Super wild card weekend is wrapping up tonight with the Rams versus the Cardinals. We are here to break it down from a DFS and betting perspective and get you set for what should be a fun wrap up to a good week of football. This is the FanDuel Live Q&A. That's right here on the FanDuel, YouTube, Twitch, Facebook and Twitter channels. My name is Jim Sonnis. I am a senior writer and analyst for numberfire.com. Joined here today by Josh Fuster. You can find him on Twitter at FYF Josh and of course a front yard fantasy. You've seen him here on the FanDuel YouTube page. Previously, he is in for Ryan Lancer today because Ryan's going to a basketball game. So Ryan, good reason not to be here. Excited to have Ryan back on with us in the very near future. But Josh, first of all, welcome to the show. How are you doing today? Oh, I'm happy to be here. Oh, Ryan, have a great time at your basketball game. Enjoy your time off. I'm happy. I could be here talking about tonight's game and really like you said, I hope it's a good one. We had a couple of good games this past week over the weekend, but I'm still, I need more. I need more again. I would like more because like the Saturday night game was dull. I mean, it was exciting to watch the bills like blow up because like, you know, I've lived near Buffalo-ish.  It's fun to watch Tom Brady still doing Tom Brady stuff at his age. And like, you know, my home's doing my home stuff. That's also fun, but I want a close game. I want an exciting game that goes down to the wire. And I think that we could get that for today with the Rams versus the Cardinals. So Josh, I'm glad that you're here to talk about what should be a pretty fun game. First of all, I want to hear your initial thoughts here at Rams versus Cardinals for tonight. So I was looking through the Fandalsports book. It looks like the Cardinals are three and a half point underdogs, the Rams are obviously at home. So they're the favorites here. The total is 49 and a half point over under. I think the Rams ended up winning this game, but I think it's going to be a really, really close game. If you, we were talking about a little bit pre-show here, I think the Rams win the game. You make me put a score on the game. I'm going to say 28 to 27. So I think it's going to be a close one. I would take the Cardinals with the points and I would take the over as well here. Okay. Okay. So we're both in the Cardinals side. Cause I did that the Cardinals plus four back on Thursday. So I'm going to ride with that and I'll touch in three and a half. Don't need to anymore. So I think we're good to let that one ride. I think that we're on the same page there. And basically what that means to me is we are both expecting a competitive game on both sides here, which brings us to the daily fantasy side of things and some questions coming in around Cooper cups. Let's start things off. You're talking about the MVP discussion over on Fandall. If you're new to playing Fandall for single game slates, the way things work is you get to pick one player. You think to be the highest growing player in the game. Put that player at your MVP. You get a 1.5x multiplier and no drama is wondering, do you fade cup there? Do you go Kyler? Do you go Matthew Stafford? Do you go with one of the running backs? So Josh, what about you? What is your breakdown of the MVP slot for tonight's game? So it's got, in my opinion, it's got to be either cup Kyler or Stafford. All right. Now you could mess around. You could play Sony Michelle in there. Maybe Zachards, that's too much for me. But for me, for my lineups, it's going to be one of those three guys. And you're asking, do you fade cup? I don't know. All Cooper cup has done this year is produced at a high fantasy level. He's leading the NFL in pretty much every receiving category or stat you could mention. The Cardinals are not necessarily the best passing defense in the lead. Cup is going to be in a ton of lineups. So he's going to have a very high ownership percentage, but it's difficult not to envision him being in the optimal lineup at the end of the day. So in my mind, cup is the safest start in a DFS slate for tonight's game. And I think he belongs in your MVP slot in a lot of leagues. Yeah. And I think that that makes sense. You look at the projections here over at numberfire.com. Cooper cup is the second highest score based on projections, but you can kind of go anyway because they're all three within point three points of each other between Stafford, Cup and Murray. And it does go to what you said where you're sticking mostly to those three guys as your MVP. I think that you mentioned Sony Michelle. I think that's very interesting. Cause I do think that there is some thought to potentially considering Michelle there depending on what you expect the workload distribution to be between him and can make us talk about more about later on. Maybe if James Connor can't go, I think you could consider potentially, you know, rolling out some Chase Edmonds in that slot as well. But we'll talk about the running backs in depth later on. As far as Cooper cup goes, I think the one positive thing here, like you're trying to find a reason not to fade cup. But I think, you know, my primary concern here is I want to find a reason not to the main reason not to is there is some really good value on this slay looking at some lower salary guys. Zachary, it's $9,000. His salary is very low. Tyler Higby is getting good work recently, $8,500. Van, depending on the shoulder, he did pop up on the injured port on Friday. And then was limited again on Saturday at $8,000. A.J. Green may get some more targets here with Jalen Ramsey working in the slot versus Christian Kirk, A.J. Green mentioned him. So I think that you do have some guys down here who are viable. And that to me, Josh says, I can feel comfortable putting in two of these three guys. If I go Kyler and Cup, the two ISR guys in the field, 9,000 left, I'm living in that Earth's range and I'm comfortable with that. So to me, I think that we can easily jam in two out of those three, which to you go with, I don't care, just pick two of those three and go from there. Are you as comfortable with the value as I am, which allows you to jam in two out of those top three guys? I am 100% with you on this one, Jim. I completely agree. I am trying to get two of Kyler, Cup and Stafford.  That's the question. That's kind of the game we're playing here. For me, I'm leaning Cup as my MVP in a lot of my lineups.  I like Kyler Murray's rushing ability. Like I said, he's a little bit more expensive than Stafford but the biggest question is whether Kyler's ceiling is enough to warrant his actual price tag. Yeah, it's a difficult matchup but I think Kyler has a great floor and a great ceiling. This is the playoffs. Kyler is going to be less concerned about staying healthy and more concerned about just winning this game. So I think he's gonna be running all over the place as well. So I like having Cooper Cup and Kyler Murray. And I think that's the key you mentioned where the playoffs do change things. You saw this with Josh Allen down the stretch during the regular season, he basically became Lamar Jackson effectively from a rushing perspective over the final five games carried over into that Patriots game on Saturday too. We saw this with Joe Burrow, Trevor Lawrence during the college football playoffs back in the day when things matter more, quarterbacks run more and Kyler did run quite a bit in that Dallas game, ran a decent amount against Seattle even though that game was proceeding. They could have still gotten the NSD West. They were trying very hard in that game. But I think the willingness to run should be there for Kyler. So to me, if I've got