What's up everybody? Welcome to the front yard fantasy hour presented by FanDuel. I'm your host Simon, joined as always by my co-hosts, John Lou Grofflo and Joey Wright. What's up boys? Hello. Hello. How's it going? I'm digging the jersey. You had an outfit change between the last show, Joey. I did. I had to cleanse my entire being after that last show. It was very hot. Yeah, you needed some church after that. Maybe you got that jersey at church. Guys, also joining us today, we've got our good friend, Skyler, aka the actor Ruffalo joining us. For those of you that do not know Skyler, he is the B in JWB fantasy football and we are hyped to have him on today. Skyler, thank you so much for coming on today, my man. I'm stoked to be here. I'm ready to get into it. Hopefully I won't need a soft reset in my, in what I'm wearing after this like Joey did. Maybe, you know what he did? We'll call the time out. You can go change that shirt if you need to. Maybe then the Davis jersey back on for good luck. It seemed to work last night. I had special occasions. We can't, we can't run the lock of the Gabe Davis jersey every week. You're right. You're right. We got Dave in the chat. You already got a cheering section saying team Skyler for this show. Dave's pulling for you and Albert saying, hello everyone. Hello, Albert. Hello, Albert. Welcome to have you here. Dame Overlord said, well, howdy folks. Hello, howdy, Dave. Hello, Dave. Dave, thank you so much. Overload. And Dave said, oh, hi. Oh, hi. One specific person down there. Oh, hi. I knew it was coming. I was so happy. I have to appease my fan base. Mr. Scamper said, aloe vera body. I'm not sure what that means, but I'm a full agreement. I agree. Okay. If you didn't know what aloe vera was like, like imagine it's not a thing. Wouldn't that be like a beautiful name? Like, hi, what's your name? Oh, my name's aloe vera. Like it just kind of loads. Nice. Like first name, aloe, middle name, vera. It's absolutely beautiful. We got Raymond in the chat saying rock and roll. Rock and roll, baby. What's up, Raymond? And Jacob said, do I root for my Kony or for my JWT teammate? The choice is the choice. You know the answer. Mr. Kony, Joey. Yeah, he's, we are partners. Jacob, we are partners. We are partners. And in a link together. We are partners. Yeah. We draft it together. And I'll have to say, like I've been in these drafts before, where you have like a person you draft with and you fight the whole time and it wasn't like that. We're like, yep, that's what we want to do. So it was really smooth. Put some Jake before you pick sides here. Just remember, I edit your videos. So if you want to look real bad, or you want me to put something in there for a little fun. I mean, you don't have to root for me. That Kony experience was phenomenal. Shout out to, shout out to Skyline and JWT guys for running that league. I got paired up with Rob Norton, who also runs the baby bowl.  Such a pleasure drafting with him. It was someone I didn't know very well before that. And now I feel like me and Rob are a lot closer and we drafted a kick-ass team. Started off with Cooper Cup last night. Yeah. It started pretty hot. We'll see if we can keep it going. That's awesome. Maria in the chat saying, hello. Hello, Maria. Hello, Maria. Hi, to have you here. Hi, Maria. I think Dave loved the aloe vera. He was all about it on that name right there. And Dave said, name's Vera. Aloe vera. Aloe vera. It's the next spy movie right there. And Dave said, Joey, I'm coming for that Eliminator shirt after last night's Josh Allen performance. Hey, yeah, Dame is the one in my, I have two Eliminators. Dame's in one of them. And the one she's in gets a Ohio club shirt. Ohio. Oh, those old club shirts are so sick. There's only one right now in existence and it belongs to me. But they'll be, they'll be coming soon. There will be more in existence. There's a plan. There's a plan. We got Mike in the chat. Daddy's home FF saying Coney league shout out indeed. Coney league shout out guys today. We brought Skyler on here to play one of our favorite games fantasy fortune before we do that though, a couple reminders and an announcement. First and foremost, if you are not following our friend Skyler on Twitter, go and fix that right now. Like literally right now, open up Twitter on your phone or on your laptop. He's on Twitter at the FF Buffalo. The B stands for Buffalo and JWB right there. And then make sure you're following JWB fantasy football on Twitter. You can find them at JWB underscore FF. You're going to want to be following this guys. They got, they got the great analysis and they're just fun to watch. They're great people. They put together awesome content. It's some of my favorite in this business. After you do that, if you're watching this show, that means you're probably already on the fan dual YouTube or Twitch channel. If you're on Twitch, hit that follow button. If you are on YouTube, scream at the top of your lungs while you hit subscribe. It just makes it mean more when you hit that button. Then after you do that, make sure you check out fan dual across all their other platforms, TikTok, Instagram, Facebook, Twitter. You can find them at fan dual on every single one of those. Easy to find right there. And we got a vouch for JWB in the chat from Toronto Dave. And that's an important voucher right there coming from Dave. Now for the announcement. I know we are used to Fridays at 6pm Eastern time for the front yard fantasy hour, but starting next week, the front yard fantasy hour will be live at the same place on Thursdays from 5 to 6pm Eastern time. We're switching times. We're going to Thursday and we're going to be on from 5 to 6.  We will go straight over to our channel. It's going to be redirected for fantasy football office hours. Myself, Joey and a rotating cast of guests are going to come in and help answer any fantasy football questions that you could have. So next week, Thursday, 5pm, don't forget to tune into front yard fantasy hour right here on the FanDuel YouTube and Twitch channels.  Oh, yeah. It's been a minute. I'm ready to play. I've lost so much lately. I've just lost after loss after loss.  You have been two weeks now. Two weeks. And how many hours is that? That's 30 hours of shows. A lot of games. And you have yet to pull up a victory over there. Yeah, yeah, yeah. I am not a part of the show, and I've won twice. Joey's got two. You're not the only ones. Before JL got one. And Mike in here vouching for JWB as well with all the exclamation points and all caps. You know what means something like that. And Dave said, bonk after bonk for JL. JL, you're getting used to me. Bonk after bonk. Oh, I am. Bonk, I am so. I am no stranger to bonking. Let me tell you. Let me tell you. You have been full bonked for the last two weeks. Just bonked out of your mind. The last hyper bonked. Hyper bonked. It's the game we're playing today is fantasy fortune. It's a lot like the popular TV show Wheel of Fortune, but with an NFL or fantasy twist, instead of spinning the wheel, our contestants are going to be answering 50 50 NFL or fantasy related trivia questions. Get the question right. You're going to get to guess a letter that you think appears in the puzzle. For every instance of that letter that's up there, you're going to have $500 to your round bank. During your turn, you can do two other actions before a question has been asked. You can choose to buy a vowel, which is going to cost 100 per instance of the vowel that shows up up to a max of 500. And we will require that you have at least $500 in your round bank to make that choice, to choose to buy a vowel. Or you can solve the puzzle, which you will earn a minimum of $1,000 into your total bank for solving. That is not 1000 plus whatever you have in your round bank. It's a minimum of 1000. So if you've got 500, you're going to get 1000. But if you've got 1500, you're going to get 1500. You can go up to three times in a row on your turn if you get the question and the letter correct. But after three times, we will move on to the next contestant after giving you five seconds to try and solve the puzzle. But you will bank all of the money into your total bank that you had earned so far up to that point. So there's multiple routes to winning this game. You can be good at solving puzzles or you can just kill the trivia on the letters and earn a massive bank roll that way. We can get very lucky. Or you can get very lucky. We will go until we run out of time or run out of puzzles, at which point the person with the most money is going to be our fantasy fortune champion here on the front yard fantasy hour this Friday, September 9th, 2022, the day after the start of the NFL season. You guys ready to get in there? Oh, yes, I am. My favorite part about this game is whenever I explain all the rules and then I load up the first puzzle as a toss up and I get to say, forget everything you just said because this one's going to work a little differently. Out this one is going to work is I'm going to slowly reveal letters in this NFL players name. If you know who the player is, say your name. Get it right. You're going to get $500 into your total bank, a little boost to start the game out and you will get to go first on the first actual puzzle. Skyler, Joey, Jail, you guys ready