Hmm. Hey, I didn't see you there. Guess what I just did? Well, I haven't done it yet actually, but I'm giving away a copy of Paper Mario the origami king to enter all you gotta do is like this video drop a comment down below the comments Is very important subscribe to the channel. That's kind of important to us So it's hitting that bell icon so you get notified of all other videos we do on the channel I want to thank all you guys for entering and good freaking And welcome back to prom and news coming to one more time This is the tender of chance and you're watching prom news. Wait wait wait prime news. It's prime time, baby Let's go. We're back. Welcome. Prime news is back We plan to be doing prime news Monday and Tuesday and Wednesday and Thursday and Friday as well now today We only have four big stories for you guys including a little bit of a Nintendo direct rumor I know how much you guys love that stuff. We all saw some play station five news coming your way But you know what? Let's get into our very first story. Did you know in 2004 heading into 2005. There was a Pokemon mm. Oh Actually in discussions behind the scenes now This gets a little crazy. See it was proposed by IQ for those who don't know who IQ is that is the company Nintendo used to work with to release their platforms in China when gaming platforms are banned It was like a workaround. It was really funky how they pulled that off But really old-school stuff if you guys know anything about the Chinese market you'll understand why this happened and the proposal and the supportive concept that was being made was based around it being for the Game Boy Advance and the It would be mostly offline. So we're right MMO offline with bear with me There was an offline component that would be the main brux of the game that was based off of fire red and leaf green Remember those games. It was kind of based off of that However, you could plug your Game Boy Advance into a PC and actually play online with other players in Some sort of online MMO like world and this gameplay was based on the online components in Pokemon Coliseum See how it's kind of adding up there trying to combine best concepts together Obviously this ended up not working the online component didn't work that well and we never actually saw it publicly But this came from a massive data leak. You guys know the data leak. We're talking about, you know, L is real aka Luigi was originally gonna be in Mario 64. That's right Like all this big game leaks have been happening of Ocarina of Time Star Fox 2 etc We're getting source code all this crazy stuff out there We're getting emulators that Nintendo use on we all this stuff is leaking out there like crazy off of Nintendo servers And this was actually kind of a hidden gem under there That might be the biggest news ever is that a Pokemon MMO Actually was in some sort of development at some point inside Nintendo's headquarters Or really the Pokemon company headquarters at this point Game Freak all that jazz pretty exciting stuff Obviously didn't happen. I would love to see a Pokemon MMO I think everyone would love to see a Pokemon MMO is the one IP Nintendo has it's like yeah An MMO makes a hell of a lot of sense, but hasn't happened yet Also, there's like this thing where Pokemon in the MMO would be like region-based So if you're in like Britain or the United States or China, you get different types of Pokemon Sort of a precursor to what happens in Pokemon go a little bit all the Pokemon goes a lot more advanced That was possible back then still kind of crazy wanted to throw it out there You guys let me know what you think about this crazy concept for a Pokemon MMO back in the early 2000s this next story comes from Game Informer and we have no verification of it outside of Game Informer Just saying trust us it's happening. So spider-man, you know that spider-man game coming out You know launching PlayStation 5 etc. The Miles Morales game people wondered if it's like an expansion back on one of this It seems like it's actually a brand new game like a standalone spider-man game That's really exciting not like the Louis GU DLC more like a spider-man 2 crazy, right good awesome That's good news, but did you know that's according to Game Informer a remastered version of the original spider-man game that came out in 2018 on the PlayStation 4 will be releasing with it It will literally be bundled in with the game crazy exciting to me Obviously anyone who missed out on the first game gets to play it then play the Miles Morales stuff really cool stuff I'm glad to see this happening. I assume you'll be able to play the spider-man PlayStation 4 game on your PlayStation 5 Don't know if it's gonna include the remaster or the Uprising or whatever they're doing here But it's kind of cool and is it shocking we saw spider-man the original game running on the SSD and stuff like years ago To be honest with the PlayStation 5 so I'm not surprised this exists But right now Game Informer is the sole source on this So we're trusting Game Informer's ability to get reporting right and Game Informer doesn't put out a lot of breaking news reports themselves They're focused more on game reviews and discussion and interviews So hey take it with a grain of salt if you want but looks like we're getting a remaster of spider-man bundled in with Miles Morales This next one's also PlayStation 5 related. Don't worry that Nintendo Direct stuff's coming I know some of you guys are trying to jump ahead here, but listen to me PlayStation 5 is coming out this holiday and there's been a lot of You know worries about that and Xbox Series X and COVID-19 and all the production levels and all this job as well Digitimes importantly has I don't know supposed inside sources in the manufacturing Which is easier to get sources for that than it is to get sources inside Sony because you got to just get sources at the factory level But apparently Sony will have about 10 million PlayStation 5's ready for 2020 launch So 10 million PlayStation 5's they plan to sell between November and December But it gets even crazier than that in the first five years PlayStation 5's on the market the internal development and production Plans of PlayStation 5 is to produce a hundred and twenty to a hundred and seventy million PlayStation 5's in five years that is the internal Like order sheet a guesstimate what Sony is pushing to happen at the actual Manufacturing level so 120 to 170 million that's more than the PlayStation 4 by the way 170 million beats out the PlayStation 2 Sony's clearly planning for this to be their biggest Single console generation of all time if not second biggest just below the PlayStation 2 So I wish them luck. Maybe they're right We'll see all I know is Sony systems are almost can almost pencil them in for a hundred million But like 120 to 170 in five years meant so many to plan to put out Maybe they play plenty six years to sell them all but Sony's being ambitious if you were worried that Sony was maybe not sure about this generation They're apparently being ambitious as hell if Digitimes is to be believed Now the last one we have here. This is kind of like a rumor a rumor fest Right. We got a rumor fest prime news here all jacked up But this next one is