one single entry lineup I will go Kyler Murray as my MVP with Cooper Cup being the addition there on NoSex. I think that with Van banged up, with Odell's yardage output not being that great, I would expect the usage to be concentrated on a cup for today. So we're looking at those three guys for MVP. Now a question here from Rambo asking if James Connor is out, we don't know yet because he was limited in practice on Saturday. They're finally at practice. Listen to this questionable. Now with the Cardinals, we never get word ahead of time what the status will be. Usually we can like rely on an Adam Shaffter tweet at 1148 Eastern on Saturday night saying, hey, Player X is not gonna play with the Cardinals that is not been the case all year. So I don't think we're gonna know until an actives come out whether or not James Connor will go which is kind of a bummer but also for single game it doesn't matter too much. So we don't know yet Rambo. So I wanna talk to you, Josh. How are you viewing Chase Edmonds if James Connor plays and how are you viewing Chase Edmonds if James Connor sits for tonight? All right, and that's the whole question here. Does James Connor play or not? He didn't practice all week but he got in that limited practice on Saturday. Like you said, it doesn't look more and more likely like he does play if you ask my opinion.  Now Connor's ownership percentage could be really low if he does end up playing and maybe that's a way to find some value. Personally, he makes me nervous. I think there's a world where he could even play and gets a very small workload and Chase Edmonds is really the guy handling the majority of work there. So if Connor doesn't play, I love Chase Edmonds as a player. I really like finding a way to get him in lineups. If Connor does play it lowers my confidence a little bit but I like getting Chase Edmonds in my lineups regardless and I'm a little bit off of Connor personally. Yeah, with Edmonds he can come through even if Connor plays because the passing game work is so good. But I think that if he's out then I think that Chase Edmonds is in like the MVP discussion because the two games that have Connor this year Edmonds 80% snap rate he left with a rib injury in that game that Cowboys game but he was very active before that. 18 carries six targets in that game. The game where he was fully entire time 16 carries, nine targets, 127 yards 57% red zone share. He said 42% in the game against the Cowboys where he left early. So you're getting a featured back and you're getting a featured back for a very low salary. So we talked before about how I want to jam in two out of those top three. The equation shifter for me is if Edmonds is playing without Connor because you can make that work actually I guess so at 80,000 I can make that work. I can get in, you know go with AJ Green and Vanerson like that but I am less stars and scrubsy if we get Chase Edmonds with no James Connor because Edmonds will be pretty close to like a 100% ish roster rate at that point because the workload is so good. So to me, if we get Edmonds with no Connor he is at least a consideration at MVP and he is a borderline lock for an any flex spot. If we get him without Connor he's very much of a, you know a rotational type option not one I go to very often. I want to skew towards that stars and scrubsides type approach but still leasing considerations when I would say Connor, I don't think I would need a lot of stuff to break for me to get on him. So I think we're on the same page with that one there. Yeah, Connor is as much touch on upside as anyone you could name in the NFL when it comes down to it. But man, the only way I could feel good about putting my line up is the coaching staff comes out and they're like Connor's good to go. He's are starting to run it back. You never do. And they won't do that. So what am I even talking about here? Right, right. And the one thing that says Chase Edmunds apart like you've mentioned a couple of times is the targets he's getting. He is so involved in the passing game. He's a great pass catcher. Tyler Murray is going to have to check the ball down a lot in this game because the Rams have a really good defense. So we're on the same page there. Okay, so let's talk about the caliber check downs because most of the check downs have gone to Zach Erz and Christian Kirk ever since the Deandre Hopkins injury. Those guys have massive target shares. Now the one complication here is that Kirk operates a lot from the slot. In the game, they faced the Rams back on, I think it was week four. In that game, he faced Dylan Ramsey on 43% of his routes run. Ramsey did not play in the rematch because he had COVID. So we're probably going to see a lot of Ramsey versus Kirk for tonight. I don't think that makes Kirk a bad option. What it does is it pushes me more towards Erz being the primary pass catcher on this Rams team. $9,000, super low sour. You mentioned you like Zach Erz. Is he your favorite non-Kyler cardinal, assuming that James Conner plays for tonight? He is absolutely my favorite non-Kyler cardinal. A really weird way to phrase that in my part. Yeah, no, he's my favorite play out of all the cardinals receiving options, how about that? There we go. He's getting a ton of targets. He kind of seems like, he's been Kyler Murray's safety blanket, especially the last few weeks without the Deandre Hopkins in there. Over the last five games, Erz has averaged 10 targets per game, six and a half catches per game. He hasn't scored a touchdown in this stretch, but he is getting red zone targets. And maybe that's just something that keeps everyone from selecting him here. And that's part of why his price is a little bit lower. If Zach Erz does find his way into the end zone, I love, he's going to be a great DFS play. I think the Rams can be beaten over the middle of the field. Kyler and Erz, like I said, have developed this awesome chemistry in a very short period of time. I love stacking him with Kyler. Yeah, I do too. I think that he is kind of like Edmunds, where he's a core play for me. $9,000. You mentioned a lot of touchdowns and you cited that there is red zone work. There is a 25% red zone share for Zach Erz in the three games, or four games they played at Deandre Hopkins. Hasn't scored yet, but getting a lot of yardage, 74, 54, 84. So that's going to come back later on. We talked about some props. Just keep that in mind. What are your thoughts on Christian Kergin, AJ Green here on the Cardinal side? Honestly, I'm trying to avoid Christian Kergin, while he probably is the guy that's most guaranteed to have yards for this offense. Like you mentioned, he could be followed by Jaylen Ramsey. When you look at these guys, I am most nervous about Christian Kergin from a Rams perspective on defense. So I'd be probably most concerned about shutting him down, maybe putting Ramsey on him. I would rather play AJ Green at his price point. AJ Green sitting at $8,000 compared to Christian Kergin's $11,000. I would rather play AJ Green than Christian Kergin. Yeah. I mean, with those salaries, because again, we're talking about a start of the scrub type approach. Yes. Kirk doesn't fit that as well as AJ Green does. So I think that's kind of the key driver for me. So I think that we're on the same page there. Erz is the one guy. AJ Green, good value saver there. Let's transition over to the Rams here. DJ is asking about if we want to do a Cooper Cup bet of 100 plus yards and a touchdown. I want to see the odds on that because it does depend if that one's like a boosted. I was looking at his like anytime touchdown, it was like plus 170 or something. For Cooper Cup? Oh, it's minus 165. Okay, so there we go. So minus 165, his yardage probably. Minus 170, I'm