Welcome everyone. Thank you so much for joining us for today's panel discussion. I'm Fran Siegel, Executive Director of the US Impact Investing Alliance, which is a nonprofit organization dedicated to building the impact investing ecosystem. We work in a number of core areas including contributing to a more enabling public policy environment for impact investing, working with select asset owners on shared opportunities and challenges, and partnering with others to build our movement. I'm really looking forward to today to discussing the work of a very unique collaboration called the Response Recovery and Resilience Investment Coalition, the R3 Coalition for short, which was named after a common crisis response framework and was formed in the early days of COVID-19 pandemic to help mobilize and streamline the impact investing response. Today it's clear that we're not in the midst of just one crisis but a number. COVID-19, the ensuing economic fallout of increasing awareness of systemic racism and of course climate change. And so I suspect that this framework of the three Rs will continue to evolve alongside our changing circumstances, perhaps reflecting the need to reimagine systems beyond achieving resilience and we'll talk about that today. A moment ago I called the R3 Coalition unique because of the level of collaboration and established trust was unprecedented in our field and indeed I think it was made possible by the unprecedented nature of the crisis set we were at that time and still are facing. Back in March as it became clear that the public health crisis would continue to snowball into a massive economic crisis, I think many impact investors were eager to step up but needed some forums, R3 being one of them, to do so in a more coordinated fashion. It's our hope that the impact investing field can build on this powerful model of cooperation going forward. I'm thrilled to be joined by three tremendous panelists, Amit Bori, CEO of the Global Impact Investing Network, also known as the gym. Audrey Obara, Senior Investment Manager in the Nairobi Kenya Regional Office of Swed Fund and Meredith Shields, Managing Director of Impact Investing at the Sorenson Impact Foundation. We will leave time for audience Q&A at the end of the session so please pose your questions to the panelists using the chat box function and feel free to do so during the time that we're speaking so that we can comb through them and lift up some of your questions. So again, thank you Audrey and Meredith for being here today. I'd like to start by delving into the story of how R3 coalition came into being. I remarked a moment ago about the encouraging though admittedly atypical nature of this level of collaboration among investors, foundations and network organizations. And I think that that speaks to the severity of the crisis set at hand that those involved would take a leap of faith quickly and mobilize together. The Alliance, for example, jumped in and was excited to join the R3 coalition effort as a partner network to help amplify the work. So Amit, I'd love to start with you. Could you share a bit about the early motivations for forming the R3 coalition and speak to the structure of the group as well as the strategies and activities that have emerged from the coalition? Absolutely. Thank you so much for that introduction Fran and I'm really thrilled to be here with my fellow panelists as well as everyone we have in the audience. If you can take yourselves back to early March, it feels almost like a decade ago given how much things have changed since then. The genesis of this was at this time at least in the United States and my organization is headquartered in New York and so that's where our staff sits and we at the time we had an event planned to gather our members here in New York City that we of course had to cancel due to the pandemic. But we were working very quickly to move our team to make sure that they were safe and working remotely and managing those transitions. But also we're working to mobilize our members as many other networks all around the world. We had actually had an email exchange with one of our members and the Open Society Foundations with John Hinton there about how we're trying to mobilize and act investors to play our role in responding to the crisis. And we ended up having a conversation about how it might be an opportunity to try to drive something across a coalition of networks effectively. For those of you who don't know the gen we are a network of impact investors as their name would suggest that includes over 300 organizations in 50 countries. Our full network includes over 30,000 people around the world. But we work with a variety of other networks and very quickly we work with a set of great foundations. So Meredith is representing one of the six foundations that came in to support the launch of the coalition as well as 12 networks, the gen being one of the 12. We ended up staffing the secretariat if you will. So just a wonderful colleague of mine, Katrina Know, who's in the audience, has led the coalition and the real orientation was around these three phases. The immediate response, the broader recovery, and how do we shape more resilience in the system as we emerge from the crisis? We knew that would be a multi-year effort and then one that would involve impact investing in different ways along that trajectory. So in the early phase, we knew that like the immediate response that government would be front and center, of course, as they should be with a public health crisis. But there would be targeted opportunities for impact investors to play roles and helping to fill gaps and finance opportunities that could help stem and contain the crisis. In the recovery, you know, I think there's a huge role for impact investment to play and for investment to play broadly, and ultimately to shape a more resilient system. The work of the coalition was organized around three pillars. And so one was around co-investment convening, so how we actually would get members of the 12 networks together around specific opportunities to put money to work in companies that are playing a role in responding to the crisis. The idea is if we could shorten the timeline between, you know, to when a company would get the financing you needed, that would help, like, maximize the role in responding to the crisis. We also, and I should mention that we had, I believe, over eight convenings. Many were in health but also in food and agriculture, water and sanitation and even education. We also worked on issue briefs from a research standpoint. So how can we, you know, capture findings quickly, kind of real time? And it helps disseminate those two impact investors who could use that research to inform their work. And last but not least, we have a communications component to this work, which is really helping the broader, you know, kind of market understand that investment plays a critical role in responding to the crisis. You know, as a complement to the efforts of government and nonprofits. And so those three pillars really organized our work. And it will, before I close out, just really want to thank all the partners who participated as Fran alluded to it, it was an incredible, you know, degree of like collaboration. It was incredibly challenging time.  But it was, I find it quite energizing to see how many of our partners stepped up so quickly to figure this out with us and to make sure that we were doing our parts. With the crisis of this nature, we knew we would have to collaborate differently. And you know, our communities very much stepped up. Thank you. Great. Thank you. Thank you all. Meredith, I'd love to go to you next and then Audrey, asking specifically about your motivations for becoming involved with the R3 Coalition and what your experiences have been participating in the investment convenings in particular. Sure. Hi, everyone. Good morning. Good evening, depending on where you are. I'm Meredith Shields, managing director at the Sorenson Impact Foundation. And excuse me, I'm also in DC where we're having like a second wave of allergies. So apologies. The Sorenson Impact Foundation is a family foundation. We're located in Salt Lake City, Utah.  So as of this moment, we invest out of our programs related portfolio in early stage ventures that are doing social good around the world. And we also invest out of a market rate portfolio that is now a fully diversified impact investing portfolio as well. So our motivations for joining the R3 Coalition, stem from the mission that we have, which is not only to invest, but also to accelerate the field. I think Jim Sorenson would say that his vision is that impact investing is investing.  So for a while now, we've recognized that we spend so much time sourcing deals. We send people all over the world looking for opportunities, talking to entrepreneurs, developing relationships. And then we have a team of people who died, rigorous amounts of due diligence. And we're the only ones that benefit from that. And that that's not something that sits well with our organization, and certainly not Jim, who wants to promote the field overall. So we have over the last couple years experimented with different ways of sharing information. But what we liked about the R3 Coalition is that we felt like in this moment, they were quickly assembling a group that could overcome the biggest barriers to teamwork and collaboration. So in the financial sector, we know there's this sense of a proprietary deal or a proprietary process. And in this moment in this year, we can't think that way, we need to work together, we need to move faster, put more money at the door. And the R3 Coalition, by bringing people together, to share deals more broadly to develop trust to develop transparency, was able to do just that. So we have presented three of our deals over the last couple of months. We have tried to bring other partner networks into the organization as well. And so for us, what the moment that the R3 Coalition seized to meet this crisis is a moment that we also hope will be a launch point for the broader impact investing field to continue to work more effectively and efficiently over time as well. Thanks, Margo. Audrey, are you are? Can we hear you? We can't. Okay, do