really interesting because the person talking about this talk about this Nintendo director rumor is King Zell Now for those who don't know who King Zell is he is a forum user over on reset era that has a 100% track record with everything he has ever put out about Sony Microsoft and Nintendo 100% He's one of the most trustworthy Leakers in the entire industry now. He doesn't talk about Nintendo much He did leak the July 20th a while ago. He was right on that We talked about how so other people write on that as well seemed like that was a really popular date among leakers but King's open right on a lot of things and The bottom line is he's basically telling us we're getting a Nintendo direct in August because there were people wondering When are we getting the next showcase when we get in the next direct and he said wait for August So it's happening in August beyond that though Like I don't think it's that shocking because they said we're getting more partner showcase directs. Okay, cool Get one in August. He might get one every month, but this is where it gets really crazy See he's he's saying he's basically talking about the next two directs and he's saying the next thing Nintendo does is Going to be small the thing after is going to be the big Nintendo direct we've been waiting for now Not sure if that's landing in August September when it's coming But he's saying the next one's going to be another small thing. You're going to see another partner showcase You're going to see an indie world. You're going to see something Whatever you're going to see is going to be something smaller The next thing from from Nintendo is still another small thing But it will be followed up with the big boy Nintendo direct that we've been waiting 300 plus days for literally if they drop it in September It'll be a year anniversary from the last big one. So he's basically telling us We are going to get a big Nintendo direct this year. It's happening There's no doubt in anyone's mind anymore kings out put it out there next one something smaller the one after big deal So I don't know if the one in august is going to end up being the big one and they're going to do something before that Or if it's just going to be another showcase, he didn't get specific on if it's a Small Nintendo direct next month a big one the next month. He didn't give us the details on that He just said there's one one small something coming from Nintendo and then the big Who no lands so be excited because again There's a lot of leakers out there a lot of rumor mongers out there But king zell again is among the most trustworthy of the entire bunch. So Let's get pumped around it. It's a brick flare action. Oh All right, folks, thank you guys so much for tuning in I am Like the tenor open chest from the tenor problem. So jazz right now.  We'll be dropping a prime news episode also friday nights at 8 p.m. Central standard time or really central dc dt time right now actually because we're not honest Whatever we're not in daylight savings right now bottom line is friday nights 8 p.m. Central We will be also hosting the nintendo prime podcast for the foreseeable future. So stay tuned for that I'm jazzed. I'm pumped and I'm gonna catch each and every one of you in the next episode


We saw him in week one take care of Darren Tang and one of the adjectives we used to describe him effortless Efficiency of motion already up 21 That's our first strike here made its way into the house Yeah, it just meant to make it clear no sharks were harmed. We're harmed in the making of this telecast shark finds another victim Three in a row another shark there. It's right at home here on Amity Island No, they're chanting his nickname the athlete athlete. Yeah, remember the story behind dude. It's a pretty good one actually Took you so long Dory 100 is the chance Uncool man. That's uncool. Well, he tried a different ball there and so that wraps it up Prather has won game one Good news for Tom is this one is over Turn the page. Yeah, let's see if he can find something He's got something there 83 pin route. I'm sorry 85 pin route. Dory only had one strike against Prather in the first game Prather maxes Dory there with the strike as well in the first He's made a ball change and he's open up his angles putting double for Prather Keeping the heat on Dory Back in early March feeling that smells blood pushes all 10 into the pit Another beautiful shot 36 pin lead now through five and a half He's gonna give Prather a little something to think about but Prather's dialed in and Portland's really excited to have him on their team as well strike for Prather here in our second game down 26 Crazier things have happened for sure. What could have been if he carries that ring 10 Rob It would have been a five pin differential between the two so our first top eight competitor has been eliminated Tom Doherty done Prather advances to meet Jason Belmonti Covered to that one Monday, May 20th right here on FS1 pretty solid two games bowled by Chris Prather 222 in the first 228 here Pretty solid Tom Doherty that's all finding anything


I'm delighted to bring to you a day of critical leadership skills for marketers where within the day we're going to be looking at decision making. How do you make better decisions when the stakes are high and when the pressure is on? How do you manage your time effectively as a leader so that on those quieter days you're making the very most of the fact that you have more time than you would normally have? And on the days when it's kicking off you somehow stay focused on the truly important things and get those things done. How do you manage your time effectively when life is so busy and all-consuming? What about burnouts? How do you deliver on your responsibilities and aspirations without burning out? How do you develop resilient teams of people that can withstand pressure and step up to the plate when you need them to? And what about difficult conversations? Some people prefer to call difficult conversations courageous conversations, challenging conversations. But whether you refer to them as difficult, courageous or challenging they're not easy. So how do you prepare for such conversations and deliver them effectively so that you get the best possible outcomes? What about imposter syndrome? It's a bit of a trending buzzword today but where did imposter syndrome come from as a term? What is imposter syndrome? What causes it? And crucially how do we tackle it so that as leaders we can be the best we can possibly be? What about negative feedback? When you're the recipient of that feedback, there's no sugarcoating, there's no silver lining. How do you deal with that negative feedback so you're developed by it, not demoralized by it? It's quite trendy today to think that actually we shouldn't care what other people think. Don't care what other people think. Just do your own thing. But actually we should care what other people think but we need techniques to help us process that feedback so it doesn't define who we are and we can sift out the helpful stuff from the unhelpful stuff. So these are some of the things that we're going to be covering on our day of critical leadership skills. My name is Andrew Payne. I look forward to seeing you there.