sorry. Let's just, let's do a same game, Parley here quickly, really just with Cooper Cup yardage and anytime touchdown. And because it's receiving yardages right around there as well. So we go with that. That is a plus 152. It's not a bad number, DJ. It's not like the best number by any means because one of 3.5 is a good number. That's a very high number. You're cutting a little close, I would say personally. Also DJ is talking trash because Kendrick Bourne went off this weekend. DJ, I didn't celebrate the Kendrick Bourne touchdowns. I celebrated because I don't think about Kendrick Bourne for another couple of months. That was why I was celebrating because the Patriots got dusted. So Kendrick Bourne out of my consciousness for a very long time, I'm celebrating that. And you can celebrate, hope that you benefited from Kendrick Bourne doing well this weekend. Let's go back here to the Rams side of things. And Josh, I want to start things off with the running backs because that's another key decision point here is do you think that Cam Akers' role expands or do we continue to see Sonya Michelle operating as the lead back? I'm asking you because I don't know. So what are your thoughts on this Rams backfield? I don't think anyone knows for sure. Cam Akers, I mean, he just tore his Achilles over the summer coming into the season. And we know that's a pretty serious injury for running backs. Now we did see him in week 17. He got some work, it wasn't a very efficient at all, but he got a couple catches. He got some carries, but I'm mostly trying to avoid Cam Akers in any of my lineups. And honestly, it's incredibly impressive that he's even out there playing. I do believe that Cam Akers talent-wise is the best running back on this team. Hands down, there's no doubt about it, but that's when he's healthy. That's when he's sad, when he's been with the team, when he's been practicing. I don't think he gets the majority of carries or snaps for this backfield with Sonya Michelle playing so well lately. I mean, like Sonya Michelle in his own right, he's been getting targets. He's been looking really good. I think Sonya Michelle, I like playing Sonya Michelle. I'm staying away from Cam Akers. I think Sonya Michelle is guaranteed volume. I think we'll get 15 to 20 carries. And if they're winning the game, he'll get even more. He has, he's getting decent targets, like I said, really making him games grip proof in my opinion. I don't like prioritizing him because I think he's a little expensive, but right. You can beat the Cardinals running the football. Yeah, I think that looking at Michelle last week, you see an 80% snap rate, you see a 39% red zone share. It's important to keep in mind the context because early on in that game, I think it was their first drive, Cam Akers was in there on the goal line. He got a red zone touch. I think he had three total for the game. He got one early. Later in the game, when it became evident that they had to push because they were losing to the 49ers, they shifted things to being more centric around Sonya Michelle. I think that's an indicator what we can expect here. Now, yes, Akers is an additional week of practice, additional week get ramped up. I'm still expecting maybe not an 80% snap rate from Michelle, but I still think we're seeing 75 plus. And that's significant for a guy at $12,000. So that to me does translate to his being interesting for DFS again, not quite the optimal build we want to go with for tonight just because he said $12,000 kind of, there is a pretty high opportunity cost in going with him there because the 7,000, 6,000 value plays, not as appealing as the guys in the 8,000 range. But I do think that among the guys in the mid range, talking about Kirk, Edmunds if Connor plays, I would say Michelle ranks above them. So that's where I'm at there. I think that I do want to get there. I want to talk to you, Josh, though about the secondary Rams receive. So not Cooper cup. What do you think about Odell? If we assume van plays, we're out with him, Higbee, et cetera, et cetera. Any standouts for you relative to salary of those guys? So I kind of lump Odell Beckham and Van Jefferson together a little bit. If Van Jefferson didn't have this injury he was currently dealing with that kind of takes Van Jefferson out of the equation a little bit for me. So I think, but you can kind of define these guys very similarly. They're both big play threats. They're probably not getting more than seven targets in the game, but they both have developed pretty solid chemistry with Matthew Stafford. I think you could say that about both Van Jefferson and Odell Beckham, like I said, I would rather play Odell Beckham even at his current price over Van Jefferson because of the injury. The Cardinals are allowing the third most fantasy point to opposing wide receivers. And they've allowed 27 touchdowns, which is third in the league, I believe. So he's certainly a boomer, bust play, Odell Beckham. But if he does boom, then you're going to be really happy having him in your lineup there. Yeah, I think that I would also probably look at Odell because shoulder injuries matter a lot for receivers.  And so like with us not knowing what Van's shoulder injury is, what his actual health is, I think that's a pretty legitimate concern. Otherwise I'd have gone to Van. Kind of, I think what you were saying there, well, like there was no injury. Yeah, exactly. I think I would have gone to Van as well. I can get to Odell. I think the one thing to keep in mind of Odell is that the yard is upside has not been there with the Rams. He's been feasting on touchdowns. He's getting that because he keeps getting targets in the end zone. So like it's not totally fluky, but the yard is upside has not been there. So honestly, I'm okay passing on both and going with the, you know, the more top heavy approach, but I would go Odell over Van even considering salary just because that injury does scare me quite a bit. There's another pass catcher I would play over both of them. Is it Higbee? It is Higbee. Okay, let's party. Talk me into Higbee. He's really more of a salary saving option compared to Odell Beckham. Like I said, I would have liked Van Jefferson a lot more. I think we both would have if he's healthy right now, but he's not. Now a lot of people are hate Higbee. I'm gonna be honest with you. Just living in the fantasy community, people dislike Higbee a lot, including you, it looks like. I lost a lot of money on this guy earlier on this year. I loved him then. He's been playing pretty well. He's been getting solid targets. He could very easily find his way into the end zone in this game. At most he's getting six or seven targets probably. He's a lower ceiling, but I think he has a pretty solid floor. And like I said, he has just a good opportunity to get a touchdown as a lot of these other guys. I like playing Higbee at his price point over Odell Beckham. So if you look at the games they've played with Higbee since they're by, so since Odell became a full-time player, he's at an 18.9% target share that's actually third of the team behind Cup and Beckham. It's right behind Beckham. So I think that I'd agree that you were like, the separation between Beckham and Higbee in reality is not as big as separation of their salaries. So like if you're looking at things from a production per dollar perspective, Higbee is a better option. And I'd agree with you. Like as much as he burned me earlier on this year, I can overlook that. I just got annoyed every time I got a touchdown last week.  