Rhywodraeth i'r bysgol yma, yn cyfnod ym mwyaf i'r ystafell mwyaf i'r teimlo'r 1-3-3-1-6 yna i'r Gaelic's MacDonald, ond y 10 yma yn aglesenol fy ngyflaenau yng Nghymru Cymru yng Nghymru yw yn 2005. Ymgylch yn cymryd i ti'r bysgol i'r bysgol i'r bysgol i'r bysgol i'r bysgol i'r gaelic's cyfnodau ar y Gymrydauol, mae'n gweithio i'r bysgol i'r bysgol i'r As previously intimated by the Presiding Officer, headsets have been placed on desks and the service can be found on audio channel 2, member channel 2. Would those members who wish to speak in the debate please press the request to speak buttons now or as soon as possible, and Mr MacDonald, if you are ready, if you would like to open the debate at seven minutes or thereby please.  Ha, yn gysbeth, sy'n cydrymach, ersgasgwm ffem sy'n gynnydd chi'n tych, mae'r farlwmwych ac mae'r rheolthus, gebryd jei ar partiau'n politigwch, gwm begalig gebryd yn agus gychleu cych ond analaba ac ysgu fel sy'n anjalef y cych o'r ryschec sy'n gyngalig. Gwm i ortychanach ffemi yn tyndau er asgen fiorla, sy'n myl leisgwll gwr eitau ni a hwnnw'n ysgyrnyfag, fyw hws agus haes isgyntach na gael galig co mae'ch cofys ysgyrnyfag. As I've just said, hopefully this debate is important because we have to ensure as a parliament and a government of whatever political colour that galig continues to be spoken and used in Scotland and that we create a sustainable future for the galig language. We're here this evening to highlight the good work on going to stem the decline in our indigenous and precious language and to celebrate 10 years since the Gallic Language Bill secured royal assent. Not only did the act establish Board and the Gallic as the public body responsible for the preservation of Gallic but affirmed Gallic as an official language of Scotland enjoying equal respect to that of English. Sadly that equal respect isn't always evident but I have been impressed by action taken by a number of public bodies and the efforts that have taken to promote Gallic, a language that's dear to all or at least most of our hearts. Now of course I've been a strong supporter of Gallic all my life with both my grandfather speaking Gallic and being taught it as early as primary one in Sandwick Hill primary school just outside Stornoway. Sadly it hasn't had the desired effect and to my shame as a Liosach I'm not fluent in the language of my ancestors although I do hope to sort that at some point in the hopefully not too distant future although I have to admit I have been promising that for a while. I've been supportive of the language all my political life to and successfully managed to attract the Royal National Mod to Falkirk in 2008. As the convener of the local organising committee I had hoped to leave a lasting legacy for Gallic in Falkirk district and I'm glad to say that Falkirk Gallic Forum has carried that work and vision forward. In Falkirk for example the Scottish Government provides a specific grant for Gallic and it is an offer from the Scottish Government to discuss the potential of capital for any project support they may identify. Falkirk Council has actively embraced the Gallic language in the primary schools GLPS programme. 25 per cent of Falkirk Council primary schools deliver GLPS and a total of 26 members of staff will have been trained to deliver the GLPS programme by the end of March 2016. While there is no Gallic medium education school in Falkirk district, the council supports all applications and provides free transport allowing pupils to attend GME outwith the authority, usually to neighbouring GME schools in Stirling and North Lanarkshire. Falkirk's Gallic language plan is monitored by the Falkirk Council officers group and Falkirk community group with input from phase 4, class and common, Falkirk junior Gallic choir and Falkirk Gallic forum. The group's track record track the progress of the plan and suggest the action that is required to further develop the language. Falkirk Council is one of 40 public authorities that have had Gallic plans agreed by board in the Gallic and while Falkirk's Gallic language plan has sadly already missed some of its targets and hopefully it will catch up with a bit of encouragement from the forum. I am pleased to say that, in the past week or so, a Gallic development officer has been appointed in a joint project between Falkirk Council and Falkirk Gallic forum, which will allow further language and cultural development of Gallic to be delivered throughout nurseries and schools, deliver staff training, carry out a feasibility study for GME and create a greater profile of Gallic within the Falkirk area. It is an extremely heartening development. There is plenty good work going on locally in my area and Falkirk district. Nationally, we are well over halfway through the national Gallic language plan 2012-2017, which places strong focus on the role that Gallic media education has to play in future years to increase the number of young Gallic speakers in Scotland to ensure the language has a sustainable and vibrant future. Of course, the use of Gallic in the home and community is a strong element of that. The 2011 census figures provided positive news with regard to Gallic in Scotland. The statistics showed an overall trend where the number of Gallic speakers had more or less stabilised in comparison with figures for the 2001 census. As the stats show, there are currently 57,000 Gallic speakers in Scotland with an excess of 90,000 with some ability of the language. The results also showed that there had been a small increase in the number of people under 20 who could speak Gallic with over 14,000 children between the age of 5 and 18 learning the language at different levels across Scotland each week. One aspect of Gallic that is not broadcast enough are the economic and social benefits. A recent joint agency research project published last year looked at the ways in which Gallic has currently been used to deliver economic and social benefits to businesses, social enterprises and communities, and how its impact can be maximised. Entitled by our storished Gallic resource, the report demonstrated how the language is currently being used to add value to a wide variety of circumstances and highlights its considerable potential to bring further benefits to businesses, communities and individuals. Almost 70 per cent of businesses consulted said that Gallic is an asset to their activities. More than half of businesses, 60 per cent and 85 per cent of community organisations who responded to the survey stated that Gallic features as a key element of their work. From this result, it calculated that the potential economic value of Gallic as an asset to the wider Scottish economy could be up to £148.5 million a year. The findings of the research demonstrate emphatically that investment from the Scottish Government to Gallic translates into significant economic contribution, not just in the Highlands and Islands but also in the central belt of Scotland. It is worth noting that, when the mod was in Falkirk in 2008, it attracted £1.5 million to local economy just when the economy was struggling with the economic downturn and figures for last year's mod showed that it took in over £3 million to local economy in Burness. Previous studies have shown that, relative to its size, the Gallic community punches well above its weight in its contribution in a range of sectors. Loyalty to language and culture is a powerful, motivating force and it is encouraging to see the growing support for Gallic at grassroots and institutional levels and the economic as well as social cultural and linguistic benefits that accrue from the concerted action that we are seeing developed. With those figures, there is hope for our precious Indigenous language, but only if we all work to ensure its survival and growth. I am committed to playing my part. I hope that everyone else is too. I now call on Michael Russell to be followed by Lewis MacDonald. Four minutes are thereby, please. I would like to thank you for your time and for your hard work. I would like to thank the Gallic community for the support that they have given us in the past. I would like to thank you for the support that they have given us in the past and for the support that they have given us in the past. I hope that everyone else is too. I will be happy to thank you for your time and for your support in the past. I now call on Michael Russell to be followed by Lewis MacDonald. I congratulate Angus MacDonald on securing this debate. I warmly welcome the chance to contribute and celebrate the 10th anniversary of the Gallic Language Act. The Act was a good step forward, but we should not only look back, but we should also look ahead. Gallic is in a better condition today than it was before the act, but more must be done if we are to secure Gallic for future generations and assert with truth that this is a three-voice nation, as a poem by Ian Crichton Smith asserted at the opening of this Scottish Parliament. Of course, that is just three voices. English, Gallic and Scots may be uniquely ours and I include English, because TS Eliot once contended that the only place that English was spoken properly was Richmond, Virginia and Edinburgh, but there are now other voices to be heard in our land. Our first obligation is to the languages that belong to us. It will be our fault and nobody else's if Gallic does not survive, and it is possible to countenance such an outcome.  