we think that there's any way to troubleshoot like, what about that idea, if Audrey calls you and that you can put her on speaker? Or if anyone in the chat has any, someone said, you could use your headset, but I think you've already tried that, Audrey. I'll work on it offline to see if we can get audio via phones. So Audrey, I'll shoot you a quick email and we'll try to set this up. Okay, all right. Well, Meredith, if it's okay with you, we'll we'll stick with you for now as I'm at an Audrey troubleshoot a little bit. But but we'll want to go back to the the R3 Coalition went when we can hear Audrey. So we'd love to move to the response phase. So again, the R3 Coalition, the three hours refer to response, recovery, and resilience, resilience, and then we are kind of adding a fourth or potentially reimagining, which is perhaps resilience as part of that. Thank you, Meredith. So wondering, if you alluded to it a little bit, Meredith, in your opening remarks about, you know, the old world of flying around and doing due diligence, could you talk a little bit about how in this moment of COVID, how has it changed your the way you operate? Have you created new approaches to impact investing or use new tools? And how have you supported investees and potential investees in this in this new phase? Sure, sure. Well, I mean, I think like a lot of organizations out there, everything we're doing right now is new. I'm sitting in my house, and my team and I, we see each other on little boxes on a screen, just like this. And I'll kind of take through the way that we've approached this. And so first of all, we, we have a portfolio of about 50 early stage companies who initially, we wanted to make sure that we could support in the best way possible.  And being able to get our portfolio company stories out there and in front of others. And frankly, find co investors who we felt like would be supportive to the companies, but also people that we could work really well with to try and try and save the work and the impact that had been created prior to earlier in 2020. So part of the changes that we're making, so we've made changes all levels of our process. On the pipeline level, we can't fly around the world, I guess we could, but we're not right now. And so we are relying on our partners and the R three coalition has been a great source of deal flow for incredibly valuable to to dial into a call and hear and see principles from our partner organizations, explaining their investment thesis, their impact thesis and why they proceeded with an investment. We found that to be much more powerful and helpful in getting a deal from the lead to the actual pipeline. Then some some previous efforts we've seen. Aside from deal sourcing and looking at partners for that, we're also conducting due diligence virtually, which talk about a process and a norm of the industry that is a little taboo to disrupt. There's there's always been I think of a feeling that if you're not meeting a management team in person, if you're not going out and kicking the tires, if you will, and seeing a company, then how do you make a good decision? And we've answered that question through again, collaboration. So word you're going to hear a lot in this this session. But from a due diligence perspective, we have a number of partners who we trust and we have been able to accelerate learning about and developing trust in through this process. And bringing all of our collective information together, a meeting of the minds, if you will, has enabled us to overcome that hurdle that we can't we can't fly to Nairobi right now. We can't fly to India and meet companies, but we can work virtually and then rely on our partners to help us develop a meaningful level of information. So that aspect of our process has changed and then find very committed to sharing information in the biggest way possible. So some people compliance folks who might be listening to this right now are cringing a little bit. And that's something that we explored. But to the extent that it's allowable by our compliance and legal team, we share everything from our pipeline to our due diligence, all any and all research that we conduct. And we were doing that before informally. Now it's very formal and methodical. And our hope is that things like that will continue because it it feels like all boats rise by changes in our process like that. Does that answer your question? Thank you. Any word from Audrey? I could Katrina is working on it. So I'm available to you and training my joint. Okay, um, we can hear you. But there's a feedback loop of the audio. Okay. Um, yes. Yes, we've got it. Audrey, the younger companies, you know, being able to do that a bit faster than what we want to work with. Audrey, thank you. And can you continue on a bit and share a little bit about how you have approached new potential investees, how you have supported existing investees during this time, perhaps in a in a different way than you have in the past. Audrey, thank you. And we can hear you perfectly. So thank you. And thank you, Katrina. Except, um, maybe, Audrey, when you're not speaking, if you can both Katrina and Audrey mute yourselves, because we're getting a little feedback, I could maybe be able to mute you. Okay, I'm it. Thank you for for being patient. So one of the key components of the R three coalition that you alluded to in your opening remarks was the collection of market intelligence related to the financing needs of companies and best practices and strategies to meet those needs. And I have really admired how rapidly and thoughtfully the GIN research team has gathered information and delivered valuable research to the field at this time when we when we desperately need ideas around how to work with investees. So I'm wondering if you could highlight some of the key findings, especially in so far as they might align with some of the strategies that Meredith and Audrey lifted up. Yeah, absolutely. And actually, they mirror them quite well, I think just to highlight some of the experience that we saw. So early on, I mean, it was really wonderful to to work with a lot of the partner networks to try to surface data about what's happening. Normally, we we often end up at events like SoCAP and others to get a read on the pulse of what's happening in the market. And of course, that wasn't available to us in that way, particularly earlier in the year. And and so it was very important for us to get the information, the hands of investors during incredibly volatile and uncertain times that help them be as effective at responding to the crisis as possible. We actually partnered with them with Andy, the Aspen Network for Development Entrepreneurs on one of the pieces that really looked at kind of some highlighted some of the research that they had done and added some that we were doing around, you know, how investors were responding to the crisis in general and what were some of the sort of need surfacing. We also did a specific piece on some of the issues that both Meredith and Audrey highlighted around like portfolio protection, like, you know, how are investors trying to shore up the companies that they're already invested in and help them weather the storm. And we found that, you know, in the early days in particular, a lot of investors were of course focused on that about how they can support their portfolio companies, whether it's with capital, with technical assistance, with, you know, it's, you know, Audrey mentioned PPE and just getting some basic equipment that to sustain operations, but also things like how do you kind of like adapt your supply chain and then how do you think about like opportunities, you know, to, you know, adapt your business model in light of not only the near-term impacts, but the, you know, expected longer time horizon of the effects of the pandemic. One of the things that we found, you know, early on in some of the research, you know, was also that there was, you know, a number of investors, I think it was around a third who are really trying to identify better, like more impact investment opportunities as their key challenge. But a greater number were actually focused on the issues that Meredith spoke to around how do you actually conduct due diligence and process deals in your pipeline with the shifts to physical travel and communication and access to data. And so a lot of investors were really working to adapt their processes, you know, very quickly and identify new ways of collaborating, you know, and as Meredith said, that is a theme you'll hear loud and clear in many different levels in this conversation about many investors restricting partnerships of partners trying to figure out how they can trust co-investors and rely on their due diligence and analysis and be follow-on investors in some cases so they could still source new deals with organizations that they hadn't worked with in the past. The last research brief about before that I do want to highlight something that's really important and I think gets to some of the Fran wanted to speak about later in the conversation was that given the inequities that were highlighted by the pandemic, huge issues around socioeconomic inequities, you know, and those were exacerbated by kind of like differences in race and ethnicity and in gender. We found that a lot of existing impact investors were revisiting their practices more broadly about how they can build more resilience into the way they invest writ large. So not just kind of COVID response deals, but how they could actually reflect on representation in their management teams, on their investment committees, how they source, you know, different investment opportunities from different communities, how they actually build businesses that are more responsive into racial and gender differences. And that last piece focused on resilience and social inequities, I think was a really powerful piece that highlighted a lot of adaptation that investors were doing in just a span of a couple months to really try to like back up this interest in working differently with real action. And we did highlight a number of investors activities, including so on some foundation work on this. And I do, you know, recommend that as something to take a look at. They're all