Just reminding me that this is what he could have done back in week three or whatever it was against the seed, I don't know, whatever it was, but like the bucks of that time, but just not my favorite, but I'm going to go there regardless. Do you get a question? I also think he is going to be a lot less rostered than Odell Beckham. I would agree with that too. I'd agree with that. I think you convinced Jay, because Jay says Josh is a legend. So you've sold Jay. I think this is during the Odell discussion, but I'm going to pretend it was on the Higbee distribution and that you sold Jay as being a Higbee guy for tonight. I do not make me the Higbee guy either. I am definitely not a Higbee guy, but I think he has some upside here. I think he has some upside. You can be the Higbee guy if he does well tonight. If he doesn't do well, we're not going to tell you to that. I love that. Let's negotiate that. Okay. Rambo is asking about kickers. We got Matt Gay and Matt Prater here. I think Rambo, what this depends on is the way you see the game flowing.  If you think that the Cardinals win, go Prater. That's kind of just the way it works. Also consider the way they operate with quarterbacks because if you have Kyler Murray at MVP, that implies you think Kyler's scoring touchdowns. If they're scoring touchdowns, they're not kicking field goals. So keep that in mind too. Quarterback and kicker, don't mesh that well and consider which team you think will win. So like if you go cup at MVP, then I'm totally okay pairing him with Matt Gay under the assumption that the Rams are ahead and stuff like that. Those are my thoughts on kicker. Do you have any different way you view things there, Josh? No, I'm right there with you. I completely agree. If I had to choose one of these guys, I know Matt Gay is a little bit more expensive, but it would certainly be him. Yeah, I'd agree with that too. Okay, so we've gotten consensus that you were the Higby guy. No, I'm not the Higby guy. Congratulations to you, Josh.  They have overridden our agreement we had in place here. So you're just the Higby guy regardless. Sorry or congrats. I have the people saying it now, oh no. I'm saying sorry or congrats, you decide.  You just love Higby, you know? We got all the frontier people in here making sure that it's known that Josh loves Higby. Let's slide over here to the Fandall Sportsbook and check out some props. Yeah, exactly. Let's check out some props for tonight. I want to hear you first, Josh. Anything standing out to you over a Fandall Sportsbook? Any value you've seen that you want to touch on for today? Yeah, so I personally think this is going to be a quarterback display. I think the quarterbacks are going to be on display this game. I am feeling really good about both the passing yard lines for both Kyler Murray and Matthew Stafford. Kyler Murray, when I checked right before the show, he was at 255 and a half. And I'm taking you over there. He's averaged over 270 passing yards per game when he's been playing. I know the Rams have a very good passing defense. There's no doubt about that. Kyler just threw 383 passing yards when he played the Rams a week 14. Kyler threw 268 passing yards when he played the Rams a week four. Both of those numbers are above 255 and a half. So I'm taking you over here personally. And then I'm also taking you over with Matthew Stafford's passing yards. I think it's going to be a passing showdown. Matthew Stafford's a little bit higher, 274 and a half. But I'm still taking you over. He averages 287 passing yards per game this season. And again, the two games he played the Arizona Cardinals, he got over 274 and a half. Okay, so we're going over with both Kyler and Stafford. I'm hoping the Kyler one hits. Because if Kyler goes over, that implies there's a good chance that Zacharitz goes over. His receiving prop is 54 and a half. That has actually gone up about five yards from what it was when I looked before. I am less enticed by it right now because that number has shown up. Yeah, it was lower, I will say that for sure. So maybe we're going to look again. He's projected to be the leading receiving yards as a leader for the Cardinals, it looks like. Yeah, let's see what the yardage is here. They've got a number of fires at 49. Maybe the value's gone. Okay, so I wasn't going to talk about birds. We're going to Audible. We're going to pull a Cowboys punt team unit here and pull an Audible. We need greens at 46, you know, that's kind of tough. I can't quite get to Kirk. I'm just going to avoid the yardage prop all together. We're just going to say no to that and go over to the rushing props and check out Sonya Michelle. It's rushing plus receiving yardage number with 68 and a half, it is still there. Thank you. Okay, we're good. The 68 and a half number I think is very fair. Last week, the yardage is not there for Michelle and the production was not there. This goes back to what we discussed earlier, Josh, where I think that Michelle will still be the lead back for this team, despite the fact Acres has an additional week being back now. Acres, his yardage prop was 28 and a half. It has come down to 26 and a half. So clearly the sentiment on Acres is souring. That has not translated yet to Michelle's rushing plus receiving yardage going up. So I think 68 and a half, I will take the over on that and it's a very fair number and ride with that. What are your thoughts? Do you think that's a little too high? Are you okay with this number right now? No, I actually love that. I love that. I'm going to make that bet. Okay, so thank you for pointing that one out to me. I like sending Michelle 68 and a half because I completely agree with you. I don't think K-Makers is going to be the guy this game. I don't think he's going to be the guy this year personally. Going into next season though, he will be, but that's not what we're talking about here. Sonya Michelle is the guy right now and he's going to continue to be for this game. I truly believe that. I'll take it. You've also been tied to Rondale Moore. So... What? No, the Rondale Moore guy. The happy guy and the Rondale Moore guy. Rondale Moore's yardage prop is 16 and a half. That might still be too high given that he needs roughly six targets. Yeah, he might not play, needs about six targets to get 16 and a half yards typically. So much as I love Rondale Moore, watching him shred my team in college, not quite going to get there for tonight. He just does so much at the beginning of the year. He had one, it was really just one big blow-up game where he was highly targeted and he kind of disappeared after that. But I love the guy's talent, but you're right. He's going to get a lot of, if he does get targets, they're going to be very close to the line of scrimmage. So you're right, he's going to need a lot of targets to succeed. We need Rondale Freed next year. I'll slip Cliff at 20, and we'll see if we can get him on the field a bit more next year. DJ, how's the Cam Acres line make you feel real fast? 26 and a half for Cam Acres. I know it's lowered. Do you think he can reach that, even getting 20% of the snaps, let's say? I'm either a stay away or under. I'm definitely not going over that number. I completely agree. The way I think about it is, if I'm getting exposure to being low on earths, or sorry, low on, I had the, sorry. If I'm getting away to be low on Acres, I'm getting it via the Michelle over versus the Acres under personally. So I think that's the way I think about it for me personally. Are you leaning towards the under on Acres? I am leaning towards the under on Acres, but I completely agree with you. If I'm going to fade it, I'm going to fade it betting on Michelle. Okay, final thought here, question from DJ. Would you fade earths? Sentence comes under the assumption that earths is low rostered. And I think that's a fair assumption, DJ. I think that's probably, or sorry, heavily rostered. I think that the