All right, and we are going to begin in a moment. Welcome to the Center for Global Enterprise Global Scholars Expert Connect series. My name is Ira Sager and I am Vice President of Global Learning Initiatives for the Center for Global Enterprise or CGE. We're excited to explore a new topic today, Authentic Inclusion. Our presenter Francis West is author of a new book, Authentic Inclusion Drives Disruptive Innovation. Over the next 60 minutes, Francis will illustrate how putting people first and build the inclusion and diversity of the business strategies. We'll, I'm sorry, into business strategies at technology infrastructure. Products and services and organizational processes can help companies recruit talent, expand markets and differentiate their business. Francis is an internationally recognized thought leader, speaker and trailblazer for women in technology. She is known for her work in innovation, technology and business transformation, and she is the founder of Francis West Co., a global strategic advisory company. Her approach comes from her wide-ranging experience as a global executive in sales, marketing, business development and as in research, as well as a groundbreaking work as accessibility and inaccessibility as IBM's first chief accessibility officer. But before we begin today's program, a few housekeeping notes and we always do that for every Global Scholars Program. For those of you new to the Center for Global Enterprise and our Global Scholars Program, CGE is a non-profit research institute focused on the study of global management best practices, modern corporation, economic integration and their impact on society. Our Global Scholars Program is a worldwide learning community for business-interested students, academic faculty and business professionals. Through Global Scholars, we offer online courses and digital internships, as well as this and other Expert Connect series. Participation in all our Global Scholars programs and membership is free. You can find out more information about our activities on the CGE website, Today's program will be recorded and is available on demand from the CGE YouTube channel. We will leave approximately 15 minutes at the end for audience questions. If you have a question for our presenter at any time during the presentation, you could submit your questions using the Q&A feature at the bottom of your Zoom screen. We will try to get to all your questions time permitting. It is my pleasure to turn you over to Francis who for the next 30 or 40 minutes will propose new ways that business leaders can affect sustainable and scalable change and tap into tremendous opportunities by viewing inclusion as strategic and by addressing diversity proactively. Thank you. All right, Francis. Well, thank you, Ira, for this great invitation and I'm really excited to be here and to share with the audience a topic that I actually wrote a book upon, Authentic Inclusion Drives Destructive Innovation. I think everybody knows that today the topic of inclusion is everywhere. Every day when you open the newspaper or the TV network, you hear people talk about inclusion. But my view of, in this case, of authentic inclusion is different somewhat from the quote unquote the current state of a talk. My view of the inclusion in this case is not so much as the HR topic because usually when we talk about inclusion, people think about talent, acquisition. For example, we want to have gender equality or really make sure that people who are underserved by race, by religion is included in the society. But my view is that in today's world, it's not just a talent that we need to think about, but also technology. And the second thing about inclusion that in my mind that needs to be talked about is that a lot of time we also pay attention to, like I said, gender religion or sexual orientation and background. But very rarely we think about, for example, people with disability or aging as a demographic audience that needs to be thought about. Ira, in your introduction, you talked about my role as IBM's first chief accessibility officer and the word chief accessibility officer means that we actually work on technology to make sure that the technology does not create barrier for people with different disabilities or different abilities. So I feel very strongly that when we talk about inclusion in today's world, we really have to think about technology and that is truly inclusive of all people beyond gender, race and all that. But in some incidents, and actually in this particular case, with a very specific focus on learning from, for example, how to use technology to support people with disabilities so that we can create an understanding and a use case to build on, for example, in a workplace environment when employment can be rendered to everybody and create parity in productivity. So in this context, I wrote a book about authentic inclusion. It is, like I mentioned, it's really focusing on inclusion in the technology context, but it's also is very much an organization transformation topic. I feel that in today's world, if we're talking about inclusion in a real sense, then we really have to think about the economic impact of inclusion. And the best thing we can do for any demographic or constituency, I call it, is to make sure that he, she or the person with disability or with aging abilities actually have equal access to employment opportunities. So if you read the definition, which is on the slide, it says, the institutional insight that human diversity is at the core of disruptive innovation. It calls for holistic actions across all parts of an institution to respect an individual's human's ability to make a difference, not in spite of, but because of their difference. And by putting human first, prosperity can have longevity because principle purpose and profit are harmonious aligned. So the keyword in this definition is, like I said, is that the human diversity is really at the core, especially in the innovation that we're talking about not just today, but tomorrow. And I would take the audience through why I feel so strongly that inclusion has to be the base for our current and future innovation because it has significant impact on future work, future society and future humanity. But why do I think that inclusion or want to move inclusion from a more of a HR perspective into a business imperative? There are actually many drivers, a global driver is causing the rethinking of inclusion from HR to business. One of the major trend that's happening is demographic. For the audience on this webcast, I don't know whether you know, but according to the United Nations studies, 15% of our population has some kind of a disability. So that translates to about 1.2 to 1.5 billion people on the planet Earth, which is about the equivalent size of the market of China. Everybody, of course, look to China to have, you know, to expand their business and growth, but you think about it, there's 1.5 billion people naturally born with some kind of disabilities. And then about 60 to 70% of us most likely in your lifetime will encounter either accident in some unfortunate cases, war that will create disability as well. And then on top of that, you have aging population. When you age, you naturally going to acquire disabilities and therefore your ability to, for example, function is going to be different. And in this case, technology can provide a tremendous augmentation or assistance to people with different abilities to fully participate in the economic independence. So this is one big reason why, you know, inclusion I mentioned earlier has to think about not just the person side, the human side, but also the technology side. Another major factor is the legislation. United States government actually is the leader in this area in that, back in the 1970s, United States signed the American Disability Act, which really ticked a that as a country, we want to make sure that the society and workplace and business is as inclusive as possible. So when it started out to be a very much a physical kind of focus. So for example, we all benefited from, you know, the ramp, you know, we're building and elevators and all that. Those are all direct results of American Disability Act. But now that kind of a thinking is applying to the digital side as well. The digital inclusion, meaning making sure that your technology infrastructure or internet infrastructure, your web, your mobile, your IOT, your cloud is as accessible to all citizens is becoming a very key focus of all governments. Leading again with the United States government. Now we have, for example, the procurement law such as Section 508, meaning that if you are a startup or enterprise want to deliver your services to the federal government, you have to declare whether your product services as accessible as possible. And the European Union, for example, this year just passed the European Accessibility Act. And then you got countries like Canada, Australia, even China, all beginning to pass a similar kind of legislation. Because as a, as a, I think as a society, especially at the government policy level, they recognize that, again, technology is underpinning everything. So it is very important we have the right legislation. And in some countries actually beginning to have enforcement to make sure that the digital barrier is not accidentally created. Again, an example is the country of Japan. In the past that the Japan government has dictated that, you know, you need to make your product and services as accessible.  But, but about a couple years ago, that the Japanese government had decided, no, we're not taking fines because that's too easy, you know, to, to, to get out. We want to see real hiring quotas and being really exercised. And by the way, the US has a Section 504 law on the, on the federal contractor to, in this case, to say that there should be a aspiring, aspiring goal of a 7.5% of the employee base should be people with disabilities. So these are just a data point of indicator that, that there are about 177 countries around the world now have signed the UN Convention on the Rights of People with Disabilities. So what that means is this 177 countries over the next year or decade is going to begin to institute policies and legislations that will really monitor, in some cases really enforce, that digital inclusion is really in place. So as a business, as all of us are out there, you know, thinking about today, but certainly plan for tomorrow, then this topic of digital inclusion or authentic inclusion has to be top of mind. And another point is the social expectation. I think everybody recognize that as a society, we are really actually, it's a good thing that everybody is beginning to rise to the point where we want equality and not just in word, but indeed in action, right? When there is, when there is a disparity in equality, then you, you hear the voice coming out loud and clear and social media can certainly create a channel for kind of communicating that content. So if you are, again, as a business, it's very important your brand reputation, your brand equity has to be mindful that you are there to serve. I always, when I talk to my customer, I always say, are you serving the little C customer or are you serving the big C? Because every customer or every business owner or executive would say, we want our customer or our employee to be, you know, to be satisfied or happy with our services. But if you truly believe that's the intent, then you have to think about every one of us is very different and that have different wants and needs. And in this case, you really need to leverage technology to, you know, to support the quote unquote, the personalized services and expectation of the individuals. And, and which leads to the last point on the on the global drivers is on technology. We in the past 20 or 30 years, we have seen a significant shift of technology from what I call the back office, you know, a system, a kind of optimization model, which is where I started with IBM, you know, back in the late seventies and early eighties, that we sell mainframe computers that drives processing in the back end, like for example, banking, a tech processing