The Cube at IBM Impact 2014 is brought to you by headline sponsor IBM. Here are your hosts, John Furrier and Paul Gillan. Hey, welcome back everyone. We're live in Las Vegas for IBM Impact. This is The Cube, our flagship program. We go out to the events, extract the scene of noise. Day two of wall-to-wall coverage. I'm John Furrier, the founder of SiliconANG. I'm joined by co-host Paul Gillan of SiliconANG. Next guest is Stephanie Trunzo, Chief Creative Officer at PointSource. Welcome to The Cube. Thanks, thanks for having me. Great to have you guys, apparently, in the finalists for this app throw-down. So explain what you guys do and what's this throw-down. Sure. Well, the app throw-down, you develop an app and then you throw it down. As hard as you can. Break the app on. Exactly, that's right. Is it a mobile app? Yes, yes. It works on Android? It does work on Android? Yeah, pretty easy. Yes, they do break really easily. So you have to really throw it with force and make it shatter. Honestly, what we've done is we have developed an app for HHGREG and they are a big electronics retailer. We actually heard Kevin Lyons at the keynote this morning talking about the solution that we developed for him. Some really cute commercials. He had the whole audience laughing. He got up on stage and took a selfie as the first thing he did. So yeah, we developed that app for them and that's what is in our app throw-down. So we used WorkLite and IBM Commerce and built an adapter and extremely high-performing app, really fast, awesome and amazing. Well, those people who haven't used the app, what is different about it? We've all used lots of retail apps. What's different about this one? What's different about this one is it is blazing fast. So as we know, the user is extremely discerning and I'm sure you guys can attest. You play around with an app on your phone if it's too slow to load, if it takes too long to add something to your shopping cart, if it's processing for too long, people get frustrated and give up. Abandoned shopping cart rates are really high because of that reason. This app is blazing fast. We actually improve performance on the mobile over the desktop by 1400%. So it's actually faster on the mobile device. Absolutely. Now this is a later issue we were talking about, we've been talking about earlier on theCUBE, is the decision that you make about where logic goes on the device or in the cloud and the latency issues that it introduces, what decisions did you make there? So at Point Source, one of the things that we do is we spend a lot of time in upfront investigation. So we do a lot of business requirements analysis and one of the things our business analysts do is spend time talking to the stakeholders about how the information is going to be accessed, where the users are commonly going to be when they're accessing it. And then you use all of those use cases to help you decide are there offline use cases, cases where they're not going to have access to the internet, but they still want to be able to browse, say their wish list, for example, or they have a cache of product information from something they've looked at previously. So we use use cases to drive the architectural decisions about how we actually build the application. This creates some interesting design issues though as well, because you may be able to actually predict based upon a user's behavior what information they will want. You can download that and cache it for rapid access at a separate time. Did that kind of, are you building apps with that kind of thinking in mind right now? Absolutely, yeah, absolutely. We use REST APIs, so we try to keep everything as much as possible easily accessed. It's fast, it's quicker that way instead of continuously making calls to the server for information. So we are very thoughtful about that process for sure. I think most of us would agree that most apps are too slow. Oh yeah. Do you believe, why is that? Why aren't more apps more responsive? I honestly think that it's kind of a two-fold problem. One is that the people working on the applications are not thinking enough about the user and what that experience is actually going to be and that a matter of a second load time is actually make or break to whether it succeeds or fails. And the second thing is that I think people are not recognizing or they're working with agencies that don't have enough architectural foundation and understanding that design isn't just on the front end and on the glass. It's about how you build the services and the architecture underneath as well. So I think that a lot of enterprises are working with agencies of record or marketing firms that maybe can make something beautiful but they don't really know how to make it perform or they're working with outdated architecture perhaps. Stephanie, a lot of the things going on, certainly in San Francisco where I live, is design interaction design is huge, right? So I was talking to folks who are dealing with big data and software but they're dealing with on a physical plant perspective. But now with the Nest and the Internet of Things, the human interaction piece is a huge deal. Now on the computer side, we've been dealing with stuff going about the graph, please, interfaces. But now you have a whole new era of interaction. That's just different. Certainly the phone's different than a desktop. So how do you talk to customers who say, give me a mobile app? It's not that easy. So what's the process and what are the things that you've learned in going through those? What are the best practices for really nailing a roadmap for user interaction? Is it a pure mobile app? Is it web response, native HTML5, all of the above? I mean, how do you sort through that? Share your experience. Yeah, sure. Well, you actually raise a lot of different topics there. There are a ton of issues. And actually what you just said highlights how complicated these decisions are. And that's why you need to partner