fair assumption because the salary is 9,000, that's very low for a guy getting a 25% target share over the past four games. So I think that DJ's assumption here is correct. That earths winds up being pretty popular. For me personally, maybe it increased the incentive to go Higby over earths. Maybe you just go both, et cetera, et cetera. Maybe you go AJ Green as being the route. I think it's a consideration, DJ. I am not actively looking to fade him, though, because I think he's objectively under-salaried. That's where I'm at with earths. Josh, what about for you? You summed it up perfectly. Earths is under-salaried. He's got a really good price point, and that's why he's going to be heavily rostered. I like the point you made about maybe playing Higby over him, because while I would rather play earths, I think earths is going to have a better game than Higby. Higby, I do not believe is going to be very high of rostered. Sure, yeah, I like that kind of pivot. Double tight ends, baby. Let's just go both, you know? It's been working pretty well. The tight ends have been hot this week. That's right. Let's keep it going with your guy Higby plus earths. Josh's guy Higby. Got to remind you. The end scores for Higby regardless. After he scores his third touchdown, Josh, be sure to take a victory lap on Twitter. After the third touchdown, the second one hold off, and they put it everywhere. After the third touchdown, though, well deserved victory lap. I'll play it cool. I'll play it cool.  That is all that we have here. Yeah, yeah, exactly. The victory lap's got to come. That is all that we have here for today on the FanDuel Live Q&A. Josh, I want to say thank you to you for swinging by and joining me here. Filling in for Ryan. Find Josh on Twitter at FYF Josh and check out all the front yard fantasy guys here on the FanDuel YouTube page. Josh, enjoy the game tonight. Enjoy Zach Earths' second touchdown just as much as his first. And hopefully we'll talk to you again here soon. Thank you for having me, Jim. This was a lot of fun. Josh Higbee has been, you've been renamed. So congratulations. Josh Higbee. Josh Higbee, there we go. I'm on Twitter at Jim Sonnis, J-I-M-S-A-N-N-E-S. Big thank you to everyone for tuning in for today. Good luck to you with your DFS lineups, with your bets, and just enjoy what should be a good football game for tonight. We'll talk to you once again soon. This has been the FanDuel Live Q&A.


Hey guys, welcome to path to nowhere. We're going to be discussing the build for Hikate first and foremost I'll get this out of the way. She's one of your best Value rank a if you don't know that yet, so I'm not sure why you don't know that but again She's the best value a Rank a that I've been using you guys know know about her to start off with her skill priority Not all of her skills should be you know should be Leveled up At the same time So first priority would go to her ultimate Ultimate is her meat the meat of what she does Magic damage core damage to core damages to all enemies in a target grid So if they're all in one target grid then She's going to deal two or damages to each of them Again a very good core breaker You'll never find one with good value aside from her probably. She's one of the top good value core breakers at rank a Next would be of course Her attacks you should level up her attacks because Hikate is built Basically on dealing damage breaking cores So the rest would have to follow So first is limit lightless bearer next is delusion at two and third priority would be Dispassive into the night when a cat in nightmare deals damage So the enemy the enemy falls into a dream Each stack of dream increases the damage caused by kate and nightmare with 1.2 dream can stack up to 10 times That is why it's it's three because this passive has to stack and the last one is When the battle starts allies gain a 10 percent magic penetration bonus This is very helpful if you're if you built a all magic You know penetrate or a magic damage team, but at this point. I don't see you using That whole you know that that build So this one this passive Ghastly shadow is going to be last Okay, so that is it for her skill priority Lightless mirror delusion delusion into the night and ghastly shadow for that order of priority Next we have is her crime brand so out of the easiest ones that we can we can get I would be suggesting glory one syndicate because of the magic damage plus 15 and and damage received plus 25 percent I know there's a magic damage to 25 magic damage received a damage received 25, but It really is not that big as long as Your team is well built and he kate is concealed Very much that she doesn't need to take that additional 25 percent damage if Again, she's not on the front. Obviously. She's she's going to be at the back But again, this is a worthwhile investment for your crime brand. So equip her with this Previously I also equipped this with kelvin to add additional attacks So and this one is specifically for magic attacks. So additional attack attribute hp And magic damage increase of plus 4.2 percent Okay, guys. So as far as deployment is concerned, usually he kate is at the back Of somebody she's supporting in the front So probably somebody who has less her attack. It really depends on what you have and Take note that core breaking for kate can be used anywhere. So it's not a problem where you place her Uh, but She doesn't really have that area effect that she needs to be bothered with in terms of placement So anywhere in the field you can really place her you can place her at the back In the middle probably So again, she's not she's not she doesn't pose a problem in terms of placement at the start And again, as I've said core damage can be dealt anywhere in the field So again, feel free to place her where you can She does not really need to be placed in in the front So again, feel free to place her on which of the front lines she will be supporting For he kate's shackle level. I already have her at five The only thing that I think you should go after Is number four Number four is ultimate energy consumption is reduced by three So this actually hastens Her ultimate and also hastens her core breaking number four is very important number five is just extra attack But if you could, you know have four That is probably the time that I think that you already have her where she needs to be Five would just be the icing on the cake. The others is Damage taken is reduced by 15 percent at three another plus an attack at Five percent at two and one is every time the ultimate is released the next damage from lightless mirror increase up to 10 Increase it to 10 up to 30 percent. So again, four is a must reach This makes her Very very efficient in core breaking. That is why I'm telling you to reach up to four at least So she's ranked a she's kind of in the middle of the pack in terms of gaining copies. But again, you'll get there anyway Okay, so we're talking about her phase three So opening up opening up phase three will open up her exclusive crime brand So new exclusive ultimate forbidden nature when he kind of deploys Nightmare to a grade it can block two enemies and has 120 percent of icatus hp 60 over attack and 160 over defense And magic resistance stays for the entire battle forbidden nightmare can only be used Once per battle take note of this only once but again, this is a very very good crime brand to have You have an extra Extra figure so not figure extra unit on the battlefield which can block two So take note of that this, you know, this makes her You know increases her value further up because of the additional Additional someone that she has which can block two and again. I think she is a much She is a must at phase three. She's very worth it guys I don't think you'll you know, you'll you'll say that she isn't worth it with this additional crime brand And also guys Right now she is well worth Your investment for anything Um, I'm sure that you guys are going all in on investing on her So make sure that you invest well on her especially on skill Also on shackle and also on crime brand. So thank you very much guys. See you in the next one