The present Scottish Government has halted the precipitate decline over the last century, but we are perilously close still to the cliff edge. It is the cliff edge of an increasingly elderly population from where Gallic is their first language, and the younger population which sometimes does not value what it has inherited. So, whilst we should be glad of and celebrate and support all the work that has gone on to get us to the stage, there is much more to do. We need to create a new generation of Gallic speakers, and our education system will not yet do that. We certainly need more Gallic medium schools, but we also need a substantial expansion in opportunities for adult learners, and we need to create some places and spaces where Gallic is not optional or desirable but essential. There have been ideas of how that might be done over the years, but those proposals now need urgent attention and action. I know that the minister is more than sympathetic to that cause. He is an example to us all—a Gallic learner who is fluent, a Scott speaker who wrote his thesis in the language. He is truly three-veiced, but he also knows that he is the exception. If we are to grow languages as the Government to its credit is trying to do, we will need resources and commitment for the long term and for those the rest of us who are not exceptions. We also need to move on in legislative terms. My own Gallic language act in 2002, the first Gallic language act, was introduced out of desperation at the failure of the first Scottish Government to honour its promises. It was voted down by that coalition so that it could introduce its own legislation, which to its credit it did in the second term. That was always seen as a start, not a conclusion. We now need to consider a wider piece of language legislation that encompasses the many voice nations that we have become, which also strengthens our commitment to our two indigenous languages and focuses our resources where they are needed most, to make Gallic survive. That is a challenge that we should all rise to, perhaps in the next session of the Parliament, because there is still much to be done. I now call on Lewis MacDonald to be followed by Mary Scanlon. The Gallic Language Scotland Act was brought forward by the Scottish Executive in which I served 10 years ago. The land, the language and the people of the Gailtacht have always mattered a great deal to my party, Scottish Labour, and for me that act is one of the things that we created this Parliament in order to bring about. The act affirmed Gallic as an official language of Scotland and created Barna Gallic to sustain that status for the future. The board has enjoyed cross-party support throughout the past 10 years, and I am confident that that will continue in the future. However, political goodwill on its own is not enough. For Gallic to contribute to our future, as well as our past, it will require people to speak it and children to learn it as a first language. It will require visible and audible commitments from public bodies across Scotland to its official status, and it will require Gallic to continue to be a language of music and the media of culture and creativity as well as of home and school. That is why Gallic language plans are so important, not just in the Highlands and Islands and the Central Belt but in the north-east of Scotland, too. Aberdeen City Council has been considering its Gallic language plan today following the adoption of similar plans by the University of Aberdeen, Aberdeenshire Council and the Cairngorms National Park. Although councillors, of course, have to be comfortable with the plan, Scotland's third city must not fall too far behind Glasgow and Edinburgh in providing leadership in delivering public policy on language and culture in our cities with cross-party support. Aberdeen is, after all, the city with the highest proportion of citizens born out with the islands altogether. As a multilingual, multicultural city, Aberdeen should be second to none in recognising and celebrating its own cultural diversity. A good deal has already gone on there in schools, as I know from my own family. My daughter Iona sat in her higher Gallic a few weeks ago, having been taught through the medium of Gallic at nursery and primary school since the age of two. She has spent most of her 17 years learning and speaking the Gallic language, and incidentally her skills in the English language are all the better as a result. Aberdeen, like other places, needs a step change in the scale of Gallic mediums activity in schools, in cultural activities and in language learning. That is why the city's Gallic language plan needs to be delivered sooner rather than later. It is also important that more is done to enable children and young people to study Gallic without losing access to other modern languages, not just in Aberdeen, but across the country. A bilingual education equips children brilliantly to add further languages as they progress through school, but in practice many pupils choosing to keep up their Gallic at secondary school then have little opportunity to learn other modern languages until they reach S6. I hope that the minister can say what more the Government will do to increase the uptake of all modern languages in view of the falls recorded in the last school year at the level of national ffives. A great deal has been achieved in the last decade since the act was passed, but there remains a great deal still to do. Like the other speakers, I look forward to a never higher profile for Gallic language and culture in Aberdeen and across Scotland in the future. More on time. I join in supporting the motion and its sentiment. I thank Angus MacDonald for securing this debate and giving us the opportunity to discuss Gallic. The collective efforts to ensure the preservation of Gallic appear to be bearing fruit, but, as we will all agree, there is still much more to do. Like others in the chamber, I remember the passing of the Gallic Act and what I remember mostly about it was John Farkerman Rowe and Alastair Morrison. I always felt for the two of them, I do not know if I am speaking out of turn, but English seemed to be a second language. They were very familiar with the Gallic brought up as native Gallic speakers. However, like Gallus MacDonald and Angus MacDonald, my mother was brought up with English as her second language, being brought up in Ranafast and Dunlowe in Donnygawl, an area familiar to Willie Coffey. I am the first in my mother's side of the family to speak English as our first language. However, they never called it the Gallic, they did not call it the Gallic, it was indeed Irish, so they spoke or they still speak Irish or English. I welcomed the considerable improvements towards reversing the decline of the Gallic language, along with the economic benefits of the culture that Angus MacDonald said in his opening statement, but which was also found by Highlands and Islands Enterprise. It is worth putting on record that it is also a Bordna Gallic's 10th anniversary as the body responsible for the promotion of the Gallic culture and language. Gallic is an integral part of the history and traditions of the Highlands and Islands, but also across Scotland, the Scottish social attitudes study found in 2012 that 76 per cent of those surveyed viewed Gallic as important to our heritage and culture, and 81 per cent wished there to be at least as many Gallic speakers as there is now in 50 years' time. However, only 45 per cent expected this to be the case, so the improvements in Gallic education and promotion must continue to help to confound this fairly pessimistic prediction. The Conservatives, I think that we can all claim success, Labour Lib Dems, the SNP, but the Conservatives also contributed to the Gallic culture and language for many years during the 90s, establishing the first Gallic medium unit in a school in Lewis in 86. In fact, the precursor to BBC ALBIC, Gallic Television, was established by the Scottish Secretary in 1990 and expanded further in 96 to include radio broadcasting, so I think that we can all take a bit of credit, but we can also say that there is still much more to do. However, one of the success stories in Scottish education over the past 30 years has been the expansion of Gallic education, with the number of children in Gallic medium education rising from 24, with the establishment of the Gallic medium unit at Bruce Clitch in the school in 1986, to more than 3,500 last year. Since the beginning of the national Gallic language plan, we have seen the number of pupils rise by nearly a quarter and the number of pupils in Gallic learner classes has been up by 12 per cent since 2001. I do not mean to be party political here, but I think that it has to be mentioned. The 2011 SNP manifesto stated the intention to examine how we can introduce an entitlement to Gallic medium education, and fair do's—that is exactly what it said. However, as a member of the education committee, it is worth noting that the upcoming education bill does not give an entitlement to Gallic education but a fairly lukewarm duty on education authorities to assess the need for Gallic medium primary education following a parental request and a further duty to actively promote and support Gallic medium education, so it falls well short of an entitlement. However, that said, I very much welcome the progress, I welcome the debate and I hope for another successful 10 years. I think that that is happy 