system. But now technology has evolved, you know, to the front end in that everybody's carrying technology, you know, for example, on their iPhone in your pocket, right? So the technology now is moving to what we call the personalized experience era that everybody wants everything to be individualized or personalized. So again, if you talk about personalization with technology, then one has to think about human difference in humans and different of abilities. And again, and that's why I feel that, you know, having put in human first, back in into in this kind of inclusion or technology discussion is a must do. And I mentioned earlier that the technology is moving very quickly to a, in a world where everything is personalized. And therefore, if you are either a startup or you are a established Fortune 500 companies, you really have to think about, you know, how do you service this very diverse, what I call the market one now. In the old days, if you study marketing, people would say, let's do a segmentation, right? We have the baby boomers, we have the millennials, we have the Gen X, Gen Y, it usually is in these kind of a category and then you design your marketing campaign, your product services to that segment. But we are moving to what I call market one, in other words, very targeted selling. I mean, Amazon certainly has, you know, kind of perfected or led in that revolution is that, you know, they customize based on the data analytic as to what you want, right? Or suggest what you perhaps need to read or need to buy. And one can see very quickly, we're going to evolve to a world of technology where everybody will want not just the content on the knowledge, but also the experience of the product to be highly personalized. So if you're going to address that kind of personalization in the business executives, and also along with academia, really have to have a very strong awareness that we have to really teach ourselves and also our institution to really authentically, respect not just diversity as a kind of a slogan, but really understand why diversity, how to leverage diversity in a quote unquote action state so that it really help to drive the innovation. Because without kind of diversity point of view, you will not be able to have the kind of innovation that really address the market one of phenomenon. So based on this kind of kind of overarching drivers and also perspective on diversity, I, you know, I spent a lot of time thinking about what the technology future should look like, right? Again, like Ira mentioned, I worked in IBM Research for over a decade. And so really had an opportunity to work with the brightest and the sharpest, you know, scientists and researchers. And also now working as you know, strategy advisory companies, I spent a lot of time in the, you know, in the Silicon Valley with the startups and also with think tanks. And again, coming back is that we are definitely seeing a movement to put human back in the center. And that because the technology is becoming such way that the technology is becoming more human. And if the technology is becoming more human, then human has to become even more human in that we have to really understand what is the essence of the humanity, and that using that knowledge to create the next generation of society next generation work. And there are already a lot of work of the future studies coming out through McKinsey, through, you know, Ernst and EY. And many of them talked about in the future, the job is going to change, you know, very quickly, but some of the, what they call the soft skills, which is really the human skills, right? Empathy or creativities, things like hard to put in the box, but we all know is very essential. So, as we move along the technology design or technology development or deployment or testing the entire process, we have to think about how do we actually put human back in to make sure that it doesn't either derail into thinking like a machine or actually inadvertently creating bias. Another point that I think that we really should really kind of spend time thinking over and also take action is that if you think about the technology, you know, especially the internet, you know, the original intent of the internet is actually is to create democracy, right? Everybody have access to information. So, in a way, it's a very quintessential American idea, which is, you know, you know, whether it's the build of rise of US constitution really talked about, you know, we every human being in this society have an equal opportunity and equal access. So I think for the companies, especially US, you know, companies, or even in this case, you know, companies around the world, who really strive for the equality and quote unquote, the democracy in human kind of a participation, then we have to think about, you know, the technology by designing human, by having human first kind of thinking that we really create a technology for all the people and then by all the people. And then at the same time, we are at, I think, an inflection point in the society because the technology in the past 20 years certainly contributed to the convenience, the productivity, but, you know, it also has accelerated the society in pursuit of profit, right? We have seen that without balancing of a profit and a purpose or principle that there could be a real imbalance of opportunities. And that again, I think, if we start really authentically thinking about the top of inclusion, either in institution like a business or academia, then we have to think about, can we institute or begin to think about a new construct, a business construct that really put, you know, the profit and purpose in a more alignment or value alignment, right? MicroPorter actually had a Harvard Business Review paper about 10 years ago. I talked about that basically capitalism, as we know it today, will not exist or cannot exist unless we have a better alignment of a shareholder value against profit. I think we're at the point where we really have to think hard about, you know, perhaps it should be a new model. And that's why there is this idea in my book I talked about in the Silicon Valley. There is this beginning thinking that maybe Fortune 500, which completely focused on profit, should begin to evolve into impact 500, meaning it's not just about the profit, but what is the value you bring to the society and what is the purpose. By the way, to a data point, on this kind of a concept, some may think, oh, this is too aspirational in this society today, you know, Francis, you may be just kind of a dreamer. But this year at the World Economic Forum in Davos, for the first time, the topic of disability or inclusion made the list, so to speak. And then there is actually a movement called Valuable 500, which actually asking key global, you know, 500 executives to think about should this topic of inclusion, especially people with disability, it should be part of the board agenda. So this is, again, World Economic Forum, we all recognize that they're kind of, you know, forward-looking, you know, organization that everybody looked to to provide some kind of guidance as a future of the development economy. So for them to take on this topic this year, I think it's significant. And the second point on return on innovation, you know, I mean, I've been in the business for 30 plus years, and we all understand the return on investment is crucial, right? But as I think about the topic, especially talking, think about the work of the future, the society of the future, I really feel like that perhaps we need to introduce another dimension, which is, you know, what I call the return on innovation. Because innovation is something, it's, you know, in my view, it's almost like a research, you know, usually innovation is tied to research, and sometimes that's a longer horizon, more than a quarter, right? And yet this is crucial because innovation that would impact all of us, business or society, is worth spending the time, is worth to have that patience to think about.  But now we're beginning to see some of the impact, for example, cyber bullying and all that. So for every action, there is a reaction. When we talk about how the technologies impact humanity or human, then we may want to stop and think about a little bit longer term, and really have a little bit of patience, and really have a more of a holistic stakeholder, you know, entirety or kind of approach to thinking than just, you know, more or kind of a single measurement or metrics of profit or dollar cents. So this actually leads to the cross of my thinking, and also what my book is about, is that I also feel that, you know, inclusion, right now, in many cases, they talked about as a program, right? Like we have an inclusion or diversity inclusion program. But in my way of thinking, if we're authentically, I mean the key word authentically, when I say authentically, meaning we really put our money where our mouth is, and that day in and day out, inclusion becomes a real reality of operational reality, right? Not an aspirational reality, but an operational reality. Then we have to do it differently. So, you know, on this chart, I laid out, you know, their action needs to be taken, for example, at the very top in the boardroom with the C-suite, the CEOs, and the board members, just like in your company or your institution's vision, and your strategic imperatives, is something like inclusion and diversity is included as part of your, you know, overarching, you know, important thing to do. My career was with IBM, and I can tell you that, you know, if you look back at history, you know, TJ Watson, in this case, would, you know, kind of declare that diversity is the key kind of a theme of IBM as a company.  And so, this is kind of an example about the highest level leaders really going out and declaring that this is a strategic imperative, and then the rest of the company actually build their product and services around it. And again, if you look at, you know, just recently, Microsoft has come out with, for example, gaming devices for Xbox that is optimized for children with disabilities. What a great example of an operationalized, you know, kind of inclusion from the very top. And then research and innovation. This is an area that, you know, we all have to be very conscious about inclusion. I mean, they are definitely a lot of talk, for example, about artificial intelligence, AI fairness, unconscious bias. My hope is that, you know, there are a lot, a lot of conferences and seminars in this kind of topic. The best way to do that is making sure that when you think about research and innovation, when you talk about gender biases, you actually have people that potentially will have, you know, be impacted, you know, negatively of this kind of a topic, be part of your, you know, research and innovation team. So, again, in this case, what do I mean?  Same thing with this technology. If you really want to have inclusion, then make sure you, for example, have, you know, people who are blind or deaf, you know, or cognitive challenge with autism as part of your research and innovation team. Don't involve them only as a user, for example, as a testing, but you really engage them at the very front end. Same thing with the product design and development. Again, this is when you really operationalize your inclusion, right? I mean, there are steps that could be taken, especially on the design side, that could be very easily implemented. But if it's not thought ahead of time, could create real downstream problem. Some of you probably noticed my chart is very simple, basically, you know, text and with no picture. Why am I doing that? Because if there is a blind person on this webinar, and it makes it very easy to switch from text to speech, for him or her to follow along. But if I use a lot of pictures, you know, for those of you who can see the pictures, you will get the context. But then for people who are low vision or who are blind, you know, they were lost out. So, and also you can see that the text font size is quite large. And it's not necessarily for blind. It's for myself. I don't know, Ira, whether you agree or not. But the font size, as you get older, you know, matters. Oh, I appreciate it. Thank you. Not to call you out about your aging challenge. But this is a great example of how when you design for, for example, with accessibility, might actually benefit everything. I always say mobile device like iPhone, and, you know, has really helped us to understand digital accessibility, because the font size, the color contrast, for example, you're walking out in the sunlight, if the color contrast of your apps is not designed correctly, you can't see, right? So there are many, many nuances that for that human experience that could be brought in, and that if you're going to do a design workshop or do a customer journey, you know, make sure that you have people with the constituents that you really, really want to serve is included in that process. And marketing and sales, again, there is a tremendous brand kind of equity, and the differentiation can be had going back to the example of a Microsoft.  