I've had a lot of supportive messages from people and I really appreciate them. But I also wanted everyone to know that there's totally nothing to worry about if you're worried about me getting you know criticized and attacked and threatened and I want you to know that I've actually got that for my whole nearly my whole activist journey but it really started to pump from when I started getting media attention. That's when you know you're reaching the mainstream. So this is good. It's good and I actually understand why it's good so and also I've got a very very thick skin like from doing this for the time I've been doing it and also threats don't actually scare me. I've been threatened before by some pretty scary people and I took those seriously but but when people say it over the internet on public pages it's not smart and it doesn't really it doesn't really get to me so don't worry about that and I'm totally so I'm so used to this I'm a I'm a public figure who's beginning to reach the mainstream or last year was totally reached the mainstream. Tens of millions of people it were exposed to who I am all the media's portrayal of who they think I am but I'm so I'm totally used to it. So thank you so much for your supportive messages and being there for me. It's so sweet and to know that I have such amazing support around me and I do deeply want to send you all love from the bottom of my heart straight from my heart to yours and to all of those people who are threatening me or opposing my beliefs I would be very careful about what you're actually opposing. Think about it.


We're going to find out we're going to find out what kind of character we're made of. We're clearly in the midst of incredibly tough times we've faced it throughout this season and you know we're going to find out what we're made of and if if if we're the team we think we are it gets no easier as we got to go to Buffalo and play an outstanding offensive club in in Toronto and you know we need to we need to we need I mean we need to step it up period. What were you seeing with her mom this afternoon. I didn't think he had great right feel with his secondary pitches which is usually you know such a bread and butter for him. I thought he was a little flat with his secondary stuff and then and then probably not the greatest command with his heater you know missing out over the plate a bunch you know got hurt got hurt with some two strike hits against them especially in that first inning and then beyond but just overall just not real sharp with a secondary and you know is a grind for him. And then the next question. And you mentioned the law lost Minnesota and then two straight since then are you concerned that there's been any sort of carryover you know you've been a very streaky team this year and last year matter. Yeah. I'm not I'm not on our on our level of of coming out and ready to play you know you know today was just where we got behind the eight ball a little bit and you know you know their ace kind of took it from there and and really you know when you're strike one all the time it's tough uphill climb when when no one's got his pitches going like that. So you know I think the frustrating thing about these last five is you know could have should have had four of them you know and then you know today you know you kind of salvage this trip a little bit and and and we go out and really get shut down and and that's that's frustrating. I understand what you're not coming out ready to play obviously yesterday you fought hard to get back in there. But you think there's a confidence drop that one you know T.J. tied it up yesterday but then didn't go beyond that you know and then then you lost. I don't think there's a confidence drop and I do feel like we're competing better and at times I feel like we've needed to be better in that regard and I feel like that's absolutely happening right now. I think you know as the offense gets going you know that that's where we gain a lot of our swagger from and and you know it takes all of us in there to to kind of create that. So I don't think there's a confidence drop but that said I think we all we all know we put this uniform on. We're expected to win and we need to we need to pick it up in the in the biggest kind of way. Thanks sir. Yeah. Ryan hope please unmute. Aaron can kind of touch on what I was going to ask but do you sense there's a fatigue in the dugout maybe a complacency as these losses pile up where guys are just almost getting used to losing here. No. Why not. I know them too well and and I don't think there's any getting used to fricking lose. Hell no. I'll out of here with that. Eric Bowling you have the next question. Aaron is a manager. Are you hamstring to a degree of what you can do. Well I mean it's look it's it starts with me and and and set in the tone and set in the culture here that that's hopefully putting everyone in a good position to go out and perform at their highest level. We clearly have not done that well enough to this point. My confidence in those guys is unwavering but but it definitely starts with me as far as making sure we're in the best position to go out and play our best game and we haven't done that well enough. And Martin please unmute. Aaron starting pitching with such a strength of yours for most of the season now for it's been about two weeks where it's really struggled not just one guy. What do you think has happened to the rotation as a whole. Yeah I mean I mean that's the thing. You're going to go through a stretch like that. And that's where you know our offense needs to be able to pick up. And so that's been a little bit of the issue for us here is as you know the offense has gotten going. Gain is a little bit of traction. You know we've we've not gotten it done in other areas. So look I think overwhelmingly the starters have been a strength for us. The pitching overall has been a strength for us. It's been about the offense catching up and and and doing what we're expected to do. We're going to have you're going to have even in the best pitch seasons we're going to have these little bumps in the roads where it's not perfect every time out. But that's that's that's that's why we're team and it's on the rest of us to pick that up when when the offense is scuffling the pitching has got to be there and vice versa. And I know it's it's not any reason why you lost to David O'Dore getting thrown out of third you know caught in the rundown. It just seems like that's a recurring issue for this team. What like how how frustrating is that to see that consistently happen. Very frustrating. Very frustrating. So we'll practice it and you know examine you know mechanics of it. You know I think he was a little aggressive in a secondary lead and got into a place he you know a little bit of a no return place. So those are things we've got to continue to instruct and teach.