pretty short briefs. They're brief by design and designed to be very digestible. But the idea is to surface some of the real time adaptations of lessons that investors are highlighting throughout the flow of the unfolding of the pandemic. Thanks, Amit. And that's a great bridge to what I wanted to explore with you folks next. And that is the second and third ours, recovery and resilience, which are as important as our response efforts. And we've already touched on a couple of times that there is likely a fourth hour of reimagining. And you touched on that we're a missed, a long overdue reckoning with systemic racism, white supremacy in our institutions. And so it's not just enough to rebuild existing systems that have racism in the in the in the roots of that system. But many of us feel like we should be thinking about and acting upon a full scale reset So I'm wondering how each of your organizations is thinking about recovery and broader systems change. Meredith, I'm wondering if I could start with you again if you could share some thoughts. Sure. So first of all, I'll say I'll give you a little context for how we thought about change and then I'll lay out what we're changing. In the midst of this crisis, as Ahmed and Fran said, we saw that the system isn't working for everybody and it's really not working for a lot of communities. So we thought that it was imperative on us as a member of the impact investing community as a member of the philanthropy community and as a member of the finance community, which is a critical aspect of the functioning of our society to examine what we've been doing that could potentially be contributing to the problem. And I mentioned this before, but I think a lot of industries are full of cultural norms and historical traditions and just the way things are done. And so within our organization, the first thing we did was examined the way things are done and determined whether or not there were aspects of our process that were inadvertently leaving people out, leaving communities out and potentially exacerbating a problem. And so as we as we listened and learned and went through that process, a couple of things stuck out to us. So first of all, I have to admit, usually this time of year in San Francisco, we have like 20 people all over SoCAP meeting entrepreneurs. And we and we have great portfolio companies that have come through meeting entrepreneurs at SoCAP and other conferences. But when you think about that, you can start to recognize that that method of deal sourcing that wasn't our primary method, but that method of deal sourcing leaves a lot of people out. This is a conference in one part of the world that requires you pay to go. And so things like that, we took a hard look at and decided that from a deal sourcing perspective, we want to be more intentional. We have intentionally reached out in our developing relationships with U.S. Black and Brown founder networks and entrepreneur support organizations. And instead of instead of only letting the entrepreneurs come and find Jim and pitch, we are reaching out and seeking to source a more diverse pipeline of potential investments. So we're taking our legacy process and adding to it. The next thing that we have done is we put some metrics around this like we would do for any portfolio company. And our board has mandated that at least 25 percent of the companies that go through our full scale due diligence, so the big long work up will be from Black and Brown founders in the United States. And so that is part of our commitment to make sure that we are intentionally sourcing from diverse communities. Another thing that we're doing is focusing on at a broader level, democratizing access to capital building, building wealth in communities we believe is really important to to creating a more equal playing field. And so through efforts like like we're supporting Village Capital's Abica platform, which seeks to match investors and entrepreneurs on the basis of the deal stage and company match versus a warm leader relationship and other other ideas like that we have we've been supportive of in terms of trying to think through how can we make access to capital more widespread. And again, that's part of why we're sharing our deal flow. And we're also looking for others to share with us as well. And then finally, another initiative that we're undertaking is we're developing a post investment support technical assistance facility, which I know Audrey and Swed Fund already do really well. But we we invest in very early stage companies often in low income communities over 80 percent of the beneficiaries of our investments are in low income communities. And we want to make sure that we're not just writing a check. We are providing a level of support that's helpful in getting those companies to the next next level so that they can create opportunities for their communities overall. And so that's something that you'll hear from us soon. I might be mentioning it prematurely, but offering technical assistance and trying to work to support entrepreneurs in their four communities is another change in our process that's coming as a result of 2020, if you will. Thanks, Mara. Audrey, can you talk a little bit about how Swed Fund is thinking about recovery and resilience as well as broader systems change? Thank you, Audrey. The gym and other organizations in our field are thinking about broader systems change when we think about capitalism itself and wondering how the current crisis set has shaped your thinking around the urgency of broader systems change. Yeah, thank you for the question. And for those of you who've followed some of our work over the years, a couple of years ago, we came out with you kind of a market strategy, if you will. So this is coming up on the 10-year anniversary of the gym, the 20 of the term impact investing. We wanted to take stock of what was happening in the market and really take it like a sharp look at where the opportunities were going forward. So we published this document called the roadmap for the future financial markets. And the reason it was orange around the future financial markets was this recognition that if you care about impact on issues like addressing poverty or climate change, what was really critical was to not just grow the impact investing market or your own deals or portfolios, but rather to look at how we can like shift the overall system. So how we can have an impact on investing itself. Now, the COVID crisis in many ways has accelerated the urgency of this, as Fran put it, but also I think increased the opportunity for driving real systems change. And because I think there's a much broader recognition of some of the words that Meredith shared around that. Like the system we have today is not working, right? It's not working for people. That's not working for planets and it's not working well for investors. And so one of the things that we well, a couple of things that we've been plugged into is we've been working with a number of other organizations around something called the new capitalism project, which is the goal of that is to share is to develop a shared vision of what the future of capitalism could look like. I realize it's a bit lofty, but really trying to stick together a shared vision and agenda from all these great efforts that exist out there around things like impact investing, benefit corporations, inclusive capitalism, regenerative capitalism, sustainable capitalism and so on. But trying to see if we can identify what is a shared kind of vision for what that future would look like. Another project that our core coalition, sorry, network that have just recently been joined is called imperative 21, which is really focused on setting a new business imperative for the 21st century. And there are nine different groups that are part of that, the gym being one of those. But the orientation is really on how do we drive the development of the capitalist system that is more responsive to the needs of all stakeholders, not just shareholders, but also customers, employees, communities and the planet. They actually just launched a campaign several weeks ago called reset capitalism that you may have seen it had. It was on the stock exchanges in New York and NASDAQ in Brazil and really had visibility all over the world. But the idea was to start to stimulate a conversation of how we can change capitalism to be more responsive in the needs of all stakeholders, how we can design for independence, how we can invest for justice and how we can account for the impact on the broader set of stakeholders. But I mentioned these efforts, like New Capitalism Project, the imperative 21 effort, all hopefully in service of a broader systemic shift that I hope everyone in the room sees themselves as part of. How can we actually make investments, recover from this crisis in a way that leads towards a better system that is more resilient and more inclusive on the other side of the pandemic? Thank you, Ahmed. I want to live in that world. Me too. Most of us do, and many of us in the field are excited to partner on this. And encouraging folks to ask any questions in the chat because we'll turn to your questions in a moment. But it just occurs to me that as we're thinking about broader systems change, as we're thinking about access, as we're thinking about wealth, income, gender, racial, equality. So much of these big systemic shifts require real collaboration, radical collaboration. And I think that the crisis set that we have been experiencing and attuned to during the last six, seven months has engendered a lot of reflection from those in the field. And we have many of us have taken this radical collaborative posture. And I think our three coalition is a perfect example of that. I'm struck by how you all have mentioned the word trust and how trust is really required and trust is really important in collaboration. And wondering if any of you have thoughts on how we can build on the momentum of these models of radical collaboration going forward in our field. And happy to have, you know, anyone jump in who wants to wants to do so. I'm happy to speak if there's no tankers to lead. I think in many ways, they're just reflecting on kind of what we have going on in the world is