on a larger scale, there are millions of people that are doing that. The FBI, of course, has been at the forefront of a lot of this, right? When they manufactured a campaign to kidnap Governor Whitmer and then try to entrap some people in the case and totally lost in court because the FBI can't actually be bothered to pursue crime, they have to manufacture crime. And it's this kind of deep bureaucratic state that is a real, real issue and an enemy of the American people in general, because it is stagnant. It's not changing over with who gets elected and who doesn't get elected. And the only way that I can imagine to actually fix that problem would be to completely clean it out.  I mean like remove certain bureaucracies from existence. They need to be completely decommissioned. Their building should be, you know, bulldozed to the earth and we should put a nice park in its place or something like that. The third big issue that I can think of is fraud slash money laundering. And what I mean here is the idea that people treat the U.S. federal government as their personal piggy bank. We just saw this recently with the, you know, shots. I don't want to say the word because of algorithms, right? But the shots that you had to get injected into your body that taxpayers paid for because, you know, they were free and how they were going to be forced upon you no matter what your vocation is across America because, you know, you have to have them in order to be a participating member in society that they've all backed off now and we're supposed to forget that. But the pharmaceutical companies in those cases made billions of dollars in profit. Not just like revenue, like total profit, billions of dollars. That was all just handed over from the U.S. federal government. And that's not the only example, it's just the most recent abhorrent example. Recently, the U.S. federal government is going to send $40 billion to Ukraine and I'm curious how much of that money is actually going to get there. Point being that there is a massive problem of just stealing money from the U.S. federal government and everybody knows it. I don't think that's really a partisan issue anymore. I think everybody would agree that billions and billions of dollars are being laundered and moved around through the federal government in order for people to just make money. So that would be another huge issue we need to address. The fourth issue would be to end the mass surveillance state and this kind of goes hand in hand with the bureaucratic state but it's a little bit different in the sense that, for example, you have the FBI targeting suburban moms at school board meetings as domestic terrorists because they disagree with what the school board is doing and choose to complain about it, right? You have this idea where the government is mass surveilling people. The CDC allegedly surveilled people's cell phones to see if they're complying with stay-at-home orders to track your location. So there have been multiple, multiple issues with no reforms where the government has been mass surveilling its citizens in order to intimidate them and get them to comply with what they want. That would have to end. The last issue would be election integrity. Whether or not you believe the last election was stolen is completely irrelevant because about half the country thinks it wasn't legitimate. Therefore, if we are going to rule as a legitimate government where we all agree that elections, you know, choose the ruler, if half of the people who are voting don't think that that actually matters or makes a difference, then they become disenfranchised and everyone loses faith in the system and, well, I think you can kind of see where it goes from there. So if we were to, you know, it's positive how we're going to vote our way out of this, people actually have to have faith in their elections that they're going to be free and fair. So the question I would ask you is when you look at these list of things, of having to have severe cuts in spending, having to eliminate the bureaucratic state, having to deeply root out and prosecute people for fraud and money laundering, completely ending the surveillance state, and then restoring faith in elections, can you show me any serious candidate that's going to run on a platform like that? I'm not even talking about doing it. I'm just talking about running on a platform like that. I mean, show me a candidate who's going to get up there and say, listen, unless we, you know, completely eliminate social security, this country is over. Like, we won't have money to continue as a nation. It's done. Imagine if a candidate were to say that, and then he were going to say, and by the way, we need to completely eliminate the FBI and the NSA. We're just, we're going to fire everybody and those organizations are at an end. And in addition, we're going to investigate every single member of Congress and their bank accounts because we have some concerns about where that money is actually going. And then, you know, after we investigate members of Congress, all the data that we have collected over the decades since the Patriot Act, we are going to go ahead and release it all to the public, completely unredacted, and then we're going to delete it. And then when it comes to election integrity, we're going to also, you know, pass laws for voter ID and stuff like that. I mean, it's laughable when you say that out loud because this would be considered such a radical austere platform at this time in history that just saying that out loud, of course, feels like political suicide for some candidate to try to run on that platform. However, I think you need all five. You can't just have four out of five because any one of those in and of themselves would be a deal killer for the long-term health of America. Like I said earlier, the longer you forego treatment, the more extreme the treatment becomes in order to save the patient. In this case, America has foregone treatment for a very long time. And so now we're at a place where if the country is to survive, there's going to need to be some very extreme treatment measures in order to save the patient, the patient being the republic. And I'm just unclear if anybody would be that brave or be able to see it that clearly in order to take the measures necessary to save the republic. If we can vote our way out, I think this would be the path forward. But show me someone who's a serious candidate who actually believes that. Do brave deeds and endure.


