So I don't know how many of you have seen the adverts for Luke Earbuds. They're a reusable earbud They block out different things depending on which edition. So I bought the quiet one today. I started with Luke Experian Today, I thought we could compare them. First of all, I want to review the quiet one. Quiet headphones are to die for. When you open the box, this is what you see This white container has the earbud in The other one in Violet So these are the quiet Luke Earbuds. Now, what can I hear? I can Slightly hear the traffic outside, which is very muffled. I can hear me talking. I can hear people talking outside Interesting. Will these help me in my sleep? Probably not. I Can't hear that. Busters just pulled up. Busters are annoying. They are good. Well, they're not what I expected or what I need. I need something that blocks out the sound of everything Because people have the TVs on way too loud in this building Especially at night. So comparing them to these that I've been using, I would say these are better There's a Luke Experian This This is the quiet Luke Luke quiet. Do I think they're worth the money? Yes, I think they're good products. The quiet ones are good if you want to slightly dim down sound? Are you looking for total silence? The experience, the longer I'm going to get. That's my opinion Let me know in the comments what you think. Have you ever tried them out? Let me know Thanks for watching and I'll see you guys in my next video. Peace You


Coast Guard Station, Fort Myers Beach is located at 719 San Carlos Drive in Fort Myers Beach, Florida. About 50 crew members are responsible for approximately 150 miles of coastline from Boca Grande Pass south to Everglades City, Florida. The station has two 25-foot response boats, two 33-foot special purpose law enforcement crafts, and one 41-foot utility boat. Station Fort Myers Beach's primary missions include search and rescue, maritime law enforcement, and marine environmental protection. Hello, my name is BM3 Keckin. I've been here at Station Fort Myers Beach for about a year now, and tonight I'm working on chart corrections and track lines, making sure that our coxsons have a reference, a wall underway, so they can safely navigate our waters and get home safely. At Station Fort Myers Beach, we run more than 400 cases a year. In 2007, in partnership with local law enforcement agencies, we assisted in 48 arrests, 22 documented smuggling disruptions, and 13 vessel seizures.


Good morning, John. This Christmas I wanted to share something with you, something that I love. It's a book by Aaron Kubo that I saw as a Twitter thread 12 months ago, and I loved it so much, I wanted to turn it into a video. So, join me for a reading of The Christmas Creature. Gather my children this winter night. The air is crisp and the stars are bright. Turn off the tunes and take a pause. Cease your thoughts of Santa Claus. And hark the season's vital feature, appeasing the great Christmas creature. His trials are strange and tricky too, but heed my words and you'll make it through. The first test would be the Christmas boy. He'll knock and ask for your favorite toy. Hand it over and hold back your tears. You'll get it back, so have no fear. The second test is the Asking Bird. You must tell the truth with every word.  The third test comes on Christmas morning when you receive your Christmas warning. And yes, you are allowed to share. Call up your friends and compare. After that, you'll know it's time to make your dreaded Christmas climb. When you hear a high-pitched shriek most shrill, coming from your hometown's highest hill. So grab your offerings real quick. A lock of hair. A real good stick.  Use a bow and wrap with care. Climb the hill, and as you get nearer, take out your special Christmas mirror.  Walk backwards to him and throw your gift into the yawning blue, not red, rift. Toss it true and toss it quick before the fog around you gets too thick. Now the Christmas creature will ruminate on your special Christmas fate. And if you've done everything just right, a bong bing bong will ring through the night. The Christmas creature's great eyes will glow, your stolen toy will appear in the snow, mostly the same, but a little wet. And now you're in the creature's debt. You're in the creature's debt. It's tradition, so don't be scared. And Merry Christmas. You've been spared. Aesthetic is weird. Like I would have to look really hard and for a long time to have a good idea of why I love that story so much. Like I see a lot of stuff on Twitter and rarely do I reach out to the person who made this stuff and say like I would like to license that for a video. And then I'm gonna get my friend Sam to animate it and I'm gonna license some music for it and record narration for like two hours to get two minutes of performance. I don't know. I also don't know why I spent like 10 hours over the last few weeks working on my piece of the unofficial TikTok ratatouille musical. The one thing we should know about this is that taste is not like universally good or bad. It's our values and our world views and our experiences and our ideologies. Like the Vlogbrothers Project for Awesome 2021 calendar available now designed by Megan Tengas. Like why do I love it so much? I think it goes a long way down. And I think it's a good idea to examine our aesthetics, but I also think it's a good idea to indulge in our aesthetics. And thus Christmas creature and ratatouille musical and Project for Awesome calendar in these freaking socks. Erin Kubo is selling physical copies of the Christmas creature on her website. You can get those at the link in the description. Same with the calendars in the socks. The ratatouille musical is not for sale. John, I'll see you on Tuesday.