I think you are all familiar with the big corporate events like general shareholder meetings of big companies, really exclusive and big events. So this year we had a coronavirus pandemic so that such big events were not possible at all. The German legislator reacted very fast and introduced the act to mitigate the effects of the pandemic and he made it possible for stock companies to hold their general shareholder meetings only online, like without any physical presence of shareholders. You have to know that under the German stock corporation law an exclusively virtual shareholder meeting is actually not allowed.  The German stock corporation act says there must be a place of the meeting which is understood as a physical place. Moreover the scholars say the shareholder has an irrevocable right to be physically present at the meeting and therefore cannot be forced to participate online. That's why we don't have any experience with a real virtual shareholder meeting. So my research question is what can we learn from our new experience in this pandemic year? Is a really virtual shareholder meeting something to be retained in the future? And if the answer is yes, which features of the new law of the I call it the COVID Act can be a blueprint for a future legislation? I used two approaches. The first was to look at the legal provisions of the COVID Act to compare them with existing laws and with what we already know about the subject in order to tell if these provisions should be retained in the future. Are they a good law or a bad law? I give you an example. The COVID Act repeals the right of shareholder to be physically present at the general meeting. Is it good or bad? To answer this question you can look at the reasons for the right of physical presence. Some scholars say we need it because many shareholders have no access to modern communication technologies or cannot use them properly. But is this argument still true? We see that the handling of online meetings, online corporate events is getting better every day. And as for the shareholders, they have to use modern technology if they want to participate at general meetings in 2020. So one can hardly argue it is impossible or too difficult for the shareholder to learn how to use these technologies. That's why the abolishment of the right of physical presence is probably a good idea. The second option is to look at the legal facts. As I committed my research this year, companies were sending their shareholders invitations to general meetings. So one could see if the company have decided to hold its general meeting virtual only or not and which features of the COVID Act the company use. My key finding is that the COVID Act is a helpful crisis act. And the general idea of an exclusively virtual general meeting is good. But on the other hand, many of the provisions of the COVID Act are purely crisis provisions. For example, the COVID Act gives the management the power to hold an exclusively virtual general meeting without being authorized by the statutes of the company. It is clear that many companies were not prepared for the sudden outbreak of the pandemic and therefore have no provisions on virtual general meeting in the statutes. But in the future, the statutes must inform the public of how the meetings, the general meetings of the company are held because this information can help someone to decide whether to buy company shares or not. The other point is that the COVID Act is rather weak in dealing with shareholder issues with shareholder rights. The big problem is the right to ask questions. Normally a shareholder can ask questions during the general meeting, thus reacting flexibly to the events of the meeting. According to the COVID Act, the management can stipulate that the questions have to be submitted to the company no later than two days prior to the meeting. And many companies have already made use of this option, thus limiting the rights of their shareholders. So the main idea of an exclusively virtual shareholder meeting is good, but the details like shareholder issues cannot be a model for future legislation because in a future legislation we have to ensure that the shareholders participating in the virtual general meeting have the same rights as the shareholders participating in a physical meeting. In the legal literature, the calls for exclusively virtual general meetings have never ceased. They are a cost-reducing factor, like the company don't have to rent a location, the company have no calls for catering, and so on. And this cost-reducing can make German corporate law more attractive for investors. I don't think we should ignore this fact. The experience gathered under the COVID Act will probably play a big role in our future discussion on how to launch an exclusively virtual general meeting in our stock corporation law. Like other areas of law, corporate law will be significantly influenced by digitalization in the future. In the future it will be possible to form companies exclusively online. It is already stipulated by European laws or that legal framework have to be created for it. In order to form a company online, we will need online notarization. Another big issue is the use of artificial intelligence in the internal decision-making of the company. A lot of legal questions arise in this area too. So virtual shareholder meetings are only a part of a big puzzle. It is in the nature of things that law mostly lack behind technical development. But we have to ensure that this delay doesn't become too long so that our legal system remains internationally competitive.


Knowing what to look for in a hospital can save your life, especially as you age. Patients who are frail and undergoing elective surgeries for things like knee or hip replacements are at a particularly high risk of dying in the days following an operation. Wanting to minimize this risk, a research group from Canada looked at which hospitals were most successful in treating these patients. They found that the best outcomes were in hospitals that saw many frail patients each year. The group looked at data from over 63,000 frail patients who underwent elective surgery at more than 80 hospitals in Ontario. They grouped the hospitals by the number of frail patients cared for in a year and then looked at how survival after surgery related to this patient volume. 100 seemed to be the magic number to reduce the risk of death. Patients seen in hospitals treating 100 or more frail patients a year were much less likely to die within 30 days after surgery than those seen in hospitals treating fewer than 100 frail patients. Although complication rates did not vary between hospitals based on how many frail surgical patients they cared for, frail patients who did experience a complication after surgery were less likely to die as a result if they were cared for in a higher volume hospital. These hospitals were better at recognizing and responding to early warning signs with potentially fatal repercussions. These findings suggest that when frail people are trying to choose a hospital, they should check the number of frail patients that institution serves. Although the researchers weren't able to pinpoint exactly why patient volume was so important, their work will help these patients choose hospitals that are better able to save their lives.