10th birthday. I, too, congratulate Angus MacDonald on bringing this important debate to the chamber, and I'm sorry that I'm unable to speak in one of Scotland's other languages in this debate. Surely there can be little doubt of the value of the Gallic language given the number of economic, cultural and any number of other consultations that were carried out in recent decades. Perhaps culminating, we might have hoped, in the Gallic language Scotland act now 10 years ago. All that has been achieved has been across all of the political parties and none, and those lobbying for recognition and promotion of the language have done well in achieving that. It seems to me now that we don't need more Gallic language plans or consultations or more evidence or further justification for language development. We now need to promote the worth of the language as people are establishing here tonight and the opportunities that it provides. That could be opportunities, as Angus MacDonald has already highlighted in terms of the new Gallic economy, or opportunities in preschool and primary school education for both children and teachers. When learning a language in school, let's say French, children are never taught only about the country or never taught on a word-for-word basis, but instead learn about France, the country, its people, history, geography, food, industry, produce, culture. Presiding officer, so it is with Gallic. For many of the children attending primary schools in the Highlands and Islands, the region that I represent are from across the UK and the rest of Europe. They are putting roots down and learning so much more than just the language, and although their granny may be in Manchester or Shetland, they are through the indigenous language of the Giltach confidently establishing their roots in the local community. Presiding officer, it used to be in times past that parents talked in Gallic when they didn't want their children to know what they were talking about. That is reversed in many households across the Highlands and Islands today, where children talk in Gallic when they don't want their parents to know what they are talking about. I have to mention the lobby against the investment in Gallic, whether education or road signs, and I believe that it is incumbent on all members of this place to challenge that opposition and to make the positive case that has evolved since the introduction of the act. However, now that we are where we are, I also call on the Gallic speaking community to show its appreciation of and support for Scotland's other languages. The chamber recently was united in welcoming Scotland's culturally diverse communities, but I think that we have to show the same commitment in recognising how culturally diverse Scotland herself really is and to show, to highlight the worth of Scotland's language, of Lallans, of Doric, of so-called dialects, although I would argue that they are merely dialects. Anyone speaking in strong Doric or Shetland certainly appears to have a language of their own, and we must celebrate that. I have sympathy for Angus Macdonald's as yet still unfulfilled ambition to become fluent in the Gallic language, and I have promised myself on several occasions to do the same. Finally, I would like to, and Mary has already highlighted the difference between the Scottish National Party manifesto. I stood on the manifesto in 2011, which said that we would support the expansion of Gallic major education, and I quote, where reasonable demand exists, and the 2007 manifesto, which said that we will guarantee in law the right to Gallic major education. Now, there may be practical reasons for that change, but I would ask the minister and the Scottish Government to review that difference and to continue to show, as they have done, that Scotland must, needs and must recognise the worth of the Gallic language for all of these reasons. Thank you, Presiding Officer. Thank you, and I now call on Dave Thompson to be followed by John Finney. Bych o'r iach ycheg yr byw i achnig Gallic le proos, achle sŵl cwcioct yr maragach yn tŷu'u gniersdegu a horst er sŵech ycheg ni Gallic. Hwc yn acht gwun, bwnnw'ch ers yn speis co yng nghymru, a horst yn Gallic. Hwc i gwun, bod yn Gallic le dleisd yn ys plan yn asiant yn Gallic y ieisacheg. Yst iecheg, sleu er ers dŵr hwnnw. Hwc idd ac yw'r word eri er boeni yn poblych yn Gallic ac yw'r ynggrif. Heim y grŵt, ffymol irtacharch Rhylun. Hann cannes nes hŵldysiwch, hann a heil yn Gallic yn ŵr tŷu'ch le allan bach rŵ ychelau. Hann ar yf deunifig ych yw'n gallu'ch ni Gallic, er eri. Hwc acht ni Gallic, bwy er polisiyn yn rhealtysch. Her rhealtysch na heileba er teik y gŵml rŵ bbc aleba, gyda ha'r krŵl i'ch haast ffosmacht Parlymydsch Westminster. Hann i'ch roi'n lich ers yw'n ffol ym Gallic drŵach na Gallic. Hann ar yf sgolaryn yw'n ym ffol ym trŵn Gallic er eri, ac es ha'r teich gŵn rŵn rhealtysch o ers yw'n sgolci yn Gallic falle. Bwchor ar y fwy tochysoch mŵnawm rŵchach yn gythorog a chwntus lŵig mŵr i'ch. Ac es bychor ym elachyn rŵn achn y Gallic yn gyrstych y trofile yn ôl ym aleba. Mŵchol er yn janis yn ochr awn am frecharchyn dŵn chymwydi, ha'i ffol ych ych gŵfel cwdst i yw'r llech yn yr y Gallic dŵn fiech, na'ch el awn byl asio a ddol fatha gŵlio'r. Ha'r cwdst i'n farol gŵm ffem co'r lŵgl hylio'r a fiawn, er ffol ym trŵn Gallic, nŵr a ha'i irtus reisnta awn yr awn. Chwma'r ystiwr ych rŵch gŵm. Mae ha'r ffol ym dŵn Gallic gŵfŵi gynyrstych ac es gŵlio'r llech. Fy ych yw ar er ia'r gallu'n a chwch sy'n siachid ac es bychor gŵn a hŵll yw'r byl i'n y gallu'n sy'n a chyllunog. Ha'r mi'n ddochis gŵn eist cwmitau yn ôl i'n gŵr maŵch gŵn y biachgyn a ha'r nochgyg, ac es gŵm byw'n mynd i'n mynd i'r dŵn a'ch gŵr rei a'ch rŵch i'n sef fyl y a'i ie'n a'ch gŵn gŵn gŵn gŵf arddus yn farwntyn, er sy'n ffol ym Gallic yn colliŵ. Gŵn i'n siŵ yn tŵm ers ond Jesbeth mŵn sy'n a'ch gŵn awnt rŵch a ha'r lygi'n gŵn krŵach gŵn a'ch gŵt gŵn sŵch gŵn a'ch gallu'ch gŵch gŵn. Yr ychyawn haŵ, wer i gŵn byw'r corwm gŵn bŵu hach gŵl y hošt, er marahas un a colliŵn i'ch amysyn 8 negalig.  Morr yn taig. Ha'n myn i gŵr i taig a hošt gŵn angys mŵcaw ers ond opa'r cwtter ma'ch aica, Gw Harwch eryn i'r tisho, am i cwciwch y giri ta'r horsna borsna gaelic, ac ysgach opa erson gaelic y Lachyr. Haisiwch ymgwyll sy'n fwy o'r cro erson y canyn. Fyelentau sy'n gaelic ac am eu agiwnsachau'ch barach gathra. Hamonion fyelentau ac ysgach bimau dda giech yn aeca, cael brunion cwciwch, ac mae o'ch acym ar ysgog gaelic glasigw, ac ysgach bimau angen i'ch acym agiwnsachau ac ysgolarich awn yn ddwnetion. Hathor cerlych mae'r sio'r snallau'n angyw. Ys mae'r sio. Bwch chi'r gwn gwylau'r farachyn, dwyosach, mi'n awn ymryd chiacht. Nw'r fam i na bal y cormiau awn yn un o'r neis, a fawr yn bwmsgol gaelic awn sy'n sgir acym. Siw heit, ysgol y fawr er me twcle hunwch chi, ers ond a fam i'n ysgol gaelic. Awn gyw, ha'n bwmsgol gws na fi lwn, niacht glefa. A barach i'r sio, mae'n gwleidolwch chi'n gweld salmorostig. Ysgol sy'n sgir. Mae'r tarang tor yw'r unwch. Dwi'ch chi'n gwylau'n sgir. Mae'r fawr yn fawr yn fawr yn fawr yn fawr yn fawr yn fawr yn fawr yn fawr yn fawr. Mae'r rhaid i'r tyst a'r rag ha'n sgir i'ch digalic era' fi me ffer sefyrgyl, hoffsefyrgyl, gwel i'r twcle chi'n agos cwrt miliwnod. Ha'u chi'n de bliana eisiach agos haro cwrwm eik yn canyn y has, a'ch andu hyn yn cultured ac yn byw ysgol. Ysgol yn cio'r ala'u. Ysgol yn syniadwyr yn talantach ac yn anol i'r ffad antaol. Rwy'n gyd y fawr i'r aniela hwyl rwyth yma, ffemishyn barach ddopr, yn gynnaf i'r rwyth yn haryfyn, a hawn yn ardd y sgolin. Ych chi'n cael eu ffisggyn ysgol a'r ffisggyn ysgol, gwel tripleis llysyn awn yn sgol biorl y cwrtych, ffemishyn y gopr awn yn doi, sebultio, clachag, technolus, ac y gopr rwy'i halu ers ond a giannaf cyntych, gwel cormyn sgynial eich na clau'n achun. Ffemishyn y comig er as jech bliena, haes ffwrsta hi cyn gwel rwyth yn nas hyn, ac ha' tar i giannaf haest ers ond na cwrtych, a hawn ers ond lwct i'n sehwg a ha'n sgol ffeicol cwtych. Hwm ia'n gyr i rwtych yn cantyn new miliam canyn illa yn isch scots. Hwm ia ers ond fficlyn yn irit, wrth i hwrtas, ysgwrm a ha canyn gaelic a fficlyn ers ond angen scots cwtych. Hwch chers gwr yn neson yr, nawn hawn analupa, a chwych o'r hwm yw'r am y toras yn ar eich tri. Hwm ia'n gleidol i'ch peikyn gaelic y brunion a'wn sef falmydd ar eist. Ffemishyn y comig eras i normalise y brunion a'wn sef falmydd ar eist. Thank you very much. We now move the closing speech from the minister, Dr Alasdor Allan. Minister, you have seven minutes or thereby. A blwydd o fe gyrreoli, ha? Hwnnw hollwch chi'n goswch gyda'r parlwn eist yn halfu, ac o'r hollwch chi'n cynnwys o'r eich ysgwrs yn rhaid gwasanaeth a heddiw i hollwch cwtrimwch yn y gaelic y gaelic y gaelipu. Mell o ffyrnau o'ch gwyllwch yn mwy o'r ddalwch, yr ffyrnau ddesbyd o'r chymel, ac mae'n siwr ganio'ch cwtywch yn opydd ffyrfa o'r mwy o'r ddalwch ydw i'n ddyf yn synioclwch rwych o'r srwng y gaelic cwtywch. Hwnnw i'n ddyf i geisio'ch gydlwyd i gach bawl a ddyf i bryn yn gyw, yn sy'n jaspid, un sy'n ychio. Hwnnw i'n tolwch i gyfer taic o'r srwng y gaelic sy'n siwr o'r gach party.  