How's it going guys and welcome back to another JHR review and today I have some Hatsune Miku Gotchas, I don't have just one of course. I have two Because I want to be able to see Whether or not we can get two different ones And I actually got these from the 99 cent store and it's surprising when I was a kid They never had cool anime stuff or you know stuff like this It was always like kind of cheap like cowboy plastic guns and Samurai swords and stuff like that that were made out of flimsy plastic But now they seem to be bringing in more stuff But at a little bit of a higher price, which I don't particularly mind Let's take a good look at the packaging So right on the front we have a cute little chibi Miku with a happy face going on It says six to collect Some stuff at the bottom. It says Hatsune Miku Backpack hangers and then on the back right here. It shows the ones that you're able to get We have a heart Miku a happy Miku a Kind of XD Miku a Angry Miku a dizzy Miku and a Kind of like the dot three dot face Are kind of like suspicious looking Miku? But without further ado Let's go ahead and open this guy up and see which one we got on the first one Has a little pole tab right there Opens pretty easily We can peek inside. This is how the packaging looks it actually has a little Paper thing so people can't shine lights through here. I believe and see which one it is We're actually they can't feel it to feel what it is because it has a reflective coating as well So that you can't see through it. I believe Let's pull it out Which one do we get all this one is actually the one that I wanted to get it is the heart Miku and That is really cute back in the day I was a pretty big Cosplayer and I had a lot of friends who cosplayed From Vocaloid. I actually Cosplayed as Kaito and those are pretty good days back when I was like 16 and I cosplayed and did a anime conventions almost all the way until I was in my Early 20s. I just haven't gone back for a while due to Is that broken or is that clip in there? Oh it clips. Okay Based on I haven't gone this pretty pretty much based on money and time But let's take a closer look at the figure right here She comes with a really cute looking face As hard on her eyes The pigtails are slightly flexible I'm not sure if they would come off or not and then this one is as well, but it kind of wraps around her foot Let's see if we can zoom in on the outfit a little bit though or focus in Looks really cute as a tiny bit of you know paint error right there by the hands But honestly when it's like this far away you would never normally be able to see it, you know zooming in on 4k With a camera is a lot easier to see the mistakes on Certain things, but I think this thing's made pretty well. Let's focus in on the back Has a bunch of little intricate details on there. So they captured pretty much everything and Yeah, I think this is really cute I might put it on my keychain because I haven't put on a new anime keychain in a long time But I like this one a lot. Let's see what the other one is Go ahead and pull the tab and now we're going to pull it out and And All right So we weren't stuck with having the same one Luckily we have the smiling piece Miku, which is also really cute And then they have some tape right here that you're supposed to peel off to get rid of this little thingy But I'm not gonna worry about that because I think if I hold it right here I can still show you guys everything about it So same thing with the pigtails on this one. They're a little bit flexible But I think that you'd have to pull on them real hard to get them to fall off Same thing with the paint on the hand I just think it's harder for them to get the paint on there properly because it's so small She has a cute facial expression And then the other one she has her hand actually behind her back right there and then she also has her classic Little hair things and her headphone and mic that wraps around to come to the front Which it actually does wrap around if you've noticed it actually comes from the back and has a little separation Right over here and everything But yeah, these are actually really cute and let's go ahead and compare both of them together they're pretty much the same size and I guess maybe they just have We know it's interesting as her belt ends right there, but her belt right here moves all the way across to where her tie is That's interesting. I'm sure they have different castings for these What do you guys think? Pretty cute something that you'd pick up and hang on your back back or maybe your key chain Let me know in the comments below a huge shout out to my patreon's Thank you guys so much for your support. You guys are awesome Feel free to check out my patreon in the description below I'd really appreciate it and it helps the channel out a lot especially when it comes to getting new products And as always, I'll see you in the next video


Good morning and welcome to our audience, and in particular to our speaker today, Petra Hilkermann, Chairperson of the European Insurance and Occupational Pensions Authority, or ILPAN. Petra will today address the topic of building a more effective financial system, and we'll discuss the regulatory and supervisory priorities of ILPAN. Her address today rounds off the IIEA's whistle stop tour through the priorities of each of the three European supervisory authorities this year. After we welcomed both Isabelle Viong, Director of the Prudential Regulation and Supervisory Policy at the European Banking Authority, and Stephen Mayor, Chairperson of the European Securities and Markets Authority, both earlier this year. Back to today. During her address, Petra will outline her priorities in building a more effective and equitable financial system. During her five-year term as IOPPA, she will discuss the European Commission's proposed review of the Solvency 2 Directive and consider how to better ensure coordination of insurance and occupational pension supervision at EU level. She will also discuss how the insurance and pension industry can remain resilient, dealing with the economic shock caused by COVID-19, as well as how the industry can embrace the green and digital transitions. Petra, who joins us from Frankfurt, will speak for 15 to 20 minutes. You will be able to join the discussion using the question and answer function on Zoom, which you should see at the bottom of your screen. Please feel free to send in your questions and comments throughout the session as they occur to you, and we will come to them after Petra has finished her presentation. A reminder that today's presentation and Q&A are both on the record. Before handing over, let me briefly introduce our speaker. Petra Hilkema, is Chairperson of the IOPPA and has led the authority since September this year. Prior to that, she was Division Director of Insurance Supervision at DNB, the Dutch Central Bank. Petra joined DNB in February 2007, and in 2013 she became Head of Insurance Policy. In 2017, she was appointed as Director of Payments and Market Infrastructure, and was responsible