that like it is in some ways it is like the worst time to try to attempt new collaboration in part because everyone's spread so thin, everyone's weighing kind of the weight of like what's happening to their safety. Their families, what's happening to their communities, their organizations, their portfolios and so on. But I do think that, you know, a global crisis does require global response and it did create an openness for everyone realizing like that we do need to figure out ways to collaborate differently. And I think we're wrapped with the R3 coalition. I hope is just the beginning of that. We have like people have engaged in different ways and it's still very early for kind of a global collaborative effort like this. We're just I think about five months in and yes, it's the launch of it. But I do think this overall notion of like, you know, how do you create more opportunities to figure out any shared agenda and share vision and work towards that while recognizing that there are different approaches, different priorities, etc. It's really important. When we think about an issue like systems change, obviously that is it's hard to get your head around what it would take to the entire system. But it is essential that we collaborate and whether it's you know, across networks and investing or it's necessary for business and NGOs and governments. Absolutely critical. But I think one thing that on this theme of trust is really important. I do think one of the multiple crises we're experiencing at this moment of the world is a crisis of like trust and confidence. And so part of that, what's really important for us to, you know, I think turn the tide, you know, on that current is really to invest in building the real trust and invest in the relationships, even if we have to do it through Zoom and other platforms. But ultimately, it is like our interdependence that we'll lean into and our kind of interconnectedness that will really pull us out of this crisis. Thank you, Almet. Audrey, Meredith, would you like to hop in? Yeah, I was just going to say I really appreciated how Almet phrased it. But I do think, you know, one way that we've been thinking about this question internally is that as investors, we go out and speak to entrepreneurs and industry leaders, and we ask them to disrupt for good. We want them to change the way things are done and create a better world. And we feel like it's really important as an impact investing community that we ask ourselves the same question. And collaboration in my mind is one of the ways that we can do better and work faster and do more. And so I think as we think about how do we accelerate and build on these frameworks in the future, it's going to take a little bit of a culture shift and maybe even we need to see a tipping point of enough organization saying yep, we're going to try something new. We're going to change our process and that's going to be OK. And as soon as we see enough organizations doing that and committing to that, I think we'll start to see the benefits. It collaboration tends to lead to more effective, efficient, faster results. And once we can see that my idealistic hope is that we change the cultural norm, we change the way that things are done for the better. Like like we ask our entrepreneurs and our innovators to do. Thanks, Meredith. Audrey, would you like to hop in? If I may add to that an advice we have been giving right now. Thank you, Audrey. I'm just scanning some of your questions. There seems to be a cluster of questions around access to capital issues, which is something that Mark that Meredith touched on a moment ago. And this feeling among impact entrepreneurs and even impact enterprise NGOs, a for profit and nonprofit, you know, what is the way in? And I think, you know, one of the promises of our three coalition is access. But the point of access, my understanding is that you need to have an investor be supporting your deal in order to bring it within that forum. And so as we think about access to capital issues for women, black and brown entrepreneurs, tribal entrepreneurs, other folks of color, how can we create more access to capital at this time, especially? I can start there. So like I said before, I think that if we as a community take a look at what we've been doing, there's been some inadvertent exclusion in and access to capital is not available for everybody and hasn't been. And so the first thing is removing some of those barriers and, you know, not to pick on conferences, but just to think through how much of your deal flow comes through mediums that are only accessible to some people. And then also using platforms that remove some of the warm lead aspects that could cause you to prejudge an investment, maybe even without knowing it. So Abacus platform, which I think Katrina sent out over the chat is one way or three, of course, is another where you get to see the benefit of everybody's deal sourcing in one place and learn more about a company maybe that you wouldn't have ordinarily learned about. And I think just the word intentionality sticks out to me. So if you want to improve access to capital, you have to be willing to take a step back and look at where your blind spots are and track yourself and make sure like is our pipeline reflective of the opportunities and the needs in society? So that's how we think about it. Mm-hmm. Audrey, you lead the sweat fund work in Kenya. And how do you think about implicit bias in your work, given that you're serving a broad geography? How do you think about access to capital issues in your context? And so one of the things that we are doing in the world, you know, Libya, you know, places in Africa. Thank you. We're nearing the end of our time together. And I was wondering if we could end on a high note, although I think that this conversation has been very hopeful and very much about collaboration in the future and systems change. But, you know, Amit talked about us thinly. We're all spread and that this has been a very tough year. We're facing an interesting election in the United States in just a matter of weeks. And I'm wondering if you could each share something that has emerged as a silver lining for you during this time of unconfluence of crises and Amit wondering, maybe I can start with you. Sure, yeah, absolutely. And I do, you know, it is just so important to acknowledge that this has been such a challenging year and there's no way to sugarcoat that, of course, but I do think one thing that is emerging that we've seen is that in the second quarter of the year, like things were pretty quiet, at least in our networks. And, but more recently, we've seen a lot of inbound interest in impact investing. And I think as we pivot to the recovery from this crisis, many investors who would not attend a SOCAP or would not attend a JIN investor forum or participate in these networks that we all work with, you know, are now actually starting to recognize that if they want a world that is inclusive, just and sustainable, that they have to invest differently. So I think this is a big moment for when everyone on this call is working on around like putting impact front and center for investing more broadly. I don't feel like in Pollyanna about it or you know, that this is just, I'm just going to be easy, but I think the discipline that impact investors have honed of putting capital to work have a positive, measurable impact is something that is going to have a lot more interest and attention from major institutional investors, family offices, foundations and others. So it's an important time for us to really try to center their recovery around impact that it builds in these issues that we've been talking about like around inclusion, sustainability and creating access and opportunity for more than our systems have passed is absolutely critical. So that's what I'd posit for the silver lining of this, if you will. Great, thank you all. Audrey, what has been the silver lining for you during this tough time? Thank you, Audrey. Meredith? Sure, the silver lining in my view is two part. First, without echoing too much of what's said before, I think a rational person always says collaboration is great, but in this time where resources are constrained and people are stretched too thin, it's almost worse. It's required. And so something that's exciting to me if we need a silver lining is that I do think we're going to see more instances of where winning or secret sauce comes from caring about impact and doing it effectively by collaborating with others. So what I mean by that is taking a multi-stakeholder approach. I think the companies that win coming out of this will be the companies that think about how they treat their employees, how resilient their employees are, how they can reduce turnover, reduce health issues, focus on upscaling. And another issue is that we're seeing exacerbated right now. And so if we need something positive to look at, I am hopeful that a good outcome from this crisis will be that the companies who succeed will be the ones who actually dedicate some time to thinking about the impact that they have on the people that they serve as well as their employees, investors, et cetera. Merida, thank you so much for those closing thoughts. Audrey and Amit, thank you for sharing so much about the spirit with which you bring to the work at this time and before this time. But it's great to hear about the collaboration and trust. Great to explore the R3 coalition as an example, a very vibrant example of how collaboration is in action. And I'm trying to, in the spirit of passing along from shareholder capitalism to stakeholder capitalism, I think that what you're all talking about is rather than, I'm stammering, but what I wanna say is impact primacy. And I think that that's what you're talking about. So moving from the encumbered paradigm of shareholder primacy to one of impact primacy, kind of multi-stakeholder. And so that is something that animates me and has been a silver lining. And just wanna thank you so much for your work and the spirit of collaboration that you bring to it. So thank you, and thank you to the folks who have joined us today. Thank you for your comments and wishing you a great SoCAP. Okay, thank you, everyone. Bye. Bye-bye. Bye.