This I'm just showing you an action if they walk through here they die See watch little guy. Hey dead. You don't close that off Oh, no, they're getting behind me and going into that corridor.  Oh V bucks. I don't know why I got that but okay 55 and 25. Okay, not quite. Okay. So did I get credit for that? Yes, okay. Finally. I did it right. All right. That was a long time man stonewood select lots of tickets Civil no thank you. That was fun. I got 50 or 100 tickets And a bunch of stuff to melt down Um, let's go further out Launch the rocket. Okay. So now I see what the little storm thinks man Five pure drops of rain road trip tickets Try hard one inventory is almost full.   Yeah, I saw exactly what you're talking about like that, right? Now When I was crafting I was looking at the mats Over here I always overdo it though.  Gee in the window Flower Flower Flower There's a weed Deposit to blue glow To activate ze boost I still am lacking the metal I want 2000 of it Look at these dudes they want to fight survivor. Yeah, I had a feeling Hell move Hey girl go on weed I am out of the world Nuts and bolts I think i'm done crafting I think i'm done crafting traps I don't think there's a lot of metal on this map or cars. I should say Somebody's found that let's yet Can I get that bonus man? A minute left. Well, I'm going for the cake This is we're gonna miss the bonus and 10 seconds.  There it is But there was another one over here.  Straight ahead that way. I cannot see that little exclamation point. I was like, where is it? Oh, where is it? catch catch catch I am a bear Southeast, right? Oh boy Yeah, our very own wooden fortress chat Just my imagination Running Just my imagination. Yes, it was. I don't care what you say Running away with me. That's just my imagination Running away with me I May have wasted my resources chat They're coming from over here Do this This is me trying to find buttons chat I fell somehow chat. Let me check out terrible. The other side is Getting around is kind of hard. I don't want to be over here. I'm trying to get to the other side How do I get to the other side? I guess I have to build some doors I think they're still okay catch I want to pop in and say how so far the job is going well. It feels good to be making money, man. Hey, steve. I'm glad it's going good, man Really glad to hear that. Hope it continues to get better Thanks for stopping by today, mate. I'm really happy to hear that for you, man Good news. There's good news This is a br stop doing that three skill points Yeah, they uh, they revamped the page Looks kind of weird If you're not used to it. I'm starting to grow on me It's actually starting to grow on me level five loot people schematic gold Pure drops of rain Is just what I needed All the good days. All right one more and I'll get 50 v bucks and some coins I got to discover some industrial sites So I guess I should go in the city, huh? like here Or like here That's only five pure drops of rain though as opposed to the 10 I can get over here Hmm. I'll do that one. I want to get everybody back into this game. I am Who's who else is playing it? Oh, widdly tanks is playing it Wow I got I want to craft some guns, man. That's the thing. I'm looking forward to I want to min max some guns Hey So I have to discover industrial sites. I mean, do I just walk in here? That looks cool. I don't I just Don't know what that means I know I need metal Looking for piles of metal somewhere Any metal in here? Oh, you you three are playing it. What are you guys doing? Just uh catching up and whatnot doing the do defending the bases All your base your base your base base base all your base Are belong to us all your base your base base There's too many people over here. I'm just crowded uh the hipster These flowers are going to be ridiculous I'm addicted to gas traps I'm already out. Oh, I'm out of the bolts.  Hold on Just trying to get back into the groove. I'm lost again Join the team Each day I am getting closer and closer to world domination of the knowledge of the night forts Like I'm ignoring My wife told me today I shouldn't be but I was ignoring the whole survival thing survivor uh team thing And I was just focusing on my character and my guns But she told me that that's where the power is so I'm like Okay Here you go Dead So I'm gonna be probably once I get some more skill points I'm gonna be focusing on getting those guys leveled up like this over here. Can I rearrange these? Wait, where'd it go? Uh, oh what what happened to my schematic? Hey, I have lost schematics before all right, so I get a little a little bit ptsd right there Did I have a schematic or a really nice? um assault rifle in the past A cop or something and I lost it and I was like I was traumatized. I was like, I know I didn't delete it. I know You can't prove a thing. Oh, oh that was a good building I would like some metal Was it lost in your collection? Nope. It wasn't in that collection either I checked there because I was putting stuff in my collection back then Because that was a good source of xp I was getting all those rewards and I was like, no because I even marked it as a favorite. I remember doing it It was just gone. Oh good grief. I keep hitting c or z. Whatever this is Getting us some bolts from these too, right