And I can tell you, I think they were ranked one of the top ads, you know, Super Bowl, because they're very expensive.  But in this case, I think it's a great example of how the branding is definitely there. And then you also, we also, in my book, I also talked about Tommy Hilfiger, which is the fashion house. And they have designed a runway of dreams, a basic series of adaptive closing. So for example, instead of having buttons using velcros, right? So it's easy for people with some mobility challenge to put on their clothing. And but that works again for aging population as well. So there is marketing, differentiation, and then there is direct sales benefits. And I think McKinsey had done a report that the company that really, you know, operationalized, you know, kind of diversity, on average, you have like a 30% higher profit margin than companies who are not. So we definitely can see the direct correlation between inclusion and profit. And then information technology, you know, the IT or the CIO office. I mean, to me, this is actually one of the foundational play that in today's world a lot, when you talk about inclusion, I actually did a research when I first, you know, I just typed in the Google the word inclusion and CIO. Unfortunately, there aren't that many hits. Like when you type in inclusion, you hit HR, you know, human resources and a lot. But CIO, CTO, not so much. But to me, again, if you're going to be authentically a company that want to hire people with different abilities, then you better make sure your workplace infrastructure is accessible. And that you have the right technology accommodation to do that. Again, today's webinar, I hope that, you know, we'll have a chance to have a caption, right? Because this is again, it asks for the value that people of different language capabilities, or just in general, you know, wanting to hear what I have to say versus, you know, watching me. Those are kind of little things that technologists like the CIO and CTO can put into their organization and to make the differentiation and also make it truly inclusive. Last but not the least, the HR organization or legal, you know, I mean, legal in the sense that, and they are, like I mentioned earlier, there are laws on the books. And you actually don't want to be sued, for example, for creating digital barriers. The famous case of a target back in, I think, 2006 was that a Berkeley student who was blind would like to do online shopping to target as the school year was about to begin. And the target website was not accessible. So in the end, they settled the case, whether that became like a landmark case, because the debate was that with ADAs or American Disability Act declaration is internet a marketplace, right? So the debate between the defense and the plaintiff is that, okay, ADAs declaration only apply to physical building. And here we are talking about a, you know, virtual access, so therefore should not apply. But in this case, the judge in California Health Health, the lawsuit in the state, no, you know, internet is a marketplace. And therefore, the, you know, the same kind of thinking should apply. So again, working with HR and the corporate functions, but the key point on this is that we really, in order to be authentically inclusive, it has to be a holistic 360 degree operation to make a play, to make it real. Now, the, you know, so the inclusion topic, again, in many cases, is about, you know, one one constituency, whether it's in this case, it could be women's group or, or a different religious background group, or in my most kind of place where I spend most of the time and people with disability talk about inclusion, but fundamentally, we each individual had the responsibility and has the opportunity to be, you know, inclusive, right? I mean, in other words, individual have to take action to reach out, in my case, as a first generation, non-English speaking, female in technology. In my early 20s, I was actually working in Michigan, in the middle of state of Michigan. And, you know, frankly, at that time it was completely all white male, right? And it was upon me to really, you know, do my due diligence and do my work to really reach out to connect with my customer base.  So I think the responsibility of inclusion actually start with the individual. But then in an organization context, which is what I'm talking about, authentic inclusion, you know, as line managers, you actually have very important roles because your hiring decision can create diversity or not, right?   But by definition, potentially you're excluding people with a different point of view. So I think the line manager actually holds a lot of key to making sure that the organization is truly diverse or not. And then the executives, right? You actually own the resources, you own the money, frankly, and people. So again, going back to my earlier chart, is this part of your organization imperative or strategic imperative? It is very important. Again, there was a research done that in today's world, talked about changing kind of a social expectation. Deloitte did a research and they actually found that 39%, close to 40% of kind of a millennial or younger generation say that they will leave an organization if they feel that they are not really truly inclusive in their value, in their leadership. So that's 40%. So the retention of talent could be a big issue if you're at the executive level is not, you know, talk to talk, you can talk to talk but you got to walk the talk. And finally, last but not the least is organization. There has to be governance and policies and also measurement metrics put in place. Because like I mentioned, I really believe inclusion should be viewed as a business imperative. And every business imperative, you know, cannot succeed or cannot sustain and cannot scale unless you have metrics. So organization, policies and governance is just as important because that creates a framework for sustainability. So my bottom line kind of a thinking and also the message to to customers that I advise is that you really if you want sustained profitability, you know, then you really have to in this world, especially going forward, today's you have to think about the principle and purpose alignment in addition to this profit.  Again, Steve Jobs gave a very good speech at MIT's graduation in 2017. He talked about he actually was kind of a bit of a wandering soul until he he, you know, ended up being in Apple, not Steve Jobs, and said Tim Cook, I'm sorry, Tim Cook, Tim Cook until he until he went into Apple, and then you found purpose, you know, in the sense that, you know, in this case, you know, Apple's kind of whole goal is to make the technology simple and easy to use by everybody, and that how that really motivated him to continue to transform the company and drive himself, you know, to to the next height. So I think that this kind of a value alignment, especially in today's world is more than ever being important. And then if we do all these, if we truly not just believe, but we actually operationalize inclusion, then talent acquisition, business differentiation, and especially market expansion. I earlier I mentioned, you know, there is 1.3 billion people in this world. I mean, associate, you know, disposable income is $8 trillion, right? So there is everybody in business talk about the green field or the white space. There is a huge space could be had if we if we begin to design in, you know, inclusion, then your product and service can reach all the market. And again, I will give you one last example, like country of China, is actually taking, for example, the digital inclusion very seriously. Now they don't have American Disability Act, right? But they realize that one of their financial company and financial, which is a mobile payment system, when they came out of the mobile app was not accessible to blind consumers. So a couple of consumer complaints, they immediately decided to hire blind people to join their design team, because they realized there's opportunity to be had. So they were actually invited to speak at UN just this earlier this year about their journey accessibility or, you know, disability inclusion. So this phenomenon is not a theoretical or feel good kind of a charity philanthropy kind of a topic, which by the way, a lot of times when you talk about accessibility or disability, people immediately like, Oh, yes, I will donate. No, this is not a charity play. This is a business imperative play. Why now? Our future work, future society, and frankly, the humanity depends on that we now really authentically introduce not just the thinking, but operational principle into our day to day execution of our business plan. And it's only, in my view, way of thinking is that if we have that kind of alignment of putting human back as a human first, that we can truly affect the society at large, and that making sure the next generation of technology, whether it's internet or things, especially artificial intelligence or VR, AR, all have a people as the as the center of the purpose of the technology. So my last chart is that people say, Well, why do you feel so strongly about this topic? And like I mentioned, you know, I hope that people realize that in my case, I had a very good career in IBM. But my last job as the Chief Justice of the officer was most fulfilling job, and I decided to major on this. So I put the money where my mouth is basically, I bet my own career on it. And they all come back to, I think going back to way back when I was growing up in Taiwan, as a Chinese student, we were taught this Confucius idea of the Great Way. The Great Way means that it's a society where there's actually a place for everyone. So in a way, it is a inclusion of all kind of thinking that kind of is part of my my being, because I'm talking about human first topic. And that and it is my hope that through my years of working and now have an opportunity to, you know, provide, you know, speaking and also engagement opportunity like this, that the digital promise can be delivered to to all people around the world. So with that, I think we have about 15 minutes left. I'm going to turn the podium back to Ira. Thank you, Francis. And great conversation. I want to remind people before we get into the questions that if you do have a question, you want to submit it right now, use the Q&A feature or the chat box, which everyone is more comfortable. And we will start with a question from another Francis who wants to know, and I guess your question is, we know that serving poor people is always expensive for businesses, which most times forces many to creating niche or focus on markets with capacity to pay. How can this be addressed when building develop or developing an inclusive innovation? Well, I think the the cost of if you cost of serving can come down. Again, if you look at the common needs and wants of the of the people, right? So the niche product became niche because there is not an awareness that some of the application can be broad can be broad based. And this is an example, you know, in the accessibility world, a lot of times we heard about the curb cut, right? The curb cut through the American Disability Act, people view that as very expensive that when you when you