You guys welcome back to another one. If you are new to the channel, I am Gold Pony, I'll do new car truck SUV reviews on YouTube. And today we are in the new 2022 Volvo XC60 courtesy of younger Volvo and Hagerstown, Maryland for more information on their inventory. Please feel free to check out the link in the description box below. And so I am in this one today because there's actually several changes for the 2022 Volvo XC60. Also incredible seat design. And I'll of course go over more on the seats a little bit later in this video, but these seats are unlike any other seats that I've ever tested. So I'm definitely a big fan of them so far. IHS top safety pick plus, which is the very highest rating by IHS. No surprise there, it is a Volvo after all. So ultimately in this video, I will be testing out and going over everything about this one from acceleration to braking, steering for ride quality, sound system, exhaust clip, all of that fun stuff. So having said all of that, what do you guys say? Let's just go ahead and jump right into it. And as always, let's start with the pricing. And so specifically for the B5 momentum that we are in today, front wheel drive starts at $42,650. All wheel drive that we have today starts at $44,950. But regardless of what's two of those configurations that you go with, the power plant on this one is going to be the same. Powering the B5 momentum is a two liter turbocharged inline four cylinder with a 48 volt mild hybrid battery system as well, producing a combined 260 horsepower at 5,500 RPM, 258 pound feet of torque coming in at 4,800 RPM. Power sensor front wheels are all wheels through an eight speed automatic zero to 60 time coming in at approximately 6.4 seconds. You guys know we will be testing that out in a little bit here, but MPG numbers coming in at 23 in the city, 30 on the highway for the front wheel drive, 22 city, 28 then on the highway for the all wheel drive. But so now that we have gotten all of that out of the way, what do you guys say? Let's go ahead and find a straightaway. Let's put the XC60 here to the test and let's see how quickly we can get a new 2022 XC60 here up to speed. All right you guys and here we go. That's not bad. I'm digging it. And there was instant acceleration there, probably due in part because of the mild hybrid battery system that we have in this one. But yeah, that's plenty of an acceleration, certainly not gonna have any issues in marching onto the highway. It's nothing crazy. They'll get me wrong, but it's plenty for what this vehicle is. I'll put it that way. But to go along with that acceleration as always breaking is equally important.  As far as that 60 to zero stopping distance goes, this is an incredibly safe vehicle after all. It's gonna come in at 118 feet. And so I put it that way because 118 feet from 60, you guys is sports sedan good. That is a very quick stopping distance without a doubt. So definitely not gonna have any issues with bringing this one to a stop. Braking feel, having said that, it's a little bit on the softer side, but still that number speaks for itself. That is an incredible stopping distance from 60. But anyways, that touching on suspension and handling up front, you're gonna get a double wishbone type front suspension in the back, into girl link rear suspension. As far as ride quality goes, one of the first things I noticed, ride quality is 100% on point. This is an incredibly smooth ride here in the XC60 without a doubt and definitely enough to put the kids to sleep in the back when you're taking the long road trip to Ocean City, Maryland. As far as steering feel goes, I would say it's just right for what the XC60 is. It's definitely not a heavy steering feel, but it's not really a loose steering feel either. It's kind of right where it should be when you're talking about an SUV like the XC60. So I've had no issues there either. As far as cabin noise goes, I'm currently going 55 miles per hour, so you guys can kind of tell for yourself there isn't a whole lot of exterior wind noise or road noise coming into the cabin. So that is certainly on point as well. And touching on visibility, it is excellent. Quite honestly, I can see perfectly fine out the back. So definitely not gonna have any issues with visibility and to go along with that, rain sensing windshield wipers are going to come standard and there is a head up display that is available with the advanced package. It goes for $2,500, by the way, and it gives you a bunch of other things, but we do have that package, by the way. So I am currently looking at the speed I am currently going as well as the speed limit and it's actually gonna project some safety features up on your windshield then as well. So it's kind of one of those things that better helps keep your eyes on the road. So assisting with visibility yet again, but that about rounds out the performance segment of this review guys. Let's now go ahead and take a look at the exterior of our brand new 2022 Volvo XC60. All right. So here she is you guys, the new 2022 Volvo XC60 finished in silver dawn. In case anybody was curious of our exterior color name, but let's go ahead and start up front on the XC60 here because there actually is a slightly revised front end including a slightly revised front grill. So you guys may or may not be able to tell. Reworked front bumper for the 2022 model year as well. Definitely looks very good in my personal opinion. LED headlights with LED Thor's hammer daytime running lights as expected coming standard on this one. Automatic feature coming with those headlights, meaning those headlights will turn on automatically for you when it starts to get dark out. But not only that, you also get automatic high beams coming standard. So when you flip on your high beams, if it sends a vehicle coming in the opposite direction it's gonna automatically then dim them back to low beams. Now when that vehicle is gone, it's gonna automatically put it back up to high beams for you. So it's just one less thing you gotta worry about. So you gotta love that. And overall, like I said, a very good looking front end to the XC60 by the pretty much rounds out the front. Let's not go ahead and make our way to the side of this one. All right, so now since we are around to the side of this one, black roof rails do come standard. Chrome windows surrounds also coming standard on this one. Taking a look at the side mirrors, they are body colored power adjustable side mirrors. They will come with LED integrated turd signals and they will come heated actually as well. Gotta love that. Upgraded wheel designs for 2022. There's several of them by the way, but the standard configuration for the wheels is gonna be 18 inch five spoke alloys. We don't have them today. We actually have one of the 19 inch designs that are available, but they do have 19 inch, 20 inch and 22 inch wheel designs that are optional. If you wanted to spec that out on all those websites. So I did wanna mention that and actually there's running boards available for the XC60 as well. I guess for $1,250, definitely don't need them with this thing. I certainly didn't need them, but they are available if you wanted to go that route. But they're pretty much rounds out the side of this one. Now go ahead and make our way to the back of the XC60. All right, so starting all the way to the top there, body color shark fin antenna. Just below that rear spoiler with an integrated brake light. Just below that rear window wiper. You do have the Volvo lettering of course spelled out horizontally. Definitely looks good there. LED tail lights as expected, do come standard as well. Trim level badging found on the right side on the lift gate there. And by the way, T5 was last year's model. B5 is going to be the 2022 model year. So don't wanna mention that as one of the changes. I didn't mention it at the beginning, but you guys may have already noticed if you're familiar with Volvo, the T5 is gone because got the mild hybrid system now for 2022, so they renamed it as B5. So, can't say anybody was curious about that, but I love that everything is body colored on the back end here, because a lot of other manufacturers will leave at least the bottom portion of that rear bumper in matte finish. So I do love that it's body colored, but underneath of it all, there actually are dual exhaust outlets. Of course they are tucked away though, but having said that, I do believe you guys know what we have to do next. As always, here is that exhaust clip. All right, so now since we are around to the back of the XC60, when it comes to opening that rear tailgate, it is a hands-free power tailgate that does come standard. So like I said, it is hands-free, meaning all you need to do is simply walk up to the back of it and kick your left foot underneath the bottom of that rear bumper and it's gonna automatically open up for you. There actually is a button on the key fob on the side of the key fob, I should say, and also by the driver's side left knee then as well. But once it opened up, cargo capacity comes in at 17.8 cubic feet behind that second row at least, if that was not enough space. Of course that second row does fall down, bumping that then up to 63.6 cubic feet. There is some cargo lighting back there. There are grocery bag hooks, there are tie-down anchors, there is a 12-volt power outlet. There's a little bit of netted storage found on the left side as well.  