for this one? Yes, sir. A reminder to our contestants, make sure you are in the private chat, not in the comments because our viewers are generally pretty good at this game and they get it before we do. That chat is smart. They don't get bonked very often, do they? They do not. They do not. This first category is an NFL player. So this is going to be an NFL player's name, an active NFL player. I'm going to go and start revealing these letters. Say your name when you know who it is. Joey, Gabriel Davis. Oh, damn it. I'm sorry, Joey. Now you are out for the first round, but I like the YOLO shot on this one. You saw the eye and still went with it. You cannot buzz in again. You have the eye processed a little bit slower than the excitement to say Gabriel Davis did. I'm going to keep revealing letters. Jail. Okay, Jail. Who do you think this is? Brandon Ayuk, esteemed philosopher. It is the esteemed philosopher, Brandon Ayuk. Oops, and I gave that to Joey. That was supposed to go to Jail right there, but I was so confident. I was like, oh, I got this. It makes so much sense. He had such a good game last night. Nope. I swear, guys, I just saw Skyler's comment in the private chat. Skyler, please believe me, because he asked, this is a player, yeah? And I don't want you to think I just completely ignored you and then went and solved the puzzle for my own game. That's not what's happening here. I saw the question and I just answered verbally. He answered it. Oh, okay, okay, okay, okay. I saw it and I just worked it in smooth, Jail. Is that nice? It's like it was part of what we were supposed to say anyways. I would have even known that I was answering a question from somebody on the stream. So you pulled the curtain back and revealed. Whoops. The chat got this one. Dane with Ayuk, Mike with Ayuk, Maria with Ayuk. They're just copying me. And Daddy's home saying Jail cheats again. Jail cheats again. And Dane with the Jameson Crowder, shout out Craig in the Crowder Club over there. But it is not Jameson Crowder Club. Hey, Crowder kind of looked a little good. He did. Yeah, when he was there. He was the slot wide receiver that was targeted on an interception that wasn't his fault, at least. Isaiah McKinsey gave up an interception, but Jameson Crowder was Josh Allen's fault. He's the little zone beater. It's exciting to see him kind of come in on those third downs, get low, get in the little spaces, and be a dependable little target. It was a good showing for Crowder. I'm glad to have him on Buffalo's team. Yeah, and I think after seeing that game last night, the answer to Isaiah McKinsey or Jameson Crowder is unfortunately for fantasy, both. Like I do think they're going to be used in different ways. They're different kinds of players in that slot role. Mackenzie's the faster, more athletic guy. Jameson Crowder is probably the better route runner. He's got more experience in that position. So we're going to see those guys in different situations. Like you said, Skyway, Jameson Crowder is going to be that third down zone beater guy. Yep, where Mackenzie's more man, get him on wheels, get him in screens, you know, a little more downfield. And I think both will be tough to play in fantasy, but I digress. Absolutely. Dave and you said the real fortune is watching the show. Just incredible. And Coop said the real fortune is the friends we made along the way.  Yeah, get out of here.   Boo. And Maria said, how does Jail not win more often? He's even a bad cheater. I know, right? I think he's one of the cheaters. Step up your cheating game, Jail.  I'm trying, but no one will tell me how. You don't got a cheat sheet for this one. Guys, before we move on to the next puzzle, with George Kittle possibly being out, I think Brandon Ayuk could have an expanded role in this game on Sunday. Skyler, we'll start with you. Does this move, Brandon Ayuk, up your rankings if George Kittle does in fact not start? Yeah, I have a lot more confidence to flex Brandon Ayuk because the wide receiver 3-4 type, if George Kittle's out, absolutely does move him up. It's a tough start otherwise, but for sure. For sure. Joey, what about you? Are you in agreement here? Yeah, I was seeing that Tyler Crofts who's going to sub in for Kittle if Kittle's out, and I have no interest in Croft. It's Brandon Ayuk, so I have interest in San Francisco receiving games, though, for sure. So Jail, I'll ask you, Brandon Ayuk or Amari Cooper this week, assuming George Kittle misses? Give me Ayuk. Ayuk, Skyler, what about you? Ayuk or Cooper? It's Cooper. Both kind of gross. I'm probably going with Brandon Ayuk. Yeah, it's a fairly gross one. And then Joey, I know you're expecting a Panthers win in this Browns game, a surprise Panthers win. Do you think that would guide you to take Brandon Ayuk over Amari Cooper? Yeah, I'd rather play Ayuk than Cooper. Rather play Ayuk and Cooper here saying fight in the IRL. Yeah, I got you, man.  He's not in Boston. He just pretends like he's in Boston. He just pretends like he's in Nebraska or something. He's probably at the Scar Shot. He's using the Touch Shot. Right, Cooper? Scar Shot. Or at the Flashlight Store. Yeah. Burn, God. This is Cooper's The World Maria. Oh, my God, so melodramatic. So Boston, right, to have that mentality. Is that the right word? Is that even melodramatic? Is that even melodramatic? I'm not quite sure what melodramatic means, but it sounds right. It's mellow is one thing. Dramatic is another thing. But then you spell mellow differently whenever you put it next to dramatic. It's like I'm coming to play. It's like I really thought a pre-Madonna was like related to the singer until I saw it written for the first time in like my 20s. I read it as like P-R-E hyphen Madonna, like before their celebrity. Like I just kind of spent with the definition as well.      Come in your way, get into the private chat. And we are back with my favorite category, horrible team names. So these are fantasy football team names that I think are objectively horrible. And you know what? Yesterday for the first time, the people in the chat agreed with me. They hated the ones that I put in there. And it was a decent one. I loved it. The first one that the chat hates jail is like, this is the best one you've done. Why do you have everybody loves puns? Everybody gets on me for not liking puns. And then there's a good pun and everybody's like, oh, boo, bad. Which one did you like better jail? Was it Russell Sprouts or was it Daddy Daycar? It was Daddy Daycar. Daddy Daycar wasn't pretty good. Yeah, that was it.  I would like to say why I didn't like Daddy Daycar because there's only four letters. And oh, in the game forever. Yeah, it took forever to guess. Oh, yeah.  Davis is D and the whole board explodes with lights. Yeah, he gets all the points for D. Jail, you solved that toss up puzzle. So we're going to start with you and you've got an early lead 500 to zero. Would you like to solve this puzzle? Or would you like to start with a question? I need a question. Okay, Jail, we're going to start with some PPR fantasy points from last season questions. Okay. PPR fantasy points from 2021. All fantasy point questions are going to be PPR. So if I don't say it, you guys can just assume I'm talking PPR for this game, though. Jail, what I want to know is who scored more PPR fantasy points last season? Who scored more PPR fantasy points last season? Was it Marvin Jones Jr. or was it Robbie Anderson? Marvin Jones. Jail, you are absolutely correct by about 50 points in that one. Which letter would you like? I know Robbie Anderson had the targets. I'm going to go with a T. There are two T's in this puzzle. Right. A thousand. Talking. Would you like to buy a van? Or would you like another question? Or so I'm going to take another question. Another question. Okay, Jail, who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Gabriel Davis? Or was it Cedric Wilson Jr.? Gabe Davis. I'm sorry, it was Cedric Wilson Jr. with more PPR fantasy points last season. Gabe Davis turned it on at the end, but he didn't do much in the beginning of the year last year. Skyler, we're going to move on to you now. Jail, there's some T's on the board, but it's your turn. Would you like to solve this puzzler? Do you want a question? I'll take a question. Okay, who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Cortland Sutton? Or was it Devonta Smith? It was Devonta Smith. It absolutely was Devonta Smith. Which letter would you like? I'll take an R. An R. There's no R in this puzzle, Skyler. Rough start, we're moving on to Joey. Joey, would you like a question or would you like to solve? I would like a question, because Gabriel Davis doesn't fit. And that's the only phrase I know tonight. Who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Tyler Boyd or was it Marquez Calloway? Tyler Boyd. Tyler Boyd is correct, but by less than 30 PPR fantasy points, Joey, which letter would you like? Thanks for giving me an easy one. I would like an S. An S. There's no S in this puzzle. Yeah, just give Jail a Skyler turn, and then you can try again, Joey. Thank you. I promise. Jail, we're back to you. Would you like a question or would you like to solve? I have a question. I have a question. Okay. Who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Antonio Gibson or was it Devin Singletary? Gibson. Gibson is absolutely correct, Jail. Which letter would you like? I will take an H. Give me an H. There are no Hs in this puzzle. I swear there's more than four letters in this one though. Skyler, would you like a question or would you like to solve? Oh, give me a question. Oh, so I love David here. He says, R. Bonk. Ronk. I'm going to ask the song. Tonk. Tonk. Can I make him say a dirty word if I pick a snope? There's no dirty words also.  