Module 19, change in consumer equilibrium due to product price. Consumers optimal choice of commodities changes whenever there is change in prices of the commodities. In our example, where consumer is using apples and oranges to get satisfaction, if there is change in prices of apples or oranges or income of the consumer, there is change in consumers equilibrium. There is change in optimal choice of the consumer where consumer is maximizing his satisfaction. So, whenever there in fact demand for any commodity depends upon prices of commodities that are being used by a particular consumer and income of the consumer. So, changes in prices of commodities and income leads to change in consumers demand for apples and oranges and consumer always make demand for set quantity of commodities where he is maximizing his satisfaction. As we are using apples and oranges to denote the consumer satisfaction, if we assume there is no change in prices of oranges, there is no change in income of the consumer, there is only change in prices of apples. Because of that change in price of apples, there is change in demand for apples, oranges and if we assume there is a decrease in price of apples, because of that decrease in price of apples, quantity demand for apples will increase. This increase in quantity demand is because of income effect and substitution effect. In relative terms, when price of apples decreases while price of oranges remain constant, consumer will substitute certain quantity of oranges with apples. He will increase the consumption of relatively cheaper commodity as compared to expensive commodity. In this case, as we are considering that the price of apples will decrease and if there is no change in the price of oranges, then the consumer will substitute a certain portion of oranges with apples. When he substitutes that certain portion of oranges with apples, we call this change as substitution effect. A substitution effect occurs when price of apples decreases as compared to oranges, he will substitute certain quantity of oranges with apples and similarly because of that decrease in price of apples, there is change in purchasing power of the household, there is change in purchasing power of the consumer. Because of decrease in price of apples, consumer has ability, consumer has capacity to purchase more quantity of apples. For example, initially we assume a price of apple is equal to 40 and income of the consumer is equal to 200, then if he allocates all of his income on the purchase of apples, he can purchase 5 units of apples. But if price of apples becomes 20, now by using same level of income, he is in a position to purchase more quantity of apples. So, whenever there is change in prices of commodities, there is change in purchasing ability of the consumer and this change in purchasing ability, purchasing capacity of the consumer is called as real income effect. Whenever price of a commodity changes, it in fact involves two types of the effect, one is substitution effect and other one is income effect. Under substitution effect, he will substitute one commodity with another commodity because of change in relative prices of two commodities. While because of change in real purchasing power of the household, there is also change in purchase of quantities of commodities that are being considered by that particular consumer and this change is observed under income effect. In this diagram, we are denoting three different budget lines denoted with BL0, BL1 and BL2. All these budget lines are downward sloping straight line. If we assume BL1 is the original budget line, along this original budget line, consumer is maximizing his satisfaction by using B combination of oranges and apples. But if we assume price of apples decreases because of that decrease in price of apples, our budget line reverts outward. Under new market condition, no consumer is in a position to maximize his satisfaction along IC2 indifference curve. Along IC2 indifference curve, he will choose combination C of apples and oranges to maximize his satisfaction. By moving from IC1 to IC2, there is increase in satisfaction of the consumer. This increase in satisfaction of the consumer is because of decrease in price of apples and because of this decrease in price of apples, there is change in quantity demand for apples by that particular consumer and this change in quantity demand has two effects. One is substitution effect and other one is income effect. Similarly, if we assume that there is increase in price of apples, because of that increase in price of apples, budget line will pivot inward from BL1 to BL0. Against BL0 budget line, consumer can maximize his satisfaction by choosing combination A of oranges and apples. Along A is the combination of apples and oranges that lie on IC0 and BL0 curve simultaneously. A is the combination of apples and oranges where slope of the budget line is equal to slope of indifference curve. And by joining all these combinations, all these optimal choices of the consumer against different budget constraint, we can obtain a curve that is called as price consumption curve. In this diagram, this red colored line that connects the optimal choices of the consumer against different budget constraint is the price consumption curve. It shows quantities of apples and oranges bought by consumer when price of apples changes. In this diagram, in fact, we assume there is no change in price of oranges. There is no change in income of the household. There is only change in price of