build a street, you have to build a curb cut, you know, extra. But then what they realize is once you have the curb cut built, you know, most people who use that are not people in wheelchair is a bicyclist, right? Or people with a stroller or business people lugging their luggage, you know, New York City, right? So again, I think part of the is really having the foresight to recognize that every time when you say, Well, this is this expensive. Are you looking at the are you looking at the solution broadly enough? Are you bringing other people to actually help you think the application of that product services and how it can be universally applied? So I think I think that broadening the on the business side, broadening the perspective of the use that use case is actually very important. That's why one of the things I'm really pushing for is that we need to have the diversity of inclusion in the front end design phase of any company's endeavor. Because otherwise, you pitch and hold yourself into a thinking very narrowly. And therefore, by definition, the cost of cost of goods going to be high. And actually, I have a follow up question to that, Francis. In this case back to where do you start? You know, what are the, you know, the practical ways to implement the principles that we're talking about here in a workplace. And you mentioned that it needs to be a top down. It needs to have board buy-in. But how does, you know, how do managers ensure that their efforts aren't, you know, authentic? And where do they start? Is it at the design process? Well, I think the design certainly, but I think the, again, it's really, I believe that you kind of have to, you have to lead by example, right? We talked about brand equities and all that. But you really cannot be authentic unless you, for example, hire employee with diversity, first and foremost. So a logical space to really operationalize, frankly, is your technology infrastructure, your workplace technology. So that definition actually, I mean, that responsibility actually usually is associated with the CIO or the CTO. So I guess I can share that in my work, when I took over the accessibility organization, actually where I spend most of my time is with the CIO office and trying to see how we can make sure that, you know, the all employees around the world will have the kind of equal access. But the key though is that the discussion with the CIO cannot, again, be theoretical, right? I mean, in this case, we actually involved all our employees with different disabilities to be almost like our advisors and help prioritize, which is another thing. You're absolutely right. I mean, where do you start? I mean, you don't have unlimited resources. So you have to be able to prioritize. But the prioritization itself, it's, it can be a very good, again, process to help to bring people together and help to make the decision. I get the decision buy-in. And good, because I think that's a follow up question. And sort of how do you get the buy-in for human first approach to business? And it sounds like that is the way to achieve that sort of buy-in in the organization. Yeah, the buy-in, that's why I am doing a lot of speaking and engagement is that fundamentally has that addition and desire has to come from the very top. I mean, the process actually is, I won't say it's not that hard. I mean, there are many examples. You got, like I said, I mentioned a company like Microsoft and you, in financial services, you have Barclay Banks or JP Morgan Chase. Many companies are beginning to be on this journey. So this is not a new topic. But if you don't have the very top, understand really organically that this is not a, it's not just a kind of a diversity officer's job, but it's his job to lead. And then his job to declare that we want to hire diversity or making diversity talent as part of our number one. And also our marketing campaign, for example, to our customers as our number one priority, then it will be more challenging. Just to shift gears a little bit, Frances, you mentioned some companies that you cited as good examples of addressing authentic inclusion as a fundamental business strategy and plan and not a HR checklist. And Microsoft, I think IBM, I'm just wondering if you have other companies that you would cite also, and you mentioned, of course, what China is doing. But I think for the audience, if they could relate and touch, you know, I think it's easier if you could cite some other examples of companies or products and services, where do you see that happening in the marketplace? Well, I think, again, I mean, I mentioned IBM and Microsoft, these are like a super large companies, right? But then they are actually emerging companies, small startups, right? I mean, Aira, A-I-R-A, check them out, A-I-R-A.io, they have gotten, you know, more recognition in the past year or two than anybody else. I mean, the startup company, Basin, San Diego, I'm very actually honored to be an advisor to that company, but they created a wearable device, kind of a Google Glass equivalent, to help people navigate the world, a low vision and blind people to navigate the world using wireless technology, using what they call the agent-based system. So basically, a person will be in foreign places through the video feed, an agent will come on and will speak, you know, through the Bluetooth to the person and navigate around. And it's a great way of using, you know, cloud technology, artificial intelligence, wearable, you name it. And they are getting all kinds of recognition. So this is an example of how innovation that matters, right? And then you have other companies, like, you know, like for example, in New York City, you have a studio analogous is a branding company. And now it's beginning to really focus on inclusive branding, right? Because the CEO, they recognize that this is an area that, you know, is not going to go away. So I think for large companies, even for startup companies, this kind of a human centered thinking and design is beginning to, you know, bubble up, you know, all around. So I think, I think for the audience, if you just begin to Google, Google or just to check on this topic, you will see that there's a lot of best practices and there's conferences coming up this year's South by Southwest. Check out South by Southwest 2019. There's a whole accessibility and inclusion track.  There's many, many variety of companies are beginning to, you know, come into this space. Good. And I think we have time for one more question. And I'm going to go back to what you said about your first job with IBM. And I guess it was a system 370 mainframe back in the day and you were working in Michigan. And you had to connect with the classic white male environment in IT at the time. Thankfully things have changed. But I'm curious for the audience, how did you connect with what I assume would be so different, such different backgrounds? Right. So yeah, it was in, so my office was in Grand Rapids, Michigan, but all my accounts were in Mosquiton, Michigan, and a town near the Great Lakes region. And all my accounts were hardcore manufacturing accounts. Like Teledon Continental, they built tank engines. So I will walk down the shop floor.  There's no pants to nation, you know, even 25 degree below zero in the winter of Michigan, you wear skirts and you walk through the shop floor.  So I did some study and realized that a lot of my customers in Michigan in the wintertime, what do you do? You, there's nothing much you can do except ice fishing, right? So I ran out a little bit of ice fishing. By the way, I grew up in Taipei, in Hong Kong, you know, which is like a metropolitan area like New York City. I've never, never came, never fished in my life. But I always start my conversation asking my customer, you know, how's ice fishing going? You know, how do you do that?  And that's how I connected as a, you know, we connected as a human base.  So I think connecting at the human first level is really the key for me, at least to break down a lot of those barriers. But I would still say that those, those experience back in Michigan days really taught me a lot about personally how to operationalize the inclusion. That's great. So you never went ice fishing, I take it? No, no. Oh, but they, I do get the benefit of that. I mean, toward the end, every season I will get smoked steelheads or, you know, different kind of fish from my customer. That's great. And friends, I want to thank you for a great session and actually sharing your experience. And I think our attendees have learned a lot. I want to hold a copy of your book and tell people that if they're interested, it's available online and through your website and also obviously through Amazon. And I recommend it heartily. Again, thank you for your time. And I think helping our audience to understand this topic and I think find ways to include a much broader audience in the development of their work. Thank you for inviting me. And thank you everyone for attending. Bye-bye. Bye-bye.


Hey y'all, what's up? My name is Sonali, welcome to a new vlog. We're in Dallas for New Year's Eve. We're two minutes away from the airport. Dallas Love Field, that's what it's called. And we're gonna pick up one of my friends. We're actually here in Dallas with two of my college friends and their boy friends. So it's gonna be a very fun time. I'm just so excited to see them. I'm pretty sure the last time I saw them was last New Year's when they came to where I live, which was Austin. Originally we wanted to do Chicago or like somewhere up north, but I think it was just gonna be a little too cold. So I was like, why don't we just go to Dallas? So, Texas two years in a row, we'll see what next year is. I'm really excited for the weekend and obviously the New Year to start because I'm just ready for that to happen. With Kailin. And we are literally in the middle of nowhere because we were driving to Dallas for it worth to pick up our other friend. And we were like, why not stop for Kallachi? So not sure where we are, but we're going to Kallachi and donuts. We're literally in the middle of nowhere. I think so. We're like on all the places. We're like what? What are we? Oh, I'm gonna. She's pretty. Oh, they gave us a. Wait, what did you get? Sausage and cheese. I thought I was getting you. I got this. I was gonna go to Kallachi. All right, squad, what do we think? Gally's are back together. Missing one. I missed you, Megan, but we're going to Bishop or it's while we are here. What? You can just park anywhere around here because I think this is like the end of it. But yeah, it's like a little shopping area, kind of like restaurants, bars, cute shops, all of this. Oh, there's Perideso, right there. It's cute in there. So my other friend Charlotte, the second friend that I picked up, her flight actually got delayed like two hours. So we were supposed to pick her up at like 10 something and then go to the stockyards to see the steer. But unfortunately her plane was delayed but it's okay because we're actually going to a freaking rodeo in Fort Worth and like the stockyards. And every day the steer comes out at like 11.30 and four p.m. So I think we're just gonna go earlier before the rodeo and then see the steer, have dinner and all that kind of stuff. But we went to this girl's cheese place in Bishop Arts and we just like walked around there for a little bit. And now we're finally at our Airbnb. The check-in time was only 4 p.m. Otherwise we would have checked in a while ago and like dropped off all our luggage. I'm still shook that all of it fit in the car.  It was crazy, but I'm glad it did because I've been stressing about it for a couple of days now. But this is our room and this is our view. There's the Dallas skyline.  Dresser got the bathroom. This thing is cool because it has a light but it's like a blue light. Like it doesn't get any brighter than that which is annoying. So it doesn't really help but it's still a really gorgeous bathroom. I'm like one of those rooms. No one wants that. Y'all are y'all good? I feel like I'm gonna go to a fish. As soon as someone puts it down they're just like, yeah that's actually done to me. True, yeah. That's nice. Outfit of the night, this leather shack is from Amazon. White turtle neck is Amazon. Pants are Abercrombie. Shoes are Air Force One's.  