And you can probably store like an ice scraper to the left or the right of that if you wanted to. So there was a little extra space there as well. But instead of making our way up to the rear leg room, that is going to come in at an even 38 inches. So for reference, I'm in even six feet tall. This is how much space I have back there. There is rear ventilation for those rear passengers. It's actually not found where you would think. It's found on kind of towards the door handles in the back there, so a little bit different setup there. But anyways, rear center armrests with cup holders do come standard. There are dual phone charging ports back there as well. A little bit of storage just above that.  It goes for $750 and we do have that with us here today. So it's always nice to spoil the rear passengers a little bit, but pretty much rounds out the back. Let's now go ahead and make our way to the front seats. Leather seating is gonna be optional. That goes for $1400 if you wanted to go that route. But I gotta tell you what, we don't have leather seating and these are some of my favorite seats I've experienced in quite a while. This is a weave textile fabric and it's gonna be available in either a black or blonde color. It's actually made of 30% authentic wool and 70% recycled polyester. So it's a very green seating blend, so to speak. And I absolutely love it. Not only that, I love the design to it. I like that it's not just a regular matte color. Like that there's a little bit of a blend to it. That's a pretty cool setup there. Power adjustable seats of course do come standard. Heated front seats also coming standard. It definitely heated up quite nicely here in this 30 degree day in Hagerstown. But overall seating was definitely plenty comfortable. I had no issues with that. Then take a look at the steering wheel. It is tilt and telescoping. It is leather wrapped and also it is heated. And you gotta love that because I had it on the whole day today. It was definitely nice. But anyways, then make your way to the startup. Let me start by showing you guys the key here. You do have your Volvo logo on the one side. Nothing on the other side because essentially all of your buttons are located on the side of the key being lock, unlock and that button to pop the rear tailgate. So it is all keyless entry though with a turn knob start. So all I'm going to do here is simply put my front of the brake and turn that knob to the right to start it.  So just want to let you know. But anyways, once started up 12.3 inch digital gauge cluster does come standard. And this thing is absolutely amazing. And it's more customizable too than a lot of the other Volvos that are currently out which I absolutely love to control that. There are some steering wheel mounted controls found on the right side. So if you want to play around with that there's a couple of different configurations. There's your standard gauge cluster. It gives you speedometer on the left tachometer is on your right. Then if you play around with it a little bit more you can actually choose to display a full navigation system front and center within those gauges. And the best part about that navigation system is that Volvo is powered by Google. I don't know if you guys know that or not but many manufacturers use a plethora of different companies but Google has teamed up with Volvo so you got Google Maps is what I was getting at there within the gauges. And also of course on the infotainment screen if you wouldn't display it there as well. But we'll get more into that in a second but I love this gauge cluster and probably my favorite I've seen in a Volvo so far. So well done Volvo for that. But anyways, let's now go ahead and make our way to overall interior quality. Panoramic sunroof does come standard. That goes all the way to the back. The best part about that panoramic sunroof is the way that you open it. So if you want it to tilt you actually press in as you would expect on that button on the ceiling here. But if you want it to open and close you swipe your finger back to open and swipe it back towards the front of the vehicle to close it. It makes a lot of sense. And it's something that I figured out very quickly because that's how it would make sense to me that it would work and it does work that way. So I don't know. I thought that was pretty cool. It was unlike any other way to open a panoramic roof that I've ever seen before. I'll put it that way. But homelink controls are gonna come with the advanced package that comes with the frameless rear of your mirror as well. And that's for up to three different garage doors. Wireless phone charger is going to be located just to the right of the shifter. Just behind that you have dual cupholders. Within the center armrest there is a relatively small amount of storage but it is there nonetheless. And there's actually a couple phone charging ports within that then as well. Lecture mechanical parking brake as well. But overall interior quality is perfectly fine. I loved that they continued the design of the seats onto the doors as well. I think that looks dang cool. And overall it's a very minimalist design. You guys could probably see in front of the shifter there's maybe one, two, three, four, five, six buttons. Seven buttons I guess if you control if you count that one big button underneath the infotainment screen. But like I said, very minimalist design and I personally like it. But now let's go ahead and take a look at the infotainment screen. It is a nine inch color touch screen display. Bluetooth and audio streaming coming standard with that. Android Auto, Apple CarPlay as well. Of course you do have navigation up there. Again, it is powered by Google Maps. Everything is powered by Google. So actually give you guys an example. You can actually say something like, hey Google, turn on the radio. Sure, here you go. And it's going to turn on the radio for you. And I don't want to get a copyright strike so I'm going to go ahead and turn that down. But essentially you can say, hey Google anything and it's going to do it for you. So you see what I'm talking about is trying to do it again. I'll help in any way I can. What can I do for you? You can also check out your driving statistics up there if you wanted to. You can check out your climate control settings including your heated seat buttons as well as your heated steering wheel all the way to the bottom then as well. And of course you got your radio information. And by the way, when it comes to the sound systems, the standard high-performance sound system is going to be the regular configuration here. But there is an optional 14 speaker Harman Kardon sound system that goes for $800 that comes with 600 watts. We don't have that today. We do have the standard high-performance sound system is how they label it as. So what do you guys say? Let's go ahead and turn on the radio see what we got playing today. And let's test out the clarity of this one. It's actually really good. I can see why they can call that a high-performance sound system. There was plenty of clarity, plenty of bass. Actually, that was a really good sound system. I don't know how many speakers because they didn't list it on the website but it was a really good sound system if I'm being honest. But last thing I want to mention to you guys on that infotainment screen at least is when you do put the XC60 in reverse you will find a very, very, very high-definition rear view camera. Fortunately only takes up the bottom portion of the screen as opposed to the whole screen. I would have liked that better, but still. It's extremely high quality and not only that you do get a 306 degree monitor then if you were to go with the advanced package as well but as always that is going to lead us into safety. And so to start, like I said in the beginning the XC60 is an IIHS top safety pick plus which pretty much says it all right there. Front side, side curtain airbags do come standard the driver's knee airbag then as well. In the back you're going to have latch AKA lower anchors to tethers to children for the rear car seats, rear child door locks, tire pressure monitoring system but also coming standard on the XC60 will be a blind spot monitoring system with rear cross traffic alert, autonomous emergency braking, collision avoidance assist with pedestrian, cyclist and moose detection. Really they said large animal on the website but you know Volvo and moose it kind of goes together after all driver attention monitoring system, lane departure warning, lane keep assist, rear parking sensors and runoff road protection and runoff road mitigation then as well. And so overall when it comes to my final thoughts of the XC60, I love the seats on this thing in case I haven't said it in this video already. I know I have. I love the design to them and I love the fabric that is used. These aren't your regular cloth seats. These are so much better so gotta love that. You gotta love the safety in all Volvos as well. It doesn't get any safer than the XC60 quite honestly. Very stylish exterior and interior of course as well. The only constructive criticism I can take of with the XC60 is if you look at a consumer reports magazine Volvo has kind of hit and miss in terms of reliability and I think the XC60 if I remember correctly was one of the misses. Not 100% so go ahead and check out consumer reports if you wanted to verify that but that's the only thing I got other than that. I'm a really big fan of the XC60 but let me know what you guys think of this thing in the comment section below. That is about it for this one you guys. Thank you so much for watching. Feel free to follow me on social media at the bottom of the screen if you wanna see what's coming next on the channel before it actually gets to YouTube. Be sure to hit the subscribe and the bell notification button if you're into new car reviews. That is what we do here on this channel after all. Do appreciate you guys watching more than you know when I will see you guys all in the next video. Stay cool.