Hwnnw i'ch gaelic o'r srwng i gyfer taic o'r gach party o'r srwng a'r gyfrifio'r hollwch gyfer taic o'r srwng ac i gaelic tradd Smokeyneb. Yn fynd, ond, mae hwnnw i'ch gaelic cyfrifio am gyflym gweld o'n ddylch gwmpuilydd. Yn fynd nid o'ch gaelic yn ben Children's Society of missions, mae hwnnw i'ch gaelic rae hynny i gael fwyh am eu bwysigol i gyda'r cal yn duwchysoch yw eich ffordd o bwysigol i'r ganddi'm i gael bwysigol i gyda'r cal yn duwchysoch yw ei dweud, am y cwyrd yn ei ffawr o'r gwbl, i'n ateb iawn i hoffa i'r llai fednag i'r gwneud. moran, oed angen i'ch cael nhw'n dwych ar hyn o'ch ysgol neu oed edrych yn f 레id. Mae angen i'ch cael nhw'n dwych ar hyn oed yn cael nhw, neu oed yn cael nhw'n addoedd i amser i'ch cael nhw'n cael nhw ag i'ch cael nhw'n dwych ar hyn oed oed oed angen i'ch cael nhw'n dwych ar hyn oed, mae'n cynog ar y gallu cael nhw'n gyflwy. gyda hyn yn mi'n hlwg chanyelu y yentyn na chyledau'n.  Chael gawd yn diwltwch mae'r iawn ymwneud i'r ddwlchus, ac mae'n cael cerdgyn i'r can yn eich gen i'r clwyntion. A chael gael i'r alw'r fydabel sy'n coig i ddweud cwtra moch yn y gael i'r srann ymwyth yw yw. Ond o'ch hwch, rych gais yn nebryr yn cwtra moch, mae'n speisio i'r unrhyw ymddych yn fiorlu, ac yn chan yli'r gwein sy'n diwyd i'r chynydd. Chael, yn y fyd yn eich gael i'r gael i'r can yn nasiwn i'r halwp, mae'n cael cwtra moch i'r eryfaniaid ar dwy, sy'n iawn y gael i'r cech.  Ych angen, dri'r un yn yng Nghyngu i'r can yn y chlynyr ur yn yn, fawr i'r angen yn y mewn, ac yn gosfa gen i'r orchodd beth i'n mynd i'n siol a mewn cyddiant, a plan eich yn gael i'r byw i'r cwtra moch o'r swych yn fyrf i'r byw i'r gael i'r rhwun. A swyddi'n eich eich plan eich yn siol, chaf ydych chi'n athu gwyngu holl chynydd i'r siol, ac eich bod yn ei ryw diger i'r ffrif yng nghymru i'r mynd i'r gael i'r gael i'r gael i'r byw i'n poblwch. Fas yng Nghymru, gan eich ein collud o'r plan eich yn oed i'r mynd i gael i'r byw i'r bobl wllffi, a'i ddweud i'r holl gyngor, yn ddwy ffas yn y ffrif i'r gael i'r gael i'r gael i'r fyrwch. O ffordd, mae eich hwn eich gael i'r ffrif i'r gael i'r ffrif o'r ffrif i'r gael i'r gael i'r fyrwch, i'r gael i'r ffrif i'r fyrwch. siwet, dychwymp yn unidol ar srann rhwng y chychwch ffrogramon. Ond yr ein o'n mwyllwm ha'n ar y fynd ysgol yr un a'r tosiach ychwch sy'n fwnsgol efo'r ffaith bod tri cyd-ceheddiwch i chi'n amddafill y siwet, gychog chi'n ceheddiwch i chi'n amddafill y siwet.  A ffwllwm ydw i'r ceheddiwch i chi'n amddafill y siwet, ysglech yn eich sy'n nhw chi'n haryf yn o'r srwnt sesfwch horsd yn y galig.  I'm just coming to that conclusion. I've taken intervention on that, Kirsty. I am a member of the education committee and I would very much welcome if the minister would take an opportunity to explain why an entitlement to Gaelic Education promised in the SNP manifesto chi'n eitio i y �lyliau arddangos ar gyfnodau iawn, ar gyfnodau iawn? Mae hyn oedd, ac mae'n gilydd argynnu ar gael eu gyrdiadau. Mae'n rhan o'n bwysig ac mae'n ddynnu arall yn deill yn y cyddaf y cymdeithasol y byddwch fel gallai cael ei gilydd i gilydd ar gael y gorydd ar gyfer atdur, ond dyma ni yw'n ddydyn nhw fod yn gwneud o hynny. history shot forward, that we now have a bill which establishes a process, establishes evidence and I would think, in many cases that will be quite uncontrovertable in many cases evidence about the demand that exists for Galloting, Media and Education within a community. However I am more than happy to meet the member and to talk about any idea that she has for improvements to the bill. Rwy'n dechrau, wrth gwrs, eich cyd-ddenganach. O'r rheol ni, ychynayaeth honno yn ddylech i chi i chi yw, mae hefyd yn blodd byddai a'r ddylech i chi eich cychwyn y brifath hwnnw. Rwy'n dechrau, rym ni'n cihwriterau i chi, a i chi gallu'r rhan o ran o ar gyfer y ffilm yn ddylech i chi. byw lwctigysg a gysgwrys yn chwmais y gawis o'r sriff i llys.  A rwy'n nhw'n ffau'n iach sy'n byw i'r haes o'n chygysg yn y ffwllwm gaelig. Corm yn y ffein i'r sio a i'n nhw, ac mae'r haes o'n ffeim i sy'n mysli yn treinu'ch ledd ychydig. Felly, rwy'n nhw'n dŵw i'r sio a haes o'n jalos ac yn cwmol o'r gwybrych o'r cwsti o'r barwch i'r gaelig. O'r hoi'n yw'r hyn o'r hyn o'r hyn o'r sriff i'r byw i'n ele, o'r taith i'r gyrs o'n gaelig. Rwy'n nhw'n dŵw i'n dŵw i'r ffwllwm gaelig o'r sgolciwn i'r swinio'ch yn anhystaisiwn yn rhaid i'r gynhyrchu'n fryd i'r ffilm gŵr. Rwy'n nhw'n dŵw i'n dŵw i'r sriff i'r sriff i'r gaelig.  Rwy'n nhw'n dechrau, mae'n gaelig rhag叩fyn arlinellol a'n dal pwysig distributed ar gaelig o'r bromhoedd yr gennym ni'n drinkinghau enrichdol wax, o'rsongwchitspadol oldrame. Rwy'n neud mewn i gaelig. I gaelig ond nid yn llog ymuno am treu ni i elves ar gaelig ni'n ceدwyd o'r cwstio aircraft yn an politiques. Many thanks and I thank you all for taking part in this important debate and I close this meeting of parliament.


Hi everyone, Joe for JaspiesCaseBreaks.com. Coming at you with some unique stuff here. 2023 Futera Unique World Football for soccer. Two box, random letter break number one. We're going by the first letter of their first name. So if you get randomized letter J and pull a Jack Grealish, letter J gets it. Most of the alphabet is represented but there's a Z plus all other letters spot right there. 23 spots total. Big thanks to this group for making it happen. Appreciate it. There's all the letters right there. Let's roll it. Let's randomize it. Six and a four, 10 times. One, two, three, four, six, seven, eight, nine, and 10th and final time. Six and a four, 10 times. Six and a four, 10 times for the letters. One, two, three, four, 10th and final time. For 10 we got Y down to G. All right, Aaron with Y, Z and all other letters not on the list. And I, Arthur with B, Nicholas with S, Arthur with W, Nicholas with V, William with P, Brian with A, Adam with T, Aaron with N, Nathan with C, and J, Nicholas L and K, Aaron with D, Douglas with F, Aaron with H. Tristan with R, Nathan with E, Nicholas with O, Michael with M, and Kevin with G. All right, let's alphabetize by a letter. And we're going to pause the video. When we come back, we're going to see if there's any trades. Then we'll have the break. So stick around. B right back. We'll see you on the other side. All right, welcome back, everybody. No deals are done. So TWC, trade window closed. You can see it. TWC right there. There it is. So the list remains the same. Once again, remember it's first letter, first name, as it says in the website title. Just kind of shorten that because it was a little long. There's the focus right about there. So thanks for joining me on Tuesday. Now let's see what we got in here. There's a cardboard panel right here. And there are the boxes. All right, so there's a box behind the box right there. So we'll go on the dice roll. One, two, three, four, five, six.  We've got our nice Liverpool red die right here. Again, one, two, three, four, five, six. And it's five. One, two, three, four, five, six. We're going to do that side right there. And these we will just save right next to me over here. That's a good chance we might run that back tonight. All right, let's see what we got here. There's the back. My camera's in sort of a fixed position, so I kind of have to show you this way right here. Royal's got a box off? Do you know what I was saying? The opposing pitcher box. Anything hidden in here? No, nothing in here. Kind of dark on the video, but you can see in the top camera up there. There you go. All right, let's see what this is about. Obviously, all cards ship. No further base cards on the bottom and then hits. All right, first off, we've got Allison for the letter A. Brian, I think all of these all. So one hit per box, I think. We've got Sergei Milinkovic, Jared Muller, Kusfer and Kuku, Bolivia Jiru, and Heritage Gabi, 17 out of 19. Wow, Royals are on a season high four game winning streak. Watch out, everybody. Watch out at AL Central. All right, so G, Kevin M with Gabi. And then behind Zinedine Zidane is Gareth Bale, game use memorabilia. Nice. So another one for the letter G, Kevin, 2 out of 15. Nice. And Zidane goes to Aaron in the letter Z. Good looking cards here. So this one is already in some sort of penny sleeve there. Marquinhos, Pedri, Ronaldo. And we've got Akraf Hakimi, 7 out of 10. The letter A, Brian K. And the hot shot is David Villa. There's the relic right there. That's a cool design. I also remember that they use weird penny sleeves right there that's open on the right side. That's 10 out of 10. That's David Villa is going to go to Aaron. We're going to put this in a sleeve that's going to protect all sides. 