with someone who is extremely expert in the mobile field. It's not the kind of thing that you should necessarily take your in-house web design firm and ask them to develop your mobile strategy for you. You really need to make sure that you understand all of the facets of the full lifecycle, the full solution to ensure you know what you're doing. Give an example of what might happen if someone does that, for instance, if they go there, we have geologists building the mobile app. What would be the consequences? Sure, sure. So I think one consequence would be that you have really slow apps. Another consequence would be that you have non-intuitive interactions. So take, for example, if you are typically familiar with designing for the web, for a browser. If something is off by a pixel or two, maybe it's going to catch the designer's eye, but it's not going to make or break the experience. If something is off by a pixel or two on a device, you may have just changed the touch size or the touch space to the point that it is no longer responsive. So it is absolutely critical that you understand those interaction patterns and you understand the metrics and parameters that you need to work within. Stephanie, looking longer term, from the front door of this hotel to here, I passed I think four different signs encouraging me to download an app. Yeah. And we know there's how many hundreds of thousands of apps out there. Is the app really sustainable in the long term? The metaphor of the app, or will be migrating to, as John Warnock has suggested, the app is just a stopping point on the way to a more universal access method that is not dependent on downloading. Right. That's a great question. I just recently read a study that said something about how, I think it was 60%, some majority of users that still prefer in the retail space to go to a browser rather than install an app. And the context in which I read that was saying that mobile developers should be worried because that was still the user's preference. But what was interesting to me about that was, actually that is opportunity the way I read it. So there's an opportunity because the reason that the users are preferring to go to the browser is because they're so much better, well designed than the apps. So I think that there's a huge opportunity still for apps. They're context rich. And I think it's going to be very difficult to get that amount of context. So I know where you're at. I know what you're doing. It can collect information by using the operating system of the device. And you're not able to get that kind of rich experience in a web browser or a mobile web. So. Talk about your company. What do you guys do? You guys provide that mobile services? So you made an app so you were on the throw down competition. What does your company do? So we do everything end to end for mobile strategy. And what that means is, you could say, as an enterprise, we know we need to get started and we sit down and build a strategy. You could say we already have a start at something and we don't feel comfortable with where it's at yet and we need you to progress it. We go through the investigation process to understand the business goals and we have a design team, digital experience organization that takes that to wire frame concept, high fidelity mockups and then the development organization that actually executes and delivers. And then we'll also support mobile launch. So one of the things that we learned early on was that we worked really hard collaborating with our clients to come up with an amazing and beautiful app. Get it into the app store and nothing happens. And what we realized was that we need to also help our clients figure out how to launch the app. How are they going to enable their users? So for example, if you're in retail and you develop an app and your customers download it you have never enabled your store associates to know how to use the app. How are you going to succeed? Now your customers know more about the app than your employees in the store. So we also work on doing training. Allstate is one of our big clients and we released an app for Allstate dealer services. We actually went to their agent conference and trained their agents on how to use the app. Now you're setting them up to succeed. You are actually going to get the value you hope for out of that mobile strategy you built. So I did some researching around and notice you guys are tied into the Jazz Hub. Yeah, absolutely. And I guess you've worked in that group at IBM. So you have an IBM background, you're in a business partner. So how does that all take us? That's DevOps. So essentially are you the front end to the outcome oriented of the DevOps piece? Yeah, so Jazz Hub is amazing because what it allows us to do is provide complete transparency to our clients. So often when you're working our clients when they're working with vendors, there's a lot of times where they maybe had a bad experience in the past where they worked with a vendor, gave them requirements but they were sort of in a black box. They went off and developed, came back with whatever they produced and it wasn't what they had asked for. So with Jazz Hub, we're able to say we're going to work collaboratively together. You mean in terms of the solution where it's hosted, compliance stuff or is it other stuff? The actual development. So to say, okay, all of our use cases are written out there. They can see the work items on the development as we're progressing and often our clients are actually collaborating with us in that project area. So we use it to facilitate all of the collaboration around the actual development process. Presumably you have experience with WorkLite already. You've been using WorkLite? Yes, absolutely. So what are your early reviews? How good is it? It is fantastic. So I am a former IBMer but I'm a business partner now. Of course I support IBM but we don't have to use tools that we don't want to use. If you had