Welcome to the options beginner series once again and in this course We are going to look at long puts long puts means we're going to buy put options And we're going to use fxc the euro ETF for this example although we've seen a Couple of smaller examples. We are going to look at the put option just like we did in the first two courses on buying a call option as well as selling a call option and what we're going to do is Identify a candidate a suitable candidate for the put option Then we're going to try to create a trade rationale We look at charts. We look at the analysis and see what the charts are telling us and then Once we know what we want to do then our decisions are based upon The choice of expiry series The choice of moniness and then we'll also look at margin requirements the Greeks and the profit and loss and stuff like that so This course is on a put option and the candidate that I've selected is the F X E The F X E is the euro ETF so the F X E in general will mirror the US dollar euro Spot-trading rates. So here we see that the euro is currently trading at about 131 Dollars and 93 cents. So this is the F X E and If you look at a one-year chart of the F X E We can see that it hit a high last year last year in May of about a hundred and forty eight and Since then the euro has been on a downtrend whenever you see a chart from the top left to the bottom right, you know, that's a clear downtrend and Yesterday Spain got downgraded to notches. So the euro problems are still very persistent and they might have some near-term fixes and Some quantitative easing programs just like we do in the in the US. These are all temporary Band-aids and the euro is On a long-term decline against the US dollar and you can see that in this one in this one-year chart Now also, if you if you notice the last few days the euro has been going up So it was at at at the 130 level about two weeks ago And then since then it's just been steadily moving up So that why I'm choosing this as a candidate for my put option is if I can see the previous three to four months It goes up. It comes down. It goes up. It comes down. It goes up. It comes down And it's just finished. It's two week up move here. I expected to come down to about 130 I think we can make a quick profit if it does that and so I want to buy a put option So I want to capitalize on the move downward in the euro


Hey, sorry, we're back. It's Chris jasses case breaks calm We have one more important business matter to attend to we're gonna switch screens real quick and give away this wax party spot My bad everyone Let's get to it our fresh list once again Adam down to Chris There's our list from here as well show it off like this Adam down to Chris. Sorry y'all Let's roll the dice randomize and give away that big wax party spot two and six eight times on the lists Thanks again everyone. Sorry again and good luck one two three four five six seven and Eight eighth and final time top spot only so two to thirty sad times But got one more chance like I said court Kings half case break eight box number two PYT style on the site right now So Scott got a couple Josh Adam Adam Justin she how and D y at to the outside looking at two down to thirty here sad times Thanks for trying though. We got a few more shots by another hundred or so But top spot getting into this wax party spot is D. Y. Who is on the outside looking in at two But grabs the top spot as well Let's grab you. Let's put you right here We'll call this twenty two twenty three Court Kings NBA nice D. Y. Congrats. Thanks again everyone for getting in now We're good to go more basketball on the site jasses case breaks calm. Bye. Bye


The Tiger. Financial News Network. Update. Welcome folks, we have the Dow Industrial Straighten down 129, NASDAQ is up 107, SAP is up 9.5. Gold, Gold contract down $3.90 straight into 2039 notes. We have Silver down 21 cents, $25.68 an ounce, LightSuite Crew down $1.13. $72.59 a barrel, notes and balls. Ten note, up 23 ticks, trade in 115.29, the 30 are up a full point at 130.22 and King Dollar, King Dollar down 124 ticks, trade in 101.480, the Euro is at 109, the Enns at 134 and the British Pounds at 126 to 1 US Dollar. Can you take a look at the S&P folks, bottom line, just sideways move out here today. Inside the S&P, if you're trading it intraday, it was a dynamite day, because we do have a wide price spread out here in a monster way. We went down from a 41.73 to 41.12, like in Hartby, bottom line back up to 41.42, so the volatility is there in space. Now, the NDX is tricky, because the NDX folks is actually going over highs with volume, so you have divergence here. That volume pickup and the queues is big. We're already 48 million, bottom line, you're going after 53, 51, you're going to do that in a heartbeat. That's saying this wants higher price, so we're back to that level that we do have divergence and the NDX 100 wants higher price and is still trading with the dollar. If you take a look at the dollar, you're going to see all day long here, lower dollar, bottom line, market gets breath. Higher dollar, it basically takes it away. We get down to a price point today of 101.215, and that's when the market went south from highs to lows. Bottom line, you get a counter trend bounce and market basically goes back higher. If you take a look at this, now, looking at this dollar, it's been here a long period of time, but what is happening is that this is subtle, but you're getting higher lows. I suspect that the dollar still wants to get up to this 106 mark, and if that's what we're getting, that's going to have a hard time for the market, because the market cannot stand a higher dollar. As the dollar goes higher, when we opened this one, the dollar was at its lowest. That's when the S&P was up 30 points. As the dollar started climbing up, S&P went negative. As the dollar started giving it up, it goes positive.


What is going on guys, welcome back to the channel and I appreciate you being here. It's finally returned to me hands people. I've waited for so long for this to come to Destiny 2. No one at Auto Rifle was a beast now in PvP. Things like the origin story, the positive outlook, the heroes' gift, which I don't have on me. They all own in PvP. I mean I can't quite keep up with the vigilance wing, the Graviton Lance and things like that. But the Su-Shui-G was up there. You remember the other days at Destiny 1, this was the go-to PvP weapon. It was so good they nerfed it and just broke Auto Rifle from there on out.  But yes, so we're going to try it out in PvP right now and see how good it is people. Now, a few people kind of get it taking the wrong message from these videos.   But still, I mean a lot of you guys understand I'm just joking. But so many people seem to be taking it the wrong way. I just don't get it. You're not watching my videos to see me do amazing in PvP either.  Come on people, you know this.  Actually it could end up being the best weapon in the game. Just depends. Just depends. People, we will see people let's get into it. Also guys because I've been searching for guardians for about 10 minutes now, if you do enjoy the video and want to see more, let me know down below in the comment section. Also if you want to support me in the channel, do hit that like button or do I appreciate that support. I really do people. Seven of eight. We have. Let's see what we're going to use. We'll start off with this and then we'll speed it up. We're spinning up. If things don't go down too well, so let's go deeper. Let's see if this is still that beast I remember. I'm not sure about this slow fire one. Don't think. I think we're going to have to spin up on these people. Is that something going up my TV? Yeah. Sorry about the echo people. Someone stole a kill, that's fine. Probably actually staying alive. Let's try it with spinning up. Let's try it with spinning up. Unlucky mate. Unlucky mate. It seems all right, close range. It seems all right, close. It does kill quick people. It kills quick people. Is it up there with Vigilance or Graviton? I don't think it is, but people, it's okay. It's okay. Do you know what auto rifle I really miss people? Shadow price. Remember that? Oh, I'm just going to get shot from behind as per usual. You've got a chance at close range against this with a pulse. I just got some insane accuracy. Oh, this thing is a beast and it gets to the bottom of the cliff.   Do you like this weapon? I do like this. I do it. Quick, it kills people. Obviously. And he's shot from everyone just to get me. Hopefully people, I will see you on that next.


So, we're going to return to, there are, just on that, air traffic control, so there have been proposals from a consortium to sort of proposal from Remount and Holler, from a lot like a co-op, and efficiency from our office, and I asked Luke to draft it, but before we go on with that, I thought it would be helpful for us to kind of offer me sort of without, taking recommendation just so that we can have it drafted and then we have formal correct language to look at. But we had that decision point document that we were going through last week and we stopped. I thought it would be helpful to pick up where we left off before we start looking at even more of it. So, I don't know, everyone has this document. Who is this? Is he the senior president? I'm sorry, I apologize, I didn't get that out because I wanted to truly run out of time. Otherwise, how do you think it's going to be? I think it's going to be easier for you to just basically run out of time. No, I think he, I know he had it last. Is this one with that caption or is that? Sometimes it is. Yeah, okay. He's actually right here, so he's all set, can't see. There's this caption on it. No, it's the one that has the detail, it's going to need to block attacks. Oh, great. I usually take these things home and work on them. I think that's what happened because it's not in your folder. Yeah. Then I leave one at the house. Yeah, I would just love a new copy. Thank you, thanks. That's correct, yep, I think that's what he was looking for. Excuse me, I... Do you want to, can you get it off? Do you need to make other notes on it? He doesn't have any, he just... That's fine. Thank you very much. Can you get by, okay? Excuse me. So I think we had finished page one, we wanted to page two and then... If I may, Mr. Chair? Yes, please. I think there's new language from some of the stakeholders that... Can we open page one? I don't know how you want to deal with that or go back, keep blazing forward or... One file on and then... Okay. So my file could work through the layers. All right. I think we're going to have to excuse the relation line, $48. Thank you. Elaine Robert. The line that is, it's probably over there. And where are we at, please? I think, well, just, let's start at the top of page two. Do you want to refresh everyone's recollection? Well I thought we were maybe as far as starting to look at the list of factors. Could you refresh my recollection, then? I think the first one was, you know, does the committee want the PUC to open or continue a proceeding concerning creation of all fuels? Was there a question? Was there an answer as