10 out of 10. The first letter of the name on the card. So if it's just a single letter like Gabi, it's going to go to G. I'll make that more clear in the next and the description of the next break. And Casamero will still go to C. I think especially for the sorting team, it's going to be a lot easier for them too. Neymar will go to N. 26 out of 32. That'll be for Aaron in the letter N. And we've got another dual relic here. We've got Denzel Dumfries. We've got a dual relic. Or is that just four out of nine? Kind of an odd number there. But no, I think it's just a gold-framed card. Is that a 14-carat gold card? No, the Phenoms is a 23-carat gold-plated car, I think. Yeah, there's just out of nines. And then there's one of ones. And that'll be for Aaron in the letter D. We've got Eduardo Camvinga to 35. Well, these are cool-looking cards here. Camvinga, Eduardo, Camvinga will go to N. in the letter E. And behind Trent Alexander-Arnold is Gabriel Bautista. Or Bautista-Tuta? Bautista-Tuta. Game use memorabilia. Going to letter G. Kevin. There was a one-of-one impact one? Oh, wow, there was. How can you tell? Maybe that sort of foil right there? That's Jared Muller. I don't know German. That's going to go to Kevin and the letter G. Kevin. All aboard the Big Hit Express. Thanks to Aaron for catching that. The shipping team would have caught it, of course. But they just won't double track to see if I'm missing or anything. All right, box two. All right, we've got it out of 25. Lissandro Martinez. And then we've got Matias Delet, 36 out of 40. So Lissandro goes to Nicholas. Matisse goes to letter M. Michael T. with that one. And then we've got a Cristiano Ronaldo. Nice tribute relic. Letter C, Nathan with the letter C. Two out of 10. This card contains, and this card captures the time in Cristiano Ronaldo's football history featuring a piece of his Real Madrid away-worn jersey from a La Liga match versus Real Villadolid at the Estadio Nuevo José Zorrella. Zorrella? Zorrella? On the 7th of May, 2014. Very specific. Nathan. All right, there's Killian Mbappe. And another Killian Mbappe, two out of 24. That's Nicholas, letter K. Who may end up looking like he's going to leave on a free next summer. Probably go to Real Madrid. We might have to there, if I keep missing those. Jack Grealish, green foil, 22 out of 25. Letter J, that's going to be for Nathan. And we've got extra time, Mario Kempis. That's a cool design there. Letter M, that's going to be for Michael T. Remember, we got more in the store. We got Pele, greats for the letter P, William. We got Gial Fielish, eight out of 42 for the letter J, that'd be for Nathan. Yeah, that's Linz, Linz, Linz issues, but that's the solo home runs. He just gave up back to back bombers. All right, there's Ryan Gravenbach. And that reveals a dual relic, Neymar and Killian Mbappe, a randomizer between N and K. That'll be Aaron versus Nicholas, 19 out of 24. Ruben Diaz, it's Franz Beckenbauer. There's Olivier Giroux, 30 out of 62 for the letter O. That's for Nick. And we've got, we've got Franck Ribéry. Moments, game use material. Where, oh, I guess the material, it could be a big swatch right there with that frame. Let's see, moments, are all these frames? That's the autograph list, moments. Yeah, I think MTG 23, yeah, MTG 23. Yeah, MTG 23, this is also a 23 carat gold kind of frame. I guess that's the best word for it, frame. 11 out of 12, Douglas with letter F. Nice. All right, now let's make one person happy and another person sad. Worst part of the job, but it's gotta be done. Let's flip back over here, letter N and then letter K. Let's roll it and randomize it four and a five and nine times, letter on top wins it. One, two, three, four, five, six, seven, eight and a ninth and final time. After nine stays with the letter K and that'll be for Nick, Killian and Bapé. Apologies to Aaron with the letter N. But nice dual rally going your way, 19 out of 24. A lot of fun stuff. We got two more boxes in the store, check it out. I'm Joe for jaspeakscasebreaks.com and I'll do some more footy with you next time. Bye bye.


Comparables and its implementation of multiples method is a very common approach for valuating privately head companies. The comparables approach can be applied in the context of venture capital either in the investment states or considering the exit states. The idea of a venture capital investment is that the venture capitalists invests money into a company and they want to help that company to grow. In five or some years, the investor, the venture capitalists will sell their shares for profit. We can calculate the valuation based on the time of investment or time of the exit of the venture capitalists. The idea of these investment comparables is that we look at past venture capital deals that are similar to the deal that we are being proposed and then we compare. Is our deal better or worse than these comparable deals? That provides us some idea of the valuation of the company. Exit comparables, on the other hand, look at cases where the investment target has already exited or the investor has exited from the investment target. For example, if a company does an initial public offering and the venture capitalists sells their shares at that point, we would calculate the exit value by taking the share price of the company at the time of the venture capitalists. Exit multiplies with total shares and that gives us the value raise. When we have the valuations of comparable companies, we calculate multiples. We look at, for example, what is the value divided by revenues, the value divided by earnings before income taxes. And then we use these multiples and calculate the company value or the value of our company using these techniques. Let's take a look at in more detail what these might look like. The example comes from Rinan-Helman book. So this is an investment comparables. The idea is that if you are looking for an investment, you look for comparable investments and these are supposed to be comparable to the case company. Autos are discussing. The valuations are between roughly in the three, two, three million ballpark, some are higher, some are lower. And then you can infer that the two million valuation is a bit lower than the average deal, but it's still in the right ballpark. The problem with this kind of exit comparable or investment comparables analysis is that it does not really depend on anything that the company does. So nothing here that the company does, no revenues, no growth or anything influences the prices of these prior exits. So that's the first disadvantage. It does not take really the information from the investment target into consideration. The second problem is that locating relevant deals can be difficult. While venture capital deals are collected in some databases, finding the relevant ones from a database could be a challenge. And also not all deals are listed in a database that an entrepreneur would have access to. So this is probably not as commonly used as the other comparables technique. The other comparables technique is the exit comparables. So we look at companies that have exited and here are some hypothetical companies that have made an exit. We have data about them. We have how long all the company was at the time of the exit. What was the fund? How much funding they got? What was the value at exit? So if the company was stock listed, what was the total price of that company, including all the stocks? If it was sold to another company, a strategic investor typically, then what was the sales price? And then we have revenues at exit. We have earnings at exit and we calculate revenue multipliers and earning multipliers. The idea of a revenue multiplier is that we take the valuation, 40 million, we divide it by the revenues, 30 million, and that gives us a ratio of 1.3. Now we can use that ratio to multiply the revenues of our company to get an estimate of the value of our company. So we have these different revenue multipliers, 1.3, 12.5, 0.8, 1.2, 3, 1.5 should be like the typical value. And then we have these price per earnings multipliers between 3 and 15. Then we apply these multipliers to do this kind of scenario analysis of projections. So we can have the revenue multipliers with the average, median, highest, and lowest. We have the PE multiplier, we have the average, median, highest, and lowest. Then we have a projection, I'll talk more about projections and how they are calculated, a projected value or projected funding at exit, a projected revenue at exit, and our net earnings at exit. And then we calculate these valuation estimates. So we can calculate the average value here by multiplying the amount of revenues, 21 million, with the average revenue multiplier, which is 3, so we get 73 million. 21 times 3 is about 70 million. Then we can calculate the same with earnings. So the average earnings multiplier is 8 and 3 million multiplied by 8 gives us 27 million. We can do the same thing using the median, and we get four different estimates. We can probably rule out this as an outlier, and this would give us a ballpark estimate that our company's exit value would be about 25 million dollars, something like that. So these are used to determine the exit values, and then the venture capital method that I talk about in another video is used to calculate the present value based on the exit value.


Hi, my name is Ariyaman Veer. I'm the founder and CEO of Autumn Wise X. So I think one of the biggest strengths of our company is that we are very quickly able to understand what our consumers require. We are trying to address real problems. We are not creating problems and addressing them, which sort of becomes one of the other ways of running a company. So we are identifying different pain points in an established industry and then we are catering to them. For example, investments and wealth is an age-old industry traditionally dominated by banks and large MNCs and corporates, but we are trying to bring a twist to that. We are trying to address the pain points and being a smaller company relatively, we are able to be a lot more agile in our approach. So we are able to cater to various demands, requests and requirements of prospective investors and users. So I believe that true leadership is when you allow people to actually do what they're best at. So quite often what happens is you hire someone and then enforce your own way of operating on them, which in my opinion is very counterintuitive. If you're hiring an expert for something, let him do his job, trust him. And I think that's really well my form of leadership.