Hey, this is Brett and this 2019 Ford F-250 Crew Cab Short Box XLT is stock number 12661Z. We are here at Summit Automotive in Fond du Lac, Wisconsin, you're new and used heavy duty truck headquarters. This 2019 Ford F-250 has the 6.7 liter power stroke diesel engine. This truck has been fully safe and inspected by our service shop per the state of Wisconsin inspection process. It has a fresh oil and filter change, all the fluids have been checked and tapped off and this truck is 100% ready to go. We're going to go all the way around underneath, inside, start it up and take a look under the hood in this video. Dark stone metallic is the color and we shoot all of our videos in 1080p, 60 frames per second. So if you have HD capabilities on your computer, tablet, smartphone or television, I highly recommend turning them on right now because it is your best way to check out the quality, condition, options and cleanliness of the truck before seeing it in person. And if you like the video and how we do things here at Summit Automotive in the upper right hand part of the screen is a subscribe button to our YouTube channel. Consider clicking that and then if you do click the bell notifications and you'll get updates on the videos we do each and every day here at Summit Automotive. This one comes with the painted alloy rims. It has Bridgestone Duler AT tires. These are LT 275 65 R18s. Rims are in really nice shape and these tires have a lot of tread left on them. I'd say probably about 60 to 70% of the tread left on those tires. Frame and underbody is exceptionally clean on this truck. I do believe this was a Southern truck. Front fenders in excellent shape. Headlight lenses are nice and clear. The front bumper and lower valance are in excellent shape as well. I didn't see any dents or dings on there. You do get the chrome trimmed grille and the hood is in excellent condition as well. Passenger side front fender is in really nice shape. I didn't see any major dents or dings on there and the passenger side rim, no major scuffs or scrapes. As you go down the side of this 2019 Ford F-250, take note of how clean the body is, how reflective and mirror-like that paint is. We take these HD videos so if you are far away or even if you're close by and just cannot make the trip down but you're still interested in purchasing the truck, you can see the truck, hear the truck, and have confidence in the vehicle that you're looking at before you even get here. So when you do get here there's absolutely no surprises and you can make a smart and informed buying decision from wherever you're at. And if this video helps you make that decision, let your salesman know that you saw the video, that it was helpful, and that Brett sent you. Back rim is in excellent shape as well. On the back we have Yokohama Geolander tires. These are LT27565R18s as well. And these tires look like they are almost new. I'd say 95% of the tread left, you can still see the little wear knobs on there. Frame and underbody is in excellent condition as well. And it's like that all the way underneath. Has all the remaining factory exhaust. Cab corners and lower rockers look good. And it does come with factory painted step bars. Down the rest of the side of the truck, the box looks really nice. I didn't see any major dents on there. Coming around to the back, rear bumper is in great condition. It does have a full towing package which includes a receiver hitch, four pin and seven pin wiring. The tailgate is in excellent shape as well. Didn't see any dents or dings on there. And this one comes with a drop in Dura liner bed liner. And that's in pretty nice shape. It does look like it possibly was used for painting at one point. Coming down to the driver side, just as clean as that passenger side. I really like these four by four stickers. I think they match the truck really well. Down this side of the box, no major dents or dings. And for full disclosure, this back rim is in excellent shape as well.  Down the rest of the side truck, doors look really good. Didn't see any major dents or dings. And it does have the driver side door code entry. We do have the code for this truck. And if you ever want to figure out what your door code is for your 17 to 22 super duty in the upper right hand part of the screen, I got a video showing you how to do that. You can see the two main mirrors, built in directional signals. These telescope out like so. They also fold in like that. Inside, the XLT package gives you the gray cloth interior. There are no rips, there are no tears on the seats. They are in very nice condition. Comes with factory floor mats, auto headlamps. I believe these lights are for the lights on that headache wreck. Power windows, power locks, and power mirrors. Inside, check out the miles, radio, and everything that this truck has to offer. As soon as I go grab the keys, one second. Alright, here we go. Get the built forward, tough animation there. And you can see that this truck has 43,964 miles. You do get the digital speedometer, compass, display, instrument cluster is very nice and clean. Steering wheel, you get cruise controls and information center controls on the left. Bluetooth and audio controls on the right. This one has the six speed automatic transmission with the optional tap shift. You get the AM FM radio on here. And it does have serious XM radio capabilities. This is also where your backup camera shows up when the truck is on. Factory exhaust brake, stability control.  And down here you get the USB and the 12 volt power point. Two more 12 volt power points right there. Passenger side seat and floor mat are in excellent shape. I didn't see any rips or tears on there. And the headliner is in very nice condition on this truck. And you do get map lights up there. We'll take a quick look at the back seats and then we'll start it up. And take a look under the hood. I'll also show you the backup camera. Back seats are in excellent shape as well. It does have the latch child safety system for any child car seats you may have. Fixed glass rear window. These seats do fold up and you get a storage container back here. And that can fold down nice and flat. Got to get the other side to unlatch though. But that does fold down nice and flat. You can see the carpeting and floor mats are in excellent shape as well back here. Side curtain airbags. You do get child safety locks on the back doors and the bottoms of the doors all look really good. Of course this is an aluminum truck so you'd expect the bottoms of the doors to look good. Let's start it up. Starts right up. No check engine lights or anything like that. There is your backup camera and you can see that that is working nicely. I would personally like to thank you for checking out the video today. And hopefully from this HD video you will have been able to verify the quality condition and cleanliness of this truck all the way around inside and out. Under the hood we have the 6.7 liter power stroke diesel engine. Engine base very clean, runs very smooth. Once again this truck has been fully safe and inspected by our service shop. As a fresh oil and filter change all the fluids have been checked and topped off. And this truck is 100% ready to go. There is your mission sticker. I wanted to show you the door stickers real quick here. As I have been told to show those. There is your tire and loading information. And then your vins sticker right there. Alright. Really a nice truck. And I hope the video was informative and helps you make a smart decision on this one. And I would highly recommend this truck this 2019 Ford F-250 Crew Cab Short Box XLT from a quality and condition standpoint. And to see more pictures of this truck on one of our other 450 new and used cars, trucks, SUVs, minivans, wranglers, half tons, three quarter tons, one tons. You name it we got to go to that website right there www.summitauto.com Full pictures and descriptions of every single vehicle from two locations all at www.summitauto.com. And if you'd like to check out more HD videos you can go to www.youtube.com or www.summitauto.com. Remember to like, subscribe, and share on this video and all the videos that you see there. Click the bell notifications. You'll get updates on the videos we do each and every day here at Summit Automotive. In fact, in a second you'll see a link to subscribe to our YouTube channel on the upper left. Link to more F-250 videos like this one on the upper right. Link to this vehicle on our website on the lower left. And link to one of our latest YouTube videos on the lower right. Click those check us out. And we're super excited to help you with this Ultra Clean 2019 Ford F-250 Crew Cab Short Box XLT and Stone Gray Metallic. Thanks again for checking out the video. Remember to like, subscribe, and share.


Hey everybody, I'm Lance Coyke and today we're gonna talk about the difference between Cardio days and lifting days and maybe how you want to structure your week of programming now I've got the whiteboard behind me and I've got two separate colors one for lifting and one for cardio Let's say lifting is red because that's pretty red Amped okay, let's say My goal is just to have the best body that I can so I'm gonna need to maximize my muscle growth and Maximize my weight loss my fat loss not my weight loss, but my fat loss So I'm probably gonna say you got to work out four times a week You got a you got to lift four times a week. Sorry. That's that's the only kind of workout I guess in my mind. So let's say we're gonna lift Lift Red Lifting will be on Monday Wednesday Friday and Saturday Hopefully you can see that and that is a dim dim red. I apologize Monday Wednesday Friday and Saturday now our Cardio then oh man, that's easier to see ain't it Purple Cardio then can fill in other days now It's not that I have to do it on Just those free days And it kind of depends on how I choose to do it so there's basically two different ways that The American College of Sports Medicine is recommending that you do your aerobic stuff. It's either three times a week of vigorous Exercise for 30 to 60 minutes or it's five or more times per week of Moderately hard exercise for 30 to 60 minutes So why would I choose one over the other? Well, if I feel like I'm super fit and I don't have that much time and I'm really motivated to do this then I might go for the three times a week vigorous exercise. I'm gonna go in there maybe 30 minutes I'm just gonna push it really hard and maybe that'll be enough now that the issue is that sometimes people will do this and They'll break down. They won't really last for very long I am definitely one of those types of people a lot of the clients that are attracted to training with me this Cerebralness They are the same way, right? They have these these troubles pushing their bodies So especially when they start to get fatigued their technique is compromised. We talked about that already in a previous video so For my situation I might try to do more frequency more amounts of or higher Frequency of training so I might go for the five times a week moderately hard intensity and maybe do 30 or 60 minutes there So for something