to that? Starting point question or was it just discussion? Well, so everyone's right through the... Thank you very much. You're welcome. So let's just jump down to the questions. What do you do for... Okay, so I do know now where I have mine. I'm at page two. Yes? Yes, this is where we're exactly where we left up. Question one. Yes. Thank you. So... We worked well last week. Yeah. But I have a dialogue. Sure. We'll go through the questions, then we'll... Sure. So the first question was, and if you don't mind, Mr. Chair, can I just briefly go through all four, because some of them relate, but then we can go back to one. Sure. So does the committee want the PUC to open this proceeding to consider the potential creation of all fuels efficiency utility? If no, you're done. If yes, should it be one? More than one? Should it be a new entity or existing entity? And there was testimony from some stakeholders that they would prefer it to be phrased in terms of the existing efficiency utilities. What are the factors to consider? We listed ABCDE here, based on the sponsor of this proposed language, but do you want to change those? And then there were suggestions about, do you incorporate tier three under the RES requirements? And the final vote point was just from a submission from Burlington Electric. I don't know if it's still relevant or not. I think that's a very good question, though, because my view is they would have to come back with direct... If they propose that all fuels efficiency utility be established, or the jurisdiction of current ones be expanded to include all fuels, I think they would have to come back to the legislature and ask for enabling legislation to achieve that. I don't think they could just do it on their own. Maybe other parties disagree with that, but that's my interpretation. I don't think they could establish on all fuels efficiency utility on their own. So, sure. Maybe we would ask them to come back on the 15th next year on what they should have in such a document for us to tell them to go ahead and do it. Okay. Well, we have them coming back to provide an update and preliminary findings and recommendations. So I'll share your... So they haven't had a contract to do that? Or should they just... Well, so we're calling it a procedure. A little less formal. Getting pulled over to get it docked or speeding tickets. Okay. So, but I think the main point, other than having the label applied to whatever kind of procedure it is, correct? So we... Well, I'm satisfied with the work. Right. We'll come to the right conclusion on that. No one goes ahead to do anything without coming back with a rather critical thing to point out. Design it and implement it. Just think about how you do it and come back to your conclusion. All right. So it's our... My understanding is the committee is, yes, on... Opening. Opening or expanding what an existing proceeding is designed to address. Julie took yours to make... There it is. She took yours to make copies. Well, does it or are we... You want to say whether or not we're opening one... So this was the main legal question to you. You'd like to see the... I just... I have this one. The label here that has to spray the label, I mean, something like creation of an all-fuel efficiency or utility or utilities. We went to the publishing of the outset. They seemed like it to do it. I think testimony ordered last week suggested to me that there are many different parties including the distribution utilities that also have full influence in the series. And that if we're looking at not utilizing what an energy efficiency utility can do, they might want to be open to what a distribution utility can do as well so that the evolution of both parties really is open so that we... One one's forward and the other one's sort of they're locked into their composition not able to make that complementary adjustment. Okay. The other thing I heard was that the notion of all-fuel energy efficiency utility, it was a phrase of concern to people. So for the time being, I think what we're really talking about is a program that allows everyone to do more. Whether we label someone... I mean, removing the label of being the all-fuel energy efficiency utility where we need somebody to guide it. We need somebody and we're not inviting someone else to do their own. So if we went to the current program for this idea, is that helpful? I'm comfortable with that. Yeah, me too. So my understanding is yes, you want the PUC to open a proceeding, but you want that proceeding to focus on the existing efficiency utilities and expanding their programs or mandate? I would say for myself that it would limit me just to existing. It may well be that only existing entities end up being part of some program down the road. But I would hate to think that you heard from Ryan Yellen and the department and Mr. Weston from RAP. There are different people emerging who deliver... New businesses are getting started to offer services. So I would hate to think that someone's like, oh well, you can't be considered in the mix that's a bothered mix that you're not the equivalent... You're not one of them wanting to be stapled with and not be finished in proceeding. So personally, I think we'll be open. Some other useful service comes up that the PUC... I don't know who that would be. I don't want to have anyone excluded. The other thing is we were talking about there's a certain happiness to a... well, for those with the most cost-effective solutions sometimes you figure that out by having people make different proposals about how to do different types of work that are accounted for. So... Is there an evenness and openness? Is there a doubt? So I think we want to have them come back to us on how we help one might design the docket to do the things that are listed here. Back to us earlier. So... I'm going to give words to it so it's not again... something about what they're going to recommend to us. And the next thing is between now and four months from now what are we going to direct? To take place. Okay? Well, then we get into the bottom of that first paragraph. So if you want to make sure you shall consider all of the things that are being appropriately weathered around. I'm going to point out that while they're doing that we're going to read away the things going through its procedures. While it's going through its procedures for the long haul we're going to put our toe in the water and start doing something in the next 24 months so when we get back to final recommendations that we already have a work product that is either going down or at least being modified or you can watch. So what we're going to look at I think we're going to be so that I will jump right to the section of the last page and decide what it is we'd like to have happen in the interest that will help us to be able to see establish what the PDC is doing during the next three years in part of the course. So section one in terms of getting started in the next three years section one provides more latitude for efficiency of the month to use curing for the month. So I think it's a number of dollars to do all of the tasks I don't think that's specific to it. So where are set that policy? There are other proposals coming along that list dollar values, stuff like that I think but I'd like to use the answers we developed when we went to pay for on Friday and then keep making our way through this before we start going back into the end of this one when they hadn't finished section two yet this is totally thoughtful but that's what we collect a lot of questions and it can be helpful for us to answer our own questions before and then again I'm not dismissing a question I just want to keep track of all these for instance three on page two said if we're going in and doing the do we know what we're proceeding the factors that PDC should have considered do we amongst those factors should be more explicit about how to do that? I would say yes and just to be clear these references do discuss the goals of the state to reduce greenhouse gas. You can certainly be more explicit about carbon from that point so we do not to let some of these cross references touch on that. So can we say 578 are we not the definition of carbon? So if we solicit I'm feeling like it may not be if some parent is just reading and we didn't know so we're satisfied by referencing what we already have so no additional language just referencing that's fine. So four here three an expanding role of an increasing degree so that's the the USA 8000 five languages and some three in there it's three I'm sorry Mr. Chair where are you now? Age to a number four there's no languages but I think something will make sense to you because that's what I said before some of the PDU says you're not you didn't listen you're not even saying what I would say which is energy efficiency utilities and they have an interaction with people providing services under tier three then might be able to have this tier three exclusively here so if the PUC can say oh we see all these working parts let's make sure all the years take to work together better not just work on the efficiency a lot years and believe the distribution role of all the players is a lot and we've got to figure out how to evolve together so next January they should come back with a recommendation of tier three tick shape and then you can take a look and say yeah it makes sense or it's crazy so I'm marking for the next draft that we won't cross out on the set for the BSA 8000 distribution utilities yeah so those and I think they're only to be used because anyone other than the D only the distribution utilities have an obligation the other thing that came up was exempting the complete amount of gas that are already operating I don't know if that's relevant now that you've made the other changes but I don't know if it needs to be stayed in the statute now they're making the other changes considering the recommendations and the actions they can take place here so then I'm going to and so just to refresh the recollection of the committee one is all fuels two is expanding the concept and definition of efficiency regardless of whether the PUC recommends establishing all fuels utility or not so one and two and for that matter three which is funding are sort of separate things and so this is distinct from what you just talked about so it could be hand in hand with the new all fuels or it could be not and just the existing efficiency utilities and their conception of efficiency services again the language that came over from GMP, VC and they suggested including some of the extended lists appreciating paragraphs some or all of them or some is not at all most but not all of them you're correct so I thought let's go through the list as we have it and see where we are and then we'll get how that language concludes one thing that I have marked for testimony was that sub G flexible load management produced like a peak when Mr. Weston was in he suggested removing PUC because you would want to include load management across the board that makes sense well I think he also was beyond just electricity so it might be just that flexible load management