Let's continue and let's jump on something a little bit more interesting and more detailed the advanced topics for the free Arto's and the way how to make the code More robust and more responsive to different types of errors So one very important part of the free Arto's architecture is the hooks Hooks are methods that are called in case something specific happens and It can be a reaction on a task switch. It can be a reaction on the memory allocation fail or Stack overflow and some others Normally the hooks are disabled and they are not called within the code. So it's covered by a macro And if the macro is disabled the calls are not there, but if you enable the calls You should define the appropriate function with a specific name But if you enable it in a cuba mix the function is generated So you only fill in your own body for such function The cuba mix generates the hook functions in free Arto's dot C file so you can find them here So the first thing is the idle hook The idle hook is a very interesting thing It's entered anytime when the idle Is entered you know that the idle task is Something that Runs when all other tasks are not available are blocked the free Arto's In fact doesn't have anything to do. So it calls the idle task and In the idle task we can set up idle hook and idle hook Should never be blocking or Suspending any other tasks. So it should be a pass through function You can see that this is an example of a good one We only increment a variable and exit The case where we stay in a while one in a blocking loop must not be present so If We want to use the idle hook We can enable it in the the list of the hooks in the config parameter stop for the free Arto's and And The advantage of the idle hook is that within this callback we can enter a low power mode Because if the microcontroller doesn't have anything else to do Typically it will be awakened on a system timer on external interrupts on Wake up from for example from the real-time clock or from communications So we can use the idle hook to put the microcontroller to sleep mode so when we enable it at the Free Arto's will be expanded by the prototype of the function and by a weak buddy You can see there is quite a long comment about when it's called and how it should be used One big remark don't use any blocking functions in this one I'll hook use it for entering into low power modes or you can as well mark the entry to the idle function and by using this time entry and entry to the next Task switch you can calculate how much time we spent in idle and how much time is used by other functions of the free Arto's So the idle hook can be as well used for monitoring the CPU load Another hook that gets called when it is active and activated in cuba mix is the tick hook This is a function that gets called periodically after the cystic interrupt gets Triggered so after every free Arto's time base activation the tick hook is called as well so again, it should be not blocking function because it would block completely the interrupt and You should use interrupt safe free Arto's functions Especially if using the native interface the from ISR suffix should be added and Because it's called from the interrupt context So this one when activated gives you the chance to react periodically with one millisecond It's the most effective place where a periodic timer callback can be placed another callback and this is a very important one is Activated when you enable the malloc failed this is Very important when you design your free Arto's with a dynamical memory allocation Why because whenever you put a new message in the queue or when it reorders the lists when you create a task when You operate with any object of the free RTOS it allocates and the allocates dynamically some memory and At the moment such memory is not available anymore due to the size of the heap or due to the fragmentation of the heap the malloc can fail and It will most probably give you a minus one or null pointer and You saw that Most of the code user code doesn't care about return values and doesn't care about pointers The RTOS does care and if you enable the malloc failed hook it will jump into this function if the V port malloc or PV port malloc function fails and Doesn't have any available space So it gives you one central point one central callback where it tells you hey your application failed and Here you can do a recovery steps typically logging it and resetting This hook is critical for proper application debug and even in a release mode You probably should use it to record any runtime issues and performance issues with your application I give you my own experience either I use this function or I can spend several days hunting really mystery errors because if you somewhere allocate an object with Completely nonsense pointer and Then you start using it somewhere With some delay because you normally don't need to use the allocated object immediately You just allocate it it fails Okay, put it in a pointer and use the pointer After some time when the communication arrives you need to put the data into this allocated memory and suddenly couple of seconds later There is no memory where you put the data to so you get a memory fault you get a hard fault and you know why So using this one really really helps It is activated again by a Cuba mix with the use malloc failed hook macro and It's generated in free