apples and because of that change in price of apples, there is change in the quantities of oranges and apples that are being purchased by that particular consumer. So price consumption curve is a curve that shows quantities of apples and oranges bought by the consumer when price of apples changes. On the basis of that price consumption curve, we can derive demand curve of apples. Demand curve basically reports all different combinations of price and quantity demand of apples. It basically reports demand curve, reports different combinations of price of quantity and quantity of commodity under consideration. As in this case, we are making discussion with reference to apples. If there is increase in price of apples, there is a decrease in quantity demand for apples. And if there is decrease in price of apples, then there is increase in quantity demand for apples. In this diagram, if we assume price of apples is close to 90, consumer is willing to have a quantity of apple less than 2. And that 2 is reported by using combination A in this price consumption curve. Similarly, if price of apples becomes 40, then consumer is willing to have 2.5 units of apples. And these 2.5 units of apples, we are basically reporting in this diagram by combination. Initially, if we assume price of apples is equal, in this case, if price of apples is equal to 40, then consumer is willing to have 2.5 units of apples. And if there is a decrease in price of apples, if price of apples becomes 20, then consumer is willing to have around 6 units of apples. So on the basis of price consumption curve, we derive demand for apples. Price consumption curve denotes different combination of two commodities that a consumer will choose against different prices of one commodity. And the commodity that we considered here is apples. If there is change in price of apples, there is change in the optimal quantities of apples and oranges. There is change in the combination of the commodities against which consumer is maximizing his satisfaction. So demand curve basically denotes all willingness and ability to buy. And this willingness and ability to buy denotes those quantities where consumer is maximizing his satisfaction. And demand curve basically describes, we usually describe demand curve at a particular time and at a specific market. It might be possible there is a change in demand over time. It might be possible after certain time period, there is a change in demand. It might be possible there is increase in demand. It might be possible there is decrease in demand because of change in preferences of the consumer. Similarly, in fact the price consumption curve is the first step towards deriving the consumer demand curve. In the derivation of the demand curve, price consumption curve is the first step. Price consumption curve in fact denotes the quantities that a consumer is willing to have against his given budget constraint. The price consumption curve as demand curve is willingness and ability to buy against different prices and we are deriving this willingness and ability to buy on the basis of price consumption curve. Hopefully after this module you are very much clear about the impact of change in price of one commodity on consumers equilibrium. If price of commodity decreases, there is increase in level of satisfaction of a particular consumer. Because of decrease in price of one commodity consumer has an ability to buy more quantities of commodity under consideration. And when we say because of decrease in price of one commodity consumer is willing to have more quantity of that particular commodity then in fact we are making an assumption commodity under consideration is a normal commodity. If most of goods that are being used by a particular consumer, there is a negative association between price and quantity demand. If price decreases, there is an increase in quantity demand for that particular commodity.


All right, Cyber Traders, welcome on back here this Monday, December 6th. Shortly after 2.30 p.m. Eastern time, welcome on back for our afternoon meeting. Great to see Neil, great to see Norman, Andrea, Brian, all of us still joining us here live inside Cyber Group. What a day, Brian says, and that can go in more ways than one, right? But of course, the markets have pushed up pretty nicely. We've had a bunch of runners moving up pretty nicely as well, so it actually has been a very good day inside the Cyber Group Room. Great to see Phil, as I had said. Kathleen, Lori, Deb, the ladies of Cyber Group, welcome on back. Brad as well, hello. And hey, if you're joining us back on social media, Facebook Live or YouTube, welcome on back as well. So I got to talk quick today, folks. I apologize. I'm not teaching later today, but Fausto is the Phase 3 stock course continuing on later on this afternoon, coming up in T-minus 30 minutes. So let's go right from top to bottom otherwise, and we'll build up our afternoon watch list for Fausto. Of course, I'll be talking a little Bitcoin at the end. You knew I'd have to talk about what had happened, basically, from where we left off Friday afternoon. So we'll go right from top to bottom to begin, and then we'll see where the road takes us. So CFEI, I mean, before we go right from top to bottom, this is near the top of the gainers list, but it's on the screen at least to begin. I just got out of this trade and it took a while. I'm very