semi-colon thank you yeah how would that work now so it's demand response, flexible load management energy storage, reduction okay get rid of all okay that was my understanding of his recommendation okay so and then in terms of the questions you've pulled out different sources the two any changes to factors in addition to what's up there let's go with greed if you wanted I could fit it in but yes to specify renewable or list biomass biodiesel renewable natural gas do you want to work that in in some manner what seems to me to keep it more broad renewable energy right we're looking for greater specificity I was just adding to D as in delta if you do it seems to fit in pretty easily so yeah yeah we're using somebody's right and then in that case I'm missing something page 4 before we move on Mr. Chair do you want to discuss whether two is kept separate from one or they're merged together or do we get the stuff on page 4 there were many comments about but there were suggestions that two and one so they'd be combined so how about if you guys could bring that and then we'll lay out the current graph what do you think about potential I'm not really sure if this may be a suitable home for it or not but one of the ways we brought money from the cable to the renewable energy work was identified by Rex he tried for a while last week about could you is it possible to say there's a thermal equivalent to them and that is in one case you're certifying the energy that was produced renewably on the other hand if you could certify that you weatherize something and demand permanently wouldn't we aren't both those valuable things in terms of leaving our gas goals there is no such thing in Vermont as a thermal wreck in other words since it helped us once to build renewables I thought maybe it might help us again bring money to the energy equation whether there is a worthwhile whether or not we find such a market I don't know under funding I thought it might be useful sounds good to me the previous page where we the expansion of the programs and services of traditional technologies organizational strategies and funding realignments and our list the reason I say this suggests that I think having sent them out to do the long-range stuff we should make a step forward for the temporary funding realignment that's going to take place now what we might end up doing with the lending recommendation of the PUC next year but take a step allocate a certain amount of money and get a redirection while we are seeking the details on how to go farther in that direction and this section 1 at Sunday with the language around that I was going to start to take care this is a difficult thing to do with a group here but we will modify the good work so we get a clean extract from the instrument that's the council that's done to get this and if you could sit down and just show the language you have we could look for the best place to use it once we spell it out thank you so the only other comment I heard there were two comments I had from last week about this but how do you have how does that provide consistent ads with funding Mr. Weston has said it comes in the long run that the process should look at hanging and all approaches to funding because he was it's not quite explicit but he said you don't want the PUC dealing with constraints and thinking that you can only look at unregulated fuels Mr. Favors here the language that we have how does that provide consistent ads with funding would it have to be interpreted as constrain that only look at regulated fuels or not given the authority to change what we deal with it certainly gives the recommendations on how we might make those changes so then we don't need to just bear in sub theme get a workshop what comment I had was what you've seen from Mr. Weston and of course such processes as the PUC seems appropriate I think you thought it was overly restrictive does the language we already have seem in some way overly restrictive I don't think we can work with it but we don't want to be tying your hands I think all we're looking for was to ensure that it was an easy process for stakeholders to include and any and all stakeholders to be welcome in the process then we get to subsea reports we specify an indoor report next January and a final report with recommendations 21 January 21 we had last week that said can you push it along and have a final report in 2020 my thinking on it is when PUC asks for more time in order to be receiving what they feel is the amount of time they need to do a well below the calendar how are we up? doesn't seem like a recipe for success so do it half the time is it the dates that they've agreed to or they believe they can do the work with it yes but we might say do we want to ask for any something as crucial as next January as part of an indoor report that could be helpful to all parties what would you think would be most helpful if we were to receive something early anything? honestly it's such a wide open procedure I don't know if you're going to be in a position to make a much of a way of a recommendation other than I haven't seen an indoor report come out that's one of the problems in my history with the PUC we ask to suggest what we ought to do and they say our job is to suggest what we do and what we do it and then we tell them what to do and they do it and they don't know that so I would encourage them to develop their expertise and creativity and give us something in our team next year if they come in and say we did our best and we're going to have to stumble through on our own or if they come in with something that helps us to clarify and give us the focus that we may have adapted so you want both on January 15th 2020 that's what you're looking for yeah they're their own bosses and they can participate in this and help us do the best job possible and we can send them we can follow their recommendations or some other work and work around they could be busy doing other things and say sorry we couldn't help that's the this it is all right that's a special question we're going to pause we're going to set the clock and then we have to clock this then so I would invite anyone who has further thoughts on whether we're going to ask for how we have to know if we're getting answers 2020 to think about it talk to yourself and I'll be happy to talk to people I'm very reluctant when agencies and departments can't do something about it but they can tell them to do it anyway because from most part I think everyone's busy you couldn't tell me we're not asking them to do anything about it so thank you everybody we will tomorrow go to the language that we have from ENC to EBT at all plus we'll have our own version and we'll start to see how these things are lining up or not lining up you can do incremental edits yes my hope is by Thursday we say okay we got all the language from me then that's when the money needs to start writing checks to be aware because this is all money at the moment we haven't addressed how we're going to pick up the paper so that thank you very much we are adjourned


December 7th, 1941, started off as any other day, and as the sun slowly began to climb over the Hawaiian mountains, preparing for the day ahead, those on island followed suit. At Neville Station, Pearl Harbor, sailors and servicemembers, too, were starting off their morning, unbeknownst of the events to come. Serving aboard the battleship USS West Virginia, men's attendant Doris Miller had woke up at 6 a.m. and was collecting laundry when the law enforcement general quarters sounded. Japanese aircraft were flying overhead in his tank on Pearl Harbor. Because of his physical strength, he was assigned to carry wounded fellow sailors to places of greater safety, including the mortally wounded captain of the ship. Miller then returned to the deck and saw Japanese planes still dive bombing the U.S. fleet, so he manually fitted caliber Browning anti-aircraft machine gun, shooting at planes overhead at a humanitarian mission that was ordered to abandon the ship. For his actions that day, Miller wanted to become the first African-American to learn the Navy Coast. Doris Miller represented the honor, courage and commitment necessary to protect and defend his shipments and serve his country. He was steadfast in the face of adversity, unwilling to be simply advised of it. The story of Doris Miller teaches me that we all play a role to make a difference, and that's something I believe in. I live and fight because my shipmates in my country need me to. My name is Petty Officer Sugg class Verdi White, culinary specialist, and I am proud to carry on the legacy and the courage of Miss Attendant Doris Miller.


The FineTuner Echo is a remote control that lets you change settings on your RONDO 3 audio processor. Let's see how to set it up and start using it. Before using the FineTuner Echo, you have to pair it with your audio processor. Switch off RONDO 3 and place it on the back or front of the FineTuner Echo. Now switch RONDO 3 back on. It will pair automatically with the FineTuner Echo. If your processor does not pair immediately with the FineTuner Echo, try again. If it still does not work, please contact your audiologist to check that your audio processor is programmed correctly. All FineTuner Echo functions can be performed with either the left processor, right processor, or both processors. To choose which processor or processors you wish to perform the function with, press the corresponding processor selection key. To turn up the volume with the FineTuner Echo, press the upper volume key. To turn the volume down, press the lower volume key. To increase the sensitivity of your audio processor's microphones, press the upper sensitivity keys. This will increase the range of the microphones, but may also increase levels of background noise. To decrease the sensitivity of your audio processor's microphones, press the lower sensitivity key. The default key sets volume and sensitivity back to predefined values, set by your audiologist. Pressing default will not change your program. To select a program, press the program selection key. The bar at the top of the screen indicates which program you are currently using. To mute your microphones, press and hold the MT button for three seconds, until the mute symbol is displayed. To unmute your microphones, press the MT button for three seconds again. To activate the connection with audio link, press the audio link key. To lock your keypad, press the lock symbol for a couple of seconds. You can also use your FineTuner Echo to check that the audio processor microphones are working properly. First ensure Rondo3 is on, then place it on the back or front of the FineTuner Echo. Speak into the audio processor microphones. The green light on the FineTuner Echo should flicker to the rhythm of your voice. If the green light does not flicker, adjust the volume setting on your FineTuner Echo. If the green light still does not flicker, charge your audio processor fully and try again. If your Rondo3 is still not working correctly, contact your CI Center for assistance. And that's it. Now you're ready to start using your FineTuner Echo with Rondo3.