artist.c file with a comment how to use it So in case you get here, I think it's Most probably unrecoverable state So if your application isn't dynamic enough that it can skip a functionality that relies on the memory allocation you can live with that but If you don't write such dynamic application, it's better to log it and restart So one example where you can see immediately how it works. We can have a malloc fail message and When we try to allocate too much memory the malloc will immediately fail because One megabyte cannot fit into few kilobytes of the microcontroller SRAM another very important thing is to check the stack overflow for your tasks You already know and some of you noticed when you edit new objects The Cuba mix already started complaining that the heap is too small This is a good thing because previously we didn't check the size of the memory and when you generated the project with the original three-kilobyte heap Many functions simply didn't fit So right now you have a message telling you hey you need more heap but If you don't do that or if you put too small stack for a given task It can happen that the stack gets overwritten By calling external or library functions where you don't know exactly how much local variables they allocate By calling recursive function that puts local variables on the stack by simply calling a too complex and the deeper a program or library So it's difficult to say how much stack you need and It's even more difficult to debug a program whose stack overflow Especially because while you are still in this program You own the memory you own all the content of the RAM So if you overflow some into other area at the moment you are the owner of the CPU You don't feel any issue The memory is still around so you can write anywhere you want and the the task works very well But at the moment when the kernel does a task switch and it starts reading the other tasks tcb and Returns to it. Suddenly it realizes. Well, there is a mess so When it jumps there It crashes the application will crash in many different ways in many different functions With many different errors It can be Wrong return addresses. It can be completely wrong parameters. It can be just a slight modification of a variable and Then you see different calculation results So you can really imagine thousands of different errors That can be emitted by a corruption of the stack and I can tell you that debugging such thing is like going blind Because you don't know where this came from why your perfectly written program simply doesn't work until you get an idea who's behind Your set of variables who's behind your own stack and You look at the other task asking hey could this overflow Friartos has means to test if the overflow occurred and It has to be enabled to do that to check if the stack overview for given function we get the Friartos when it sets up a stack For a given task it fills the memory with the pattern a5 Additionally it puts The high watermark record in the stack so we know how much of the stack was used and If we want to check in runtime if the stack did overflow We should be set these parameters to one use trace facility the function task gets stuck stick high watermark and There is a specific function that Will be able to calculate the high watermark of the stack Then we have to choose one of the methods for the stack overflow detection There are two of them The first one the simple one is where we set the macro check for stack overflow to value one at this point It will just check If the stack pointer contains value outside of the valid stack range So it will take the stack pointer that gets adapted during the program flow and When it is outside of the stack range Which is a very quick check. It's just two boundaries start and end of the stack is The PSP out or inside so if it's outside you get a call to the Stack overflow hook So it's a very basic thing. However, it can happen that your stack you overflow the stack but in the meantime you return from the functions so the Program stack pointer is within the boundaries again, so it went back and Then of course the first check will not give you an error even if the stack did overflow So if you see issue with this approach you can allow the option number two and the option number two is longer Takes more time during the task switch, but it takes The area at the bottom of the stack and checks its validity So there are four words with a pattern and this function will read it and compare it to the known pattern So if your stack overflow occurred Be this pattern will be corrupted so if you read it and It's corrupted, you know that your application most probably went through and came back So at this point you get again stick overflow with much bigger reliability So check for a stick overflow should be enabled with the option one or option two and Then it gives you the application stick overflow hook additionally, it Signals which task and the task name cost this stick overflow so if you utilize these two parameters you are able to print it and You know that this task needs to extend the stack size Or to optimize it at this point The stack overflow again should be or should somehow solve this situation so again, my suggestion is to lock such event including the task name and Restart or freeze the application because If you have got a stack overflow, you know that you have corrupted