like that, I would I would definitely want to put it on these off days You could take one of your days totally off. That is a way that I recommend people do it sometimes and I could double up on Monday and Friday Saturday, maybe It doesn't really matter. I mean I could you put it on Wednesday I could do it on Sunday and not do it on Saturday. That'd be fine, too Not really like it's not really that big a deal. You don't have to be super weird about that now The idea here is that I don't want to just go into the gym And try to do everything. I can't do my cardio day and my gym day at the same time because those are somewhat competing demands The the molecular signaling that signals Muscle growth actually inhibits cardiovascular growth and vice versa. I think vice versa, but The the lesson being if I have a cardio workout It's going to inhibit some of my muscle building. So I want to separate those things I want to maximize the muscle building from my lifting workouts And then I want to take a nice long break and then I can do my my cardio stuff So if I do get stuck doing like this Monday, for example, I have a lift first and then I have a cardio later I'd want there to be a good chunk of time between those maybe at least eight hours This allows my calcium to come back into the sarcoplasmic Verticulum so my muscles are working again. It gives my muscles time to Build and use that signaling that we had that say hey, we're gonna need some more muscle around here. We better build it Yeah So this is how you know how you program a week of training break your week up into lifting days and cardio days and Decide from there how you're gonna structure the rest of your programming Based on the goals that you're trying to accomplish


an urgent message is I want to just get out on this channel and it's really just kind of an explanation of how I Viewed things in the past on this channel and really what I think is correct now versus what I thought was correct then If you're new to this channel and you haven't actually seen my older videos This might not make a lot of sense to you But still watching it anyway because what I'm going to do in this video is kind of break down and distill I'm going to condense everything that I said in the last kind of three or four years on this channel and Really just summarize what I think about it now So it will kind of save you a lot of time if you are gonna you know going back and watch my older videos Watch this one instead because this is like the most up-to-date Information that I have so yeah long story short. I was wrong before not all the time But in a couple of videos specifically where I would talk about different things So the first one was astral projection in the past on this channel I've kind of made videos talking about astral projection and basically saying that it's not real basically saying that At the time there's bear in mind. This was years ago I was basically saying that I thought astral projection was purely just a lucid dream or just something that happened in the mind And that is absolutely not the case and we know this now through studying lots of different evidence and stories and different analyses and explanations of things But there is a distinct difference between a the brain state when you are lucid dreaming Versus when you're astral projecting because they are two completely different things lucid dreaming is Not even all in the mind, but predominantly in the mind exploring that kind of realm Whereas astral projection is in a different plane. It's in the astral plane literally and you are able to interact with different things entities and places Outside of yourself and I say that in quotes because there really is nothing outside of yourself. It is it is all you basically But for argument's sake, let's just let's just summarize and say that lucid dreaming is kind of mainly in one area Whereas astral projection is outside of that area or kind of other areas The reason that's so confusing is because that the lines are kind of blurred, you know in a lucid dream you you can interact with and access things that are in That are outside of your mind, you know other people's dreams different things different dimensions and Experiences you can have in a lucid dream and astral projection is really kind of similar But it is different in a lot of ways So basically I was wrong before when I said that astral projection doesn't exist because it does and that's really something that I just kind of Was wrong about before I just hadn't done enough research. I hadn't looked enough into it you know at the time I Had actually had an experience which now I can clearly see was astral projection But at the time when I made the video, I just didn't know enough. I wasn't sure it was something that happened when I was very young I just didn't really know enough and I just kind of summarized the popular belief at the time which was that it wasn't real But it absolutely is real and that is the case and I know it's now with a lot more certainty so The next one we kind of follows on from the last one, which is that lucidity is in the mind the state of lucidity Being aware of the facts you're dreaming is really a very reductionist way of saying that you are accessing a higher consciousness It's been said in the lucid kind of dreaming community that when you lucid dream you're kind of going Downwards in terms of your consciousness. You're kind of falling asleep and you're descending down into sleep into kind of The realm of your subconscious where things you know, but really that's not the case at all. You're in fact ascending you're going upwards And the best way I've heard this explained is that if you think of your physical body now as kind of a very dense restrictive Realm okay, things are very dense and slow here when you go when you fall asleep You're not limited by your physical body or The laws of physics let's say in this 3d realm So when you fall asleep, you're actually ascending in terms of your consciousness is much less restricted you're more free you're not bound by the limits of space and time and You know to some degree programming and conditioning that you would be in waking life So in that sense, you're really able to access things that you can't access in 3d waking life and for that reason it's not really descending you're actually ascending going higher in consciousness and therefore It's not all in your mind your mind if you think of your mind as like a tool It's kind of a long for the ride your mind is just one kind of aspect of your physical body But that doesn't mean that your mind equals your consciousness your consciousness is infinite and not You know completely connected to your body So your consciousness is very much like a field of energy that is kind of linked to your physical body in your mind But it's also separate from your physical body and your mind. So when you lose a dream your consciousness is almost like set free From the confines of your physical body and your mind and the programming and conditioning that is associated with those things So it's not all in your mind. You're right. It's actually the opposite. It's actually everything and every Everywhere all at once and of course there's so much. We don't know about consciousness You know, so I get that I know I know how much I don't know if that makes sense But the one thing I am completely certain about is that consciousness is not all in the mind And this has been proven with modern science, but also ancient knowledge I've spent thousands of hours literally researching this stuff and summarizing what other experts and people who who have studied this have have kind of found and The overwhelming thing that everyone seems to point towards is that consciousness is not confined to your body Your your body is kind of like a tool and your consciousness is like using that tool But your consciousness is not limited and constricted by that tool in any way And this has been shown through like non locality through quantum mechanics through The holographic principles and things like that where the the modern science that we're learning about today Has uncovered things that show that nothing is separate everything is interconnected at the cellular level and When you if you zoom in far enough, there is literally no separation between two particles. It doesn't exist It the illusion of separation is really what holds this kind of society together, but really there is no separation Yeah, and this took me a few years to realize obviously when I started making these videos I didn't know that I felt it, but I didn't really know it confidently enough to say it So that's where I was wrong before number three I used to say on this channel that lucid dreaming takes a long time to learn I used to say that it's it's kind. It's quite difficult to do That's not the case and and obviously this is you know, it's a debate isn't it? It's a in in this community It's a controversial topic, but really I feel like my audience here you guys really know Most of you at least know that we don't have to limit ourselves What what we believe in terms of our subconscious beliefs and our you know, what makes up our Personalities and beliefs doesn't have to be limiting itself So if you believe it's going to take a long time, then you will make it take a long time If you don't believe it will take a long time, then you'll be able to do it faster So really there's no point holding yourself back and kind of standing in your own way when your beliefs play a huge part in how long it will take you to learn and how often you will lose a dream and I have literally students in in my lucid breakthrough program that are able to lose a dream three four Sometimes five or six times a week and the really the only change for some of them is they shifted their subconscious beliefs from believing that it's difficult and that it takes time to Believing strongly that it's effortless and can be easy That's really the only change for a lot of them and the change in the results was enormous So really belief has a huge impact Yeah on lucid dreaming, but I guess on everything as well So if you do see any of these older videos from my channel, just bear in mind you know point people towards this video or just remember this video where I kind of Admitted I was wrong before and corrected it because I think it's very easy for youtubers to kind of forget about the old videos maybe even delete them and Pretend they never happened or they never kind of admit their mistakes I'm admitting now that those three things I was wrong about I was wrong to say astral projection is not real I was wrong to say that lucid dreaming is only in the mind And I was wrong to say that lucid dreaming has to take a lot of time None of those things are true So yeah, I hope this makes sense. I'd love to hear your opinion about this. So yeah, leave a comment down below