I don't know if I should say on Uptown or like around Uptown. I'm not too familiar with the Dallas area yet but I'm trying to learn but I'm gonna vlog on my phone for the rest of the night so I'll see y'all out. We're getting ready to go to brunch and I made a reservation at Medalsum Moth. I just like looked up the best brunch in Dallas and then I totally forgot that some restaurants only do brunch on Saturday and Sunday and today's Friday so I'm really sad because it looked really good but I think we're gonna try to go to Breadwinners Cafe. That also looks pretty good. But last night we went out to Uptown. We went to Happiest Hour which I've heard a lot about and it kind of reminded me of a smaller Bufords. I feel like it was definitely like young post-grad people there and then we walked all the way to playground where they had like all the games and stuff. Since today is New Year's Eve that means there's a lot of bowl games happening and then boys wanna watch football so I think the plan is to go day drinking somewhere and hope to find the game on Zumbars TV and then possibly come home to celebrate like a midnight. And we didn't buy any New Year's Eve tickets so we're kind of like worried that they're all sold out and we don't even know really where to go. The Happiest Hour was really cool and it had a rooftop thing but I asked if they had like New Year's Eve tickets still and they said if it's on our website then they're not sold out and I didn't see anything on their website so I'm guessing they are sold out. I don't know but we'll figure it out as the day goes on. Tell us where we are now. What's this uptown? It's McKinney, McKinney Drive and it's a really cute little street. We're gonna go to breakfast right there. Party two. I don't have breakfast. How are you feeling this morning, ladies? Good, ready to get some beer on? Why are you eating so much?  He's rooting for Alabama, he's rooting for Georgia. Luckily it's not the same game. Yum. What is it? It's zucchini and cranberry. Ooh. What did you think about the food? It's pretty good. You saw the eggs. What? It's just like eggs, really. Did you get eggs? Yeah, I got some tacos and just four eggs. It was really good, actually. And the whole restaurant is huge, it's massive. Now we're planning on going to La La Land Cafe getting some mocha and coffee. We're going to La La Land. Yes. And I want them so badly to come to Austin. And they actually go viral on TikTok so often. They're just being kind around the community. And it's really cute inside, like they're branding and everything is super cute. It's just regular coffee? Yeah, there's like mocha and gluten stuff. I love coffee shops with brandy. Time to stop at the liquor store. We're feeling tequila this morning, right, Kaelin? Tequila? What? What? No, that's not a real person. We asked the guy which one was the best. Can we get a sparkler? Ah, the station is key. All right, what are y'all getting? Whiskey, bourbon?  I've never finished no response to a beer before. You can finally look at it, liquid IV. Yes. Totally forgot to take you guys into Kroger, but honestly, nothing crazy happened. Just got groceries. And now we're getting ready. The boys are watching football. I think the girls took a nap, but I was editing a vlog. I'm currently trying to get it published, but Final Cut Pro is giving me like annoying issues. But in the meantime, we're gonna all do our makeup together, like the olden days in college. So we're sitting in front of the mirror from like the first night. It's just last night, the first night. I don't even know. Me and Kaelin did some hairstyles that are out of our comfort zones. Fred's and Ollie's TikTok. Literally I have one and she has the other. And hers looks like very Britney Spears-ish. She has a one in the red outfit. And I'm currently putting on my earrings. I really like these earrings. Just got them from Amazon. They're these little pearl drop things. Those are pretty. Yeah. I thought they would be good for eight years.  So that's gonna be very fun to like brush out. I'm terrified to take this out. Did you get it? I did. Yay, thanks. She always untangled my necklaces in college. And yeah, if you guys didn't know, this was my roommate, junior year. We lived in this wordy dorm together. We did. So I had these juices left over from my birthday party. So I brought them. Michi and passion fruit. You can get these on Amazon actually. And I think Charlotte said she likes passion fruit. Kaelin said she likes Michi. We think like two shots. Yeah. Use your fingers. Cheers ladies. Cheers to you. We know what we're gonna do in five minutes. Done with brunch at Chelsea's Corner and now we're walking around Highland Park. Very bougie. I feel like we shouldn't be here, especially not for breakfast. Especially in our sweats, but I wanted to show them.


Yeah, hello. How are you? I hope you're having the most fabulous Monday ever. And yeah, I hope you had an amazing weekend. I'm just doing some technical things on this and of everything so everybody can hear me okay. All right, so this is psychic medium Tony G. And today I'm going to try to take as many callers as possible, help them connect with loved ones on the other side, as well as answer questions that they have. Now, if I call out your area code, please take me off of speakerphone and have a question or a connection ready. I am typically a very patient person. But for the purpose of the show and people calling in, I kind of need you to be ready with your question or your connection. And if you're on speakerphone, I'm not going to hear you very well. Also, all the background noise of wherever you are, whatever you're doing is going to come through. This show does get aired on WSCS. So it will mess up the audio for the television show too. Thank you for joining me on YouTube. Thank you for joining me on WSCS. Thank you for joining me on all the venues that I'm on, Spreaker, every podcast out there. Thank you so much for joining in and listening in. If you would like to call in and ask a question or connect with a loved one on the other side, the number is<PHONE_NUMBER>. Okay, yay. I finally remember my number. Two quick announcements. I started recording Create a Life You Love Again for WSCS and it has an entirely new format. I recorded the first new format last week and it's up on YouTube and WSCS will be airing it soon. I'm sure of that. And I'll be doing one of those a week. Hopefully, all things going, well, hey, Genevieve. I love Genevieve. She is like such a sparkly, beautiful soul. She's one of my favorite. I want to say one of my favorite Canadians. I have a few Canadian friends. She's one of my favorites. Okay. Anyway, so create a life you love. I did the first new format last week. Now, in the past, I did this show and I did interviews. I interviewed people on how they created a life that they are in love with and passionate and purposeful about. But now I'm using the show to teach you how to get there. How do you get from where you are to where you want to be? Okay. And the first show was kind of an intro with some basics, a lot of basics in it. And as we evolved in this show with everything, I mean, I have it formatted. I have enough shows, I think, for 100 years probably. As we proceed with the show, the format should become one where we're going to hit self-love, finances, career, other love, love with family, friends, and in relationships. And some little, little knowings, but a lot of channelings. I'll be channeling a lot on that show. And again, the format is a little bit different. I don't take callers, but I do talk about the changes we need to make in our mind to get to where we want to be in our reality. Okay. So one of the things that I said in the last show is you don't get what you want. You get what you think you deserve. And a lot of people would argue with me on that, but I'm going to just simply say this, watch the show, and go into your mind. And when you're thinking of something that you might want, ask yourself, do I believe I deserve this? And then just make this statement, I deserve better. Like, it doesn't have to be from A to Z. It can just be A to A and a half. Just taking that half step. Like, I deserve better. I deserve better than whatever it is, whatever it is. Okay. Having said that, I'm going to go to the first caller. I would again say, please make sure that you are not on speakerphone and have your question or connection ready. I'm going to go real quick. I'm horrible at promoting myself, but really quick. So I've authored or channeled seven books and here are six of them. This is the latest book. And this is the one before. No, two books ago. And these books are poems. I'm not just saying name because I'm not very creative when it comes to making up titles for my books. And they are available at Amazon.com. There's a link below. If you're watching on WSCS or listening, you can go to YouTube and watch live. You can subscribe on YouTube so you'll be notified whenever I do psychic medium Tony G or create a life you love. Okay. Here we go to the first caller and the area code is 313. Hi, how are you? Good. How are you? Thank you for asking. My name is Cheryl, a caller from Michigan. Hey, Cheryl, how can I help you today? Hi. Yes, I was just like messages from the other side. Okay. I need one. Can I please have the first name and relationship of a person you would like to talk with? Okay. If there's a... I don't know if I want to talk to my brother or grandmother. So at this time, I'll go with my brother. His name is Calvin. Calvin. Okay. Okay. So Calvin's here. Your grandmother's here also. She's the first person I saw. She used to wear a house coat. She used to wear a house coat all the time, right? Yes. Yes, girl. She's here. She showed up in her house coat right away. And I think I want to say this, but I don't want to bust your grandma out, but she used to wear like a wig sometimes. All the time. Okay. I was being kind about it, but she's pointing to her hair and I'm like, yeah, I don't think that's your hair. I think that's a wig. So I didn't want to bust bust her out, but... Yeah, my mom used to do her hair all the time where she used to just buy wigs. Oh, nice. Nice. Okay. So grandma's here for sure. Your brother Calvin's here. Your brother passed at kind of a young age, didn't he? Yes, a few months, like four months. He had a heart problem. Okay. I'm so sorry. I'm so sorry. Now there's a third person here then. Yes, thank you. There's a third person here. It's a male. He's... You know, I'm going to tell you the two things I'm hearing. And if this is somebody who's familiar to you, okay, if it's not, that's okay too. So your brother Calvin's here. Your grandma's here. And then this third male person showed up and this third male person is... He's a younger man. He's not a boy. He's a man, but he's younger. He has that. He has a nice build. He's a good-looking man. He's a good-looking man, but he is here also. He's right next to your grandma. So I feel like this is a real... In some way, there's a relationship here in some way. Okay. So let's start with messages. And this person will probably, if it's relevant, will give me more information. If it's not, that's okay. So the first thing your grandma wants to say is, we're, meaning all of us, we're okay. We're good. What's important for you to know at this point where you... What you need to know is... She's using the statement carry on, carry on, which to me is like a kind of like move on, but carry on. Just carry on. Just keep going. Just carry on sort of thing going on.  Okay.  Carry on. Are you thinking of changing work or moving work? Yes. Yes, I am. I just started. I left my job I was with years. I mean, I was going to be five years ago, and I started a new job in February. And I'm not liking it because I've started a food industry. Wearing a hair net, no jewelry, no lashes, no nails, and I'm like, at one point where I'm a woman. Right. So I'm just really trying to get up the food industry and just I'm ready for a business woman kind of job. Yeah. And I... Oh my goodness. That's what I was going to say next, but like you have... Okay.  