not only your own stack but a stack of some other task and If you let the scheduler jump to it It will be most probably destroyed so This way with the hooks you are perfectly able to react on a critical situations happening in your application in the Friartos environment So memory Maloch failed the stack overflow within the routines you You can react on low power mode with the idle hook and You can as well create very effective periodic functionality with the cheek hook Further, if you are interested in runtime behavior of the Friartos Apart from the debug environment, we saw already in Atolic that we can open some Friartos debug windows and when we break our application we can see the list of tasks and other objects queues, mutexes and The Atolic plugin is able to extract this data from the memory of the Friartos and the display it so you can see during debug how the tasks behave and This is a very useful thing for debugging on the other side who's interested in seeing this in runtime without debugger connected Are you interested in seeing how your tasks allocate the memory? How they switch how much time they spend inside and so on So it's a very nice application for a web server of your small device you can have one web page that shows all these tasks and You can check if the memory is at the limit How much is allocated in the heap how much stack is used for each single task in which order they are Executed whether they are suspended blocked and so on so the Friartos has support for this functionality and It can be collected by a function OS thread list this function calls a V task list and This one has or needs a pointer to the function that works like a print F so it gives you a formatted output text output and calls this printer function task by task and It formats the output and Then you can send it or store it anywhere you want But the prototype should look like a print F so You can implement your own method of storing or sending this data out Including it in a web page and so on To support this functionality you have to enable the trace facility macro and use stats formatting functions Be careful that the functions for start formal statistics formatting and needs to be added manually


tell us what you caught daddy caught two or three trout over 20 inches my lower got a big red fish mm-hmm sharp about that long I'm gonna say about how long about that long back they couldn't see that where were you at all right killed them today these are the ones I kept could have kept more than that nice and meaty some good trout so you did your good fish blade we like the bubble blade better than any others that we have bought and we have bought some nice ones but nothing beats the bubble I got me a little brush to brush them with you can throw this in the dishwasher when you're done so that it don't smell like fish or you can soak it in some bleach I got me a bowl to put my meat in a hose and some scissors just in case he brought in the red I didn't know if you had a red or not so with that said let's get started always have some paper towels near as well I'm gonna do the biggest one first because it'll be the easiest one to do I'm gonna lay these underneath here on my right you can show them what I'm doing down there this is our fish cleaning station that we got from Bass Pro Shop and we like it so your hose fits right here you can hook it into this right here but I choose to spray more and so this is how I use the hose Chris don't want to get right tell them what it is red what we call it a hammy's red fish on a jig and live shrimp public court that's a pretty good first fish of the day all right I'm gonna grab one of these big ones I start by doing a diagonal cut behind this gill you're gonna need a really good knife like I said so if you don't have a good knife it takes a lot longer then I usually start a head at the bottom just to get it started so I can grab if I need to then I go to the spine right near the fin and I go down the spine with my blade and then come on the side baby or just stay right there and then you're just gonna try to stay really close to the spine of the fish and you're just gonna keep slicing and don't use too much pressure it don't take a lot if you got a good knife you don't want to slice your finger out through the other side and slice your hand now the way that trout is meat is once you get down to their belly it starts you start to see this right in here and it starts to release to the where the stomach is and there's really not much meat right there anyway I did cut his bloodline which I try not to do and then you just run your knife up through there like that and you've got a nice filet now you can check for bones with your fingers if I ever have bones it's usually on this side you can see where those veins right there are they're usually right in there if there's a bone or two and I think I feel a few so you could just go underneath here I don't think there was one in there and slice it off if you need to you can see where I've done that over here on the table a few times once I get my filet I'm gonna go ahead and fillet this whole fish in that up and then I'm gonna show you how I take the skin off of a trout some people don't even take the skin off they just eat it I mean Chris like to take the skin off before I from once you hand and your knife gets a little slippery you got to be careful I always