Hello, and welcome back. So shall decide and this is continuation of Azure Databricks tutorial. So in the today's video We are going to see how we can connect our Azure Databricks to the Azure SQL. It's very straightforward We have to use this JDBC connectivity and you have to use the URL So basically we should be going to use the driver So driver is the JDBC driver by which we are going to connect with the Azure SQL and after that We have to add the database host. So database host is nothing but the server name and then the port So for the SQL it should be 1433 then we have to add the database name Then the table name that we want to access and after that we have to add the user ID and password and Inside the URL we will be going to add the database host that we can see we are putting in this variable So that we are going to use and after that after the column We are going to supply the port name that is 1433 Then semicolon we had to add and after that we need to add the database name So it will be going to have your URL then after we have to use one of the property of the Spark so that is the spark dot read and after that inside the options We will be providing the option for the URL and under that URL We are going to use this variable as an URL so it will be going to make the connection and We'll be reading the data from the table that we are also supplying inside the option of the DB table and Again we have to add the user ID and password for that particular database connectivity so let me quickly go inside the SQL server and Here we want to access this table, which is the country master and this country master We want to access inside the Azure Databricks, so let me quickly go inside the Azure Databricks workspace and here I have already created this notebook. So here, let me try to start the cluster So it will take a little bit time let me quickly go and try to copy the syntax and Let me quickly go and paste inside this workspace notebook. Here you have to add the values So the first thing driver would remain same. You need to update the database host So your database host will be the server name. We can get it from here So let me try to click on this. So this will be your Database server so we can copy it and after that you can go and Try to paste it there. So this will be your Server name port name will remain same then the database name So we want to make the connection with the Survey underscore MTO GST. So this is your database name. So we can add the database name here Now we need to add the table name by which we want to make the connection So inside the table name, we want to access the country master So this country master we can copy and paste it there So we got all these values next will be your user ID and then we need to supply the password So I'm going to copy the user ID from here That we are using for this login credential You need to provide your login credential here your table name your database name your server name So these values you need to add as per your server and login credentials. Now, let me add the password here So after adding the password once we will be going to run this cell by Pressing shift enter. So it will be run and all these variables will be holding the values So as we can see it is Having the values next we need to use the spark sequel command. So this is the command. Let me try to copy it So don't worry. I'll be going to provide this command on the description of this video So you can use without any issue here. We are not required to make any changes all These things will remain same because as we can see we are having the Driver so driver is this we are holding in a variable then the URL URL will be holding in this variable Database table so database table will be holding in this variable Then the user ID and password so that is holding in these two variables So all these we have put inside the variables and those variables we are going to access here Let me try to execute it So once we will be executing and here we are using the display. So this Remote table data frame will be having the values and inside the display We are going to see like ID location and effective date the same data that we can see here as well like ID Location and data frame and the effective date. Thank you so much for watching this video. See you in the next video


I've got my juve Red light device come check this out you guys gonna love it Hey, it's Alex here from alexfegers.com. So today I want to do a quick overview review and EMF test with my corner device here of my juve my juve body body panel body light This is the little instruction manual that came with it full body light therapy guide. Anyway, so this is the combo 660 nanometer with their narrow frayed 850 light So 660 and 850 nanometer light coming through here. It's their um original panel They've got a smaller one, which is I think half the size of this. Oh, yeah half the size of this and They've got a much bigger one which is wider and longer Which is a couple thousand bucks, but to be honest a bit of a bit anyway, so I just wanted I've had this for a couple weeks Now I just wanted to give you my quick overview and then what I can do is actually test the emf rating on it with my corner meter here, so Quickly for those that don't know anything about read light. I've got a full article on on the benefits called the fascinating FX healing effects or something like that. I've read light therapy. I'll put a link in the Description below so go check that out. I don't want to explain it really light and everything here This light this device is pretty cool because they do measure or they do give you your your power density And also you can see the wavelength right some other brands don't even tell you what wavelength it is So what do I like? I mean I've been using this every day for anything from 10 to 20 minutes Just exposing different areas my back sides face and all that on with the light What I found so far and against the early days probably two or three weeks in I have found I had some sensitive teeth Some some higher gums on a particular side from from a mouth guard that used to rub and so cold water and stuff You know it's quite sensitive to that. I found and that's been happening for about two years I've found that since I started using this The sensitivity is decreased coincidence maybe but I mean I tried all sorts of things out with their sensitivity And I am spinning a few minutes with the cheek exposed and front front on with my mouth open So that's one good thing less tooth pain which is huge and in fact, this is a lot of evidence around that to show How effective it is Secondly, this might be a little bit TMI too much information, but I'm gonna put it out there anyway Um, I do have a little bit of a this growth like a assist type thing which is perfectly fine You know doctors look at it. It's no issues, but it's shrunk. It's a massively shrunken size It's incredible. Um, and again coincidence. I have noticed that it got small different times in my life I've had this for about 15 years But it's never got this small and it's only started getting a lot smaller since I've started this and again Sorry, it's TMI and the last thing.  So there we go. Had to say it. I mean You asked for my opinion, right anyway, so um, what do I like about it? It's intense. It is a good power rating It's got the good wavelengths in there as well 660 and 850 this cool little Pulley system allows me to lower it and and raise it came with a neat little timer And I know this is probably nothing special Let's try get the focus going on here There we go But it's got a countdown timer so you can sit a five minutes or ten minutes or go the other way to count up But the cool thing is it's got a magnet So it just clicks onto the side or on top and it will be when the time's up So I mean again nothing major, but trust me like it's so awesome. You just sit it for just seven minutes or whatever Here the beep and alternate and turn sides. Um, and Yeah, let me let me turn it on and show you this pop It's quite bright So, you know at night time, it'll light up the whole room and um, so what do I do? I mean again, I typically read my book. There's what I'm reading at the moment Paleocardiologist and um, I'll just hang out here turn around same thing on the side When I got front on obviously, I'm not reading a book, but um, yeah So that's how I'm using it Occasionally, I'll drop it down to the floor Because it doesn't go all the way down And we'll do my lower limbs as well. And um, yeah, I want to do more on my face and even my head I'm curious to see if it will help with the hair growth because I'm starting to lose it I have seen some studies showing that it will help. Um, so yeah, obviously that's gonna be So I don't know let's do jazz and anyway, I need to experiment with that and maybe take some before enough to focus So yeah, and you can see the pattern like not all of them are glowing and that's because the one's not glowing putting up Infrared light, which is not visible to the eye. So if you got an infrared camera, you'd see them There's a very little amount of heat, which is a good thing There shouldn't be much heat at all because the light is um, it's wasted. I mean it's inefficient. I guess the design There are fans in it. So apparently you can run it all day Not that you'd probably want to but yeah, it doesn't overheat or anything like that So now for the emf test, I have my cornet Smart meter litra smoke meter. I do have my computer right here with all the cables, but I've just turned everything off There's no Wi-Fi or Bluetooth or anything my or rings on a airplane mode The only thing working is this when I switch it on and the camera which is filming this which doesn't have Wi-Fi Anything so I'm hoping there isn't too much interference Okay, so what are we gonna do? Is I am going to leave this a finger width distance so about 10 centimeters or so from the panel which is Two or three inches. I'm gonna turn it on and I'm gonna compare all the numbers so at the moment. We're on the first setting And it's in the green zone So you want to pay attention to this light down the bottom as well as the numbers on the screen and again That's about 10 15 centimeters, which is typically where I stand. So that's good. There's nothing yet We go up to the low frequency 600 and we're in the green low frequency 30 We're bouncing between green and yellow there Okay, so this is with it off remember and Then electric field we're in the green as well So now I'm going to turn it on hopefully I don't know if you're gonna be able to see this because it's so bright Yeah, you're not gonna be able to see it Yeah, I'm zoomed right in here. All right, so it's picked up a little bit But we're still in the green Tell the lie. Okay, so with this we're at point zero zero one three to point zero zero one eight Turn it on and it stays exactly the same Okay in the low frequency We're at point one turn it on Point four, so I did bump up, but that's still in the green range Which is fine Well, it's up to point six if I put it really close Okay, if I put it like a centimeter off or at one, which is the bottom level of orange It's actually it's all but one it was bouncing between the the green and the orange there So and that was right up against it, which is you're not doing here anyway I mean you don't need to because it's a that's a powerful one. All