happy with how it played out. But man, I'll tell you, just because I got out doesn't mean that this is totally going to reverse. It did shake back down really nestily off where I got out right off 1430, 1435. But the stock is shortable. It actually was a phenomenal trade as a short earlier on this morning. So if it fails to continue building support, trying to make one more explosive run up, then perhaps it could be an opportunity to try and short into the close. So we'll see at least. I don't mind putting this on our main list just to begin. It just provides great opportunity in both directions. The worst case scenario on this stock, folks, and this could be said for any very heavily traded stock trading 68 million shares going on 69 going into the next couple minutes. It's just to say outside of these two days here, this stock is not really traded a whole lot of volume per day. So I feel like at some point this thing is just going to be straight up exhausted to the point where it doesn't make as good of a move up or as good of a move down. So that would really be the worst case scenario on this type of trade here, but we'll keep it on our list just to begin. And then otherwise, we'll rip it right from the top. So ISIG, man, I don't have as much time to really analyze this stock. Go over it with you from head to toe.  If you want me to go over this trade or perhaps the ACET, which we'll show in just a minute, or anything else otherwise from today. This goes for Norman, Susan, Brian, James, Neil, Deborah, Lori, all of us here otherwise. Send over a quick email. I just posted my email address live inside the cyber group room for all of us on social media. I'm referring to our weekly workshop we conduct there. That's our trader stock workshop. If you wanted to join us tomorrow for that, just go right down to the link on the banner below the stream just to get yourself started. But for right now, ISIG, man, this thing's still pushing up, still giving us a little bit more room to see make another move up here. So yeah, definitely alongside the CFVI, I have no problem just putting this on our list. And this one obviously looks a lot healthier in its direction going up. All right, TACO is a buyout. We skip over that right away. And now we jump right to CPIX. Man, CPIX just a stock from last week, from I think Tuesday last week it was. It ended up making this big pop and run in the pre-market from there. Well, ended up making a nice push after the open that day, but came back down.  So it broke above five and there was no looking back from that point up until right now. Right now this thing's deciding to begin to break a little bit lower off of support levels. I'm just shooting from the hip here, but namely off of like 660-ish, 662. I just made a big 20-30 cent drop once it broke below support. So hey, I'll put this on our list also. Definitely a nice run given this time of the day heading into the afternoon. Hopefully this isn't the end of the run altogether. It needs to get right back on up, make a slingshot later on and make a new high. The A-C-E-T trade. I had referenced just a moment ago. This stock, I mean, this was all over the place. This was like through the spin cycle. Ended up just dropping off after the open. It was building lower highs, almost like this bearish Fausto flag to a degree. And when the market opened up, bam, it had a huge drop right away. Well, ended up making a beautiful slingshot roughly off of what is this? Like 1240-ish, 1250-ish practically.  More often than not, at least for a stock that's already up 30%, 40% in pre-market, made a wacky spike up. If it doesn't keep going here, odds are it's going to fail and crash. Well, it ended up giving us actually one more last like almost like freak type of pop here. Ended up making this big pop from 14 up to near 16. But same thing happened here as did here. And in this case, it's making the uglier move here now. So I'm not as keen to put the ACET trade on our list. We'll keep it going. Vine, I didn't know if this was like vineyard vine, the clothing brand. Vine therapeutics, nonetheless. Nice level one stock, cheapy, but really had a tight spread throughout the duration of the morning. Obviously right now still is on a one cent spread. Right now, I guess it's trying to back up a little bit off of like 115. It just made a small little push to 120. I'll come back to this at the end. I would have zero problem putting this on our list if it gave us signs of life. If it doesn't, if we come back to this at the end of this meeting, and it's still struggling here, I'm not going to be as particular about it. All right, look at this nice run on AHI. I don't know if this is a new IPO. It looks like it is. Yeah, this is all I got on the daily chart here. No idea what this company does Norman who wrote AHI pop just a moment ago. You know what? Don't need to know what the company does in order to make money on it. All we know is that this stock is breaking all time highs as we speak. All right, beautiful. Nice catch at least here on this AHI. We'll keep it going though. The R-A-A-S, nice little push earlier today. We called it out as a level one stock heading into like the 10 o'clock time frame. Actually pretty surprising to see it make another push up higher from that point, but again, not a whole lot to write home about right now, and that's the focus right now. LTPRA, try saying that name three times fast, but it's to say this stock, it seems like it's right where we would want it to be at going into 2.30, 3 o'clock Eastern time near at the highs. The issue, it's trading like no volume per minute. It's only trading about like 2 or 3,000 shares per minute. That's extremely little for what we would want to see right now. So, healthy chart. Nice day today for this L-T-R-P-A, but I'm going to pass. Well, what I'm not going to pass on as you can imagine right now is Prague. Nice pushback up on Prague. I didn't realize how much percent it was up across the day today. Up in your 20% now, you're calling out this trade going into the late morning, the early onsets of the afternoon here, and even at this point, you would think, well, when's it going to pull back?  