no, I mean you're not being paid to say this. That's right, exactly. That's a good question, yeah. Exactly. That's exactly right. That's the alternative. You think it's the best? Absolutely. So anyone who's worked with developers knows that they can be very finicky about the tools that they have to use and if they don't like the tools that they're being asked to use they will find ways around it to not use them. The developers at Point Source choose to use WorkLite even on the projects that we develop in-house for ourselves. And I think that's a strong testament as anything that the developers are choosing to use it for their development. And in terms of the back end, I mean are you moving toward a software environment or using software right now? What's your experience? So you are. So what has your experience been as a software whether it's for cloud bursting or your primary platform in terms of the performance that you're getting? Sure, so we just started investigating SoftLayer. We actually are looking at doing the first WorkLite implementation on SoftLayer. So we're not very far into it yet so I can't really give you a ton of feedback but it is something that so far it's looking like it's going to be fantastic for us. So back to the mobile again. I want to re-ask the question about mobile response, web response versus mobile app pure. A lot of people think I'm just going to build a mobile app. Total self-contained mobile app. When does someone decide when not to do that? Yeah, so I know I keep mentioning retail but they just seem to be the best examples to the question. So there are a lot of retailers that are in a position where they've spent a lot of time and money in building their e-commerce solutions and they know that they need to evolve and they need to get to an e-commerce model as well or an omni-channel model really.  So what we do is help them by beginning with a responsive web-based mobile web with phone form factor. Then we'll expand it to tablet size and then slowly you're able to replace your desktop site with a single site, single code base. That same code base can be used for installable apps as well. So now you have a single code base serving all of those needs and really it's sort of an iterative model that gets you to that sweet spot at the end. So I got to ask you a question about your solutions because a lot of companies that I talk to are like, no, no, no, I need to bring that mobile in-house. I'm not going to deal with an agency. I mean, agencies, a lot of these firms like yours would be pigeonholed as, oh they're just like you throw money at them and they do a promotional website and it's not core to my business. Where core competency mobile is. Whether, so the app development process comes into question. So how do you guys answer that? Because more people have to outsource to designers. They don't have the expertise in-house. They can't hire fast enough. So how do they determine an agency versus a real development shop? What's the, how would you, I know it's a controversial question but some agencies just aren't that good. Yeah. I mean, we are positioning ourselves in a place that's sort of in between because we can do the design work like an agency can but we also have all of the experience and expertise to understand how to do the architectural underpinnings as well and so the interesting part is that it depends what organization you're talking to. If you're talking to a CIO office, then they're interested in how do they compliment their existing in-house skillset and if you're talking to a CMO office, they want to work with an agency because they want it to be beautiful and it's important that they're bringing the brand through and so we are on kind of in a nice place where we can bridge the gap in those discussions and so for us, we haven't really had any difficulties because we kind of get to a place where we're looking to make sure that our clients are see us as a trusted advisor and we're bringing enough value to them quickly that we can prove ourselves and they're happy to continue working with us then. Is feature creep a problem, a growing problem with apps now? It seems to me that apps more and more have lots of stuff that I never use. Yeah. Do we have the same problem that we had on the desktop where there's more bells and whistles? I think that is a place where you really do need to be extremely rigorous about your decision making and I don't think that we would condone putting out an app with features that we haven't proven have some value so we do a lot of validation along the way. Have some value versus are used. Yes. Presumably these features actually have use to the 5% of people who want them. Yes. We do friendly user testing so we always ask our clients to help identify some opportunities where we can get early feedback and so yes to your point not just valuable but making sure that they actually get use. So when we do friendly testing, I mean it might be that just to take the retail example if it's a retail app then we would find out when are they going to have an opportunity to talk to the store associates, let them try it out, see if they're going to use the features and we can pay attention to that and adjust based on it. Speaking sort of a related question, speaking retail apps in particular, what are the most common mistakes that you see companies making when they develop their retail apps? Going too fast, definitely going too fast, not thinking about, you can go quickly, you can move quickly but if you develop before you think then you're going to end up with something that isn't performant. It probably has a cluster of different features that might not be functional or useful. I think the other thing that I see a big mistake is content that's hidden, so you have to navigate through multiple different menus to get to the content that you want and not really thinking through the user interaction flows well enough. So the user gets frustrated so