I was going to say, I wish I should have just said it, but you have... You know what they're saying is there are a number of things that you could do. A number of different business is you could do. It depends on what direction you want to go. So if you want to go, let's just say, into something with fashion or beauty, you could easily do that. If you wanted to go in another direction, you could do that. The main thing is to just jump. Don't make excuses. Don't be... I've been applying. I applied for about 15 jobs yesterday. Okay. So what they're saying is take what you have and start something on the side. Like in your grandma's saying, stop working for the man. Stop working for the man. You know what? And I've been trying. That's crazy because of this confirmation. That's all I've been talking about with my people that surround me. But I've tried to work with people. I need to come up with my own business. Yes. And I've been trying to think of aside hustles or internet, like what ways I can make my own money. That's crazy because that's all I've been talking about. Okay. So they are giving you such a strong story. Okay. So one of the things that I'm getting for you, like there are several things that you could do easy. I mean, you might have to get some training for some of them, but I think your business is not going to be a computer-based business. I think your business is going to be a person-to-person business, whether it be in the beauty industry or something like coaching hypnosis or doing some sort of beauty with people. You're going to do a person-to-person business and you do have options. You're the type of person.  Like you'll say to somebody, okay, that all sounds good, but that's not that. You need to do this, this, and this. So whatever you do, you're going to, it's going to be a person-to-person business. It's going to be face-to-face, whether that means on the computer or in the over the phone or in person. And you're going to be assisting people on their journey. So again, whether we go coaching, yes, you can do, I can give you some examples, but deep down you kind of already have a feeling or there's something inside of you that I'm just going to say three things here. People in the beauty industry are always giving advice. So that's thing number one. Coaches, even though sometimes coaches get like an overplayed name, coaches really just direct people in the right way. And hypnotists, any of these things would be amazing things for you, but you, and I cannot stress this enough. There's something inside of you that you already have that you can just start, excuse the way I'm going to say this, you can just start telling people what to do and they'll just start doing it. You have a good, yes, you have a way of inspiring people. That's the word inspiring. Now, I do want to tell you once you have the confidence to do this, it's going to take off very quickly. You just need to be in that space where you say, okay, I'm going to do, I'm going to work with my first person. I'm going to assist this person. And then from there, it's just going to go, I'm hearing your come up will be quick. Your come up will be quick. You just have to take that first step. No, you said something with beauty, right, in computer. Where do I start at? Okay, so here's what I'm going to say to you. I'm going to say this to you. They gave a couple of different examples. They said it could be beauty. It could be anything where you're working one on one with a person. Now, for more, if you really want to go in detail about this, we could do that in a private session, but I typically do like one connection or one question for each person that calls in.  No, no, no, no, it's okay. I get it. I get it 100%.  You already know, you have a really good idea. You already know, like, this is something you're passionate about. This is something you have a passion inside of you about. I think you already have an idea about it. So here's what I'll say is sit down and figure out, and this is the most important thing. What are you passionate about? If it's just talking to people and helping them on their journey, if it's helping people heal, if it's helping people with their hair, or their makeup, or their nails. Whatever you're passionate about, that's where you're going to take your next step, and that's what's going to be the most important thing for you. I'm going to do a clearing. I'm going to do a clearing of anything stopping or blocking us on our journey to our purpose, and we're going to clear that now. And here's the thing. We often know what we love. It's what we spend most of our time thinking about researching, reading, and doing. We just have to apply that in a logical way in the world for us to be able to use however we're going to use it, okay? It's typically just that simple. It's just that easy. Okay, I'm going to go to the next caller, and the next caller is 415. How are you today? Hi, I'm great. Excellent. This is Kate in California. Hey, Kate. How can I help you? Well, I think a lot of what you said to her applies as normal, but so I'm renting a car to move for a couple of states, and I kind of got freaked out when I saw the price. You know, one way rent a car. Okay. And I was going to go for five days and go slowly. And so now that kind of, I just need to be talked down off the wall about, I do want to do this. It'd be good. And don't worry about the money. Okay, so you have to, money is an energy. Okay. And our thoughts put us on whatever frequency we're on for the day, week, month, year. Okay. So if we're in that place of knowing we're making the right choice and going in the right direction, and by the way, you are, then we have confidence in our move and what we're, what we're about to do. And the key statement that they're using for you, Kate, is the outcome or the reward has to be bigger than the what you're sitting in right now. So if you can just keep yourself focused on the outcome or the end result, the reward of this. Got it. So what you're going to be and not worry about, not worry about the, the means to get there, right. So, right, I'm going to use a vacation for you and I think you're going to join. When we want to enjoy the mean. Right. Now, here's a perfect example. Everybody wants to go on vacation and people want to travel and they want to go to beautiful places. And the cost of that is inexpensive. So people might book the airfare and the hotel and go, Oh my God, it's costing me this much. But when they get there, the pleasure of it, they know the pleasure of that vacation is going to outweigh the cost of the vacation. Nine times out of 10. That's, that's just what's going to happen. So you have to get in your state of mind that, okay, yes, it is costing me this much, but the reward of this is going to be more. And I'm going to say something to you, Kate. You, the amount you're spending on this rental car is an unexpected amount.  You wouldn't, you wouldn't even be second guessing it. If you were booking a trip to Mexico and it costs this much. Yeah, you wouldn't think twice. So you're just caught up a little bit. We do that, right? Like I'll go out and I'll buy some beverages and they're, they're not an inexpensive beverages. And I won't think anything about it because it's for me and friends and we're going to have a great time. But then I'll go, I'll look at something like something practical that I really don't want to spend money on. That's even less than that. Oh my God, why am I paying this much for this, right? So it's, it's that perspective in our mind. And if we can turn that around, right? If we can go, oh my God, it's going to be so worth it to rent this one way vehicle. I would pay more for airfare someplace. I would pay more for, you know, whatever it is. A moving van. So I'm okay with this. And in the, the end result is going to be such a better thing. Don't, okay. So somebody up above is saying, don't worry about pennies when it's going to rain dollars. Okay. So when you get to your new destination, you're going to have a lot more, you're going to be in this place energetically, that is just more prosperous than where you are now, right? So when we get into a place that is working and open, oh, excuse me, and prosperous, we can then immerse into that energy and become more prosperous ourselves. Okay. So it's in the end, this is going to pay off. It's going to be such a great adventure. So right now, let's clear. We have financial fear. I get a yes, we're going to clear that for you, everybody listening, everybody re listening. Oh, and that's a big one. Financial fear is so huge because it really does encompass us.  These shows, this show is going to be so amazing. Okay. We have a mindset, a mindset, a lack mentality. And that's not only with money. That's with everything. And I'm getting a yes on that. So for you, everybody listening, everybody re listening, we're going to clear that now that lack mentality. And we're going to clear it to prosperity and prosperous outcomes in everything. Okay. So you can listen to the show and re listen to it until you feel like you just get that solid yes or you don't, you don't feel the stuff going. And sometimes even once we clear it, if something comes up, we can be like set back a little bit. So we want to re listen to the clearing again. So please make sure that you're doing that because we don't want to be in that place of lack or those were not in a place of lack. Everything exists in our mind. So in our mind is where the fear lives. And we bring that into our reality. So if we can get in that place, where in our mind, we know, and I say this all the time, we are so divinely taken care of. We are so divinely provided for we have always been taken care of. We will always be taken care of, even when we don't know how things are going to work out. They just work out. And we have to embrace that and the more we embrace that the better things will work out for us. And the more we'll be in that space of building building building. And they having that prosperous abundant knowing over over that fear and that that that lack mentality. Okay, Kate. Thank you so much for calling. I'm going to try to get to the next person because my time is running down the show on WSCS is only 28 minutes. So 267. 267 how can I quickly help me today. Hey, how are you. Hello, how are you. Excellent. My name is Crystal. Hey, and I was wondering if it's possibly connect with my grandma. What's her first name love. Lynn Lynn, did she. I'm sorry. Lynn. Okay, did she at one point was she kind of bigger at one point like a. And she had dark hair at one point. And she kind of was. Well, I'm not going to describe that anybody watching on YouTube knows what I'm saying right now I want to apologize for that. Okay, so she wants to say she loves you she wants you to know she's with you. Does the smell of lilacs is really, it's that little purple flower and where I am that only blooms in the summer we only get them in the summer and only once in a while now I don't know if she used to wear like a perfume that was like this, but these she's showing me these lilac lilac or lilac flowers, and they, they can sometimes. I always see them as pink or purplish, she's showing me them as blue so whatever this means for you, however this comes for you. She wants you to know that's one of her signs for you, and another sign that she's around is, and I'm going very quickly because I know I'm running out of time.  Okay, and the other one is a bird that is blue. Now I'm not going to say this is a blue jay because I don't think this is what a blue jay looks like, but it's a smaller almost like, I don't want to call it a pinch either. It's a little, it's a bird that's blue, and she wants you to, she's just calling it a blue bird, a blue bird, a blue bird. So whenever you see a bird that is blue, or you have the scent, and even if it's a scent of like roses or old school flowers, you know what I mean, like when I say old school flowers old, I don't want to say old time but like those flowers we felt so much as children, like everybody had lilac bushes when I was growing up or rose bushes, it's just not so much anymore. Anyway, okay.