With just one letter in front of it, Jail. There can be now. Skyler, are you ready for your question? Yes, sir. Who scored more PPR fantasy points last season? Was it Tony Pollard or was it Javante Williams? Javante Williams did. That is correct by about 40 PPR fantasy points. Which letter would you like? I will take an N. An N. There are three Ns in this puzzle. Skyler. Nice. You can add 1500 to your round bank. So now you got three choices. You can buy a vowel, you can solve it, or you can take another question. Okay, I'll take another question. Dave said honk for the answer. Shout out Untitled Goose Game. Yes, greatest video game of the last 50 years. It's so good. 50. Skyler's last 50 years. Forget Breath of the Wild, Untitled Goose Game. What was out of 50 years ago? Barrios too. No, Untitled Goose Game. Skyler, you said another question, right, before I got distracted by the honk in the chat. That would be correct. Okay, your question is, how many points did you get? That would be correct. Okay, your question is, who scored more PPR fantasy points last season? Was it Melvin Gordon, or was it Michael Carter? That would be Gordon. It absolutely was Gordon. Skyler, which letter would you like? I would take a D. A D. D, given the D. There are two Ds in this puzzle, bringing you up to 2500. This will be your last opportunity to buy vowels before it goes to somebody else's turn. Unless you solve it before it's their turn right there. Would you like to buy a vowel, or would you like to go into your final question? Remember, get this last one right. Get the letter right. You bank this money, whether you solve it or not. So, I can get a question if I buy a vowel first? Yes, as long as the vowel's up there. If you buy a vowel, I'll buy a vowel then, just to see what we're working with. I'll buy an A. An A, there are two As in this puzzle, going to subtract 200. Would you like to buy another vowel, or would you like another question? Um, I will take another question. Okay, here is your question, Skyler. Get this one right. Get the letter. You're going to bank this money. Who scored more PPR fantasy points last season? Who scored more PPR fantasy points last season? Was it Dawson Knox, or was it Zach Erz? It was Dawson Knox. I'm sorry. It was Zach Erz with 180.7 PPR fantasy points. That's like a full PPR thing. I think so. Yeah, Zach Erz got a lot of targets down there. And in Arizona after he got traded there, that was definitely a tougher one. But we're going to move on to Joey. Joey, would you like to solve this puzzle? Would you like another question? I only know one word. So, is it Ant? It is Ant. That's the one I know. I'll take a question. Yeah. Okay, Joey. Who scored more PPR fantasy points last season? Who scored more PPR fantasy points last season? Was it Hunter Henry, or was it Kyle Pitts? I'm going to go with Kyle Pitts. And you would be correct. It is awfully close, though. Only about 16 fantasy points separating them. Joey, which letter would you like? L. L? Yeah. Let's see. And you're going to take to L. There are no L's in this puzzle. Would you be drawn to JL? JL was like a question. Okay. My question for you, JL, is who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Van Jefferson, or was it Elijah Moore? Van Jefferson. Van Jefferson's correct. He had those six extra games, even though Elijah Moore blew up for a bit there. Which letter would you like, JL? What's on the board still? I'll go with a P. A P? Yeah. There are no P's in this puzzle, JL. Pong. Man. And David here was long. Also, Dr. Kluss says, where's the goat gab? I don't know. The goat gab. Not on this show. But the gab's pretty cool. Shout out gab. Shout out gab. Shout out gab. Skyler, we're moving on to you. Would you like a question? Would you like to solve it? Would you like to buy a vowel? We will buy U. A U. There's one U in this puzzle. Give us a track 100. Unfortunately, that's what I thought the U was. Would you like to buy another vowel, or would you like a question? I'll take a question. Okay. My question for you. We're going to move on from PPR fantasy points, and we're going to talk some rushing yards right now. Who had more rushing yards last season? Was it Miles Gaskin or was it Lamar Jackson? Oh, it was Lamar Jackson. I was like, I completely baited. It absolutely was Lamar Jackson. Which letter would you like, Skyler? We'll take a C. I'm sorry. There are no Cs in this puzzle. This is your puzzle's nailing it, Simon. Yeah. Yeah. Our quality. Two bad days in a row with puzzles. I thought this one had more letters in it. Joey, would you like a question? Would you like to solve? Question. Don't look in the chat, though, guys. I'm just telling you right now, unless you're big cheaters. Joey, my question for you is, who had more rushing yards last season? Who had more rushing yards last season? When they run with the ball? Got it. That's when they run with the ball. Yeah. If it's handed off to them. Exactly. I was going to say, as long as the other guy doesn't toss it up in the year. I know what rushing is. I'm a fantasy ball analyst. Official terms we're using right here. Who had more rushing yards last season? Was it Miles Sanders or was it Cordero Patterson? I don't think he goes ahead. A lot of rushing yards. I'm going to go Miles Sanders. You would be correct, Joey. 754 to Patterson. 618. Nice. Yeah. I would have had that wrong. I would have had that wrong. Patterson caught a lot, which is also yardage, but it's receiving yards. Emma is a monster. No. And seriously, Simon? Hey, this puzzle has been solved in the comments. So we're talking five minutes ago. Yeah. It's the chat. They're undefeated. Of course, they've already solved it. They've got Google. Yeah. The chat can go crazy. They don't have the lights on them and the pressure. And the studio audience behind them, I mean, they don't deal with that. Yeah. And they're smarter than us. And they're smarter. Very good voice.  Jail, would you like to solve this problem? Man, it just got violent towards the chat. I was like, Jail, would you like another question? I just love talking about that, Alan. I would like to take a question. You guys are sticking with the questions. Val is like, how's it going to get this out? Can I take it? Can I buy a Val? You can buy a Val. Too bad. I want a question. Oh, wait. Which, Jail, your question is, who had more rushing yards last season? Who had more rushing yards last season? Was it Devon Singletary or was it Josh Allen? Rushing yards? Rushing yards. Is it too late to buy a Val? Well, I asked the question. You can do it after this if you get it right. You said Devon Singletary and who's the other one? Josh Allen, his quarterback. Rushing yards. I'm going to go with Singletary. And you would be right, Jail. Devon Singletary at 870 yards compared to Josh Allen's 763. Which letter would you like? I am so scared right now. I don't even know. Everyone feels wrong. I'll go with, I'll go with the K. A K. There are no Ks in this puzzle. So you cannot buy a Val anymore. Maybe we only need one puzzle. Maybe I spent way too long prepping puzzles today. We could have just gone to this one. Skyler, which letter would you like? Am I, am I terribly constructed puzzle for you? Or would you like a question or would you like to buy a Val? Or solve? If I answer a question and get it right, can I buy a Val after that? You have to get a continent right first. So if you get the question right, you have to get a continent and then you could buy a Val. Or you could buy a Val now. All right. Give me a question. Give me a question. A question. Who had more rushing yards last season? Who had more rushing yards last season? Was it Elijah Mitchell or was it Leonard Fournette? Oh, why does that feel like it shouldn't be closed? I'll go with Leonard Fournette. I'll get baited. You did get baited. It's Elijah Mitchell with 963 compared to Leonard Fournette's 812. Elijah Mitchell was the man last year when I was giving him a Val. He was, but I was going for games played. Yeah. A hundred percent. Missed one or two. Joey, would you like a question? Save us, Joey. You can't buy a Val. Chill me. Or would you like to solve? I have to take a question. I've gotten all my questions right and that's what's frustrating. Because usually I get a problem. Joey, here's your question. Who had more rushing touchdowns last year? So we're going touchdowns. Who had more rushing touchdowns last year? Was it Jalen Hertz or was it Najee Harris?  Say this two names again so I can. Jalen Hertz and Najee Harris. Jalen Hertz. You are correct. 