Here's our little pullback and thankfully still pushing up pretty nicely right now.  Let's take a look on the tape. 234, those prints came in at, I don't know, it could be either the transactions coming in at 283, 284. Looks like a 24K print got filled at 283. Let's see if I scroll back down. I thought I saw a little something right here, 280. It's tough to say. Let's take a look on the matrix here. Looks like a lot of volume from consolidation just generally getting filled right around 281, 282. Either way, I would just say in order for the stock to keep pushing, we got to keep seeing a break over orders on the ask, more green on the tape, and that's pretty much what the doctor's going to order here in order for this to make a push-up closer to three. All right, cool. We'll put Prague on our list. Mark, getting about six cents live in Cyber Group right now. He was in from entry price 267. Nice entry, Mark. Really nice entry. Took the profit, ran, and hey, you could always get back in on the trade if it gives you that opportunity. All right, so we keep it going. Let's just kind of skim around right now. We have a decent list already, so I really like what we have, and I wouldn't mind adding more, but I just want to be very picky with what we look at right now at this stage. Wish? Wish is trading a hell of a lot of shares per minute. It's squeezing up to 370, so I'll tell you, this kind of looks similar to, what was it, the sluggish one, the one that wasn't doing anything. I forgot the name even. Just to say at least this wish stock, definitely trading a lot of volume per minute. It's at the highs. It's up over 12%. How could we not put this wish trade on our list? All right, so let's move over to the loser side. Mark, it's up a decent amount today. I'm sure there's a couple of other stocks that I didn't look at that's up more than that 5%, 10% even, like NCLH number 50 on the gainers list. Let me just look at this pretty quick while I'm at it. This is CEI. This one's moving too slow for our blood right now, so there's a difference between Wish and Prague. Those look a little bit more opportunistic. This one's moving up still too, but a little slow. It's like watching the paint dry, right? All right, so again, let me know if there's anything that I'd missed on the gainers side, folks. Otherwise, I'm going to flip it right on over to the losers list.  If anything, the stocks that are down the most, if they're moving with any sector, whatnot outside of vaccine stocks like mRNA and Vax, etc., it would be Bitcoin stocks, Riot, Mara, my BTBT, which I guess I can fortunately say now that I closed that of that swing trade Friday morning it was, still took a loss, still took a little licking on it, but with Bitcoin dropping off pretty much as soon as we finished up the day Friday afternoon, I guess I'm happy getting out where I did ultimately, but folks, let me know if there's anything else that I missed. I sounded pretty lax, days ago going through the losers side, but I'll tell you, NVACS, mRNA, both pretty expensive. We're not going to trade those. Maybe an ABIS here, which is a sideless stock from last week, but there wasn't really any familiar names that popped up here otherwise on the losers side, so they have seemed a little lax, days ago from me, but typically we don't really find as much on the loser side heading into the afternoons unless that is unless if the markets are tanking. All right, so folks, I'll tell you what, I'll check out Riot, my Mara, both of which made a nice climb up today. They're down big on the percent losers list this morning, Riot pulling back from 29 now, Mara off 43. They were made on the sideless, nothing too special about them going into this afternoon. All right, again, let me know if there's anything else folks, up, down, left, right, that you would want me to check out, look at pretty quickly, but otherwise we will flip it right to Bitcoin here. Just give me a quick second or two. I want to just put this up. There we go. So if you've been following Bitcoin even from Friday afternoon, you know what happened, right? So we ended up seeing practically by the time the market closed on Friday after we finished up this meeting back from Friday afternoon on the third, well, all the wheels fell off, right? We ended up seeing Bitcoin continue to drop off from the break that we had from this white trend line that was holding practically for the last six months. But it is to say at least that's what I was saying. We have to anticipate moves the other way. I'm so bullish on Bitcoin still am really still haven't changed my stance on that, but from Friday