And we're going to talk about gardening trends and, you know, our gardens today are not the same as grandma's garden, right? They're probably smaller and we've got more containers, lower maintenance probably than our gardens of a hundred years ago. And Barb also wrote a really nice thing about from edibles to succulents to pollinators. Let's look at what the experts say will be the hot gardening trends in 2015. And the person who monitors the trends at NDSU for gardening is Barb Leskowitz. She is our research specialist. She is in charge of the Fallon trial. So she's always looking for the new and latest, the most improved stuff to help us have a great garden. So let's welcome Barb and find out about the trends coming up. Thank you for the nice introduction, Tom. I will try to speak loudly, so if you cannot hear me in the back, raise your hand and I'll try to project better. And those of you in the front, I'm sorry if I'm too loud, but I want to make sure that, oh, Harleen's back there going in, I can't hear you. Anyway, so we're going to talk about some garden trends. I have ten and I know there's more and there's probably something I'm not going to cover that is of interest to some of you and that's fine because I'll cover that at the very last slide. Now, the first thing I want to talk about is the succulents. And you cannot look anywhere these days, it seems like, without seeing the succulents somewhere. And they've actually, this isn't that new I would say for the last couple of years. They've been popular not only in our landscapes. There are some that are hardy for our zone three, zone four area. So in POTS, especially in POTS patio plants, they're really quite popular, and even in floral design. And the nice thing about using them in floral design, especially if you're using them in like wedding work, is that if it's in a bridal bouquet or something like that, the bride can rip them out and then have this memory of her wedding whereas with regular flowers, you don't get that possibility. So there's really some fun things we can do with the succulents. So let's just take a quick look at what we mean when we're talking about succulent plants. And basically, they're plants that will store water in either their leaves or their stems. They're very easy to grow. And that's one of the keys here that most of them, it's hard to kill them unless you give them too much care, over water them, then they often will rot. They have low water needs, a wide temperature range. And one thing that they almost all have in common though is that they like bright light. They're going to do better in a brighter light situation. They're also often slower growing, so we can keep them in a smaller container for a long time without having them get out of control, which some host plants can get really big fast and then what do you do? And there's really a variety of colors and shapes and textures in this category. So you can do a lot of different things without having to worry about flowers and that sort of thing. So, and just briefly, all cacti or succulents, they store their water in their stems, but not all succulents are cacti. And I'm going to talk about non-cacti succulents because they're easier to work with. I mean, who wants to work with things like, some people do, some people love cacti and they will have them. And that's great. Some fun ones and they have really pretty flowers, but for me, we have a collection in a greenhouse and I brushed against one too many times. It's like, you know, we're going to forget about those for today. Now some succulents are already very popular as host plants and again, anybody that thinks they can't grow a house plant, they have not tried Sanzibaria, that plant is one that will survive a wide range of anything. It's called mother-in-law's tongue, I'm sure you guys are familiar with that, which mother-in-law's can be very nice, but it's just kind of funny how these common names happen. Now that's kind of the regular Sanzibaria, there's also one called a bird's nest Sanzibaria, which is smaller and will fit into a smaller spot as opposed to the regular Sanzibaria which can get quite tall, but it's kind of skinny. EpiRomia is another commonly seen house plant, not only the variegated kind here, there's ones with smaller foliage and ones with just straight green foliage. And the Christmas cactus, not really a cactus, but we call it that because it does, what we see on the Christmas cactus is the stem holding the water and then it blooms, there's a Thanksgiving cactus and an Easter cactus and the Christmas cactus, but we see those quite often as well, so already we see succulents used as house plants, but the industry right now is focusing on some different types of succulents beyond the ones that we've seen for many, many years. And one of the genera that we see are the Horworthias, which come, there's a lot of Horworthias, these were just some that we had in our plant collection that I took some quick pictures of, they typically have that rosette formation, the one on the far left is called a Zebra Horworthia, and I forget the others, but they're again just to show you the wide variety of colorations that we get just within one genus with the plant. Now they are slow growing, but some of these as they mature do get kind of large, not only these but some others, and the more optimum conditions we give them the faster they will grow, so sometimes we like to not give them optimum conditions so we can keep them smaller and more contained in a container. The Echeveria is another common category that we see, again we get that rosette formation. We actually, I should have taken a picture, we have an Echeveria at the greenhouse that's actually like four feet tall, so that's one that does get quite big, so you have to be kind of particular if you're trying to do a smaller garden with some of these, they can get big although hopefully they'll stay a little smaller. And the Cinesios, again a very wide and diverse group of plants, on the left is one called the Blue Chalk Sticks, which has that nice pretty blue coloration, and on the right is the plant called the String of Pearls, which is nice in pots because you can get it to kind of spill out of the pot, so you know they always talk about as you designing pots, you have a filler and a filler and a thriller and all those, so this would be your spiller coming out of your pot, and again a smaller plant that grows a little more slowly, the Blue Chalk Sticks might be your filler that fills things up a little bit more. And then just some others, and if you Google succulents you're going to get a ton of different pictures and they're very photogenic, so again this is just a small, small grouping of them. On the far left is Calico Kitten Crassula, that has pink and gray and kind of light green coloration, the Crassula is the same as our Jade plants, but just to show the difference, I'm sorry can you guys not see, just to show you the different again range of things we can get within each gender, and that's another one that kind of spills out and stays a little more sprawling. The Graptopedalum, the Ghost Plant, is an interesting one, looks like some Escheverias, but this, again we have this one in the greenhouse and it was blooming, I was almost going to call it an Escheveria, but it had a flower on it, and that's really the best way to identify anything, so I could tell by the flower that it was the Graptopedalum or the Ghost Plant, and that's a really interesting one too because those, the foliage pieces will fall off and you can root another plant really quite easily from that petal, but that's also a problem with that plant is that it's really easy for the foliage pieces to fall off. And then on the far right is the Burl's Tail, and again this one in our plant collection for people that come through at the greenhouse, that's one that always catches people's eyes because the one that we have is like three feet trailing and it's just really interesting, but it's another one that the little foliage will fall off quite easily, but then you can get them to root so you can get more plants. And then, so all those are not hardy here, if you wanted to have them outside you'd have to have them in a patio container, bring them in in the winter or live in Arizona or Texas or someplace warm, but we do have some nice succulents that are hardy to Zone 3 or 4, which is typically what we like to have around here in North Dakota. On the far left is Sedum Camp Shattacum, that's more of a ground cover Sedum. Autumn Joy Sedums are more upright and the Autumn Joy especially are nice because the foliage is very nice and then in the fall they'll get the nice pretty pink blooms on them. In the middle we have the Henenshix plant, Sempervivum, which can almost be weedy if it goes unchecked, but that's another kind of old fashioned heirloom type plant. And then the Yucca Glaucas are very hardy, we have some on campus. They're a little harder to work with though because they're kind of pokey and so you have to be careful where you plant them, but definitely the Sedums, a very large genus that you could probably do a really nice bed just with all the different growths of the different species there. Okay, that brings us to trend number two, which again, I think it's a continuing trend with a lot of people and that's low maintenance, gardening, gyroscaping, native plantings, whatever you want to call it. So this is when we're trying to plant landscapes that don't need basically a lot of water or a lot of care. That's me, I'm a lazy gardener, if I can put a flower garden in and not worry about it, that's what I want to do. Oftentimes we like to go with the native plants on something like this because they've grown up around here and they can grow here, but there's a lot of non-native plants too that will grow very well, so don't feel like you're limited to just using the prairie plants we have around here. So some growing tips when you are trying to do something like this. One important thing I know that Steve mentioned, match the plants to the site. There's nothing more frustrating than taking something that loves the shade and putting it into a hot garden, a prairie garden or something that likes the prairie and then you try to grow it in a woodland situation. You have to be aware of what the plants want. It's very important. And even though our goal is to have a garden that's low water usage, until they're established we're going to have to put water on them so that they do get their roots out and that they will be able to survive without the water. So initially they're going to use water. One thing that's recommended is to use mulch to help conserve the moisture, help keep the weeds down. Personally, I don't use a lot of mulch. I have mulch as its good times and bad times. And for me I just, I can deal with everything without the mulch. So I'm not a big recommender of mulch. But for some of these beds it's very useful. And also weeds. People think if they're putting in a native prairie garden, they're just going to be able to plant it. Most plants are going to thrive and grow and we're not going to have to do any maintenance on it at all. But trust me, the dandelions will come in, the aggressive, some of the asters can be very aggressive, some of the golden rods.  