for the payments and collateral operations at the Central Bank. Oversight, Policy and Cyber Intelligence, a broad brief. Petra was previously an alternative member of the IOPPA Board of Supervisors, was also the Chairman of the IOPPA Policy Committee. So with that, another welcome to you. Petra, it's very generous of you to give us your time today, and we look forward to your thoughts. Yes, well, thank you, Dan, and I'm really happy to be here this morning. And so thank you so much for inviting me and allowing me to talk to you and your audience about the priorities of IOPPA. As a European Supervisor, listening to our stakeholders in different member states is an essential part of our work. And I actually started my term by calling also all the national supervisors and just listening what is happening in the individual countries and what is the national perspective. And this is also one of the reasons why I very much appreciate being at national events. And even if it's unfortunate that it's not in person, I'm still very happy to spend my time with you this morning. Now, let me say here at the start that while Ireland might be the most westerly country in Europe, we always think and feel that Ireland is near. From our side, we closely work with the national competent authorities in Ireland. That's the central bank of Ireland and the pension authority. And we also have representatives from Ireland, both here in my office as staff, but also in our stakeholder groups. In a post-Brexit world, we stand together in fostering a strong sector and the bond with Europe. And as such, I'm also very happy to have a good dialogue with your market. We need that strength because across both insurance and pension sectors, we are facing many challenges. Even though I think they fare well through COVID-19, recovery still has to happen. And we see the numbers, we're not there yet.  And in fact, these are not just challenges that are so specific to insurance or pension funds, but moreover to government societies and citizens, still we also have to consider them. What I like to say is that where there's a challenge, there is also an opportunity, and I really mean that. And particularly, for example, in cyber or in climate, insurance and pension sectors are specifically, when it comes to climate, in fact, a uniquely place to help address some of the challenges that we see there. Now today, I would like to talk to you about some of IOPA's priorities and some opportunities in the light of those challenges that we face. And in particular today, I will cover the 2020 Solvency 2 review. I will discuss some conduct issues we see in insurance. I will discuss pensions and pension gaps. And then of course, we will need to dive a bit into cyber and climate change. I'll start with Solvency 2. The framework has become the backbone of a strong and stable insurance sector in Europe. And while it was right to review the framework to make sure it just remains fit for purpose, it is also right that the fundamentals of that framework do not change. And that was the rationale behind IOPA's approach and in preparing the review. IOPA took stock of lessons learned since the implementation of Solvency 2. Mind you, we were using it for five years, but really parts of it were new. We didn't have that before the five years, think group supervision, think internal models. So it absolutely makes sense to just look at that five years and see what works, what could be improved. We also took account of the changing market. And here particularly we mean, of course, the prolonged low interest rate environment. And with the recent COVID experience and the need to redirect finance towards green essence, there were also other tools or other considerations to be made when providing the advice. Most important of all, our proposals were not supposed to upset the balance of a framework that has proved to work well, including during COVID. And that will achieve the ultimate goal of policyholder protection. And so as you all know, at the end of last year, IOPA submitted its opinion on the revision of Solvency 2, labeling it a balanced update in challenging times. And I think that label was right. Now since in September, we have received the proposals from the European Commission, and I would like to say a few words on those. First of all, let me underline that we are very pleased actually to see on the whole, the European Commission has followed our own approach and objectives. So that's really positive. And we particularly welcome the Commission's proposal to develop insurance and recovery and resolution, and to include also a macro prudential perspective in the Solvency 2 directive, which so far was missing. Finally, we're also very much welcome the further enhancement of the proportionality principle and a mandate for further action on sustainability. Nevertheless, there are some reservations, particularly in the area of cross-border business. Here we feel that we may not always have the means to act. And with that, I mean, I think we have more and more means to go in, to see, to identify, but we do not always have the means to act when we see identified issues. And that might sometimes leave us in an uncomfortable position. We still do not believe that that is covered well enough in the directive as it stands. We also have some concerns with regard to the fact that the minimum harmonization of insurance guarantee schemes at EU level is not considered. There's not even a deadline or a timeline when it will be considered. For the current situation is right now that if there is a cross-border operating insurer selling cross-border business on the basis of a passport, and that insurer feels the protection rendered to policyholders of that one insurer will differ depending on the member state where the policyholder bought the product. That is not reflecting our ambition of a harmonized internal market. And we would very much like to see the proposal include work on IDF. Furthermore, and of course, we have to, being a prudential supervisor, we have to turn to the capital requirements. And what we see is that the removal of the illiquidity considerations for the purpose of the volatility adjustment calculations on the one hand, and relaxation regarding the calibration on the risk margin and interest risk capital charge on the other post potential risks and see is moving away from the prudence of solvency to scenarios that may harm policyholders. Negotiations are still ongoing and we welcome that. And as such, let me reiterate that for the most part, the commission shares our approach and we are working well with them as well as with the parliament and the council in order for them to continue to rely to have a good discussion and come up with a framework on which we can continue to rely, sorry. Because solvency to has to be the rock that underpins the insurance sector across Europe. Because with that foundation in place, and with that foundation functioning well, we can look at other issues, for example, conduct in a world that is becoming more digital, and