quickly, you really can't afford to neglect going through that due diligence at the beginning to make sure you've got the flows down pat. Steve thanks so much for coming inside, you really appreciate it, it's great to get the fresh insight from the outside the IBM family but apparently you guys are all IBMers, founders, is it mostly ex IBMers? No, no actually we have, I don't know, maybe 16% of the company IBMers, so it's not really that much. We have around 100 people worldwide. And where's your main office? Raleigh. Raleigh is our headquarters, yeah. Anything on the west coast at all? No, nope, not yet. We're up in Durham. Gotta come to California, a lot of business out there. You guys work with any startups at all? Do you do any work with young companies or mostly big companies? We do, we have some partnerships that we're exploring. So we love working with other local businesses especially, so we support local businesses in Raleigh. We've been around for 10 years, but we feel like a startup because we pivoted to mobile only two years ago, so yeah. Well thanks for coming on the queue, really appreciate it and congratulations on the throw down. I love, throw that phone down. Yeah, you guys have to vote. Everybody has to vote for us for the pro down, app pro down. You just tweet, hashtag IBM impact app at point source. Hashtag IBM impact app, that's a big hashtag. It is. At point source. At point source, yep. Okay, we're here inside theCUBE talking mobile with Stephanie, we'll be right back after this short break, this is theCUBE.


Cram the Cruiser is a food collection event that was started back in 2009. And Kentucky State Police is involved statewide with this opportunity to serve the public and it's a chance for a little over two weeks that folks can either come by the State Police Post in Hazard or to some designated locations we have throughout the Post District drop off or donate food and know that that food is going to go to help assist families in need during the Christmas and holiday season. From what we've come to determine that's about the tenth year also that Mountain Comp has been involved with assisting us with our food drive. They really step up to the plate and come through in a big way for us. Obviously it's about helping as much as we possibly can but anything that folks can can donate or bring along to our different locations is welcome and so we're just appreciating anything that people can do.


Good afternoon. Welcome to the Vermont House Human Services Committee and today is Tuesday, May 4th and the first part of this afternoon's committee meeting is a walkthrough or explanation by legislative council on what the Senate did to our bill H171, 121, 171, 121, 121, which is the bill regarding childcare. Well, whatever the number is. 171. 171. 171. Sorry folks. Go ahead legislative council. I better stop talking. Good afternoon. Katie McLean office of legislative council. So the just this morning, the Senate proposal of amendment was posted online and I've put together a side by side summary and I was just finishing that up as the meeting started. So I'm going to pull that up and then I will send it to Julie after we go over it and I'm sure Julie will be able to post it. So let me see. Are you seeing a chart? Okay, great. So I thought it might be easier just to go over the concepts and then if you'd like to like the language we could do that as well. But sometimes it's easier just to kind of break it down into smaller conceptual pieces and then seeing the language on the page. So you'll see in H171, this was your child care bill. We have this column that was as past the house. This has a lot of details about what was in your version of the bill. And then of course, the next column is as past the Senate. So right at the top, you had the legislative intense section and you'll see that the Senate's version that they sent back. Although a strike all that section was the same as your version. Similarly, there were changes to the child care financial assistance program, making changes to have the co-mavants be for the whole family versus by child, increasing the upper income limit of the fee scale. And all of those changes were accepted by the Senate and the version they sent back to you was the same as the house version. Similarly, in section three, this had additional changes to the CCFAP program. And those changes in section three were the same as the version you sent to them. So the first three sections are the same. And then we get to section four. And one thing that Senate appropriations did was they tried to take all of the money out of the bill and put it into the big bill. So you'll see that subsection A, which was the appropriation of the 5.5 million from GF to the child development division to implement the child care financial assistance program. That whole subsection has been removed from the Senate version of the bill because the money is no longer in this bill. It's in the budget. So subsection A was removed. Subsection, sorry, section five was the bright futures information system section. This was the technology piece that was needed to implement the changes to the CCFAP program. And there was a subsection A that left the house that said that the funds for the modernization of the bright futures information system was located within the technology modernization reserve. That language was removed. And there was a new subsection A that was put in that says to the extent that funds exist in fiscal year 2022, the Department for Children and Families are to modernize the bright future system. My understanding is that money is in the budget and that they wanted to have a sentence recognizing that there was funding needed for this program and that the department would be directed to modernize the bright futures information system. So that is the change in section five, switching out the reserve for language to the extent feasible and fiscal year 2022. And I'm going to just make a change