10 to 7. Joey, which letter would you like? A very unconfident G. Unconfident. There is no G in this puzzle. I might just, I am. I'm rude. We're almost there. Yeah. Which letter would you like? Or would you like to buy a Val? Me? Question or Val? Yeah, it's your turn. Val, please. Oh. There's one O in this puzzle, Jalen. Would you like to buy another Val? Val, E. There's one E in this puzzle, Jalen. Would you like to buy another? Val, I. Okay, the last Val. There are two I's in this puzzle. We're going to subtract 200 more. Would you like a question? Would you like to solve? Oh my God. I like to solve. This is so dumb. Two affinity and beyond. It is two affinity and beyond.  It's called horrible team names, guys. Of course it's dumb. It's pretty good. That's pretty good. I'm not going to lie. That's pretty awesome. Yeah, that added $1,000 to your round bank for getting that one right. Giving you a nice little lead at 1,500. In Albert, a solid nine minutes ago with the correct answer. All right, Albert. I need to show off. Halfway into the game and there's, it's 1,500 to zero to zero. I'm sad I didn't get this answer right because I just wanted to yell it in my house. My kids would have gone crazy. If they think this is bad, just wait until they see Carolina against Cleveland. Oh, great. We are going to pull up our next puzzle. There's plenty of letters in this one. I pulled this one up on purpose so we don't run into what we were going to answer last time. This question is, what are you doing? Jail got that one right, which means Skyler, we're starting with you. Would you like a question or can you solve this one? As much as I think I could solve it, I'll take a question. Okay, Skyler. Who had more receiving yards last season? Who had more receiving yards? Was it Hunter Renfro or was it Amari Cooper? I'll go Hunter Renfro. You would be absolutely correct. Hunter Renfro with 1,038 compared to Cooper's 865. Which letter would you like? We will take an S. An S are three S's in this puzzle. We're going to add 1,500 year round bank. Would you like to buy a Valon? Would you like another question? Or would you like to solve the puzzle? We will take a question. Another question. Who had more receiving yards last season? Who had more receiving yards? Was it Adam Thielen or was it Dallas Goddard? Thielen getting hurt at the end of the year makes it tough. Dallas Goddard. You are absolutely correct by about 100 yards. Which letter would you like, Skyler? We will take an H. An H, there are three H's in this puzzle. Off to a hot start this time. Would you like to buy a Valon? This is your last chance on this turn, unless it gets back to you. And reminder, you get this next question right and the letters on the board. You're going to bank all this money. Which you got a nice amount of. We will buy an E while we're here. There are three E's. Going to subtract 300 from your score. And we will ready for the question. Another question. Who had more receiving yards last season? Was it Hendrick Bourne or was it Amin Ross St. Brown? Oh, daddy's home mic is going to be so mad at me. I'll go for Amin Ross. I'll take the absolute bait. And you read it right, Skyler. It is Amin Ross St. Brown. That wasn't Amin Ross St. Brown. I would have been so mad. Because the coupe would have hurt you and he would have always thrown that at me. You were sneaky good last year, Kendrick though. So he was. I try not to adjust bait people. I try to do something that looked like bait, but they're not. Just to keep you on your toes. Skyler, get this letter right. You're going to bank all this money. You'll have five seconds to try to solve. We'll guess a T and we'll bank it. Well, there are one, two, three, four, five T's in this dozen spell. We're going to add 2,500 and give you a pretty big lead. But you're going to get five seconds to solve this puzzle. I'll start it now. I'm not going to say it. OK, we are going to want to give them words. But you're going to bank that $5,200, giving you a nice lead. Joey, we're on to you. Would you like to solve this puzzle? Would you like a question? Also, I see Dr. Microanalysis in here saying, painfully well done, J.L. I'm solving that puzzle. I said, that's pretty awesome. Very painful. Joey, would you like a question or would you like to solve? Question. My question is, who had more receiving yards last season? Was it Marquise Brown or was it Jacobi Myers? Jacobi Myers. I'm sorry. It was Marquise Brown with 1,008 to Myers, 866. J.L., are you ready for your question or would you like to solve? That seemed like a trap. I need a question. OK, my question for you, J.L., is who had more receiving yards last season? Who had more receiving yards last season? Was it K.J. Osborn or was it T.J. Hawkinson? Osborn. Osborn's correct by about 80 yards, J.L. That one was real close. My apologies, but you got it anyways. Which letter would you like? I will take an R, please. An R. There are three R's in this puzzle. I'm going to add 1,500 to your round bank. Do you want to buy a vowel or would you like another question? I would like to buy an A. An A. Three A's in this puzzle, J.L. I'm going to subtract 300 from your score. I would like to buy a U. A U. There's one U in this puzzle. Would you like to buy another vowel? Would you like a question or would you like to solve? I would like to buy an I. No, you don't. There are three I's in this puzzle and that is the last of the vowels, J.L. So you're either going to need to solve or take a question. I will take another question. Okay, my question for you is who had more receiving yards last season? Who had more receiving yards? Was it Mike Evans or was it George Kittle? Evans. Evans is correct, but only by about 100 yards even with the time Kittle missed. Which letter would you like, J.L.? I will take an N, please. An N. There are three N's in this puzzle. That's going to add 1500 to your score, J.L. Would you like to solve? This is your third question we're going into, right? Yes. Is this your second? Third question? This is third. You can't buy vowels, but would you like to solve this puzzle or do you want your third question? I need a third question. Okay, J.L. My question for you is who had more receiving yards last year? Who had more receiving yards? Was it DK Metcalfe or was it Brandon Ayuk? No, Metcalfe. J.L., you are correct. Metcalfe is the right answer. If you get this letter right and you're going to bank this money and get an opportunity to solve, what letter would you like on the board? I would like an L, please. An L. There are two L's in this puzzle, J.L. Going to add a thousand and you've got five seconds to solve this puzzle. Starting my Thursday night players in the flex. That is absolutely correct. What are you doing, J.L.? You're starting your Thursday night players in the flex. Good job. Mr. Scamper's in the chat saying like a fool. Boom. Going to have flex position right there. And shout out, Mr. Scamper, so we're getting that one right a couple of minutes ago, but not too long, good. Nice job, Mr. Scamper's. J.L., you're going to bank that money, making it very close between you and Skyler. Coming way down. J.L., we never got the chance, J.L. What quarter of a comeback? I got it. I could see it in your face. J.L. is burning up inside. That made me want to solve it so much more. I have a tremendous poker face.  I can tell immediately that you want to do that. Skyler and I got it at the exact same time, and you could tell, because we were both just stone faced the whole time. That's how you could tell. Okay, guys, are you ready for your next puzzle? Hell no.  Let's load up this puzzle. These are going to be NFL teammates. So these are two players, first and last name on the same team. Joey, I know every time you like to bring up the one time I did former teammates. And who did I do as former teammates? I did Rex Burkhead and Brandon Cooke's, forgetting that they were also current teammates on the Houston Texans, but they were former teammates on the New England Patriots as well. These are NFL teammates. They are current NFL teammates. So can they be defensive players? No, these are only going to be like your running backs, wide receiver tight ends, quarterbacks is what this is going to be right here. Good question, Skyler. Jaylin, you're on a puzzle solving spree so far. That means Skyler gets to go first again on this one. Skyler, would you like a question or would you like to solve this one? I'll take a question. Okay, my question for you is who had more rushing yards last night? Who had more rushing yards in the game last night? Was it Josh Allen or was it Devin Singletary? It was Josh Allen. It was Josh Allen, 56 to 48. He was the leading rusher for the Buffalo Bills. Which letter would you like? We'll take an R. An R. Let me get this up here. There is one R in this puzzle going to have 500 year round bank. Would you like to buy a ballon? Go to another question or solve? I'll take another question. Okay, we're going to go do some receiving touchdowns. I'll get each of you guys some questions from last night, but there's only so many I can do because it's one game. Who had more receiving touchdowns last season? Who had more receiving touchdowns? Was it Mike Williams or was it Aaron Jones? Mike Williams. That is correct with nine to Aaron Jones. Six, which letter would you like? We will take an M. An M. There's one M in this puzzle. Can add another 500 to your score, Skyler. This is your last opportunity to buy vowels this round or you can just go straight into another question. I will buy an A. An A. There's one A in this puzzle right at the beginning of one of those names. I'm going to subtract 100. Would you like to buy another vowel? Take another question or solve? I will buy an E. An E. There are one, two, three, four, five E's in this puzzle. So it's going to subtract 500 from your score, which means you can't buy any more vowels now until you earn some more money. But would you like to solve or take another question? I will solve. Okay. Your tricky name. I'll go with Naeem Hines and Alec Pierce. It is Naeem Hines and Alec Pierce. Skyler didn't give anybody a chance on that one. Nice job, Skyler. That was awesome. I had Naeem Hines. I wrote down an E on that. I could not get it to fit. Like my first guess was with the R was Marvin Jones. And there weren't any letters on the board. I was like, I can't think of a jag that fits. One second, guys. Sorry, I accidentally closed out of that. We're going to get it pulled back up. But while we're waiting, Skyler, do you have any hope that Alec Pierce is going to be fantasy relevant this year? It sounded like the news out of camp was positive. And after Michael Pittman there, it seems like it's a little bit open for that wider sewer two roll in Indianapolis. Yeah.  