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Hey guys, it's Nate, A.K. The Foot Account. Welcome back to the channel. Guys, Black Friday is here, Road to the World Cup is here, and the new World Cup icons are here, and there is so much going on in the game today. We got big SBCs coming, we got more SBCs, a lot of quantity, a lot of quality, and a ton of market movements to watch out for. Of course, this video is coming to you live in a very different location, but I'm on a slight trip for the holiday with the family. I'll be streaming from a different location today and make sure you tune in early on the Twitch channel. That link is down below in the description because there is so much that's gonna go on the game today. This is a massive, massive Friday on FIFA. As you guys know, I wanna take a look at the loading screen, the SBCs that we had yesterday, and just what to look out for today on this game as we're gonna even start off the video with a new pack that has been added into the store just in the last couple hours, I believe. This was one that we knew was in the code, the Black Friday 10 Coin Pack. So we're gonna open this up really fast because it's 10 coins, shout out to EA. This is like a free pack, basically, 10 coins. And it's not a very good pack, as you can tell. We just, who was that? Was that Tierney? It had to have been, it wasn't a walkout. Yeah, Goma is Tierney. All right, I'll take some rare golds. I'll put those into the 81 plus upgrade pack and I'll take a World Cup player pick. So at least it's 10 coins. You'll take it for the value there, but there is so much to talk about today and I've even made some investments already. Even though today is an insane, insane day, I think there's some cards that we need to watch for some potential investments on the game today. So if you're excited for the video, hit the thumbs up, subscribe if you're new. Let's dive right into the leaks because there's a lot to look at with leaks and not just one, boom, have we had leaked in the past two days, we now have two. Mbappe is not in best of team of the week because this man is getting a promo card today. This 93 Mbappe road to the World Cup. This is gonna be one of the players from the loading screen. I believe it's like a Real Madrid player, which is maybe Valverde and then Mbappe and Sun, Hyunmin Sun, right? Those are the two leaks that we have right now. These are massive, massive leaks. EA is going all out with this promo. If they give Sun a dynamic image with the mask, oh my goodness, that would be insane. But this promo looks to be pretty good. Again, we don't really know what this promo is gonna be about. At least I don't know what the road to the FIFA World Cup player items are. If these are live items, if they aren't live items, we're gonna figure out a lot about these today. But this is officially the leaks that we have. And I mean, it corresponds with the cards that are on the loading screen, so it just makes sense that at least Mbappe and Sun are coming today. People do believe that that third player on the left, the Real Madrid card shown there is Fede Valverde, I think. So watch out for that today. Those are gonna be a new team of cards releasing in packs today that we absolutely know about. Now, what we don't really know about today is, is this SBC gonna be the big SBC on the day? Now personally, I think it is. I honestly think that today will be the day that we get the flashback baby Messi as it is called because as you guys remember in previous FIFAs, the Fridays on Black Friday have been insane, insane days for content, so I would not be surprised if this is our player SBC today. It could also be tomorrow and Saturday, but I think either today or tomorrow, we're gonna see this flashback Messi and that's gonna be just a game-breaking SBC because so many people will wanna go out and do this SBC on the game today. Now, what we also know about Black Friday is, we start to get these flash SBCs and I think they're gonna start early in the day today. We already have a couple of them right now. I need to do this one, the pre-Black Friday flash challenge too. I have a little bit of time to do it so I'm not gonna do it on the video, but make sure you get these flash SBCs done. Make sure your club is stocked. I don't know if you're gonna open packs today in any way, shape, or form, but make sure your club is stocked. Maybe just going out on the market and stocking those cheap rare golds or non-rare golds. I know that we have the 81 plus double upgrade that is out right now, which is so nice to grind and you do need 11 gold rares, which is a bit expensive, but double 81 plus, I mean, the double 80 plus was of similar SBC and it cost it a lot less. So that's the only thing, I think people are not super stoked about the 81 double because of how many rares it requires, but stock your club with non-rares and rares because I think with all these flash SBCs, there are gonna be corners to the market today, whether it's bronze or silver's golds that are gonna be moving everywhere with what these SBCs will require and the packs that they will give back. So just be very careful for that. Now again, if we get a massive SBC today like Messi, I think Messi and some flash SBCs and then maybe a couple other things here or there would be about all that we get. The big hype for today is of course the promo cards and packs, the new World Cup icons that are gonna be in packs as well, team one, by the way, not all the World Cup icons are going to be in packs like we have talked about in the past couple of videos leading up to Black Friday. So I don't exactly know if, you know, are we gonna have like Godincha today with his, you know, dynamic image, right? All these cards that you see when you search up icons here in the transfer market with the dynamic images, those are gonna be the World Cup icons, but we don't know which ones we're gonna see. I would assume that there would be some leaks today. So keep a close eye out for those. But a big part about today with all those cards coming is the store, right? It's the store. We already had a season one review pack yesterday, complete scam, don't do it, right? Don't do these, but we are gonna have a lot more packs in coming. I just wanna, again, kind of refresh what some of these packs are gonna look like with you guys today. The 85 plus star packs, these are lightning rounds. That's a big part of today as well. Constant, constant supply. We're gonna talk about the market in just a little bit. So much supply is gonna hit the market today because we are going to have, most likely, the first lightning rounds of FIFA 23 and with these star packs that just give out a ton of high rated cards, give you a really good chance of packing promo cards and high rated fodder. We have a foot hero players pack. Contains a foot hero and five rare gold players. Yeah, I don't know if that's, it says untradeable. Okay, that's good. But if they put that pack in the store today, right? That would be something that a lot of people would be interested in. You know, a jumbo ultimate pack, still the Black Friday 100 pack or the Black Friday Centurion pack as it was called 100 rare gold players. Like that still baffles my mind at how many players that it's gonna be in one singular pack. So watch out for that pack in the store today or if anywhere else in the game that would drop, wherever it is, that's gonna be, there's gonna be a lot of hype to get that pack. So watch out for these massive packs and yeah, we already have seen the 10 coin pack like I just opened it on the video. So today is all about the packs and maybe about some of these big time SBCs, right? And of course, when we think about the market, we see all these packs when we think about supply, supply, supply. One last note about the flash SBCs. I believe in the past couple of years they've always done a flash SBC hour for a silver card like a Silver Stars. This might be our Silver Stars since it is leaked with this Ashley Young. So watch out for that there. But today is all about what is in packs and of course this messy SBC if it is to drop today. So what does that make us think about the market? Well, there's been a lot of panic selling and there's been a lot of market movements already because I mean, people are scared for what's gonna happen today. And with all the supply that is coming, anything that is in packs like Gold Ronaldo, I know is bounced up a little bit from where he was at his low point, I believe it was on like Wednesday, either Wednesday or Thursday. Yeah, it was Wednesday, right? He went to like 99K and is now back up to 118,000 coins. Anything that is gold today guys, be very, very careful with. Because yes, Golden Bapé is maybe going out of packs and you like Nate went shot by Golden Bapé. I'd be very careful with this guy too. I mean, even if he's going out of packs, his gold card, you know, he's still, he was 960 yesterday before the lead came out that he was in the next promo and he's kind of been around a million coins since. You know, there's just gonna be so much hype today. If Messi drops, is that a Bapé drop with people replacing Messi from Bapé? Probably not. So just keep it careful watching that a Bapé. He might actually move a lot today. But anything that is in packs specifically golds like a Van Dyke, like a Vinny, even like some of your fodder cards guys, I'd be really, really careful of because they're just gonna get supplied at like crazy, crazy, crazy today. Now fodder is decently low, 85s, 86s, right? They're pretty low. Of course our 88 rated cards are still about 45,000 coins a piece. 89s are expensive, 90s are expensive. 91s are expensive as well as 63k. Be very, very careful with these cards today too. There is demand though. And that's the other side of the coin is that, yes, we're gonna have a lot of supply, but yes, we're also gonna have a lot of demand. So, with the Messi SBC, it could potentially be dropping. And of course, today again on Friday, as we saw on Wednesday, we saw this, the Max 89 hero upgrade, you can't really see it all. It's kind of hidden behind my face cam here. But this is the Max 89 World Cup hero upgrade. It refreshes again today on Friday. So that high rated fodder is gonna have demand once again. If you time it perfectly, I think there's gonna be opportunities where you will see maybe fodder dip into content today or maybe right after content, but then it could potentially go up further at some point. I don't know, it's gonna be tough to watch and to really try to time. But there's going to be demand on that side of the market today as well. So just be very careful with your fodder as it is right now. If the fodder that is not in demand, right, we know the 88 pluses will be in demand because of that SBC alone. But if like, let's say 84s are not in demand today, they're gonna get slammed. 85s are probably gonna go down a bit more. 86s could go down a bit more unless that messy SBC is so crazy and so cheap that literally everybody is going and doing it. And EA gives us some other SBCs that are sick for like an upgrade pack, that sort of thing. Then I'd be careful with fodder. I'd wait to see what packs are dropped and what SBCs are dropped before trying to think about how the fodder is gonna move today. And we'll do that live on stream, of course. Now, as I look at the market right now, it might be like Nate. Or as you're looking at my account, like Nate, where are my coins? Well, regardless of what happens today, I think that these path to glory cards are seriously such a watch. I think there's gonna be a little bit more panic selling this morning.  