on my page so I can see my whole document. Okay. Section six was the workforce supports. If you recall, there were three programs set up in the house version of the bill with regard to scholarships for current providers, prospective providers, and there is also a loan repayment program. That language was all left intact. So the Senate version did not make any changes to section six of the bill. Section seven of the bill was an appropriation for the workforce support programs in section six. If you see in this subsection A, you'll see the breakdown of the different financial, the breakout for the different programs, the funding for the different programs. And under the Senate column, you'll see this subsection A was deleted. Again, this is the Senate Appropriations Committee taking all of the money out of the bill. So that section was deleted. The heading of that section was updated to no longer include appropriation. And there was renumbering, but subsection B was retained. Next in the bill was section eight. This was the repeal section for the workforce programs. If you remember, two of the three workforce programs were set to repeal as of July 1, 2026. That language remained the same in the Senate version. Section nine amended the existing section on building bright futures, powers, and duties. The House added language that building bright futures would look at the administration and operation of Vermont's child care systems. And you can see there are three changes made in the House version of the bill. And the Senate kept all of those changes intact. So their version of section nine is the same as the House version of section nine. The next two sections are really where we see the most substantive change from the Senate's version of the bill. So just to refresh your memory, I know it's been a while since we looked at this. There were two sections in the House version of H171 that dealt with funds coming into the state through the American Rescue Plan Act, the ARPA. And there were two, I've been calling them pots of money within ARPA that were directed for child care programming. One was the block grant and the other was stabilization funds. And so sections 10 and 11 treated each of those pots of money separately. So there's a section, section 10, that dealt with the child care development block grant, and then section 11 dealt with the stabilization funds. So in the House version of section 10, the bill left the House having language that directed DCF in coordination with building bright futures to convene a working group. And that working group was to be composed of mutually agreed to stakeholders. And then it went on to specify different stakeholder categories that were to be represented in this work group. And then the work group in subsection B was directed to make recommendations to the General Assembly to ensure that the use of the ARPA funds were effectively utilized to meet the immediate and future needs of Vermonters. And there was this list of all different items that the working group was going to consider. And then language that the working group isn't only limited to looking at this list, they can look at other items, other priorities, but these are lists of priorities that the working group should be looking at. So there is this list. And then a report was supposed to come back to the Appropriations Committees and Subject Matter Committees by November 30th of this year with their recommendations on spending this money. So that language is not in the Senate version of the bill. Instead there is link, the section was struck and in its place there is a report that is due on January 15th of this coming year. And that report comes from DCF to the same committees, Appropriations Committees and Subject Matter Committees describing how ARPA child care block grant funds were utilized. So kind of a change in perspective. So section 10 has passed the House is looking at recommendations for how to spend the money, whereas the language that is coming back from the Senate is a report on how funds were spent. So that is section 10. Section 11 is sort of the, in my mind, kind of the companion piece to section 10 in that they are both looking at ARPA funds. But again, this is a different pot of money within the ARPA funds that are coming into the state. This is the stabilization grants. Similar to section 10, the version that left the House created a working group and the working group was to make recommendations to ensure that the stabilization grants were fully utilized in a timely manner. And by September 1st of this year DCF was to have submitted a report to the Joint Fiscal Committee and to the chairs of Human Services and Health and Welfare containing the working groups recommendations. And upon receipt of this recommendation, the Joint Fiscal Committee was to have five days to approve or reject the working groups recommendations. And if the Joint Fiscal Committee was not going to act within five days, the recommendations would be deemed approved and DCF had authority to distribute funds according to the recommendations. And if the Joint Fiscal Committee rejects the recommendations within five days, it would have to hold a meeting as soon as possible to receive testimony from DCF. So section 11 has been completely deleted from the Senate version of the bill. However, there is language in the budget that is meant to take the place of this section 11, the budget as proposed by the Senate. And that language, while it doesn't have a working group component, it does say that DCF in consultation with stakeholders is to provide recommendations to both the chairs of House Human Services and Senate Health and Welfare and to Joint Fiscal Committee for spending this money. And I believe there's language about Joint Fiscal Committee approving those expenditures and I'd have to put the exact language to refresh my memory on that piece. So a similar concept, but the working group component has been removed and