Step one, just don't do it. Just kidding. Hi guys, welcome back to my channel, or if you're new here, hello, welcome. My name's Sam, I am a professional hairstylist specializing in hair color, and today I'm gonna share with you how to use box color correctly. You might be thinking, huh, I've always heard that box dye is terrible for your hair and you should never use it. Yeah, there's a lot of reasons why professionals advise against using box color. And despite popular belief, it's not just because we want you to come to us so it puts more money in our pockets. It really just isn't great for your hair. There's a lot of harsh, cheap ingredients in it, and I mean, you can just tell the difference. When I look at someone, I genuinely can tell from across the room if they have professional color or if it's box color, just because of the way that it makes the hair look. It can start to look very dry and just very opaque, and there's just no dimension to it at all, and it just looks very harsh and very unnatural, and it really isn't the best stuff. And it also can be tricky to get the exact results you want.  There's a lot of mixing that goes involved. It's not just like, I want that color, you pick that color, and you put it on your head. There's more that goes into it. I, of course, highly suggest that if you have the means and are capable of going to a salon and getting your hair colored by a professional, that is, of course, always going to be the best option. However, I am not naive to the fact that people are still using box eye on their hair, and there's nothing that I can say that's gonna stop them.  Whatever the case may be, I would rather, if you're gonna use box eye, I'd rather share these tips with you and help you use it in a way that's going to give you better results and help your hair in the long run.  Like that's proven to not be effective. People are gonna do what they wanna do anyway, so we may as well teach them how to do it safely. Is that a weird comparison? I don't know. So my first tip is, if you are doing a fresh brand new application, say I go into the drugstore, I'm starting out with like a medium brown hair color and I want to make my hair darker.  What I suggest doing is splitting your hair into four sections to make it a little bit easier. It's more helpful to like stay neat. That way you're not missing any spots.  So just squeeze the product out right at the root, rub it in a little bit and then just work on each section at a time, doing nice neat partings. Apply it all over to your root area first when you are depositing color. So if you're trying to change your color, you either want to like deepen what you already have or go darker. If you're trying to go lighter, you wanna do the opposite. We'll talk about that in a second. Your roots are new fresh hair. So the cuticle is a lot tighter because it's baby hair, it's fresh. It hasn't been exposed to hot tools and just like the environment, you know? Your hair on the ends is older hair.  So the cuticle is gonna be a little more open.  So apply it to your roots first, give them a little extra time to really take that color and then after you've applied it all over to your roots, you can then pull it through to the mid strand and ends of your hair. And I suggest using a wide tooth comb or some kind of like wet brush or something to comb it through to make sure that you're fully saturating everything and that you're not missing any spots. My second tip is if you are doing a retouch, let's say you've been coloring your hair dark brown, we're just gonna stick to that. And now your roots have grown in and you're like, okay, it's time for me to refresh my hair color. I know a lot of people will then take that color and they will apply it all over their entire head, roots to ends. Do not do that. You do not want to be overlapping that box color a million times on your ends. That's how it's gonna end up looking flat and dull and it's gonna start being real obvious that you have box color in your hair and it's just gonna feel really dry, especially. So when it's time to do a retouch, again, just apply the color to your roots first and then if you do need to refresh your ends because sometimes the color can fade a little over time, wet the ends a little bit first, brush through, make sure it's all even, then apply the color to the mid strand and ends just for the last 10 to 15 minutes. The ends already have color on them. You just want to refresh it a little bit. You don't need to do a full application to them again. If you are looking to go darker, I suggest whatever color it is that you wanna be, go one shade lighter than that. Box color can be really, really intense. That's the thing. It's made to be like a one size fits all kind of situation and it's meant to cover the most stubborn, stubborn, full 100% gray hair, right? And if you don't have that much gray or any gray, you don't necessarily need it to be that strong and that powerful. So oftentimes, based on what I've heard people tell me and just based on my own experiences, because I'm guilty, I used to use box color back in the day all the time, it usually ends up coming out darker than what you originally wanted. And sure, over time it can kind of like fade and lighten up a little bit, but if you want the results that you're looking for right away after your first application, hi. Just pick one shade lighter. Okay, so now let's talk about going lighter with box color. Because everything that I talked about up until this point is like I said, if you wanna go darker, if you just wanna like richen up your current color, but now let's say you wanna go lighter. Let's use my hair as an example. Let's say I wanted to be blonde. I can't do that with box color. If I were to go and get a blonde box color and put it on my hair, best case scenario, my hair would turn orange, but I'm not gonna get blonde from a box color with my hair being as dark as it is. So with box color, if you're trying to go lighter, you can go maybe one or two shades lighter, but that's about it.  But let's say you're just looking to go one shade lighter than where you're at now and you're okay with it being warm. That's the other thing to keep in mind.  If you're trying to go lighter with box dye, it's always gonna have a warm finish. But let's say you are just trying to go one shade lighter. When you're applying your color, you want to do the opposite of what I said to do if you're looking to go darker. So you wanna apply it to the root area last.  So apply it, I would say, about an inch or two away from your roots first down to the mid-strand and ends and then after you do that and that has sat for about 15 minutes or so, then go through and apply it to your roots. Another thing to keep in mind, I said with box color, you can only go like one or two shades lighter than where you're starting from, right? That is only true if you have virgin hair, meaning you have not colored it. It is fresh, natural hair that has just grown right out of your scalp.  It's just, it's not. Color, you may have heard this term before, color does not lift color, meaning you cannot throw color on top of previous artificial color and make it lighter. It's not going to remove that. You need to then use either color remover, bleach, you know, some kind of lightener to do that. Those are things that I would not recommend doing yourself at home, especially if you don't know what you're doing. If that is the case, go to a salon, go to a professional. My next tip is after you do any kind of box color, always follow it up with a good deep conditioner because like I said, box color can be very harsh and it can be very drying to your hair. So you wanna make sure that you're putting that moisture back into your hair after using the box color. And then my last piece of advice is just honestly, don't do it unless you are fully committed and it's like your only option. Cause here's the thing, if you're like, oh, I really just don't wanna go to a salon and pay to get my hair done, I'd rather just go to the drugstore and you know, pay $6 and do it myself.  Box color is very difficult. It can be very, very difficult to remove from your hair. So unless you are committed, like this is the color that I want to have for the next five plus years and I don't plan on changing it at all anytime soon, don't do it, go to a professional because if you have box color in your hair and then you decide that you wanna change it and it has to be removed from your hair or lightened, not only is it going to end up being extremely expensive because now it's a color correction, which is gonna cost you a lot more than just a regular color appointment because there's a lot more that goes into it, it's a lot more time consuming, a lot more difficult. But it's also going to end up creating more damage or at least it's gonna definitely increase the possibility of damage. It's really hard to remove these harsh colors from your hair without causing any type of damage at all. And you're probably not gonna get the results that you want. It's gonna take a long time and be a long process. Your hair can end up looking like this and this, this, this.  And then like I said, it's a long process, not just the one appointment, it can take multiple appointments over months and months. It can take up to a year or more to get that box color out of your hair and finally get you to your goal. And at that point, you've already spent well over $1,000 most likely. So it's like, was that $6 box really worth it? I know it's like easy and convenient to just do it yourself at home and so cheap in the moment, but if you know that you like to change your hair and you're probably gonna wanna be lighter, it's just, it's just not worth it. It's really not, honestly. So yeah, that is it for this video. Those are all of my tips. Like I said, I am not trying to encourage anybody to use box color on their hair. I know that there are people that are still gonna do it no matter what. I would rather be one of those stylists that's going to help people and be realistic rather than just being like, nope, nope, don't do it at home, don't do it.  I used to do my hair at home. That's how I discovered my love for this industry. I'm just trying to be realistic. Thank you guys so much for watching. I hope that you found this video helpful. If you would like to see more videos like this one, make sure to subscribe to my channel here and also go and follow me over on my Instagram page styled by Sam Vey. I share tons of hair tips over there as well. And hopefully I'll see you in my next video. Bye.