therefore more easily cross border, identifying trends which may result in detriment to consumers is growing in importance. In the past year, IOPA has identified bank assurance as a topic often that may raise concerns. And with bank assurance, I mean mortgage linked life insurance. We also have flagged issues related to unit link products again, and the question whether or not all of those products deliver value for money. IOPA has repeatedly highlighted that putting consumer outcomes at the heart of product design, distribution, and of monitoring processes is critical for tackling value for money issues, not only at the moment of sale, but also afterwards. In response to our observation, our concerns with regard to value for money, we are now working on a framework that sets out how to assess whether a unit linked or a hybrid product offers value for money, taking into account the needs, objectives, and characteristics of a target market. That is a first step towards a broader set of tools to make it easier for firms as well as supervisors to assess costs and to help supervisors in testing the value for money of products, and by providing also practical benchmarks. In the area of conduct supervision, we therefore welcome the work done by the central bank of Ireland on price optimization and inducements. With regard to price optimizations or differential pricing, as it is also often called, while the central bank of Ireland has been at the forefront tackling this issue, through our consumer transfer, we see that it is becoming an issue across Europe as a whole, and this is something that IOPA will take up to ensure that the advantages brought in by price optimizations do not lead to unjustified discriminatory practices and financial exclusion. Now, here I'll stop discussing insurance and I want to move towards pensions. Here, of course, the European landscape is very diverse. We have different frameworks in place, we see different models, different levels of participation, and also very different types of contributions. And here in Ireland, the situation is even more specific, given that there is such a large number of IOPs, even though many of them are very small. In fact, while Ireland represents 1% of the total EU population, it lays about a claim on 50% of all pension schemes we have in Europe. And if I talk about IOPs alone, Ireland represents approximately 98% of all IOPs in the EU. And that's interesting, of course. Now, for IOPs, we also have a good foundation in place, albeit that from a regulatory point of view, it takes a minimum harmonization approach. Still, that framework is there and I think that even though the transposition of the directive also in Ireland is not without its challenges, particularly in Ireland, of course, with the high number of small IOPs, I really believe that overall, the stronger governance and risk management requirements in the directive should be seen as a very positive development. And I also think that we must think about the sustainability of schemes, especially given that the small size of the market and the high number of one-person IOPs in the long run may lead up, may cause for some challenges that that EU as a society name would have to deal with. Now, in terms of supervision, IOP can add value through opinions and discuss and agree by the national supervisors on our table to also support what is done with regard to expectations from the supervisory community, and we call those opinions. And we've published two in the area of pensions in September. One covers the supervision of the risk assessments by IOPs covering DC schemes, and it seeks to ensure that risks borne by the IOPs DC IOPs are approximately are appropriately monitored and also quantified and managed. The other opinion is on the supervisory reporting of cost and charges of IOPs. And here the point is that cost efficiency, especially in times of low yield, is very important. And 1% increase in costs now can have a 20% impact on the amount of pensions received in the end. Now, to address this, the opinion sets out expectations on the supervisory reporting of costs and charges of IOPs. And of course, it includes proportionality. IOP can and will also carefully look at the impact of the implementation of the IOP2 directive on cross-border activity. We expect to receive a call for advice on the review of the IOP2 directive early next year from the Commission. And cross-border activity will be part of it, as well as, of course, the role of sustainable finance in pensions and pension solving. And let me briefly also mention another work stream at IOPa with regard to pensions. And it has to do with something we see across the board in Europe. Even though there is a high number of pension schemes in Ireland, the proportion of employees with supplementary pension cover is low by comparison with those countries that have a mandatory or quasi-manitory system. Just 35% of the private sector workforce has such cover. And in that, Ireland is not unique. As I said, we see across the board that there are still, for good reasons, concerns about how much people are saving for retirement. And what we believe now in numbers that one in five Europeans is not saving enough or saving at all sometimes for retirement. Now, when it comes to sharing a European perspective on risks and ways to mitigate these, sharing data, identifying practices, we have a role and we can play a positive role. And so what we have done with regard to the data that we have at hand, we have responded or we will respond soon to another request of the European Commission to come up with a way to better be able to identify gaps on the pension side. And we will provide advice to the European Commission at the end of this year. One will be on advice on the development of pension dashboards to support EU and member states in monitoring the adequacy and sustainability of pension systems. So this is at the national level of dashboard that gives an indication of where you are. The second is to provide advice regarding the development of a national pension tracking tool, sorry, national pension tracking tool. And that is particularly for consumers who could then log in and just see where they themselves are with their savings based on pillar one, two and three. And so have an overview of their future retirement income and hopefully make decisions and take actions where necessary. Now by providing this support to develop dashboards and tracking systems, IOPA can help raise awareness at the individual level and the national level, provide people with information about how their pension savings are doing. This is necessary as so many people don't start thinking about their retirement. And I think you'll recognize this until they are getting too close to it. And then for many it is too late. I'll stop here with the pensions. I'm happy to take any questions. And I want to then move on to some other protection gaps and in particular with regard to the new risks we are facing. And I'll start with digitalization. Digitalization has accelerated as a result