We had an early third round grade in your rookie drafts. And there wasn't a whole lot that jumped off the page for you. But every report and camp is completely positive. And Paris Campbell is one of two players in the NFL that I say you absolutely can criticize them for their injury history. That's him and Rashad Penney. They're the only two. I don't predict injuries, but with those two, they got to show it to me first. So I think he absolutely has a role that he can step into. He can take over. And he's looked good. And you offer something that the team absolutely needs. So hopefully out Pierce can step in and give us something sooner rather than later. Absolutely. I'm liking the reports coming out of camp. I'm with you. I started taking some late shots towards the end of the offseason, like my most recent drafts. Yeah, like ground 18 best ball, 17 best boys. He was there every time at the end of the year. So you can grab them there. It's ambiguous who that wide receiver two is going to be. So those are the perfect situations to target. Let's move on to our next puzzle. We got time for at least one more, unless it's unless it's like that first one. But this is a coach movie mashup. Shout out to our friend Dustin for sending this one in. He came up with this puzzle. Dustin, Dustin's come up with a couple of our puzzles. This is the only one in today's game that he came up with. But we are going to go ahead and get started. So this is an NFL coach and a movie mashed together. Some previous examples of ones we've done is like, where's my Derek Carr for a TV show? We've done Tim Patrick and Morty. So it's just shoving a name into a movie title. Skyler, you solved that one first, which means Joey, we are starting with you. Would you like to solve this puzzle or do you want a question? I know I can't. Would that be great though, if I could solve it?  See, here's my thing. You have not have said, dude, where's my car? And the bottom almost lined up to where's my car, but it doesn't. So what if I do have been the sequel? Dude, where's my car? They just have new you every time. Who had more receiving touchdowns last year? Who had more receiving touchdowns last year? Was it Cameron Brait or was it Randall Cobb? Thank you for the easy question, Simon. Cameron Brait. I'm sorry. It was Randall Cobb, Joey. That was a really rude question. You're talking like three versus four. That was just a wildly rude question. It was five versus four. I scrolled very far and apparently there was a lot of guys that scored five touchdowns last year is what ended up being that way. I'm sorry, Joey. JL, I'm ready for your question. Or would you like to solve? Is it going to be like Joey's question? Maybe we'll find out. I'm ready. I don't even know. JL, who had more receiving touchdowns last year? Who had more receiving touchdowns? Was it Brandon Cooks or was it Ty Hilton? Cooks. It was Cooks. Six to three. I thought maybe I'd get you with the bait on that one. He almost did. You almost did. I was trying to play you. Which letter would you like, JL? I will take coach slash movie matchup. I'll take an N, please. An N. Well, there's one N in this puzzle, JL. I'm going to have 500. Would you like to buy a Vamu? Or would you like another question? I'll take another question. Another question. Okay, JL. Who had more passing yards last season? Who had more passing yards last season? Was it Dak Prescott or was it Jimmy Garoppolo? Prescott. Prescott's absolutely correct, JL. Which letter would you like? R, please. An R. There are two Rs in this puzzle. We're going to add a thousand. Is your last opportunity to buy vowels this round? Going into question three. I think I'm just going to take another question. You're just going to take another question. Okay, JL. My question for you is who had more PPR fantasy points yesterday? Who had more PPR fantasy points? Was it Cam Acres or was it James Cook? Okay, it had to be Cam Acres because he didn't fumble. He had three attempts for zero yards. James Cook fumbled immediately. So he probably has minus two and he never got another carry. So I'll go Cam Acres. I thought maybe I would get you. Maybe you would forget James Cook didn't get those yardage points. But you are correct, JL. Cam Acres is the right answer. What letter would you like? I didn't remember how many yards he got before he fumbled. But I just think it was just on the line of scourge, wasn't it? It's pretty close, yeah. Damn. I thought that was the trick. Anyway, I'll take the... I'll take a T. No, yeah, I'll take T. T? There's one T in this puzzle, JL. I'm going to add 500 and you have five seconds to solve this puzzle. I can't. Okay, we're going to move on. I did see Coop in the chat saying buy a vowel for Joey, JL.  Zero zero. No money down there. Zero zero. This is new territory for Joey. Usually he comes out and just kills these games, I feel. It's all right. Skyler, would you like to solve this puzzler? Would you like a question? Question. I'm halfway to the answer. I got it. Got it, got it, got it, got it, got it. Skyler, that's some pressure right there because Joey thinks he's got it. But no, I want Joey to win, right? Yeah, I guess either you or JL. So it's a win-win for you right here. Or you or Joey would be best for you. Who had more targets last season? Who had more targets last season? Was it Travis Kelsey or was it Christian Kirk? More yards. Targets. More targets. Oh, this is so gross. Both between like 100, 130. Trying to remember exactly where Kirk landed. It is Christian Kirk. Yeah, well, I got it wrong. You can get, what's your final answer? I'll go with Kirk. We'll stick to it. I'm sorry, your hesitation was correct. It is Travis Kelsey, 134 to 103 for Christian Kirk. Joey, I'm guessing you want to solve this puzzle. And I brought a prop. Joe. The solution is Robert Sala Land. It is Robert Sala Land. Nice job, Joey. You solved that one and you're going to get a thousand dollars into your bank putting you on the board. It is no longer a skunk. Take that, poop. Dame got this one around the same time as you said. I got it, Joey. Dame was in the chat, nailed that nice job. Nice job. And now we are going to move on to our next puzzle puzzle.   I'm sorry. Robert Sala Land. I promise this horrible team name has more letters in it. I counted while we were waiting. This one is not like the last horrible team name we did. There's plenty of letters to guess in this one. Joey, you solved that one, which means, Jay, you are going to get to go first here. I'm likely our last puzzle unless this one solved quickly. Which letter would you like? Or that's not how this goes. I will take a D. Give me a question. Also, Mr. Scamper said, Joey only said one law. I'm sorry. You get no points. We're going to let it slide this time, Joey. You're going to get a thousand dollars. I brought a prop out. I brought a prop out. Tim, that's a great one. That is a good one. Is that what Dustin sent you? Yeah, that one was Dustin's. Damn it. That was a good question. I would like a question. Yes. Who had more targets last season, Jayle? Who had more targets last season? Was it Austin Echler or was it Jacobi Myers? Echler. I'm sorry. It was Jacobi Myers with 126 to Austin Echler's 94. Skyler, we're back to you. Would you like a question or would you like to solve this puzzle? I'll take a question. Okay. My question for you is who had more rushing attempts last season? Who had more rushing attempts last season? Was it Antonio Gibson or was it James Connor? James Connor. I'm sorry. It was Gibson. Gibson had 258. He had over 300 total touches last season, which is absolutely insane. They fed him for a while. They fed him in that offense. Joey, would you like a question? Or would you like to solve this puzzle? I'm scared. Skyler said he might have it and there's nothing up there. I'm going to take a question. I'm going to let the chat know. They think they got it, but they don't. So keep on guessing. You did come up with another horrible team name that fits though. So that's impressive. Joey, here is your question. Who had more rushing attempts last season? Who had more rushing attempts last season? Was it Deandre Swift or was