Learning about multiple intelligences in the land of Oz. We're off to see the wizard and to learn about multiple intelligences. The wizard of the multiple intelligences theory is Dr. Howard Gardner. A psychologist and educator, Gardner based his theory on the notion that intelligence can come in different packages. Gardner theorized that there are several relatively independent areas of intellectual competence. He later added two more areas, naturalistic and spiritual intelligence. Let's take a closer look at the original seven types of intelligence. Linguistic intelligence is the ability to use language, sensitivity to order, the ability to argue, persuade, entertain, or instruct with spoken words. Logical or Mathematic intelligence. The intelligence of logic and numbers, ability to handle chains of reasoning, ability to recognize patterns and order, ability to think in terms of cause and effect, and the ability to create and test hypotheses. Musical intelligence. A sensitivity to pitch, melody, rhythm, and tone. The ability to sing in tune and keep time to music. The ability to listen to musical selections with discernment. Bodily or kinesthetic intelligence. Is the ability to use one's body skillfully, such as in playing sports or dancing. The ability to handle objects skillfully. Hands-on people. Good tactical sensitivity. Spatial intelligence. Acute sensitivity to visual detail. The ability to draw ideas graphically. The ability to orient oneself easily in 3D space. And the ability to visually perceive the world accurately and to recreate or transform aspects of that world. Interpersonal intelligence. The ability to understand people and relationships. Be adept at perceiving and responding to the moods, temperature, intentions, and desires of others. Intrapersonal intelligence. Is the ability to access one's own emotional life as a means of understanding oneself and others. The ability to discriminate among different emotional states. And the ability to use one's feelings to enrich and guide one's life. Now that you know a little more about multiple intelligences, let's visit the land of Oz to try to figure out the intelligence of some of the students there. Your first student is so reticent to participate in class that you could almost call him cowardly. He is introspective and unassertive. He tends to hang back from the rest but usually has a thoughtful comment to make. He is the first person to champion the rights of others but most likely by signing a petition. He has a strong ethical sense and that's no lion. Which student in Oz do you think this is? It's the cowardly lion. What type of intelligence does the cowardly lion have? Musical intelligence and intrapersonal intelligence. We give all of these students credit for musical intelligence for their skipping and singing on the yellow brick road. Your second student's lack of coordination and bodily control keeps him in his seat throughout the class period. This is fine though because of his articulate manner of speaking and exceptional writing skills.  His communication skills and thoughtfulness make him a natural leader. He's outstanding in his field. Which student in Oz do you think this is? It's the scarecrow. What type of intelligence does the scarecrow have? Linguistic intelligence, logical or mathematic intelligence, musical intelligence and intrapersonal intelligence. Your next student is always concerned about her classmates. She has been known to bring snacks and a basket to class. She is kind to small animals, particularly dogs. She is always meeting new people and she usually invites them to join her on a journey. She is a great team player. Which student in Oz do you think this is? It is Dorothy. What type of intelligence does Dorothy have? Linguistic intelligence, musical intelligence and intrapersonal intelligence. This student has an uncanny knack for understanding his fellow students' feelings. He is very empathetic and always takes the time to listen to anyone in need. He worries that his people skills may become a little rusty, but those who know him would disagree. Which student in Oz do you think this is? It's the tin man. What type of intelligence does the tin man have? Linguistic intelligence, musical intelligence and intrapersonal intelligence. Your last student is known in the class for her calculating style. She is a born organizer, but she has a tendency to fly off the handle when her plans are disrupted. She likes order, control and reason. If things don't add up, she has a meltdown. Finally, which student in Oz do you think this is? It's the wicked witch. What type of intelligence does the wicked witch have? Linguistic intelligence, logical or mathematical intelligence, bodily or kinesthetic intelligence and spatial intelligence. Congratulations on recognizing the various intelligences. You have completed this learning activity, learning about multiple intelligences in the land of Oz.


Hey guys, today I'm going to show you how to lift a heavy wheel Not hurting your back your lower back upper back mid-back side back all kinds of back so this Rim weighs 25 pounds this tire weighs 60 pounds.  Yeah, no problem If you're on your own This is what you do you position yourself like this This is still gonna be heavy. This is a heavy as we'll you roll it on to your left leg Then you roll it on to your right leg and then You know hold on firm then you just Kind of get up with it. There we go 85 pounds easy Did not bend my back at all. So let's try this again. See just kind of getting up 85 pounds guys


Hey guys, how are you today? So I'm actually procrastinating a little bit. I should be doing video edits and voiceover work, but I decided to play with these instead. So I just got in today a set of 12 brush-o-color crystal colors. I decided that I liked the little samples that my friend and fellow Shannon Green YouTube fan and Lou Jean Martin having issues with my memory this morning sent me all these little packets and samples of brush-o's quite a while ago And I've been playing with them recently. I love them so much I decided to order a set of 12 The basic set of 12 which had most of the colors that she sent me in it There are two packets that are not in this set that are from one of the other sets So I'm going to set them aside for right now. I've got this little set of mini salt and pepper shakers There's 12 of them in here and they come with this little Chrome little tray and we're going to put our brush-o's in the mini salt and pepper shakers So this is how what we're going to do and I'm of course I'm going to label them So as I do it, I need to make sure I put the bottle Nick the salt and pepper shaker next to the bottle so that I can get my label maker out and put labels on them but I made a funnel out of paper and We're going to open these up They're brand new they just came in now this one is emerald Emerald yes, and I happen to have emerald And I'm going to just double check the color chart. They send me and make sure there's not two emeralds So we're going to dump this packet into that because they they're supposed to be both emerald emerald Put them together a little different, but just assume they're labeled correctly All right, I'm going to pop the cap back on I'm gonna shake it up So there we go So now you don't and you don't have to do this of course You can do what many people have done and poke a hole in the top of your bottles and using that way I just thought this was cuter So now I have my brush-o in here and I can sit it back in the tray after I label them all So I'm going to do that and I'll be right back Okay, that was very messy, but Look at how cute they look in the little tray Yes, but see if yours I got to wash that off Murphy's oil soap will get most of it off FYI I forgot how messy brush-o's are I would recommend if you're gonna play with brush-o's or you're gonna Transfer them into another container. Definitely wear gloves, which I forgot to do the paper funnel It drove me crazy. So I actually found an extra Squeezy bottle top and I actually use that as a funnel and that worked like a charm In fact, I'm gonna hang on to this and stick it in my parts drawer But yeah cute I got them all labeled and they're in their little tray and I can have them You know put away in a drawer and when I want to play with them I can pull the tray out and Play with them and I can sprinkle them in the little containers there in and of course you can like I said You can leave them in the bottles they come in and just poke a hole in the top But I had these so I thought I thought that was cuter. All right, that's it for right now Don't forget to go out and have a great day everybody Do something nice for yourself because you deserve it and I'll see you later


Hi everybody, Joe for jashby's casebreak.com doing a random number block randomizer for this group of teams right here Jets Steelers dolphins eagles and rams. This is for pick your team at 33 That's how the number block works if you're not familiar with it. I think this group is familiar with it though. Good luck There the numbers right there. Let's roll it. Let's randomize it three and a one four times one two three And I want fourth and final time We got Adam down to Nick Three and oh one four times for the numbers one two three And oh one fourth and final time after four. We got eight down to three All right, here's how it shakes out Adam with eight Ryan with nine Jacob with four Edward zero mark with one Adam with six Nick with two Adam with five and seven and Nick with three Let's order these numerically and coming up in the next video is the break jaspyscasebreaks.com