have a rag or I like to have paper towels nearby yeah I was hoping I would catch a flounder today because we like to eat flounder she likes to clean you can see where that fan is gotta get between the fan and the fish the meat she likes to clean flounder and trout because they're the easiest ones to clean and I don't like to do flounder unless they are fat yeah that can be skinny yeah I don't like for him to bring me the ones that just barely meet the criteria of keeping you're gonna bring me a flounder at least bring me a 14-incher and then it's not such a difficult task to try and get the meat off of him get more bang for your butt alright I'm throwing these in the bucket over here now what I'm gonna do is just show y'all how I rinse it off it's gonna have to move so you don't get wet now these are really slimy on the other side so they're hard to hang on to you got to be careful like I said when you're using a knife and you're letting it get slippery on the handle that's one reason I like this bubble blade is because they make it so that if you're it's got plenty of grooves and stuff in it so that it's a little safer the kind of fish up with all right we're gonna get out a couple of paper towels and it got me a bowl and what I do is I just take the end of the filet I hold it with my paper towel like that I take this knife and you can take the actual skin and rock it back and forth like this gonna be careful not to let it hit the ground and take the skin off the back that's all you gotta do pretty dog on sample any of these are fresh he just got them home and so they're not hard or anything yet and they're cleaning up really easy and there ain't no skin left on it and no meat left on that skin this is a bigger fish so I'm gonna take that out the redfish are completely different there's so much trouble I don't even like to clean them I'd rather eat a trout anyway pretty hope y'all have enjoyed how to clean a fish speckled sea trout speckled sea trout thanks for watching color valley cooks where we cook up mama dead


Hi my friends call me Lime and this is what you have to say about conflict. Twilight Prince says making a conflict about a conflict make things even more conflict than the conflict already is. But I mean if a conflict conflicts with a conflict then that conflict kind of conflict with the increase of conflict. Player Cake says I don't think you should have used the term conflict as it isn't necessarily the right word for what you're trying to say. What would make sense is to talk about creating an interesting narrative that viewers would be interested in seeing the resolution too. Conflict has too many meanings to use it so liberally in this way. What you're actually talking about is creating a story that has an element of challenge followed by resolution. Relating your idea to a video game is good to explain the concept but how does that translate to the kids that watch you and want to make better videos. I guarantee that some of them will think you mean they should start some twitter beef or fake actual conflict in their videos much like popular youtubers do already. So first of all thank you for understanding what I'm trying to say. Now when it comes to the choice of words every drama teacher and every scholar that has ever taught me the art of storytelling and dramaturgy they they use the word conflict for what both you and I are talking about and they do that for a reason because that is the correct term for it. In words of narrative conflict is the challenge there's the challenge main characters need to solve to achieve their goals. In this video conflict is used in the context of storytelling. It is a continuation of an earlier video about forward motion. I do not take responsibility if someone decides to take what I say out of context like that no more than a drama teacher would take responsibility if one of their students decided to go out and create drama with other people after attending the drama class because I mean that's obviously far from what is being taught in that class. So I don't know I'm not worried that people would use what I say to go out and pick fights with people. Smart Facts UK says let's have a fight. Master added says worst video ever remove this video just joking I was trying to conflict. Nightjark says I'll just be like okay you're not helping my case here but okay seriously they're obviously kidding and I mean if it wasn't clear what I meant before at least I hope that it's clear now. Arthur Morehead says what was the heck this about a waste of five minutes you guys trying to lose subscribers so conflict in this context is something that most movies plays and even games depend on for their success. Conflict such as a power struggle between a hero or protagonist and villain or antagonist is arguably the most important element in fiction because without conflict there is no movement and no narrative drive a lack of conflict in stories is a common error among beginning writers. This type of conflict is what drives each and every story without it the story would have no point or purpose and therefore I wanted to pass that along to other youtubers because I mean the whole point of this series is to bring the art of storytelling rhetoric and even acting to youtubers in order to inspire them to create even better videos.  So that is it for this video thank you so much for watching. Bye.