of the pandemic. It has a positive sign, lower running costs for insurers, better price policies for consumers. Many more. There are also risks, bias, exclusion, ethical use of data. These are methods we need to discuss and mitigate. We recognize that the value of digitalization and innovation brings to the sector and the society a lot of value. And at the same time, we also need to continue, monitor what is happening and motivate it at the same time, in particular in the light of the Commission's digital finance strategy. What we will do is we will focus on consumer outcomes while building the right foundations for an appropriate regulatory framework for the longer term, providing advice on how to address same activity, same risk, same rules. The other side of digitalization, and there it is, is cyber risk. And here we are seeing an increase in the number and complexity of cyber attacks. For insurance and pension funds, there is a dual challenge. Managing own risks with their organizations and across the value chain and at the same time keeping pace with the rapidly evolving nature of threats and rapidly evolving technology. Keeping this financial system safe is absolutely essential and is also where operational resilience testing and cooperation will play a role. So IELPA very much welcomes the new legislative proposal on the Digital Operational Resilience Act or DORA. And we will focus on preparing the technical work needed in its implementation so that participants in the financial system have the necessary safeguards in place to mitigate cyber attacks. We also need to consider the important role that a sound cyber insurance has in raising awareness of the risks and losses that can result from cyber attacks as well as facilitating responses and recovery. And so as part of our ongoing work, IELPA will continue to implement its cyber underwriting strategy and we also are very actively participating in the international supervisory dialogue on supervising cyber risks both in the IAS as well as in the EU-US dialogue. Last but not least, sustainability. Beyond COVID-19, it is our most immediate challenge. Both insurance and sectors play an important role in climate change, adaption and mitigation.  Insurance and pension funds can make a difference. At IELPA we are working on a number of different projects in this area. In the last year we have published reports on how insurers can integrate climate risk in the NETCAD underwriting calibration and on the impact and integration of climate change-related risks in underwriting and pricing. Looking ahead, IELPA will continue to ensure that reinsurance and occupational pension funds and insurers integrate sustainability risk in their risk management and that starts with the ORSA. And we also will include integrating taxonomy regulations into requirements applicable to insurance and pensions. In terms of the social taxonomy, the sustainable finance platform work on the EU social taxonomy will inform IELPA's thinking on the role that reinsurers, insurance and pension funds can have in relation to sustainability. Moreover, we very much again welcome the mandate given to IELPA on sustainability in the Solvency to Review, reassessing the NETCAD risk calibration every two years, as well as starting the thought process on risk differentials with regards to sustainable assets. Now let me conclude. And let me conclude by saying that while these are challenging times, they are also a time in which the insurance and pension sectors really can thrive. There are opportunities. For this to happen, we need strong foundations. We need strong relationships and strong commitment to work together to build insurance and pension sectors that not only prosper, but that also protect stability and protection at the heart of our mandate at IELPA. And we very much look forward to working on this with all our partners, including you all here in Ireland. And so together address the coming priorities. And with that, I'll stop. And I'm happy to take any questions.


Let's explain how ionic molecules are formed. To do that, we need to look at the electronic configuration of noble gases. Here's what I mean. If you take helium, we know that it has two electrons in it. But how are they arranged inside the atom? Well, it turns out that the two electrons of the helium are in the first shell, which we call the K-shell. Alright, and that's it. But what if you consider neon, the next noble gas? It has 10 electrons. How is that arranged? Well, again, the first shell contains the two electrons because that's the maximum capacity of the first shell. But then if you go to the second shell, which is the L-shell, the second shell has a capacity to have eight electrons. And so in neon, you have the first two in the first shell, the K-shell, and the next eight in the next shell. And that's how you have two and eight. That's the electronic configuration of neon. Okay, let's do one more. What about argon, which has 18 electrons? Just like before, just like with the neon, we start with the two in the first shell, then the eight in the next shell, and the remaining eight will come in the next shell again. What we will find if we continue this with all the other noble gases is that except helium, all the noble gases will have eight electrons in its outer most shell. And so we thought that, okay, maybe this is the reason why these gases are noble, meaning they don't react. Maybe the rule for not reacting, the rule for stability, which we now call as the octet rule, is that you need eight valence electrons. Valence means electrons in the last shell, the valence shell. If you have eight valence electrons, you get stability, and then you will not react with anything. How does this help, you may ask? This helps us understand how other atoms are going to react, because their motivation is to achieve octet. Let's see how. So let's consider the formation of NaCl. For that, let's look at the electronic configuration of sodium. Sodium has 11 electrons. So how will it, how will it be arranged inside the atom? Well, again, the first two in the first shell, the next eight in the second shell. So we have 10 now, and we have only one remaining. So remember, the second shell can only accommodate maximum eight. So where does the remaining one go? It has to go in the third shell. So now, if we were sodium, how could we achieve octet? Well, one way is to get seven more electrons, so that the final one, this third shell, also has eight electrons, but that's so hard to get seven more electrons. Instead, if we were sodium, we would want to just lose that one electron, because if we lost that one electron, then we will have octet, and we will go back like this if we lost that one electron, and we would be stable. So as sodium, we want to get rid of that one electron so that we get our octet, okay? So that's the sodium story. But what about chlorine? Chlorine has 17 electrons. So what would its electronic configuration look like? I want you to pause the video at this point and see if you can write that down yourself. All