The First Square Gospel Church in Nigeria has announced the death of its former general overseer, G.O. Dr Wilson Badejo, aged 74. The National Secretary of the Church Rev. Yomi Oyinloye said in a statement that Badejo, who was the church's G.O. between 1999 and 2009, died on Saturday after a brief illness. Oyinloye said that the church was greatly saddened by the loss but encouraged members to take so less in the fact that the least G.O. led the fulfilling Godfaring and impactful life. According to him, Badejo left behind an indelible mark in the heart of everyone who came his way. Oyinloye called for prayers for the family of deceased and the First Square Gospel Church in its trying time. The First Square Gospel Church in Nigeria has announced the death of its former general overseer, G.O. Dr Wilson Badejo, aged 74. The National Secretary of the Church Rev. Yomi Oyinloye said that the death of its former general overseer, G.O. between 2000 and 2008, was in the first square g.O. Badejo, aged 66. The first square g.O. Badejo, aged 70. The first square g.O. Badejo, aged 80. The first square g.O. Badejo, aged 60. The first square g.O. Badejo, aged 80. The first square g.O. Badejo,


Kaj je zelo, da je zelo, da je zelo, da je zelo. vstening se za toj stran. Sveče bo so vsredne, knocked chaini, tkdje pa se všel lebe na vse vacu, na končne tudi se zbogaj poške. sent碳š, že je pomečno da je nekaj to poškodnje, nače se vse več aspezo, ne kaj je za srečenek, tudi se ga poživovati na to, očolega, nače bo poškodni, čak se je vstano ne in za to, pr tools and the necessity of relevance for the financial services industry and that's what I would try to do in my keynote address. So, why this can be relevant for financial markets? Well, the blockchain developed specifically for Bitcoins but the concept of distributed ledger is certainly not by any means limited to crypto-currencies or payments so every system that currently relies on trusted central authorities for the transferring recording of assets ownership could teoretically be replaced by a distributed, by a distributed in the centralized system such as distributed ledger. So why blockchain is such an attractive concept? Well, basically with the blockchain you can see who had something, who owns it now. You have the fact that the parties involved actually committed to each other electronically and signed it with cryptology to ensure that it was authorized. So you could see all these things and more importantly you can do all these sort of things digitally. So this will all happen in a very short time frame compared to the current time allocation that is needed for such type of operations. So one of the first benefits that is very often discussed is transparency. So this brings transparency all over the system. But there are other important points and one of those was certainly mentioned already by John and that's about the distribution of information. So currently as the system is built, you have multiple information, so multiple set of the same truth or of the same story. So basically you will need to reconcile all those informations every time. So one operator will have to reconcile the same information and check if the information is the same with the other operator. So you have, well, this takes a lot of time, it takes quite a huge effort and a huge amount of database information. So one of the things on which certainly a blockchain could help in the financial system is reconciling information. You will have, with a blockchain, you will have one single set of information which is immediately shared and acknowledged by all the party involved in the debate. So this is certainly a big step forward. So the information basically will be kept across multiple servers and there will all be updated simultaneously. So whatever you, the only thing you will need to know with this system is basically checking the blockchain. So this will reduce cost, make things much faster and reduce settlement risk for things like payments and trading. So what is the thing that I see the financial industry can develop as a first thing in the near future? So we are talking here about a new technology which will probably take far longer than we expected to be fully deployed. But there are certain things which I believe can be happening in the short frame and I'm talking about two, five years probably. I think first developments can be happening in what is called the permission at blockchain. So this is basically a closer network of participants where everybody knows each other and allows each other in. They have an exact copy of the distributed ledger data and basically in a private one, so you're just saying you trust everybody which is on the network because you all have agreed to join it so information will be immediately shared among them. So only a limited number of people are given access to the chain but you still have the benefit of the decentralization. So not any more different copies on the system which means identical records will be shared and security, they will all be basically secure because as John was explaining before, the system is quite secure at the moment and the transaction cannot be amended anymore. Now this of course will bring several benefits which the financial sector is looking at and this will be cutting cost, gaining speed again and get security from the process. In a permission ledger in particular, you will solve a lot of the problems which have been mentioned over the last months like the problem with the power needed for doing all of this and the scalability. Of course this all seems very nice and if we say it this way it looks amazing but there are some concerns and clearly the system as it is will still need a lot of work to be fully workable. So first of all there are significant risks and a number of fundamental questions that will need to be addressed seriously. One of those is the confidentiality and misuse of the information. So it is true that the system is fully transparent but I'm not entirely sure that the information that will be available to everybody then could be potentially misused and that's one of the first problems from which we could be worried. Then of course there is the problem of cybersecurity. We said several times that the blockchain is of course very secure, very difficult to be hacked. Is this actually true? Will this actually be possible? Everything can be hacked nowadays so this is one of the issues. So this is one of the issues of a continuously growing network. So the more the network will be growing the more power will be needed, the more difficult this will be to be managed. And here we are talking only about a system which will be used for record keeping. So if we moved on other aspects which is the one that was mentioned several times where trading of security so transferring of security was one place to the other well there the problems will be even more. So before transactor 47 million transactions per second so getting there with the new technology will be quite challenging. Now there are also other issues very important on the regulatory side and that's here where we also, as EBF we are already starting doing some concrete work. So given the substantial efforts made over the past years to make the existing financial system more resilient and more stable I see it very challenging for regulators to now face and deal with the blockchain. It comes out of the blue and basically the blockchain tells us we don't need any more central authority. So I think this would be a kind of big challenge that they will have to deal with this. So I firmly believe that we should not step for innovation as it is with preemptive regulation and the technology is too premature. That's clear at the moment. However at the same time I understand the fact that we will have to follow the developments of this technology and we will have to probably accompany it. So that's why for example we very much support the idea which was mentioned yesterday in the parliament by Mr. Vojvain Sager and then also backed by Hill of creating these task force at commission level. Certainly we hope that this will be an open task force where the industry will be able to participate as is happening now in several aspects at commission level where we can actually contribute to the debate and really understand if there is a need of regulation and where we can intervene. There are certainly aspects that we will need to look at if we want the technology to be fully deployed from a regulatory side, regulation or things which perhaps will block and prevent the developments of this regulation. Then another important aspect is to understand if we want national regulation to be to start developing instead of having a European one. That's another debate and another question that will for later discussion. Then my conclusion, my closing remark is blockchain the panacea that we are all looking at for solving all our needs. Well, I think the straight answer is no, certainly not. But it can be an important factor for the developments of the financial services industry in the coming years. And I believe that the best way to address this technology is perhaps identifying the problem that we want the blockchain to solve. And then once we have found this using the technology, developing the technology and making sure that this can be actually applied to these problems we want to solve. That's a bit what the banking industry is trying to do, I think and certainly we will discuss this more and more over the next months and years.