Live from San Jose, California, in the heart of Silicon Valley, it's theCUBE, covering QuickBooks Connect 2016. Now, here are your hosts, Jeff Frick and John Wall. Welcome back to QuickBooks Connect 2016 here, live in San Jose on theCUBE, watching theCUBE here, the flagship broadcast on SiliconANGLE TV, where we extract the signal from the noise, and along with Jeff Frick, I'm John Walls. Thanks for joining us here as we live stream. We're joined up by Karen Peacock, who is the SVP and the small business segment leader at Intuit, and small business Karen. You know, it's what the show's all about, right? It's all about bringing together 5,000 people from that burgeoning ecosystem. Yep, we seem to be growing each year. It's really exciting. It is exciting, and nice to be a part of it. So we're very happy to be a part of that. Tell me first off about the show from your perspective now, because it is growing. You've made a huge jump at attendees, programming's great, keynotes are great. Good. So it's all good. Glad you're having fun. So this show is all about helping small businesses be successful and connect, and connect with other small business owners, connect with accountants. Accountants connect with each other. Developers, so Intuit has a whole platform, and this is all about connecting together developers and accountants in small businesses to help each other thrive, because we truly believe we're better and stronger together. You know, one thing that I found interesting yesterday in the keynotes, a number of products were announced, new services, a lot of news. But kind of the range of partners with whom you're linking. So it was about Google Calendar, it was about Apple Pay, American Express, which is what I want to get to with you. But it really struck me about these really key partnerships that you're developing that really leverage this great power to the smallest of businesses, and afford them the same opportunities as the largest enterprise. That's exactly the idea. And with today's technology, that's possible in ways that it never was. 10 years ago, you could never imagine the kind of seamless integration that we can do today, where for example, you can go into QuickBooks and see any of the, you know, 10 different types of financing options offered from anyone from Funbox to On Deck to American Express to numerous others out there. So to have the ability to combine together solutions, not just that we build, but that are powered by everyone in this building and in the world to build on a platform, just extends the power and it helps us really help small businesses much more. So those are all a lot of great big words. But at the end of the day, big thing for small business, cash. Cash flow. Let's talk about money. How much money's in the register? Because I got money coming in and money going out. And really that's a huge part of, again, all the partnerships and solutions that you just outlined delivered, the best of, et cetera, is to help the small business get money faster, hold on to money faster and enable them to grow, which oftentimes is the biggest strain on cash flow of anything. Even more than failure, probably growth is a bigger strain on cash flow. And cash flow is one of the single biggest problems that a small business owner faces.   And we think that is just way too long. And so we've been working on driving innovations around helping small businesses get paid faster. And as of today, small businesses who use QuickBooks Online get paid twice as fast as others, which is a huge leap forward, getting paid two weeks faster, but we think we can do even better. And what we're finding is that small businesses who use our QuickBooks Online invoicing with electronic payments, 25% of them are getting paid the very same day. So the difference between getting paid a month later to the same day is tremendous. And there's more that we're doing here too, because for many small businesses, it's getting paid as a black box. And when your life and the health of your business depends on a black box, that's just not a happy place to be. And so what we have done, what we've just launched in the past week is a new capability called the smart invoice. And what the smart invoice is, is as a small business owner, you can send your customer an invoice. And then you can actually see when a customer viewed that invoice. So when you normally send kind of a paper invoice, there'll always be the question of do you get lost in the mail, or I'm sorry, I didn't see your invoice. Now there's no more question. I can see you viewed it. I can see you viewed it most recently two days ago. You can see when it's gotten paid, even before it hits your bank account, so you know a couple of days beforehand that it's in transit and you're going to get the money. So it gives you visibility into where your cash is at every step of the way. And we also make it easy to send reminders. So one click to send a reminder, automated reminders, that's often one of the most painful parts of a job for a small business owner is to harass their clients to pay them. And so we make that either an automated or a one click process for you to help ease that and help you get paid faster. It's so funny, just the consumerization of IT is a trend that happens over and over. And people know when somebody looked at their Snapchat, right, so I know when somebody opened the invoice. That's exactly what it is. The other theme, I'm reminded, there was an old early days e-commerce commercial. I don't know if you remember where they were sitting around their laptop and they just launched their new store and they get an order. And then an order. And then five orders. And then now they're happy. And then a thousand orders. And then 500,000 orders. And then 2 million orders. And now they're not so happy anymore.  