it Damien Harris? Damien Harris. That is absolutely correct. Which letter would you like, Joey? N. N. N. There's one N in this puzzle. Going to add five. Right in the middle. Smack dab in the center. Buy an A. An A. I don't think I'm going to be able to win anyway. There's one A in this puzzle, Joey. You can't buy any more vowels. Would you like a question? Question. Yeah. Okay. My question for you, Joey, is who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Alan Lazard or was it AJ Brown? AJ Brown. AJ Brown's correct by about 40 points, Joey. Which letter would you like? D. There's one D in this puzzle. Going to add 500. You can buy a vowel here, but your last chance on this turn. Yeah. I'm just going to, I want a question. I want to try to pocket some money. Okay. Who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it James Robinson or was it Christian McCaffer? James Robinson. That's correct. I thought I could trick you. Christian McCaffer was great when he played, but didn't play all year. He missed the games. Which letter would you like, Joey? T. There are three A's in this puzzle. Going to add 1500, and you will bank this money, but you get five seconds to try to solve this puzzle. Also, Damon, the chat said, Simon, change the puzzle real quick to the other one that they guessed in the chat. Joey, we are going to move on to J. Okay, move on. Jail, would you like a question or do you want to solve? I need a question. Okay. Here's your question. Who scored more PPR fantasy points last season? Who scored more PPR fantasy points last season? Was it Daryl Williams or was it Sonya Michelle? Oh, my God. Sonya Michelle? Sorry, it was Daryl Williams with a hundred ninety-six points. Daryl Williams. He was 18 in PPR last year. Crazy. I think 18. He was high up there, yeah. He was a lot higher than you remember, unless you're looking right at those stats. Skyler, we're on to you. Would you like a question or you still got this call? We'll take a question. Okay, my question for you is, who had more PPR fantasy points last season? Who had more PPR fantasy points last season? Was it Nick Chubb or was it Devonta Freeman? Chubb. Chubb is absolutely correct. Which letter would you like? We'll take an S. An S. There is one S in this puzzle going to add 500. Would you like to buy a vowel? Would you like another question or would you like to solve? Also, Joey, I believe you banked this money. I did. Yeah. Can I buy a vowel? You can. Can I buy an E? Yes, you may. There are two E's in this puzzle. Can I subtract 200? Would you like to solve or would you like another question? We're going to solve ketchup and mustard. No. It is ketchup and mustard. Skyler. Nice job. I got time for one more. That one. Time for one more. Come on.  This was the last puzzle.  What did you say? I can give you a puzzle. You can just give him a puzzle. Yeah. Real quick, Joey. What's the puzzle? I didn't know you're actually going to ask me. That's okay. Skyler, with that you have iced the game. Guaranteed your victory. Well done, Skyler. Without even putting the Gabriel Davis jersey on, you pulled it out. It was there, so happened sometimes. I'm still very disappointed on the Kelsey Kirk. I big overthought it. I got nervous. I'm how he was going. I'm like, we're this close. I know the answer. Just get it right. Just get it right. He's going to be laying in bed and I like, of course. I was like, I know Kelsey had one. I know Kelsey had 130. I was like, groups of that name is so cringy. I have goosebumps. That is really bad. That is really bad. That's an uncle's name on fancy football name for sure. Catch up in Mostert. Yeah.  Like they named it that. They named it that three weeks ago before the draft took place and they're not changing it. They've probably all done it. Damn Chase Edmonds, but not Mostert. Not Mostert right there. I still name my team's Ari and Foster care. That doesn't matter. No, you can name them whatever you want right there. Dave and you're saying, I knew Skyler would win. Maria with the well done. Dave's a nice dub Skyler. Mr. Scammers with the Skyler with the win and a coop with an abbreviation. I don't know. Skyler is a star. Waffle house for house. Is that what that means? Waffle house. We have fun here, Simon. We have fun here. Oops. I should know that one as well. I like that you went to a waffle house with the W. Waffle house. I see W or WH and I immediately think waffle house and Dave's a cringe is part of my identity. I love it. Yeah, this is like embracing the cringe, just running with it. Skyler, I wanted to thank you so much for coming on and playing this game with us today and congrats on the W. Thank you guys for having me. It's so much fun. It's when you're playing, it's so much more stressful. For whatever reason, your heart's going. Everybody's looking at you. Are you imagining everybody's looking at you? Yeah, it's the best channel out there. Thank you guys for having me. I appreciate it, Skyler. And those questions, it can take a question you know and instead of thinking like, was the right answer, you think, what does Simon want me to say here? Like, what's the trick? Which way is he tricking me? And then it just gets in your head. It gets harder, but it didn't matter. You pulled out the victory and it wasn't even close. Waffle house, full waffle house.  Why have we never thought of this? It's such a good idea. Guys, that is going to be it for us today. A reminder, next week, we will be live on Thursday from five to six PM instead of Friday from six to seven. And that is a permanent change throughout the season. So make sure you're tuning in for the front yard fantasy hour Thursdays from five to six. And we will be live on Sunday night this week, the week one fantasy football recap in between those four PM games and your Sunday night football game starting at seven PM. So make sure to tune in, hang out with myself, Jail, Joey and Jay while we break down that day's games from a fantasy perspective. We will see you guys on Sunday. Until then, no adios everyone. Bye bye. Bye everybody.


Thank you very much Willem for that and thank you Isabel for your kind words. It's it's been a pleasure serving in the working group and as the chair of the working group indeed and I just like to also extend my my thank you and Welcome to all the participants joining the the third round table of the working group on the Euro you rival So the Euro risk-free rate So in my speech, I'd like to cover kind of two things I think the first one is with respect to how far we are in the transition from EONIA to the Euro STR rate and The second which is at the next step, which is the recommendation of the URIBOR four-back measures based on the Euro STR Before I begin like Isabel, I would like to thank the public sector observers, whether it's the ECB, ESMA, FSMA and the European Commission for their continuous support And a big thank you to all 82 working group and subgroup members for their determination And their commitment to making this transition a success The working group mandate just to remind you is to identify and recommend risk-free rates that could serve as alternative to the current benchmarks That is used in the financial instruments and contracts in the Eurozone And to facilitate a smooth transition to the recommended new rates While the support of the public sector observers of the working group is key I think I'd like to remind and emphasize that it is the private sector Responsibility to deliver on the mandate by complying with the EU benchmarking regulation And respecting the EOSCO's principle for financial benchmark Now how far are we doing with the transition from EONIA to the Euro STR? I think on the 2nd of October 2019, the ECB started the daily publications of the recommended Euro-free rate The Euro STR On the same day, EMMI recalibrated EONIA to the Euro STR plus fixed spread of eight and a half basis points that some of you are And most of us are aware of And the announcement that this rate will only be published until the 3rd of January 2022 That sounds a long way away. But in fact, we're already at the end of 2020 And that gives us barely 12 months before ceasing the publishing of EONIA. So time is clearly of the essence The working group provided several helpful recommendations to ensure a smooth transition from EONIA to Euro STR For example, the working group Basically helped with the transition path from EONIA to the Euro STR The legal measures for the new and legacy contracts referring to EONIA The fallback measures for Euro STR risk management financial accounting measures as an example And some concrete recommendations on how to tackle the transition for cash and derivative products from an operational As well as a valuation standpoint So what we need to do as market participants is that the key dates should now be the 3rd of January 2022 And that is the focus And as Isabel highlighted in her speech So far the progress in adoption of the Euro STR has been rather slow The market we only have one year left to transition completely from EONIA to ESTA Therefore the working group would like to encourage and remind you all to take a close look at the recommendations and see what your institution can do to make this transition successful This will ensure market stability and this will also ensure that Euro STR