Think Tech Hawaii, civil engagement lives here. Everyone, here we are at the Think Tech studios in downtown Honolulu at the Plaza Building. And what a weekend do we experience. But we're here live and well, and so today we are so excited to just share a little bit about health, different, I mean all kinds of health. We have preparedness health, we have health, nutritional health, medical health, fascia health, you name it, it's quite broad. So today we're going to talk about finance and debt versus health. And so that's quite important because if we don't have good finances, it really affects our health. That's right. Right? That's right. And so today we have Mark Benson, who is known as the honest car guy from the Ford dealership. And Mark, you have represented so many different cars and dealerships. Just share with us a little bit about what Mark Benson does and did. Well, wonderful. Thanks for having me, Wendy. I think the number one thing is, is that I have a wonderful family behind me. My wife, Mary, my son, Patrick, we've enjoyed Hawaii. We've been here just a little bit, just almost seven years. And it's been a great place for us to be over the years. Most recently we had Honolulu Ford for about five years and we sold it to a publicly traded company about 18 months ago. But we really decided to make Hawaii our home. Over the years I grew up in the Midwest and have an Ag degree, believe it or not, and have had the opportunity to represent different manufacturers over the years and have enjoyed every one of them.  I mean, not local.  Crazy. Absolutely. Yeah, absolutely. And that to the sense of humor. You've got the slangs down. You've got the terminology down. And you know, you just got the heart and the lost spirit in you. So that's why I think a lot of people will gravitate towards you and your personality. And your companies that you represent. Yes. So tell us a little bit more about Honolulu Ford and your secrets and your success. It was great. This was a great market for us to be a part of over the years. We had an opportunity to have about 110 people and the store was in very difficult shape when we arrived and we were able to reach out in the community and I think really become part of the community. We're involved with a lot of the nonprofits. We looked with our people that were in the store and we really looked at them as our asset. And when your people are your assets, you can't help but be successful. So we did something a little bit different with the dealership and we closed on Sundays. Wow. I know I would pass by on the freeway. I would see that banner on your building. I'm like, wow, touche, Mark.  And you know what? Tell us the results of that. Well, it was great. Originally the store had struggled as I mentioned to financially but also in sales numbers. But the moment we closed on Sundays, the store took off and we became the largest automotive American car store in the state of Hawaii. Wow. I mean, that is an accomplishment. And you know, I know that you, it was very tough to make that decision. But something guided you to make that decision and what a great decision that was. Well, you know, it's always easy when things work out to say, hey, that was the smartest thing in the world. I was scared out of my skull. Of course you were. Let's just be honest about it. Of course. You said, are you local? I am. I am. I am. Right? But what a great decision. And you know, those sort of decisions guide all of us towards success. Correct. You know, and I know wherever I go, I see you in different events, whether you're donating, whether you're just participating in all the community events. Tell me about that involvement with you and your company. Well, I think that's a lot of our success has been that we were involved in the community. We were very active with Kapiolani and we're great people over there to across the street.  But everyone from the Boy Scouts to the Junior League to the Red Cross to New Hope, it was wonderful to be a part of the community. We had 43 different nonprofits that either received our time or our treasure since we've been in Hawaii. And it's been fantastic to develop relationships. You know, and that's what makes Hawaii very different or sets us apart from many other states is the aloha spirit. I mean, although you're not born here, you've adapted that aloha spirit within you immediately. And so, you know, I also represent many boards, national boards as well. And the giving power in Hawaii is incredible. And the mainland companies truly, they want to model their programs after what we have because the giving power is so great. Even though our population is rather small compared to most of the other states, our giving power is so great. And as I said, that means towards financial health. Correct. Right? Give until it hurts. Yes. Right? So you must hurt a lot. No, no, no, no, no. It's all done with the proper desire to help those around us. Very good. You know, so one takeaway for us is, is debt controlling you or are you controlling debt? And you know, what a great statement. Right.  And I don't mind saying if it's a car and it's too much money, that's a horrible feeling. I don't want anyone to live like that. It's terrible. Right? And we all need a car. Right? Right? And of course, they're trying to work on our different public transportation. Sure. However, a car profoundly makes a lot of sense. Correct. And that's your business. Correct. Right?  So tell us a little bit how you made that decision from ag to business to car dealership. Well, at the risk of saying too much, I wanted to be a John Deere dealer. That was originally my goal, but unfortunately, when I graduated from school back in 1984, which knew the math really puts me at 56 years old, the ag business was in terrible shape. And so John Deere did not have any opportunities. So I went to work for the Japanese, went to work for American Honda and ultimately had this as my territory for about 18 months. And so I sold the cars in the 80s to the Honda dealers throughout the islands. Wow. So you were connected. It gave me an appreciation for the business here.  And now I know through your career you received a lot of press upon your management principles. So tell us a little bit about your management's principles and styles that set you apart from others that led you towards leading companies towards success. Well, that's a great question. I don't know that I'm perfect in it, but I can give you a couple of thoughts that I have. I think everything we do in life starts with a family wage job. I don't mind if it's a man or a woman. If they're older, young, you have to be able to have a family wage. And if you don't have that, how are you going to be able to take care of a family? And so to me, there's nothing more satisfying that I have an opportunity to take somebody, maybe they've made some bad decisions in their lives, and they've had to pay for it, or perhaps they've missed out on education, tough upbringing, and didn't have the education opportunities that I was able to take advantage of, but to be able to give them a path and show them by hard work and listening how they can raise themselves up and watch their income climb at the same time. Wow. This is not just a talk show about finance and debts, and this is actually a father's health talk. Yes. What you're saying, and I'm hoping that young people are listening, that that's a very key component that we teach them to be responsible as a leader, as a man, to provide. Yes. And so that's what the message I'm getting from you right now is exactly that, and I sometimes feel that that could be a little bit of a breakdown in the families, and so the breakdown in the families because one or the other puts too much responsibility on the other, and I'm not going to say it, but yes, the man is the head of the household, and you right now just confirm that by saying what your direction was as the lead of the household. Well, it's the responsibility. It just falls to us naturally, but at the same time, it's not to be an overbearing person. It's the responsibility to say I'm going to be able to take care of it, and if that means I have one job or two job because this is a very expensive market to live in, we have to be able to rise up and do what's right. And take the responsibility. Always. Right. And so that's a really good takeaway right there. You know, you got to go on billboards and just make that one statement cliche so people can see and understand. That's the key right there. Step up. Step to the plate, Mr. That's right. That's right. Right? And do you feel that that, not only in Hawaii, but that's nationally and worldwide, the breakdown of a lot of the households financially as well? Oh, I think it's, you know, the youth of America today are underneath a tremendous assault, and it's very difficult on them. We've raised a generation that is different than what we were raised. I know that I came from a family. My dad's a Lutheran minister. My mom's a nurse. But never one time did they say to me, we want you to find your passion. All my dad said is that farmer's willing to pay you to go scoop that barn, go scoop. And by the way, as soon as you're 18, you're out of the house. And so it was a different upbringing than what we do today. And you know, no wonder we get along so well.  Yes. And they have the same belief, 18 years old, you're out. That's right. Okay? And that's actually, biblically, what is stated as well.  That's right. And you know what? Look how tough we are. That's right. And so I did the same with my children. Good. And I've not ever pampered them financially. But I've done the same, that they want to go, they'll go on their own. That's right. I'll be there to support them in any which way. But the same message. So if we can have that as another takeaway so that we don't discourage, but we encourage, you know, self-sufficiency and just motivate them to be who they should be. Absolutely. Absolutely. I couldn't agree more. Right. And so, whoa. Okay. So getting back into cars and financing and all of that. So tell us, I know you have a different approach to cars. And I mean, everyone has to have a car, or they say, and everyone has to have a house. And so now with that direction, how can we afford that? I mean, here in Hawaii, I keep telling people, no, it can be done. It can be done. It can't be done. And you right now will tell us a little bit direction towards that. Well, at the end of the day, you know, number one, it comes down to what the income is going to be, obviously number one. But then also number two is what's our expenses. Because you can make a ton of money, but you spend more, you're backing up. You're not going the direction you need to go. So to me, the smart thing to do is to sit down and budget number one. And then number two, look at what kind of car do I need. Here in Hawaii, we don't drive a lot of miles. So in our Ford store, leasing is not a profitable business necessarily for a dealer to be in. We don't make as much money. But I leased about 40% of my vehicles because I wanted to have the consumer come back and see me. And so that's the reason I tried to lease because a lease traditionally is about 30% cheaper than a car purchase. And so that was just my approach to trying to help the people. And it was well received. It worked out very well for us. And you're absolutely correct. I have my cars for 10 years. And what is the average amount of mileage per year per car? Well, we like to think it's 10,000 miles a year. But in reality here, it's more like about five. OK. So you see that. So I'm average. I used to always think. Only in that sense. I used to always think, wow, I'm so good. I keep my car rates low. Everything down. I mean, I travel, I deliver, I pick up, I do all I can. But my mileage does not get up there. Because like you said, in Hawaii, where can we go? We're in our cars all the time. We just don't go anywhere. And that's not a bad place, all right? Not a bad thing. It's a wonderful thing. Right? Because you put on some good music. You got the air blowing on you. You got the beautiful sights. That's right. What more can we ask for here in beautiful Hawaii? That's right. Is that correct? 