So it begs that never-ending question financing. And traditionally small business, here's Silicon Valley, you've got a business plan and some connections. You can go get a couple million dollars on Sandhill Road. But if you've got a business that's been running for years and you get a big purchase order, it's hard to go down and get that money. You're not going to get on Sandhill. So you guys are really addressing that problem as well. Yes, absolutely. So financing is a huge pain for most small businesses. And in fact, what we found is that a typical small business owner, when they're applying for a small business loan, it takes them 33 hours to get through the application process. That's a lot of time. And once they get through that application process, most of them, over 60%, get declined. So that is a terrible trade-off. 33 hours to probably hit a brick wall is not where we want to be. And so what we've done is we've flipped that on its head and we've made the application process rather than 33 hours, a few clicks. And we've made the approval rates rather than most of the time getting declined. We've been able to, for our QuickBooks financing platform, make it such that the majority of our customers get approved. So we've got about 70% approval rates through our QuickBooks financing platform, which is awesome. And is that because, as a lender, I mean, do you have access then to look at accounting for that particular company and find out how solvent are they, basically how solid of a bet they are? That's exactly right. And so you always talk about, hear about the power of big data and what does that actually mean? And for a small business owner, what's the benefit for me? This is one of the pieces of benefit for you of data. And so what we do with our partners is, if a customer wants to apply for a loan, then they share the information that they want to share with the lender. And as a part of that, the lender gets to go through and see the information in QuickBooks that the small business has chosen to share and make the informed decision that way. So that's what lets us get to the much higher approval rates and done in a way that's completely seamless for the customer. That is so interesting because, you know, Jim, which is what I'm talking about before, and you have desktop application, all the data sitting underneath your, at least the coffin, I think, underneath your desk. Locked in there. Locked in there, but now, given choice, you can expose that to your potential lender rather than printing a bunch of stuff out and organizing your thoughts and running down to the bank and giving the guy the paper, he's got to go through it again. So you did, you completely flipped it up on its head. Absolutely, and in fact, one of the things that we've just announced is an extension to our partnership with American Express, where we are the exclusive partner for a new financing offering called American Express Working Capital. And the way this works is for small business owners who use QuickBooks online and who are American Express open customers, there are over 200,000 customers who are of both. They will have the ability to finance bills. So for example, if you, for example, get a huge order and you need to buy a bunch of inventory in advance before you get the money or you're stocking up for the holiday season, you can go ahead and make that purchase, finance it by getting a loan through American Express Working Capital and then pay it back, whether it's 30, 60 or 90 days. The two things that I love about this product are, number two, how easy it is. So it's just clicks to walk through that process versus your 33 hours. And that's very similar across most of our products in the QuickBooks financing platform. My number one favorite thing about this new product is the interest rate. It is an amazing interest rate. It's one half of 1% per month. So to put that in perspective, if you were to borrow $1,000 for one month, it would cost you just $5. And so the annual interest rate there comes out to be around 7%, 8% annually. And that is an incredible type of interest rate to get for a small business loan because you've probably seen loans out there. They can be as high as 100% annually or even more. So great deal, both easy, seamlessly integrated into QuickBooks and a good rate. So, good. Well, I'll say you've spent a lot of time now so