also the component of having JFC act within a certain number of days. Section 12 was a reporting requirement. This was the report on the attendance-based model versus the enrollment-based model that DCF was going to do. The Senate did not make any changes to this section. So this is the same language that the House sent over in section 12. Section 13 was the systems analysis study. There have been some changes here. If you recall, the House version that required Building Bright Futures to analyze and make recommendations on this list of items in the report was to be submitted by Building Bright Futures on September 1st of 2022. That has changed. So instead of Bright Futures, Building Bright Futures doing the work, instead we have them developing and issuing an RFP along with the chairs of House Human Services and Senate Health and Welfare to select an independent consulting entity with expertise in child care and early education to do this work. So that RFP would be issued by September 1st of 2021. And then the independent consulting entity that's hired, selected, would be submitting an analysis and recommendations by July 1, 2022, which you'll see is a few months earlier than was anticipated in the Senate version, excuse me, House version. One reason why this date was bumped up was because as you'll see in the next section, which looks at the financing study, some of the dates in the financing study were pushed up. So the idea in pushing the due date for this report up was that the individual who's doing the financing study would benefit from having the results of this system's analysis completed to give the person conducting the financing study, I think six months, to have this final analysis and recommendations to inform the financing study. So then we move to section 14. Here's the financing study. And you'll see that the dates have changed. So we have by January 1st, 2022, JFO consulting, contracting with the consultant in the House version. And then in the Senate version, you have a different date, July 1, 2022, is when JFO is contracting with the consultant. And then under the report section, if you remember, there were preliminary results that were coming in and then final results. And so the House version had preliminary results coming in November 15, 2023, but the Senate has preliminary results coming in December 1, 2022. So you'll see, because this date appeared in section 13 was moved up to July 1, 2022, that the financing consultant now has five months to utilize the system's financing report if they're submitting the preliminary results by December 1, 2022. And then the final report is coming in January 15, 2023. And the only change besides the dates to this section was that the final results would contain multiple financing options for public and private fund, excuse me, multiple financing options for public and private funding sources. So that was a language edition that was made in section 14 of the bill. Section 15 was language that really came from the House Appropriations Committee, and that was language that appropriations from the act that ARPA would be used to fund any appropriations in this act unless it was determined that ARPA couldn't be used, in which case General Fund would be used. And so that language was deleted by Senate appropriations. They took all of the money out of this bill, so this language was no longer necessary. So section 15 was deleted. And then we have section 16, the effective date section, and all of the effective dates have remained the same, although I'm seeing that we struck out section 11 and we still have an effective date. Let me check the Senate proposal amendment to see if it was caught on the actual proposal. So that brings us to the end of this. Excuse me, Katie. Carl, Representative Rosenquist, has a question. I was really just waiting. Katie was just done, so I had a, and then it's a sort of a general question. I probably should know the answer, but what is the advantage of money being taken out and putting in the budget? It seems a lot clearer when the money is in the bill that we're talking about these different things. I've never understood why they take money out and put it in the budget instead. I think you'll have to ask Senate appropriations for that. I might suggest it has something to do with their wanting to be, their wanting the appropriations committee to be in charge of all of the negotiations as it relates to funding of things in case there's a difference. I see. So it's more of a negotiating tactic than anything. If it goes to, I'm just curious about the overall thing, not necessarily specifically about ours, but in general, when they move something to. No, no, that's it. It's a good question. I've been a legislator for a while and this seems to be a new in the last couple of years process. It reminds me of the federal process where you and in some other states where they pass bills that basically are meaningless until the budget passes. That's not that's not the case here, but I'm sorry, Carl. No, I was just going to say one final thing in the paper this morning. It says state legislature passes ambitious childcare bill. So they think it's already done, but obviously we have to approve this amendment. Right. Okay. Thank you. And just so folks know there was the speaker in pro tem had a sort of press availability and I was asked whether we were going to approve the Senate amendment and I said I can promise there won't be a committee of conference and we'll either concur or concur with further amendment. So I made no promises that we would accept it point, you know, without any kind of concerns. But I thought whatever the differences are could be resolved that way rather than a committee of conference. Representative Wood, then represent Rumsted. Thank you, Madam Chair. So I've seen the language in the appropriations bill. And I guess this is a question that's sort of along the lines of represent Rosenquist. I don't really understand