So it's not going to be a no maintenance garden by any means. But hopefully low maintenance. And I just want to mention on our heart gardens on the west side of campus I have started a metal garden. And that's kind of ties in with a few of these trends here. But a metal garden is getting a bed of native grasses established and then putting in forbs or the flowering plants. And it's, the one I've done, as you can see, has a very wild look to it. You can do more non-wild looks to it.  But I was kind of excited this year and I know people across the state can't see. It's been about three years since I put these in and I see some volunteers coming up within the plants that I already put in. And I kind of like to see that except the heliopsis here that's volunteering one little plant last fall. There might be a whole patch of it this summer so I'm going to have to keep my eye on it. But I want to see more things come up that I haven't put in. And I'm hoping that this spring I can burn it down because that's the best management for something like a metal garden every few years to try to burn it down like a grass prairie fire would do. But since this is on campus and in the middle of town, I'm not sure I can do that but I'm going to try. If I can't burn it, I'm just going to go in with a weed with a DR trimmer and cut everything back because I have not done that for a couple years and it needs to probably get cleaned out a little bit. So if you want to come and see a metal garden, come to the bed this summer and it's going to change. The nice thing about these two is they change over the seasons.  So just some specific plants for this kind of garden and this is by no means inclusive. There are so many plants. But the echinaceas, which is on the left or the right, Russian sages. Again, you get that nice gray, blueish, green foliage.  So you have to be prepared to manage that. The sedums again are great. Leatrous, Heliopsis, Salvia, Purple Prairie Clover. I really like that one too down in the corner. And what I did last year too, I've been collecting seeds so that I can try to start some more stuff in the greenhouse or spread it out of the ones I really like to make sure that they continue growing and that some of the other ones don't choke them out. And then some of the grasses. And again, these are all native to the prairies of North Dakota, Minnesota. Little Bluestem, which is Schizekirium. I've got the genus behind them here. Big Bluestem. So Little Bluestem is about three to four feet high. The big Bluestem is the stuff that was on the prairies. That's like five to six feet tall. That can get quite large. Jewel grass, prairie drop seed, which is more of a delicate, little shorter grass. The switch grass, Panicum, Blue Gramma, and then Psydoge's Gramma. The Blue Gramma is also called Eyelash Grass. It's a smaller one and the seed heads look like little eyelashes. So it gives an interest with the seed head that way. So these are all really good grasses once they're established. You just have to check the heights if you don't want anything really tall. Stay away from the Bluestem if you want something shorter. I would go with the June grasses and the Grammas. Okay, that kind of leads us into the third one, which I have some issues with, and that's going, making our lawn smaller and maybe totally going without a lot. And the reason for that, granted, it's because lawns can be very high maintenance. They can take a lot of fertilizer, a lot of pesticides of some sort, weed killers, that sort of thing. If managed correctly though, that shouldn't be a big problem with the runoff. And I think that's, people are seeing these chemicals applied running off into our waters. And that is a valid problem. But it's, again, they're applied correctly if people don't spread the fertilizer all over everything, like their driveway and their sidewalks. Because that's really where the runoff is coming from is that chemical that gets not on the grass, but on other spots. So there's a management issue there with the homeowners. And I just think there's nothing more relaxing than a spot of turf under a tree where you can, you know, walk in your bare feet in. So I think turf has its purpose. That being said, there is a trend for trying to get away from that higher maintenance thing. But then sometimes, like, I don't think that this particular situation is going to be any lower maintenance than a lawn. Sometimes perennials can also be very high maintenance. But what things that we can do if we're trying to be less of a lawn is people are putting in more patios and pavers. But then again, with the runoff, turf really fokes up a lot of water. And if you're putting in more hardscaping, you know more water is going to run off. We have to turn it down that way. There are some nice ground covers that we can walk on and that will look turf-like without the high maintenance. Again, using more mulches, putting English gardens in your front yard. Again, maybe a little higher maintenance. But there's some nice gardens in town that have that cottage garden look. I'm going with some meadows and even vegetable gardens. Although, if you're in a newer development, there's a lot of rules that sometimes have to follow. So vegetable garden in the front yard might not be allowed. So you really have to make sure. That's why I like the old part of our goal, because you can do anything and get away with it. So that's my stance on that. It is a trend good or bad. And that ties into trend number four, which is organic or sustainable gardening. I myself have a problem with the term organic because for me, organic always meant chemistry and chemicals. And that's really the opposite of what it means now is going without the chemicals. So that's why I have organic in quotes there. But these are all things that I think gardeners do a lot of already. And it's just now becoming trendy to kind of garden this way. So all these things tie in. Low maintenance and lawn free. Reducing our use of chemicals. And that I think is very important. I think that ties in with the correct plant selection. If you have a healthy plant, you're not going to attract insects. It's going to grow good. You're not going to need to apply a lot of chemicals to it. Conserving water and controlling runoffs. So with the rain barrels, that could be a whole another trend. You know, catching the water under your gutter. Controlling the water that does runoff of the land. Again, a nice lawn will soak up a lot of water. Reducing the use of the fossil fuels.  It depends on how many acres you have to trim.  You know? Or, you know, rake your leaves. We have to be blowing them everywhere. And we used to use one of those real mowers. That, again, that noise is very relaxing and it's actually better for the grass to cut it with that scissor type action. So these are all things that can be done depending on how active you are about doing it. Composting is another way we can be more sustainable in our garden. We think that could, again, be a separate trend. You know, even just taking your kitchen scraps and composting them. And the city of Fargo has composting bins that you can purchase. So the city is trying, at least in Fargo here, the city is trying to make it very easy for people to do that and reduce the load into the landfill. And of course, there's lots of spots you can take your yard waste as well for the city to compost. And then, again, a bear is repeating. Smart plant selection is just going to avoid a whole lot of problems so you don't have to use a lot of the chemicals and that sort of thing. Okay, a bigger topic, cover a little bit more here, is the pollinator garden. Topic number five. And I know Todd talked about bees and whatnot last night. It is a big trend, especially with the bees dying. And it's not just bees though. Pollinators are anything that comes to your garden that will move the pollen around. So it is the bees, it's also the hummingbirds, it's bats, it's what all do I have up there. Bats and mobs, beetles. So anything that will get into those flowers and move the pollen around. Couple sites that I ran into that just have really simple information if you want to go. The U.S. Fish and Wildlife Service has a really nice little brochure on the web. And then there's a society called the Xerces Society for Invertebrate Conservation. Has anybody in Fargo here ever heard of that society? A few of you have. They have the largest pollinator conservation program in the world. They're located in Portland, Oregon. And if you go to Xerces.com, you'll see all the work they're doing. The invertebrates cover the beetles and the bees and the dragonflies and other things like mollusks and crustaceans, anything without a vertebrate basically. So it was an interesting site for me to come across. And the sign here, I believe, is from their society that's their pollinator garden marking. So pollinator friendly practices that as a I was going through, I didn't even realize some of these. One is that you want to have a variety of plants. You want to have plants blooming from the spring all the way to the fall. So there's always some pollen there for them. That makes sense. So pollen is accessible. And a lot of the hybrid flowers have double blooms or triple blooms. So it's hard to get into the pollen. So it's better to go with a species. Plants where the pollen is more accessible. Native plants are often recommended because they'll attract the native bees that are used to those plants. Colors are important. Again, this is not something I knew. Bees will prefer yellow, blue, and purple while butterflies like the reds, the oranges, and the yellows. Shape of the flower is also important. I think we know the hummingbirds with more of the tubular flower whereas bees will land on the flowers. So that's important. And it's also important for your plants to be in groupings. So that they're big enough so that the pollinators can see the plants. You know, one plant here, one plant there might not attract them as much as a huge grouping of the echinacea or the le actress or something like that. And we have to be willing to grow some weeds, especially with the butterflies and the larvae. So the milk weeds are important and the mandolins have a tap for nesting, limiting these to pesticides. Again, that goes back to sustainable gardening. And providing a water source. It's not something I thought about either. And then the industry is catering to this. If you look in some magazines they have special gardens, so you can just buy the package deal. And you're good to go. Another good site from the NRCS-USDA. These are like These are like 86 plants that are conservation plantings and they're usefulness as pollinators. So it's another one you can go visit. Some specific plants here, hisseps, a lot of the herbs. See, I said I wasn't going to talk long. Number six is terrariums, something from the 70s coming back. And again, thanks to things like Pinterest where if you're on Pinterest, there's lots of fun things to do. They can either be enclosed or open. If they're enclosed, you have to watch out to make sure they're not in bright sunlight or they'll heat up. You want to group like plants together. And again, just a wide variety of containers can be used for the terrariums. This is just an interesting story. I found the internet so it must be true. This gentleman in England started this terrarium in 1960. And in 1972 he put a cork in it and didn't do anything with it. And this is what it looks like today. Go to that website if you want to know more. Miniature and fairy gardens.  