you're making, you're saving money, you're making capital more accessible. What can you do for me to give me hours in my day? Yes, what I wouldn't give for another 10 hours a day. Absolutely. It just had one more hour or maybe five more hours a week. You know, if I didn't need to sleep, I could do so much more. So much more productive. That's right. But what can you do? What are you doing to give me a little time back? Yes, absolutely. So a couple of different things. First of all, we have completely overhauled the whole first use experience for QuickBooks. So when you are a new user going into QuickBooks, you will get a completely new experience as of last week and going forward, where we streamline basically your first experiences to get you as fast as possible to the benefit of how's my business doing. So you answer a few basic questions like your name, your email address, your type of business. You connect your bank account. You help us with a couple of categorizations of some of your money so we learn more about you. We do the rest of the categorization behind the scenes for you and give you a view instantly into your P&L or your profit and loss and how you're doing. So. Like a report card or school or some kind of a school. It's literally your income and expenses and the breakdown of are you making money? Yes or no? Here's how much and here's kind of where you're spending and here's where you're earning. Which is incredible to get that kind of value in just two or three minutes. And so look for us to keep doing more and more to make that first use experience better and better and speed up what we call the time to benefit because we are all very busy people. Let me give you two other examples. So that's great if you're a new user to get that first benefit. Another one is we have a lot of customers who use Google Calendar. Do you guys use Google Calendar at all? Absolutely. Yeah and in fact 56% of QuickBooks customers use Google Calendar. And if you're using that and you're somebody who bills for your time what you typically do is you're going into Google Calendar you're creating your appointments and then when it's time for invoicing which is often like nine, 10 o'clock at night.  Not enough. Yeah exactly not enough.  So rather than having to go in and manually create those invoices and go back and forth which can just be not only time consuming but also very drudgerous. Not something you want to be spending your time on. Now with just one click you can bring all that information from Google Calendar over. It syncs it's two way synchronization with your client list. And so you can synchronize that. It syncs with your billing codes. So for example if you know if we're in this conversation you're like oh good Lord this is a really rough one. You can charge me a little bit extra for that and you can just do that straight in Google Calendar and it will pull itself into QuickBooks invoicing with just one click you review it and then send it out. So incredible time saver where you most need it at the end of the day. Which is back to getting that money in the cash register. I'm not sure Jeff but I think Karen just said drudgery, John and Jeff, not worth the time. Somehow I don't know if we came out slow on that. Never, never this was good. Long as it puts money in the cash register John. Enjoy that and congratulations on the show. Thank you. Lots of new products. I wanted to mention just on saving time is we are very focused on mobile first and not just as in hey I can do a few things on my phone but such that you should be able to do everything on your phone and actually more on your phone than on your laptop because on your phone you have the ability to do all sorts of location specific things of tracking where you are and taking pictures and snapping receipts and all sorts of things like that. And so we have been investing heavily in mobile and so what you see here is the ability for example to create invoices from your mobile phone. So you're out with your client.  You can kind of work through if there are anything that need to be changed rather than going back and again nine o'clock at night typing up the invoices. Now you're doing it right on your phone whenever you have free time. So so much more that's possible there. I know you guys probably live on your phone. I certainly do and I just expect that to continue. I need to move just away from him actually. Yes, exactly. Closing all the time. I thought he was like texting during this but. Jim McGinnis selfies, Jim McGinnis selfies. There you go. I think in general, it's simplicity in what you've done. And it's certainly I think it's embodied in everything you do. You make things simple.  And free up the people to do what they got in business to do which is the passion of their business not the accounting and paperwork and billing and all these other things. That's exactly right. Karen, thanks for being with us. Thank you so much. We appreciate the time. Great to see you always. Great insights. Thanks for having us back. Back with more from San Jose Connect 2016. See you in a bit on theCUBE.