why we don't have that language in the bill. And because it seems it seems a little bit inconsistent with section 10. At least in my mind, they don't seem to like totally line up and I realize that there's sort of two pots of money, you know, to just to refresh committee members, there's two are pots of money related to childcare. And I realize one has certain sort of strings attached to it about 50% of it has to be spent by a certain date and all of that kind of stuff. So this is more of a question, I guess it's not I'm not I'm not expecting an answer, but that's that seems it seems inconsistent to me without I guess I need to think about a little bit more in section 10. I'll just be frank about a section 10. I'm not okay with section 10. Section 10 just has the department telling us how they spent the money. And it's too much money for there not to be some policy guidance by the legislature. So that's, that's a question mark for me. And then in section 13, the beginning of the section talks about birth through age five. And then later on in the section, it talks about the language that we had, which had it broken out birth through five and then up to 12 in the second. So I was curious about that. And section 11 is still in the effective dates, Katie, at least in the bill that I'm looking at. So those are those are my sort of immediate things that pop into my head. Thanks. Representative Bromstead. I am. Thanks. Thanks. I, I wondered about section 10, whether or not there's anywhere where they are going to any language at all, Katie, where is Katie with us? Oh, yeah. Where they are on. I mean, we had that great list of things for the committee to consider. And so I wonder if DCF might still consider that list was my kind of question. It looks like there's nothing in language. And I don't know what the conversation was, but that would be a question I would have for Senator Lyons or, or whoever. Maybe this was done by appropriation. So it would be Senator Kitchell. It seems like we're sending them off with an, with, with the, we are sending the administration off with a lot of power, even if we just asked them to consider those things that it would make me feel better. The other thing is I heard about new funding for a promising pre-apprenticeship program that was $100,000 in ARPA funds, but I don't see that here. That was added to the workforce development piece, but maybe because, so they're going to designate that one type of ARPA funds to be spent on something specific, but yet they didn't want us to designate some ideas. So I great, Nolan's raising his hand so maybe he can help me on that one. Hi, for the record, Noel and I all joined fiscal office. Yeah. So in the budget in section E318.3, unless anyone wants to write that down, that's where the money for the stuff is. So the seventh or 700,000 for the current prospective early childhood providers, they've lumped them together, the 300 and the 400. There's the 1.8 million for the early childhood student loans. And then, yes, there's $100,000 shall be transferred to the Department of Labor with a pre-apprenticeship program and early childhood education provided by Vermont Career and Technical Education Centers. So that made me think maybe there's a way for us in the work that the appropriations, our Appropriations Committee is doing to add in, to pull out some money for some of the things that we've put in that list that we think are important just like they put 100,000 towards this program. And it wouldn't impact us concurring. So anyhow, just an idea I put out there. I mean, I do think that we, we, the Royal Way, a group of members of the committee need to connect with Kimberly and around what is happening with the Appropriations Committee since a bunch of this money is, I mean, since this is now in the budget and the house had a different, at the time the budget left the house, they had a different process for expending or deciding where to expend ARPA funds than what the Senate had. And I don't want to speak for the Appropriations Committee because I have no idea whether, as time has passed, they have shifted how they want to do that. And to follow up, you have Stephanie coming in on Thursday. And she could also help you understand what the Senate conversations were around this. Good. Thanks. Although, although we might have to get her in early, we might have to do some work with her earlier or, or delay, just because, just because I said on the floor of the house that we would know what we were doing by Thursday afternoon, we can always delay. Representative McFawn. Thanks, Madam Chair. I too have a problem with Section 10. Pretty much the same problem Teresa has. We spent a lot of time on that. And we just to say, tell us how you spent it doesn't, doesn't go with me. We were semi specific, but I thought very deliberative in that section. And just to wipe it out, I'm not, I'm not agreeable to that at all. I also, I have to read it again in terms of Section 13 and 14, their changes. It appears it's changing and changing dates and moving things up. And I think we were told that it couldn't be done in that period of time. And that's why we set the dates the way we did. But I want to take a closer look at it. But in Section 15, they're talking about both the general fund money and the aqua money. And I'm saying, okay, it doesn't specify where the money is going to come from. You know, I think in the budget, but what money are they using? Well, we have, we have the money expert. Now with money expert, he was next to you, but now he's at the bottom that perhaps can answer that question. On my screen, I'm on the top, just for the record. I'm right next to you. Oh, you're in the, you're in the, you're in A1 cell there presented on the funding for the studies, the dates removed up. If I recall part of the reason, I mean, yes, there was conversations earlier on around timing. There was further conversations about timing, but I think also part of it was