This is, you can see, hostas and whatnot. Edible gardening. Anywhere Esther is going to talk about edible gardening next week, but we're talking edibles in your house, in your perennial beds, in your front yard, in your backyard, anywhere that you can put a tomato or kale. Do it. Garden art. Again, Pinterest. And I'm not employed by Pinterest at all, but that's a website that has wonderful ideas for recycling things for your garden. These are terracotta pots that have been painted and made to look like mushrooms. I've seen a lot of these at the craft shows, old cups and saucers made into flowers. And also garden lighting.  Put them in their yard and voila, something fun and interesting. But garden lighting using our outdoors as much as possible is another fun thing to do on their solar lights. There's lights you can make just to make that outdoors more appealing. So, at the very end, don't worry if you don't fall into any of the trends.  There's lots of fun things to do. Just do what you like. If you want it to become a trend, put it on Pinterest and pin it and then everybody will see. There. I'm sorry. And here I thought I was going to be short. I'm worried for a while but you just wrapped it up beautifully. Now we're going to have a brief question and answer session now. Let's get rocking and rolling here. Barb, where is a good source for native plants or seeds? I do have two sources out of Minnesota. One is prairie moon nursery. The other one is prairie restoration. They both have, well, for the people in Fargo, I have a couple of their catalogs if you want to see them during the break. Excuse me, they also have good websites. So that would be two, and again, local sources that are nice. You talked about the string of pearls. How do you propagate that? Can you? Propagating string of pearls is easy. You just cut off one of the things and put it in water or some soil. Most of the succulents are very easy to start. That's encouraging. Here's a sad story. We had a Christmas cactus for 65 years, but now it's wilted horribly. It tried repotting, watering, fertilizing, but nothing seems to help. Any magic here? No. It's so funny because I have a Christmas cactus that my grandmother had, and this Christmas cactus is probably that same age. And I had a similar problem with it where it was wilting. Don't think it likes the Fargo water. I did repot it, and it did perk up. If they tried that, if they have just a little slig of a plant that still looks good, they might want to just start a whole new plant if some of it is still healthy. It's cutting it up, putting it into a lightweight soil, perlite, or even water. That might be the best thing to do. The rescue mission. Here you go. Do you ever give tours of the famous NDSU greenhouse? Yes. But now I don't know if they're talking about the brand-news thinking of wonderful greenhouses. I'm not involved with that. I'm in the old character greenhouse. Which, yes, I give tours of that better in the spring because we have more plants. If you want to see the high-tech, barking, clean greenhouse, you have to talk to somebody else. So Barb, you give tours of your flower trials and like the metal you talked about. So you can just contact Barb directly and set up a time, and she'll be happy to share that with you. And that really helps to have someone like her lead you through those gardens to really show, to let you know all that you're seeing. Why can I not carry German roses over to the next year? I don't know. Okay. Me either. How about a wild prairie crocus be grown in the garden? I don't know. I know. If it's one that's hardy to our zone. Are they grown from seeds, you know? Wow. Little bulb crocus. Well, yeah, but everything can also form seeds, you know. If you're patient, just want to... You want to tell me? You covered Barb. Are the outside plants or inside or both or what? The bulk of them are going to have to be treated as health plans. That very last slide that showed the seed and camp shattacum, the yucca glauca, and I don't need the hen and chicks. Those are all zone hardy. But if you're not sure, ask your whoever you're buying it from or Google it. Google it on the interwebs. Okay. We have a typo. It was not German roses, breaking news. It was German irises. With the problem. That's wrong. She mulches them. Kevin, what are your challenges? I know. We have a huge German iris collection at NDSU, and we've lost a lot. It seems like if we have a really wet April, I lose a lot. And I don't mulch. I don't have the manpower to mulch them all. So it's hard to say without knowing their growing conditions and what they're doing. They're hardy. They are hardy. They're hardy. They need well-drained soil, evidently. Yeah. Okay. Did you say Elizabeth, okay, she wants to know, are we in zone three or zone four? Well, it depends where you are, Elizabeth. I'd say at least 80% of North Dakota is in zone four. Just the top third of the state, top fourth of the state now is zone three. So it depends where you are, Elizabeth. Probably zone four. But you never know. In exposed areas of zone four, you could have some many sad stories of marginally hardy plants. So microclimates do exist. Zone five plants that survive because nobody told them they were supposed to die. Okay. Okay, we got a question here in Fargo. Are the fungus-resistant inpatients available locally? Must be those downy mildew ones. I'm not sure, but I do know that the All-America selections has two 2015 inpatients that are supposed to be resistant to the downy inpatients, downy mildew. I'm not sure that local nurseries, I'm not sure what they're carrying. But I should be getting that inpatients in. It's going to be, all America's selections usually sends me seeds, but this inpatients is vegetatively propagated, so they're going to be sending me plants. So I'm not sure locally what they're going to carry. The New Genes are supposed to be resistant, but they're not, you don't get the same show as you do with the malaria. So check with your local garden centers. And last comment, we have some iris information again. This person recommends stop mulching them. She lost some when they were mulched. So maybe you've got a really...


Hey, what's up, coaches? The goal of this video is to teach you how to collect more money up front from prospects that are interested in your program. So they turn from a prospect into a client. You can also do this with clients that you already work with and get them to upgrade into your program. And I have seen this work so well with coaches that we work with in our accelerator program. And these are coaches that have like scripts. They have the pricing down. They have their offer dialed in. They have all those pieces in place. And if you're watching this, I think this will really help you if you execute, right? And I want to use the numbers 200 and 2000 as a reference point here. So let's say you charge $200 per month for your training program and let's say right now like people are just doing month-to-month. With you. So they sign up. They pay 200. They get four sessions or eight sessions.  And next month, they're automatically build 200. And by doing that every month, if they're in your program for 12 months in a row, you'll make $2,400. Right. Pretty good. Now, if you have 50 clients that are doing that, you're making six figures. Right. Now, what I like to do is teach coaches how to get paid up front. For the whole year in one payment, right? Having that as an option and having either monthly payments or quarterly payments as an option. So the clients you work with, they have more skin in the game up front. And typically when they have more skin in the game, they take your program more serious. They show up more often. And as the business, you have like way more cash for you making more money that month. Right. Now a simple way of doing this, if you offer $200 per month month to month, or let's say it's a three month, six month or 12 month minimum contracts, really up to you. You can take that and you can say, well, Ms. Jones, if you would like to have two free months of free training, you can prepay 2000 and you guys would have two months of free training when you invest up front into our program. So now you have this as an option where clients can either pay two K up front or they can pay $200 per month. The problem that I see that coaches have is they're not willing to ask for the two K up front because they're afraid to talk about money. And what you have to be able to do is you have to change your comfort level that you have when you talk about money. That needs to be a normal conversation for you. Right. If you make that a normal conversation, then maybe 10 to 20% of the people you offer that to will take it. Right. Because you have to think about it. Whether you think this is true or not, this is the facts. Parents that you talk to that want extra training for their child, because that's what this niche is. Their kid is getting extra training with a specialist like you. If they want extra training, they have disposable income. If they have disposable income, why not ask for all of the money up front in one transaction? Right. And if you've never had like a $2,000 day in your business, you could go do that today. You could try that today on a sales call and see if it works. It all comes down to how you say it and how you present it. But this is a good way of getting paid up front. And let's say you have, you know, four sales per month of $2,000 units. You do that. You know, once a week, right? A $2,000 sale once a week. You're still making $100,000 per year doing that if you sell it with that model. All right. And the good news is you could sell it with that model and the model of having them pay monthly. All right. I don't like people paying monthly unless they're on an agreement or a contract. And that's something we provide the coaches that we work with in our accelerator program. So if you're watching this video and this helps, like, try it out. It's only going to work if you try it, but go for it and you can flip the numbers around. It doesn't have to be $2,000 up front. There's some coaches that we work with. They charge $4,000 up front. All right. So they charge a lot of front and parents take them up on it. Like if they have the money, they have the income, they're going to do it. And if they don't, then they can drop into the monthly subscription. So hopefully this helps. You have any questions for me? If you want to learn more about what we do and how we help coaches one-on-one, text me at the number below. You'll see it here. We can get on a quick call. I can see where you're at with your business and I can show you more about this concept and how it's going to apply to you in your business. All right. See you later.


The Bible is really, really pro-life, right? Yes, it is. Like, for instance, God killed everyone on Earth, except for a guy with a zoo boat. That's pretty pro-life. Is God pro-life? Well, in Exodus 2013, it says, you shall not murder, so that's a pretty open and shut case. But let's take a look at the other commandments to try to understand how a pro-life God could kill all those people in Noah's flood. The first commandment is, you shall have no other gods before me. During the time of Noah, God saw that humanity was wicked. They had appointed themselves as God and rebelled against him. God saw fit to administer his justice through the flood, but don't forget that he also was merciful in saving Noah and his family. You see, God is pro-life, but he is also pro-justice and anti-wickedness. Now, while we might be more comfortable with a God that resembles a character from My Little Ponies, we need to understand that the true God is serious about holiness, justice, and truth.