100%. Right. So we're going to take a short 60-second break. And when we come back, we'll learn more about creative ways of how we can afford living in Hawaii, buying a car, and just being comfortable with what we have. Mahalo. I'm Jay Fiedel, ThinkTech. ThinkTech loves energy. I'm the host of Mina, Marco, and Me, which is Mina Morita, former chair of the PUC, former legislator, and Energy Dynamics, a consulting organization in energy. Marco Mangelsdorf is the CEO of Provision Solar in Hilo. Every two weeks, we talk about energy, everything about energy. Come around and watch us. We're on at noon on Mondays every two weeks on ThinkTech. Aloha. Truth is, I'm impressed. I haven't been asked such intelligent questions in a long time. Thanks. If you're not in control of how you see yourself, then who is? Live above the influence. Here we are again with Mark Benson, the honest car salesman from Honolulu Ford. Earlier, we discussed a little bit about debt and finance. But we also went off track a little bit. But it was really key because we got some great takeaways, giving advice to the males of Hawaii and the world, of course, about just stepping to the plate and being more responsible. And again, as parents, our responsibilities and our duties to help our children get to that point. Because honestly, they don't get there alone. That's right. And so you have one son. We do. And so how are you raising him in that direction as you were raised? Beating him with a stick, getting him out at 18, go to work, or else fumble or fall, you choose, right? I am guilty of doing what my generation has done. And no, we haven't gone that route, although he has worked solid as a junior in college, but hasn't decided what he wants to be when he grows up. He's kind of like his dad at that. Yeah. And there's no rush in that. That's correct. All I say to my children is go out and be happy. Just live with integrity and respect and just do what makes you happy at this point. You know, they've gone to school. They went to college. They did all the right things. And now they're just trying to find their lead or their desires to be happy, as mom expresses. I mean, but yet, I still, at 18, I also sent them out. And they found their way. They finished college. And now they're needing to do what they need to do. No different than what we, I mean, when I was growing up, I never aspired to be a chocolate maker.  I would love to be a chocolate banker. You're telling the truth. I aspired to that all the time. You should tell. Well, I guess my dream came true. I dreamed it very hard. And so one thing I know about what you did with your business and what I do with my business is that we constantly gave back to the community. There was no weekend that I was not present in any event or party, not me physically, but my chocolates that we donated. And I know that you're the same way. And so that's another thing we want to really impress upon the people. So important. Right, that finance health, financial health, comes by giving. Yes, right. You know, everyone thinks financial health comes when we keep receiving it. No, because we know. That's right. We know the more you give, the more it comes back. And that's not why we give, but it just happens that way. Right? So it's a good place to be, right? Well put. All right. So tell us a little bit about your passions, Mark. I mean, I know giving is your passion. And what tell us more about what's it all about? You know, the car industry has changed significantly. And frankly, it probably needs to change. Automotive, auto trader just did a survey and only one out of 235 people enjoyed or trusted the automotive transaction process. Think about that, Wendy. If you and I owned a restaurant and only one out of 235 people said, hey, we liked it. Are we gonna be in business very long? Not very long. We're gonna be out. And finance your health to me. It's terrible. So as I've watched the industry change and it's changing a lot right now, the consumer has the ability to be in control, which is fantastic. I like that. And as the consumer becomes in control, the consumer, not just in the car business, but in many industries, the reason Amazon's doing so well is because the consumer says, I wanna have that product cheaper on my terms when I'm ready. And so to me, what we have to do as business people is apply those same principles so we can deliver to the consumer. Wow. And so the whole idea of that is listening. Correct. And then acting upon it. Correct. I mean, that's just the definition of success. Correct. Success is not just being there at the right place with your restaurant or your car dealership, but being there at the right place at the right time and taking action. Well stated. Right? And so that's exactly what you did. Yes. You understood what the needs of the clientele was and you changed your whole management system. That's correct. Mm-hmm. Are you diving into another business now? I mean, I know you're not gonna sit still that I don't wanna say you retired out of Honolulu Ford, but I know that there's other things down the pipeline for you. Well, I'm working on a new business right now and what it's intended to do is not replace the brick and mortar business. But one of the things that my passions was at Honolulu Ford, there's nothing more exciting than taking a family where I've lowered their car payment, maybe $150 a month. Now, think about that for a second. You're keeping them out driving a car, whether it's in a new car or whether it's existing car, but we've lowered their payment because they've been able to improve their credit. And these people love you for life. You changed their lives. Now growing up, my dad and my mom, very hardworking people, but we were paycheck to paycheck. We weren't hungry, but we certainly weren't overfed either. We were vegetarians before it was cool. So what I try to look at is if I can change a family's opportunity to have $100 more per month, then you know what? That's a pair of tennis shoes or two pair of tennis shoes for the cakey. And what does that do for the quality of life in their family? It takes pressure off of them. Right. So you're saying that you were a vegetarian? I mean, so you have pork and beans without the pork. Exactly. Okay, got it. So financial health growing up actually worked with you having not abundance. And there was no abundance. Right, because what it did for you was it gave you a desire to fight harder. Correct. And so that's important. Absolutely. That is so important to be hungry for success. It has to. Right? And then we fight harder and we do all the right things, mind, body and soul to get financial health. Well put. Right? And so for you, what you've done with your cars is you'll meet it more affordable. So that means the family can have a better quality of life. Correct. Because they don't have to stress and worry about, oh my gosh, is it gonna be locked up? Is it gonna get repoed? And so me, is it safe to say that in your business, you don't do a lot of repos because the payments have drastically dropped that they won't get themselves into that dire straight. I really found over the years, the worst thing you can do in a reputation is to put somebody in something they can't afford. And all that is gonna do is create a tremendous amount of ill will. And that's not good. So I would many times tell someone I wouldn't come to sell my car because it wasn't up to what they wanted. They weren't gonna be able to afford it. Just wasn't good business practice. And so one of the things that we're working on right now, think about this for a second. If you have right now, only one out of 235 people trusted the transaction process. Even my own mom wonders when she goes over the curb buying a car for me, did she get a good deal? We all wonder, right? Right, even your mother? Even my mom? Yeah, well put, well put. She goes, I don't know about that boy, mom. But at the end of the day, we're starting a new company and the new company is called honestcarpayment.com. And the premise behind it is not to sell you a car. The premise behind it is to make sure that you have the best possible car payment that you can have.  We're gonna lower your interest rate three percent. They don't do that. So that's why we're gonna reach out and our desire is to help Hawaii lower their payments as much as possible. Wow, you guys can't see this. We're on a green screen. He has a green hat on his head. I look at him like he's on his aim. I mean, good job, man. Good job, Mark. It's like, touche. I mean, that's, you've nailed that part of it. So the family, as I keep saying, they're gonna be able to live life and they have other issues that they're gonna be dealing with. That's correct. But their car payment won't affect their health. And the stability of getting from job to school, to home, to job, to school, to home. Safely. Safely, you know, in a car that they can't afford and that they should be driving versus what they desired to drive. Correct. Wow, and you actually do that. Correct. That, you're different.  Well, you're being blind. And I mean that, you're living your title. Yes. HonestCarPayments.com, is that correct? HonestCarPayment.com, that's correct. I'm so glad for you to do that. And that you're gonna just start this concept. Is this a brand new concept that you thought of or are you modeling it after some other? You know, it's a new concept that I've thought of. There are some people in the mainland that are doing it slightly different. My desire is we're gonna be transparent. And so the transparency is gonna hold where if we save someone $5,000 on their payment that will be paid X, but they're gonna know what we're gonna get paid. I'm gonna disclose it. So the entire transaction process, before it's consummated, will all be disclosed. Wow, you know what you're gonna do?  You know, now we're gonna wanna go there and wanna get a good deal because we know we're gonna get one. Yes. That's a switch. It's different, isn't it? It's refreshing. Yes. But I think that's what the consumer wants. And in reality, to be successful in our country, we have to give the consumer what they're looking for. Wow, so other businesses in the marketplace, you call him, I'll give you his number later, model your business in this direction. It's healthy. Yes. It's healthy, it's healthy not even just for you. It's healthy for your customers and for the whole mindset of the state. Yes. And effecting other states, other places in the world. Correct. Doing honest business, it's so refreshing. Well, thank you very much.  It is. So you know, I can buy my car, I can go to work and do everything I need to do because I feel good, because I didn't get. There is that portion of them out there, yes. Yes, yes, yes. So we'll see my friend Mark over here. So Mark, tell me about this. There's lots of, I wanna say, money to be made by saving money on car. Like I heard some crazy number, $37 million. Well, yeah, actually, it's 37 billion. Billion, billion. Every American went out today and refinanced their automobile. When he's 37 billion dollars right now, everybody can make. So if you think about it, Quicken Loan has been refinancing homes for years. They're the number one home mortgage company in the world right now, Quicken Loan. And they have no brick and mortar. All that Quicken Loan is, is internet. And so when we look at how much money can be saved on cars, this is the kind of thing that I personally believe people can get their cousins and their auntie and different people and tell them about it. Do you realize you might be able to save money? And that's the word of mouth that we're looking for. Wow, that's a breath of fresh air. That's all I can say. And you know, with that in mind, I mean, just breathing that better air, better quality, having that peace of mind. Yes. I mean, that's what I'm talking about. Just that simple peace of mind about my car. Can I make the payment? Am I affording that car? What am I doing? I'm in over my head. When I go to see you, that won't be an issue. So that means it's one level of stress less for my body. Less toxins into my system. So that means I can focus on other things that make me happy. Correct. Thus. Yeah. Thus, that versus health, right? And then not only, yes, and not only in car, but in every aspect of our lives here in Hawaii.  I just want you to continue to be transparent and just model this amazing honest business, honest car payment business, and infect other businesses to do so. Well, thanks for your insight. I really appreciate it. So we're coming to you live from Think Tech, Hawaii, downtown Honolulu, and come and look for us again in two weeks. We'll be here at two o'clock where we'll talk more about different qualities of health. Aloha for now.


Some of you are here today, you came for an encounter as well. You came to kill, slay that giant, that metaphorical giant in your life. That demonic spirit, that sickness. And there was someone said, oh, you're crazy. That's not the solution, but David stood strong. David didn't listen to the suggestions and the voices around him because the faith we need was louder than the voices on the outside. You've got the faith, you've got the name of Jesus. That sling was just a contact point between his faith and the five smooth stones. The name of Jesus will break the head of the snake here today.