right, let's go. So again, we start with the first two in the first shell, then we get the next eight. So we are done with 10. Now we have the remaining seven. That remaining seven comes in the last shell. And now if we were chlorine, how would we achieve octet? We could either get rid of all the seven electrons so that we have octet here. The fancy shell has eight electrons, but that's so hard to get rid of all seven electrons. Instead, if we got one more, if we, if we, if somebody gave us one more electron, then we would finish the octet of the third shell and we would then be stable. So look what has happening. Sodium wants to get rid of its electron to achieve stability. Chlorine wants to gain one electron to achieve stability. That's such a cool deal. So that when sodium and chloride come together and the conditions are right, sodium will transfer one electron to chlorine, sodium becomes happy, chlorine becomes happy and everyone is just happy now. But notice what has happened. If sodium loses that one electron, it becomes positively charged. And if chlorine gains an electron, it becomes negatively charged. And so now these have become ions and positives and negatives attract. And because of that, they're going to stick to each other. And this is how ionic bonds are formed. Beautiful, isn't it? Now because drawing this and writing this is such a pain, if you're doing this in pen and paper, what is a faster way to represent that? A faster, quicker way to represent is using an electron dot structure. And so the way we represent this in electron dot structure is we write like this. We show the valence electron of the sodium that is over here. We show the valence electrons of chlorine, the seven valence electrons of chlorine. And we show the transfer from sodium to chlorine. To differentiate the two, we use dot for one, we use cross for the other. Same dot structure that we've been using earlier as well. And now when this happens, what do we get? Well, sodium becomes positively charged. Chlorine gets that extra electron becomes negatively charged and they stick to each other. And this is how we show. Usually the positive charge we show in say ground brackets, the negative charge species we show in a square bracket and then we put them each other showing that they are now bonded. This is how sodium chloride is formed. Okay, let's do one more. Let's consider magnesium chloride. How is that formed? Well, again, let's look at magnesium. It has 12 electrons. Why don't you pause the video? And see if you can figure the whole thing out yourself. All right, let's do this. Electronic configuration for magnesium, the first two in the first shell, the next eight in the second shell. So we are done with 10. We have two more remaining. The two more has to be in the last shell. Now as magnesium, we would say, ah, I want to get rid of these two. If I got rid of these two, I would go back to being, having eight electrons octet and I would be so happy. So as magnesium, we want to get rid of these two electrons. Okay, what about chlorine? We've already seen what happens with chlorine. It has 70 electrons, two in the first, remaining eight in the second. So that's 10. And the last remaining seven is in the last one and it wants one electron. So look at the situation that we have this time. Magnesium wants to get rid of two electrons, but chlorine only wants one electron to complete its octet. So how do they, how are they going to arrange it? Well magnesium says, look, I'm going to give you this electron. And if there's another chlorine nearby, I'm going to give the second electron to the another chlorine.  I'm going to bond with two chlorine. I'm going to transfer my electrons to two chlorines and that's how, that's how it's going to work out. And therefore magnesium bonds with two chlorine and that's why you get MgCl2. It all makes sense now, isn't it? So again, how do we write the electron dot structure? Well, same thing as before. These are the two valence electrons of magnesium, which we are transferring to chlorine. And look, chlorine has seven valence electrons, whatever we have over here. So what do we get as a result of this? Well, look, magnesium has lost two of its electrons. So it'll have two positive charge, so two plus chlorine. Each chlorine has gotten only one electron. So each chlorine has one negative charge. But since there are two chlorines, there are two chlorines that is represented over here. So two such chlorines together bonded with one magnesium and the charge keeps them together and ionic bond is formed. That's how we get MgCl2. So that's basically how ionic bonds are formed. Beautiful, isn't it?


Hello and welcome to the session, my name is Mansi and I am going to help you with the following question. The question says in figure 8.30 that means this figure, A, D and C, E are two altitudes of triangle ABC, prove that triangle ABD is similar to triangle CBE. So let us start with the solution to this question. Now we see that in triangle ABD and triangle CBE, first of all we see that angle B is common in both the triangles. So first thing is angle B is equal to angle B because that is a common angle in both the triangles. Second we see that in ABD and triangle CBE, angle ADB is equal to angle CEB because both AD and CE they are perpendicular. So each of them is equal to 90 degree, therefore triangle ABD is similar to triangle CBE by angle angle criterion, hence proved. I hope you understood the question and you enjoyed the session, have a good day.


Some people think that one day computers will be as intelligent as humans. Do you think that will happen? I don't think so. Do you think that will happen? Of course I'm more intelligent than any PV presenter. Which it hurts. Well, not really. I'm a robot. Okay, what is the capital of New Zealand? What kind of question is that? Everybody knows that the capital of New Zealand is Wellington. Okay, what's four times five? Seriously, I'm not a calculator. I'm a robot. I'm capable of doing amazing things.  The answer is 20. Who is your father? Tell me more about your family. What? No, I asked you. Who is your father? Tell me more about your family. What? At the moment, computers don't have the general intelligence of humans but they can do some jobs that require specialised intelligence such as playing board games, speech recognition for telephone answering, analysing buying patterns and making recommendations for online shopping, video games, logistics planning and scheduling, recognising what's in an image, intelligent controllers for driving cars. In this chapter, we'll look at some applications and also think about what it means for software to be intelligent. We'll also think about ethical issues. Do we really want to build something that is as intelligent as us? Do we want to be giving our jobs to robots? Should robots be treated as equals? Mary? Yes? Will you be my friend? Sure thing, Martin. Anyway, let's start by looking at some... Mary? Yes? Will you be my girlfriend? I'll get back to you. Anyway, let's start with some practical applications.