will form a firm basis for the URI ball fallback measures as discussed This brings me to my second topic and the purpose of today's round table Which is about finding a fallback to the URI ball based on Euro STR The working group welcomed the authorization of EMMI to provide URI ball in July 2019 This will allow market participants to continue to use URI ball However, as Isabel mentioned the EU benchmark regulations require the introduction of robust fallbacks to the URI ball in contracts to avoid market disruption in the event that URI ball becomes unavailable Therefore after the working group finished the recommendation on EONIA to ESTA or Euro STR transition The working group has been focused on finding a suitable URI ball fallback measures based on Euro STR This resulted in two very comprehensive and complete public consultation papers with a launch on the 23rd of November These public consultations provided proposals on number one, the URI ball fallback trigger events And number two, the URI ball fallback measures for cash products The first consultation identifies a generic set of potential events That would trigger the activation of the URI ball fallbacks In the event the URI ball would permanently cease to exist The second consultation identifies the most appropriate URI ball fallback rates for each cash products This URI ball fallback rates will be based on number one And the Euro STR based term structure methodology And number two, a spread adjustment methodology to mitigate potential value transfer in case the fallbacks are triggered The second consultation will also propose market conventions to use for the calculation of compounded term rates based on the Euro STR Here it is important to measure that the working group has been liaising with International Swap and Derivatives Association, ESTA And similar initiative in other jurisdiction to ensure alignment to the extent possible In addition, the working group takes into account the recommendations provided by the Financial Stability Board as well The deadline for the response to both public consultation, as mentioned, is the 15th of January next year at 5 o'clock Central European time So to summarize, I have shared with you how far we are in the transition from EONIA to Euro STR And in recommending Euro fallback measures based on Euro STR Given the major eyeball transition Underway and the impact on all market participants The working group is working in a transparent way So on the ECB website, you will find the recommendation minutes and the presentations of every Working group meeting that has taken place The working group is also committed to consulting with market participants on important decisions, as we are doing, for example, today Under URIBLE fallback measures So I'm grateful that you're all here today And for you, your interest in this major European reform URIBLE is widely using contracts ranging from derivatives up into very common products like mortgages, by professional market players, up to consumers Therefore, I hope that the input that you will obtain today Encourage you to respond to the public consultations paper because The widespread use of URIBLE, it is of great importance that your voice be heard Thank you very much and over to you, Willem


Team Keep It Clean, this is a message to all Ravens fans. I mean, really just football fans in general, but certainly to Ravens fans because that's what we see and interact with really on probably a daily basis. We are in draft season. The draft is only a couple days away.  And even before them, even before it was draft season, different fans have differing opinions on the way that their favorite football team should operate, what they should do, what they shouldn't do, what they should keep doing, what they should stop doing, what they should change up, what they should stay the same.  And whoever your favorite football team is, it doesn't just have to be the Ravens. And that's fine, that's fine. But you have differing opinions, obviously from different people.  B says, no, no, no, they should do it like this. Then you got person C, no, no, no, no. Both of those two are wrong. They should actually do it like this. And there's nothing wrong with disagreeing. We talk about it on here like every day, man. There's nothing wrong with disagreeing at all. There's nothing wrong with you feeling your way about how your team should do it. The other person feeling their way about how their team should do it. But I really hope this message like reaches the right person or just people in general to where you don't have to disrespect people just because you don't feel the same way about your favorite football team or favorite football player, favorite, whatever. If you don't feel the same way that they do, it's not a cause for disrespect. It's not. In my opinion, I feel like that's when conversations, they can go left when people just, people are going back and forth, back and forth, back and forth and nothing wrong with that. Y'all debating or y'all just having a conversation. Y'all don't even gotta be debating. Y'all just having a conversation. One person sharing their opinion on it. Oh, no, well, this is why I think, okay, no, well, actually to counter that, this is why I think, okay, that's fine. You're going back and forth and it doesn't have to get nasty. But for some people, they feel like if the person that they're talking to doesn't change their opinion and doesn't change their opinion to make it the same as theirs, then all right, well, I gotta disrespect that person now. All right, I gotta talk nasty to that person now. All right, I gotta get disrespectful now. And it's like, for what? For what? If somebody has a different opinion on you, on something, that's okay. Leave it at that. You say your piece for however you feel, let them say theirs. And if you, hey, if y'all don't like each other's opinion, okay, agree to disagree. It's fine. And Walker, leave it at that. But I just, I hate seeing when people just gotta get like nasty with each other. I hate when seeing when people just gotta get just disrespectful with each other.  And it's just like whether it's sub, tweeting or sneak dissing or whatever. It's like, for what? Why? What's the point? You ain't gotta do all that. That accomplishes nothing. It accomplishes nothing. I just don't get it. And that's why I say I hope this message reaches the right people. And I'm not calling anybody out, but I'm just hoping that people can just execute, giving their opinion just a lot better. Again, you can share however you feel about something, but let's try to do it in a more loving and more respectful way. Let's at least try. At least try. Not asking for any guarantees or anything like that because I know none of it is guaranteed. But anybody who sees this video, let's at least try. I try to do better on my part. You can try to do better on your part. We can all try to do better because it would just make interactions with people so much better. And people can really gain so much just from a conversation, not having a goal left. Because I've learned so much from all of y'all, whether it be questions from subs, whether it be on Twitter, whether it be a DM, whether it be a Facebook message, whether it be Instagram, whether it be whatever. And there will be times. It has happened so many times. I feel one way, somebody shares with me why they feel the opposite of that or a different way. And I'm like, well, no, I feel, the reason I feel like this way is because X, Y, Z. And they are actually like, well, the reason that I feel that way is because A, B, and C. And then I'm like, oh, wow. I was only thinking about X, Y, and Z. I didn't even think about A, B, and C. Wow. Sometimes it changes my thinking. Sometimes it doesn't. But I always appreciate different people's point of view and different people's perspectives when it comes to different matters, whether it be about the Ravens, whether it be about really whatever. So I would just hope that everybody can at least, at least try to do something similar to that. Cause you're not gonna agree. You're not going, it's not going to happen. You're not going to agree with everybody, but at least try to have respect for the next person. Talk to them as a human being. You ain't got to talk down on nobody. You ain't got to do all that. Then another thing too, you don't have to gatekeep. Nobody has to gatekeep. No matter what side of the fence you on, you don't have to gatekeep. Let people, let people fan how they want to fan. Let people root for whoever they want to root for the team, player, strategy, front office, whatever. Let them do it how they want to do it. You do it how you want to do it.  What does that accomplish? Seriously, what does that accomplish for you, for them, for anybody?  They not a real fan. They a fake fan because of X, Y, and Z. Tell me what that gets done. What do you remove them out of your encyclopedia of fans? You scratch their name out? What does that do?   