right We'll go to the low frequency 30. So already this is in the the bottom orange There we go. I'm gonna turn it on now Okay, so it's it's jumping up to the higher orange here. So it's gone from it's gone from a Point zero one point. Sorry point zero nine. So let's just call it point one. I'm gonna turn it on now and We're up to Point four seven point five seven point six point four five So it's jumped up about four or five points there or times, but it's still in the yellow. All right, and that's 10 15 centimeters Uh 15 cinemas the feather out I come We're right back down to point one five at on what about 15 centimeters out there. Um, so they say keypets What do they say six inches? I think it is Yeah, okay, so this is six inches Which is way out here And to be honest like way out here at six inches is Still in the green zone or in the bottom orange So point one four without it on it was point ten like point zero So if you're following the upper scription, it's not an issue at all. If you're starting to get close You'll see it pick up here. So there we go. This is with my fingers touching it and we've got point Point five five point five eight will come out an inch point three another inch Point one eight another inch Yeah, I mean look if you follow their prescription, it's fine. You're already in the green zone there And then the last one is electric field, which is rock bottom. That's there's not an issue there even right up so yeah, that's this is tested with my Connet Letras blog meter That's a particular model So what are my conclusions from that? If you follow in their prescription their recommendations, it's probably fine. So they're saying 60 joules of energy with 10 minutes when signal standing six inches from the device If you're six inches from this device according to my meter find no emf issues at all If you're getting quite close, you know one or two inches in then you are getting some of that low frequency exposure Still in the orange range though You know to be honest like most people are living in with my computer on I'm in the orange range like where I stand It's good. It's quite bad. So it's not alarming. I mean, it's not great But you only use it for five ten minutes and that's if you're really close But you don't have to get close because the bit is it's powerful enough You can stand a certain distance. So some of the cheaper red light devices Don't put out don't have the same power density, which means you have to be right up against it, right? So those ones obviously, you know, they're a lot cheaper, but then you can the emf issues What am I gonna do? Um, to be honest, I kind of stand Yeah, you distance from it Occasionally I probably get a little bit closer if I'm rushed for time I do go closer because you can that the more energy with a shorter time period like if I'm really rushed And I just want to hit all the body I will do that But if I've got more time, I'll stand a little bit further away. So, yeah, that's the emf. That's the Juve That's my thoughts if you're gonna buy one on look Here's my here's my recommendation based on my couple weeks of having it Get the biggest one you can afford like honestly, this one's good Let me show you the full the full thing So, yeah, that's that's the full panel, right? if You're going to Get one get one get the biggest one you can afford, right? Because like when I do my back, you know, okay, quite a lot back So you can you don't do the whole thing. So you're gonna do it in two halves, right?  So I kind of wish You know, if I had the funds, I'd get the full one another thing as well The full one the bigger one is a little bit longer So that's five, I think the four and seven now That's important because if you want to do your face Your torso and your genitals because there's a lot of um testosterone benefits and libido and all that sort of stuff then um You can't kind of get it all in So like it's kind of at nose eye level and kind of at general level So I've got to choose which one up on a paradise and I want to focus on this as well See if I can get some hair growing back. Um, so that means I gotta crouch down for a bit or sit down And then I've got to come up. So again, if you had the long one, you wouldn't have to do that What else can I say? Yeah, so yeah, I'd get the biggest one possible that I could afford If I had all the money in the world But otherwise what I recommend and what I'm thinking of doing is actually getting that a bulb like a handheld bulb and Using this and then using the bulb like on my head or hand holding it or getting the Lamp stand and using the bulb as well. And then I figured like with the bulb is I could do spot treatment, you know, if I hurt my knee I can just use that when I'm watching television So then that way that's a little bit more cost-effective, you know You pay $1,000 for this couple hundred bucks with the bulb $1,200, right? Otherwise you get the full panel, which is like two or three grand You're quite expensive the mini one.  You know, I'm talking too much. So yeah, any questions leave them below If you've tested your own with other devices, let me know as well Hopefully that's provided a bit of a solution or answer to those who are curious around the AMF side It's not a concern for me as long as you're a few inches off, which is exactly what they tell you to do anyway So that's good. Check out my article below on red light if you have no idea why I'm doing all this stuff and Be sure to subscribe to my channel for more random videos like this and my weekly vlog and Yeah, that's all


The quality of service which is seen now from different viewpoints from four market model Has to be governed as well. This is known as the regulatory aspect We've already covered the business regulatory aspect, but there is another QoS regulatory dimension as well So we are going to look at how NGN regulations are part of the QoS requirements Then we are going to look at certain perspectives or aspects and then we'll see if we have certain flexibility in regulatory issues from the authority viewpoint So the first and most important thing is that why NGN QoS regulations are important First of all, the QoS is provided for these services on internet So basically this becomes internet provisioning regulations So NGN services are provided on the internet architecture using the transport and service stratum So starting from the devices such as routers and switches to the servers the databases everything has to be regulated Now this regulation is governed by Managed, implemented by certain regulatory agencies which belong to every country and nation In Pakistan these This regulatory agency is known as the PTA Pakistan telecommunications authority The QoS regulations actually are from different perspectives. For instance, there is a QoS regulation requirement Between the operators that is two operators providing services to different customers their own customer base May be required to interact with each other. In that case the QoS Regulations have to be enforced at the interconnections That is the point where these two networks Interact with each other. It is known as the internet exchange point or the peering point Another QoS regulation requirement emerges once an operator and an end user interact with each other Now this Overall situation is also governed by the fact that the QoS requirements are different For the circuit switched and packet switched networks That is once the traffic is Transitioned from the traditional PST and PLMN or broadcast network to all IP network and vice versa So these aspects for QoS regulations are important for the regulatory authorities in a country The technical aspects for QoS regulations also have to be kept in mind For instance, is the regulation being considered for a packet switched or a circuit switched network? Is this a single service network or a multi service network? Are multiple operators involved in this? Transaction or in this business activity or it's a single operator network The concepts of monopoly and monopsony Have already been discussed if you recall then the global architecture of the internet makes The ngn QoS regulations a tricky thing because it has a global Character involved in it and that is why there are certain issues which emerge as conflict between Nations between regulatory bodies and the international Associations like the ITUT, ITF, etc. There is something known as the open internet order That is quite a concern and it's quite contentious because the countries are not willing to adopt the open internet order which was Uh ordered by the federal commissions on communications FCC Some countries actually agreed to it some differed with it Then another important dimension to the regulation is the contract or the service level agreement between the dominant players for instance vendors service providers network providers, etc. Now these Dominant players actually determine the shape of the QoS regulations in a certain country Then If the situation is so wide and so Varied then what are the options that can be adopted? This is not the final View but it provides a good perspective on how the Regulations can be adopted the first thing and the most important thing is that these regulations cannot be overly strict Because the overall architecture of internet is open So anything that is so rigid cannot work with the openness of the internet The technology is changing all the time. The internet architecture is evolving and it's highly dynamic So for given all these things, uh, the regulatory intervention by the government primarily should be quite limited Um, in fact some self regulation model can be promoted If you remember we have we have already discussed the de facto and de jure models For instance, if some kind of fair competition can be allowed to take place between different service providers vendors Etc. And let them decide their limitations their bounds their Responsibilities and liabilities. So this self regulation model is in fact the best but it needs A big brother's eye of the government


As Muslims worldwide celebrate the end of Ramadan fast, families and fancikas headed to various relaxation sports to spend time with loved ones. Plus, TV News was at some relaxation centres and brought back this report. It's another holiday, this time dedicated to Muslim faithfuls after the Ramadan fast. Families head to various relaxation sports to spend time with loved ones. Alright, basically I came here to have fun. I'm just happy being at home. I'm not going to work today. Just having fun came here for this fun, that's all. Yeah, I mean, I got a bit of pop-off seat, so I'm enjoying pop-off here. I'm not a Muslim but it's like this signifies the end of the fast and I don't really know the story behind it. So I think that's that. Honestly, I'm not a Muslim but I know it's like celebrating after so many days of fasting and it's the way to celebrate the success of the fast. While some hope for a much peaceful, united and economically strong Nigeria, others say they live each day one step at a time. And this moment is to free the mind of all the tasteful issues in the country. Uyime, Clause TV News.