afternoon's meeting, I said we have to explore all thoughts and I'll tell you what, Bitcoin dropped off about 10,000 points, 9,000 points lower than I thought it was going to, right? So I thought if anything worst case scenario, we kind of see this break towards 50, and I thought that would be later this week, let alone from Friday afternoon, right? So I've always said this at least from the get go folks, just for anyone joining new in the trading room or on social media, we don't try and predict, we just try and react, right? And for all of us in cyber group, you know that because that's our whole philosophy with trading stocks, right? But in terms of potential buy opportunities, I ended up getting in right around 48. I woke up the following morning, like Saturday at like five o'clock in the morning, it already broke under these trend lines here broke towards 42 and bounced back up. So I'll tell you, I ended up getting in lower than I thought it was going to eventually drop down to as far as an investment, I'm happy. As far as a short term move here, definitely not as happy. I would like to see this begin to make a much bigger run back up as I thought that would have happened three weeks a month ago, but that didn't happen, right? So altogether on Bitcoin, looking at my six hour graph or well below the 500 EMA at this point, we just have to get back over these white trend lines here that we're holding as well. This isn't the only one that I had up. So really, I had a couple of other lines that were drawn back from March of 2020 when the pandemic even started. So you know what? For the meantime, at least, it's trying to build the support, trying to build back up there. It's going to take a process, probably take a while, but we need to see it kind of hold above here. If so, then good. If not, then to be transparent, if this continues dropping, who knows when we'll see that top that peak might not be till June, July, August of 2022, right? And the one thing I will say at least is, you know, I thought the top would have been around February, January time of this year, upcoming year, clearly not the case now at this point, right? I mean, either the top altogether is here or the top will be much later down the line, perhaps around June, July time. All right. So hopefully at this point right now, we just happen to see higher lows building and for this to begin to make its move back up towards the 500. All right. So folks, what do you got for me? Anything else up down left, right? More than 5%, just type it in the chat boards. Just let me know how to do a double take Saturday morning. I woke up at like 5, 5.30 in the morning suddenly just out of whack and I checked my crypto account and I saw 46,000. I was like, that can't be right. It took me by surprise, trust me. Mike says, LCID falling off some, you know, that easily could be added to our list, Mike. I mean, LCID has been such a great trade mostly on the way up today. And now, perhaps if it's not going to continue to move up, perhaps this could be a nice short opportunity heading into the afternoon. I don't mind putting this at the very bottom of our list. I mean, it did us pretty nicely earlier today. It's trading a lot of volume per minute. You know, it's definitely not a level one or two stock, right? You know that, obviously, and I'm just saying that to everyone altogether. But otherwise though, yeah, I don't mind putting this on our list again. All right, Norman says, someone dumped about 1500 bitcoins on Saturday morning. I bet you someone bought 1500 bitcoins today. I mean, teach their own on long-term look, right? So at the end of the day, I'm a permable in terms of just long-term. But as far as the drop off, not too fun. At least I bought a 47, but not fun. All right, folks, let me know if there's anything otherwise we're going to call it. I'm going to type my email address in cybergroup right now. I say that specifically because we have our Traders Talk workshop tomorrow. So for any of our new trial members and students that are attending tomorrow, make sure if you want to have your questions sent in and reviewed on time, just send it in early. I just type my email address live inside the chat board for all of a sudden, YouTube, Facebook live. I'll do the same thing. Again, if you want to join us for tomorrow's workshop, all you got to do is go right down to the link on the banner below to get yourself started on a week-long trial with us here. Otherwise, though, if you're not ready to jump in just yet, then no problem. Just at least send over any questions right to me. Just specify that you're on YouTube or Facebook, so I know not to answer your question in the workshop because you wouldn't be attending it, right? So any questions that you have for all of us on social media, go right to Josh at ctutrading.com. That's my email address. I'll typically write back within a couple of days' time. All right, so folks, with that in mind, not a bad list to work with heading into this Monday afternoon's close. We've got about six, seven stocks altogether so far. Then if there's anything else that makes a big move, we'll look to call it out in the next 10, 15 minutes. All right, folks, I will be back on the mic later on today. I'll probably be back on right at like 3.05, 3.10 Eastern time. I'll jump back on the mic for all of us live inside Cybergroup. All right, I'll talk to you all then. Take care.