Yesterday with the reward supply, I went on the companion app really quick and I picked up a couple of Kooti or Maros at 148,000 coins. He is up 10K. I picked up some Carrascos. He was like as low as he was when he was in packs. I picked up some Carrascos at like 140, something thousand coins as well, 145K. He is up to 160. I picked up Arajo at 192, I believe. And this card is up. Watch these path to glory today because guys, again, they are out of packs, right? Their supply is basically whatever's on the market and in there is their supply, right? There's gonna be no more tradable supply for these cards. There could be more panic selling on these today with the messy SBC, with all of the insane content that's gonna be dropped. Keep a close eye on PTGs, specifically from those guys that are maybe playing today, right? Maybe we have, of course, we have the second round of games starting back up today. So groups A and B are gonna be playing again. Big game, of course, USA, England, right? Everybody's been watching about that one and thinking about it. But watch the cards. If there's panic selling on a Kyle Walker today, that'd be a card I'd be a bit interested in just again because of the demand of these cards and the potential upgrade with their game being so close. So definitely keep an eye, watch out for those. Now, one thing that I have to say about the market in general is, and just players on this game, some of your hero cards are down right now too, right? If we take a look at some of your World Cup heroes, you see guys like Mr. Forlan who are in here and they are down a lot. Now, these cards I'd be a little bit careful with. Forlan maybe is down some because we had the Morientes SBC yesterday which I think is a decent value SBC. Nothing super insane, but at least it's decent value and craftable at 142K if you wanna get it done. Guys, what I really worry about today on this game is how much the market can bounce back after 6PM. Apart from PTGs, apart from these World Cup hero cards, that's what I'm worried about today. Is the market really gonna have that significant of a bounce back if the content is insane and B if there's so much supply and C to throw a third thing in here. When you think about footchamps rewards, footchamps rewards have been heavily nerfed and you guys know this, there are gold player picks that are in here now. Yes, EA is giving us an 83x5 pack that may or may not be tradable which could be very interesting to try and grind for.  I feel like it's interesting enough to some people that they might play but also an L enough for some people that they might be like nah, I'm just gonna watch a World Cup or play COD or whatever and not play weakly this weekend. And that might hurt the potential for a market rise on some cards today. Now the market always goes crazy on Black Friday, right? So if you can avoid where everybody is turning away from and think about what everybody is turning towards, the newest cards, the most hyped cards, that kind of stuff is what's gonna do best on the market today. So that's why I would really keep a close eye on the PTG cards. I think they're gonna be very, very investable. I flipped some of those Zambos that they had a nice profits on him. Calvin Phillips nice profits on him. Still have some of my rest over PTGs. And then these are the ones that I bought yesterday, right? Got the cross goes at 149. I thought I had two Couture Marios. I guess I just had one. And then I bought a Rahu in the low 190s. I think I bought one over 200K. So I've got a million coins to work with today. I'll probably look at PTGs again. But I think that quick flipping cards from the brand new promo team, right? The road to the World Cup cards that get dropped today. I think there'll be plenty of opportunities to flip these cards today. And I also think there'll be plenty of opportunities to flip the brand new World Cup icon. So keep a close eye out on those for today as well. Now also for today, a lot of people are probably gonna be ripping their 84 times, 20s times three right with the fodder packs. And of course, with the team in packs, you know, people will have an idea that they wanna go out and open those packs because there's best of team of the week that is out there. And of course, you've got the brand new promo team. So opening the 84 times 60 is something that a lot of people wanna do. And of course, you will have plenty of SBCs to rinse into, right, with player SBCs dropping with the 89 max hero SBC coming back yet again. There's gonna be plenty of SBCs we can rinse into. So that's why I say fodder is gonna be very, very important. And I think that people thinking about, okay, opening packs and all the SBCs that are out, that maybe takes a little bit away from the gameplay demand as well.  Today is just gonna be an absolutely nutty day. Now, let's talk theoretical just for a second, right? Let's say the messy SBC drops. You guys remember what happened last year when the Benzema SBC dropped and it was insane value. Like everybody went out and did it. Rail Madrid links last year and La Liga links specifically absolutely went to the moon after that Benzema SBC dropped. If a messy SBC drops today, I would keep a close eye on some of your PSG special cards even going for like Golden Boppy. I keep a close eye on Golden Boppy because his price might move up a little bit extra. If people see that messy SBC, they wanna go out and do it depending on the position of messy and stuff like that.  But I mean, you think about it, a lot of people are probably gonna wanna take a card like this and go use him with a brand new messy or maybe it's a Neymar, right? Maybe even Neymar's gold card or Neymar's inform. You can see a lot of bounce back on that side of the market with those PSG links, especially if you think about the way links go in FIFA. I would look at PSG links, I would look at Argentinian links and I would maybe look at some of the World Cup heroes that are from Ligon, maybe like Govoo, Papan probably not that much, but Govoo specifically, that'd be a card that I'm gonna keep an eye on as well with the messy SBC dropping if it is hype and if people are going out and building squads around that messy. So that's one thing I watch out for as well. Now, last thing I wanna talk about too is foot share if I do believe, tweeted out a card design earlier in the week that we have not seen anything else added to the code or any other announcements about it, but it's this foot centurion card design. This is the official design. It hasn't been added to the code yet. I haven't seen foot scoreboard say it or I guess it is actually official card design according to foot scoreboard. So I don't know when this is gonna be dropped as well, could this be a part of content today? It absolutely could. It's just really, really tough to tell when this card is gonna come, but I think that card design looks absolutely insane and if anything drops in the game today with this card design, I mean, a lot of people wanna go after it because it looks really, really freaking sick. So the last thing I wanna talk about too is if you're trying to buy cards for your team, like I said, I would not buy cards before content today whatsoever, I would wait because I think they're gonna end up dropping down lower. Same thing with the best up team elite cards that are in packs. Yes, of course, these guys had big drop offs from yesterday. It is not worth, in my opinion, trying to fluctuation trade with these informs. I mean, yes, Theo went from 150 down to 117 and he maybe went back to like one, he didn't even go back to 130, right? Right now he's 120K. These cards, they're gonna get packed more today through lightning rounds, through supply. Guys, like last year, EA dropped 100,000. I think it was 165,000 ultimate packs on PlayStation only as a lightning round. I mean, that's like, we did the math last year, I believe it was like 11 or $12 million that EA made in one hour of the lightning round. So that's one side of the coin, but also on the market, there's gonna be so much supply coming in and these cards are gonna get packed so much. That anything that is in packs today, I would at least wait. I mean, unless it's a super duper meta card, yes, people opening all those packs will bring coins to the market. That's why I like the PTGs. I like the World Cup heroes because they're rare because they have upgrade potential. Those should bounce back on the market first, but anything else that is either impacts like a gold card or maybe even an out-of-packs card, like an out-of-position promo item, like Reese James, some of these guys are almost at their minimum price. Parisich, Fred, yeah, you had to be kind of careful with some of these guys. A guy like this, Cancelo, is still super duper popular, 425,000 coins. Could he have it bounced back up at price today? Yeah, maybe if there's a six-city card that's in the promo, you see that card move. Maybe even Parisich with Sun being in the promo team. Maybe not that best of example there because the difference is probably in price, but watch out for your out-of-packs cards. Those will be a bit of a safer way to trade today. Icons will be a safer place to trade, and of course the heroes, the regular heroes, they'll move, but out-of-packs cards just don't move as much as they used to. I would really keep an eye on these PTG cards and look at the one. This would be the time, right? Because this is one of the most huge days in the game. If there's panic selling today and if you see low prices on some of these cards, this would be the time to buy again in a really good entry point because after today, people are not going to be as scared going forward to hold on to these cards. Yes, we could still have some really, really great content like if Messi does not drop today or whatever. You still could have some more drops on these cards later on, but I think from this point onwards, from Friday onwards, I don't think you're gonna see people as scared to hold on to these Path of Glory cards, which is why I'm a big fan of buying them up today. The only caveat to that would be if these cards are live as well. If we have another live card drop in the game today, that might hurt a little bit of the potential for a rise on the Path to Glory, but seriously, guys, that's why I'm just shouting these Path to Glory so, so much is because buy the guys you think are gonna do well, buy the guys from teams that you think are going to win and progress in the tournament. Whether it fits your team or whether you're buying it for an investment, these cards should increase in value for the most part, of course, if that nation continues to play well throughout the rest of the World Cup. So, that's kind of the situation. We will be streaming today, right? It's gonna be an absolute banger if they have content, of course, as always, and we're gonna be on for it. We're gonna be on early today, so make sure you check out the link down below in the description again. We'll be live early today. That is the plan, and I'm really, really curious to see how these cards are supplied. And again, the first lining around to the year on FIFA are it's always a crazy day with the supply. So I know I've said that a million times this video, but it's true. There's gonna be so much supply today that prices are probably just gonna keep dropping further into the nighttime on most cards. And then maybe see a slight bounce into Saturday, but then even go down further on Saturday as we have more and more content released. So it's gonna be one of those days where you're gonna wanna check your companion app every couple of hours. You're gonna wanna check the game. Even with the World Cup SBCs going on, the Flash SBC content, everything's gonna be feeling like it's a million miles a minute today on the game with all of the insane content that is going to be dropped. So if you enjoyed this video, smash the thumbs up on a comment level if you have any questions, and subscribe if you're new. It has been Nathan Ford, and I'll catch you guys later. Peace out.