What does that accomplish? It accomplishes nothing, nothing. People could, they could root for whatever team they wanna root for, however they wanna root for them. If they are somebody that's objective, that's critical, that's fine. If they are somebody that supports everything that whatever they said team does, that's fine. I feel like too many people are worried about the next person too much when it has nothing to do with them. It has absolutely nothing to do with them. It does not change your nine to five. It does not change your family. It doesn't change your life. Nothing about the way that that person roots for their team has anything to do with you. It should not have any impact on your life. It should not change anything. Nothing at all. And I just don't get how so many people get so caught up in trying to hold up the championship title belt for being the best fan in the world. You don't have to. It doesn't do it. You do how you want to and let other people do how they want to. Being critical of how somebody is a fan, it don't do nothing. It don't do nothing.  It's not gonna get you a top comment award, a special fan badge on Facebook or anything like it.  So you don't have to do that. You really don't. And it's just like, because again, it doesn't add anything of significance of value to anything. Not to any conversations, not to any interactions. It doesn't add anything to anything. But negativity, that's it. That's it. So all the policing, oh man, you're not a real fan if you do that.  Oh man, how long you been watching this team for? Oh, you must be new here. Oh, you a bandwagon?  It's like, what, what is that doing? And that's one of the things that, I get so tired of seeing that. Oh man, you must not have been watching this team for very long if you think like that. Come on now, man. Oh, you must be new here if you're thinking like that. Just like, just people can think what they wanna think. It is okay. I don't understand why people get so offended that people think differently that it is okay. It is okay. It is no reason to ever get personal with people. It's no reason to ever get disrespectful with people. Never, never, never, never. Because you can share the way that you feel. I've even shared plenty of times why I feel like there's a lot of Ravens fans that think the way that they do is, especially when it comes to defense.  They wanna do everything for defense, but nothing for offense.  No man, we ain't on that. We not on that. But whenever I talk about that, I explain how Ravens fans, the way that the Ravens operate and have operated for forever has led a lot of Ravens fans to think the way that they think. And I told y'all too, like it impacted me too. It impacted my thinking like the way that, like I told y'all when I'm playing Madden, like, ooh boy, y'all, I am, I'm worse. I'm so bad at Madden. It's the exact opposite of what I want Ravens to do in real life. Cause in Madden I draft the receiver in the first round. I draft these receivers, these playmakers are on the first round. But then when it's time to pay them, I say, ooh, then I end up trading them cause I don't feel like paying nobody.  But anyway, I'll be clearing cap penalties and cheating and all that. But anyway, it's okay. I just, the point of this video, I just really want people to share however they feel. I want them to at least try. I wish people would just express themselves with more respect. On here, on the channel, like about 99% of people do that. 99% like there's a 1% where it's like, it's a defective 1% of Team Keep It Clean. But they, I guess there's people that's new that not used to the channel or whatever. So some people can take a little left. But 99% with Team Keep It Clean share respectfully. 99% and 1% got to watch out for them. But I don't know, man. I just really want to just try. People to try. I really do. I wish that they really would because if people just tried that, if they just tried, it would make such a big, I guarantee you. If anybody watching this, any of your interactions with people, whether it's about football or whatever, if you just try to do it with love or do it with respect, if you just try, I guarantee you, it'll make everything so much better. For me, I said in the previous video, I have to do a better job of just not even engaging with people who I can tell have this sort of negative mindset. Not a disagreeing mindset, but a negative mindset. I've seen people, especially over this past couple of weeks where people will display sort of this pattern of a negative attitude, sort of a condescending attitude towards me. And then initially, I let it slide. I won't really say much. I'll say something, but I won't really say much. I won't really get into it too much. But then if they keep doing it, then I'm like, all right, nope, not doing it. Blocked. Blocked. Because I'm not going to subject myself to that. I don't have to take that. I don't have to take that? Like, for what? And I just, it's not good for anybody. Because, and I've seen it a lot of times too, not just with me, I've seen it with other people too. People will be nasty to a person. They'll be disrespectful to a person.   Then when that person blocks them or that person just removes them, they'll be like, hey, what happened? What did you do that for? What was that about? Then they try to play victim. No, that shouldn't fly with anybody. So, again, like I said, I gotta do a better job of it, of just not even engaging with that and just removing it. Getting rid of it, getting it out, nope, don't want to see it, don't hear it, don't want to deal with it, and don't have to deal with it. So, for y'all, don't feel bad. Again, one of the best things about social media, block the block, but that is one of the best things, social media. Block and move on, block and move on.  Hey, hey, okay, let me mess with you. Block and move on. People know what they're doing. People are very smart, block and move on, and don't feel bad. Never feel bad for blocking and moving on, do not ever feel bad for maintaining your peace, do not feel bad for just keeping your vibe positive, man.  Don't ever feel bad for that. Oh, you better not. Don't, because you don't need to. You don't need to, because it's not worth it. Why would you put up with somebody who's super negative towards you or super nasty towards you? What would you put up with that for? That would make you crazy.  I'll see some people come through on the channel. I use myself as an example. Some people come through on this channel.   Oh, man, you're terrible.    Oh, man, what you're saying, it doesn't make any sense.  Oh, man. And it's like, if that's the way that you feel, why do you keep coming back? Think about that. If that's the way that somebody feels about you, if somebody feels like you're stupid, you're dumb, what you say doesn't make any sense, you're whatever, why would they keep being around you? Why would they keep being, just staying with you? That is very toxic. And that's like punishing yourself. It doesn't make any sense. If there's something that, like, if it's like, if I'm watching the show, if I'm watching the show, man, this show is so stupid. This show is dumb. It doesn't make any sense. I don't like it. And the only time I talk about the show, I'm complaining. Why would I keep watching that show? I'm not gonna watch it anymore. I'm not gonna set YouTube TV to record it anymore. I'm not gonna watch it on Netflix. I'm not gonna watch the show anymore because I don't like it. I'm not gonna sit up there.  You know what? Let me watch it just so I can complain. You see how much sense that makes? Zero. Actually, negative three, because it makes less than zero sense. So I just don't understand why people, if they, if you don't like something, leave it alone. Don't deal with it. Don't mess with it. And that's on both ends. If you don't like the way that somebody is speaking to you, the way they interact with you, block and move on. If you don't like, like in my example, if you don't like somebody's content, if you don't like their videos, if you don't like the whatever, don't watch. Save yourself. The negativity, save the other person, the negativity as well. Remove yourself from the situation because it's one thing. If it's constructive criticism, like, hey, I appreciate your videos. I think that they could be even better if you did something like this. So, oh man, this is just a little idea that I had. I think it would be really good if you did something like that. Okay, cool.  Oh man. Oh, your videos, they wait too long. Oh, they eat them. I always say everything's not for everybody. I will never, I promise you, I will never be offended. If you don't like my videos and you unsubscribe and you stop watching, I won't be offended from anybody that does that because I don't want you to be watching something that you don't like. Why would you subject yourself to that? Don't do that. I'm incurred if you don't like the, and it's not just for me, it's for anybody that you watch whether video, TV shows, whatever. If you don't like it, don't watch it. If you're just gonna complain about it, don't watch it because that's just you driving yourself crazy. So anyway, this was just my hopes in just really trying to remove a lot of the negativity from, not just Raven's fans, but just people as a whole. It can be hard, I know. We all have bad days. We all have times when we get a little frustrated, sometimes more than others. That's part of life. But I just really hope that people just, we can at least try. We can at least try to do better. Team Keep It Clean, I love y'all. I appreciate y'all. Let's all just give it a shot. We out.