that this committee was not to spend money in fiscal year 22 and put it off for 23. That might have been part of the conversation as well. And the Senate felt that it was important enough to move the dates up. We worked with them to try to come up with a timeline of, okay, that the building bright future study would be done. And then Jeff, I would have that study to build on when we did our, so that was part of the conversation and the timing. So they were willing to spend the money and we had had further timing to think about how those pieces would fit together. So that's kind of why the timing, maybe Katie could fill in a little bit more. She was there as well, but Katie, can you help us? I think a lot of Nolan, I think a lot of the conversation was wanting the information from the studies sooner and looking what was feasible in terms of moving up the dates to get the financing study faster. So there was a lot of conversation with JFO about how to make it feasible to kind of accomplish both goals of getting the information, you know, the financing study completed earlier and creating a timeframe that was workable for getting an independent consultant on board and giving that person enough time to complete their work and to have access to the other, the completed section 13 study to inform that person's work. And then on section 10, that I believe that change was made by Senate appropriations and not in Senate Health and Welfare. And I think that had, well, I'll let them speak to why they did that, but I think timing might have been part of it as well as well. I'll let them speak to it, or Stephanie might be able to speak to it. Okay. Chopper, do you have another question right now? I do. So then we as a group would assume that in section 14 that JFO was 100% okay with moving the dates up. Yeah, we're fine with that. It was, I think our earlier, earlier versions where you were going to have us doing it by this year, but I think we were having those conversations preliminary. But I think the current language of current timing works for us. All right, okay. We could do it. That's fine because in the original one, we were making sure that you could get it done. Yeah, I think earlier conversations where the timing was too soon and then we pushed it off two years. Okay. The timing that works in the bill now is, it works for us and it works the way that we can build off of the other study. Okay. And then section 15, where does the money come from? Section 15. So I'm just trying to keep up with the various. Well, and that was the the piece that House of Appropriation originally added that ARPA funds were to be used unless they couldn't be used in which case general funds were to be used and Senate appropriations took section 15 out because all of the money was taken out of the bill. So I think the question is we're no longer specifying where in this bill where money is coming from because there is no money in the bill. Yeah. And so the five million that was in the first part that was in the governor's budget, that's put in the base. And then the other stuff I said, like I said, that's all on section E318.3. Except I take that back. The workforce stuff is in section E318.3. And then the building might break futures appropriation is a one-time money. Okay. We might want to write this down too. It's in section B1106A7. And that's basically that's basically a section is basically all one-time general fund appropriations. That's money to hire the independent consultant. Okay. And so in section 13, Nolan. I'm sorry, what's that? That's the money to hire the independent consultant in section 13, correct? Yeah, that's the building break. That's the building break futures, correct? Tapper, is your hand still up for? I don't know. Not now. Jessica, and then I want to give, no, we have Nolan for like five. You have me for five more minutes and I have to go away. But I can come back. You're still. So I just have a quick follow up to Nolan before you leave. Is, so I thought building bright futures, the $261,000 was base budget to the base budget. In the Senate budget, they have it in time. So this is this is 200. I don't know about the 261. This is the 200. That's for the systems. Right. That's the systems analysis. But the 261,000 is to the base budget. And it looked to me like that's in the budget too. Did you think that can be too? Well, that wasn't in this bill. So I'm not sure I haven't followed it. It's in, it's in section. Let me see. Building bright futures. I don't believe that was in the spell. Yeah, it was. That was a big win. I remember. You know, March was like years ago. Yes. I guess it's in the regular, it was in the Senate house proposal. I mean the human services, the health and welfare, sorry. I've got so many bills sitting in front of me, but I don't see it. I'm looking at my previous bills and I don't see the 261. So Jessica, was it actually part and parcel of H171? We're hearing probably not, but what was it in fact part of the house past budget? Yes. And when I talked to Kimberly, she thought it was in the appropriations budget as well that they had put it there. Right. So that wouldn't be here. Okay. It would be in, so that's something, that's the next part of what we have to focus on, which is our parts of the budget. But right now, we're just looking at what was actually, how H171 differs from how it left us. Okay. Okay. Okay. Nolan, before you leave, and he's left. No, I'm there. Oh, okay. Before you leave. Folks, we have, he has sent us an updated or a revised joint fiscal, I mean fiscal note based on the Senate version. Are there, is it too much to start going over? Should we have you go over it another time? Well, I just sent Sorsha email finding out if I have more time with you guys. Oh, hopefully, because if Ways and Means is running behind, it looks like they're still going on education. So I can start if you'd like. Okay. Well, let me, let me first ask, because both of you and Katie have hard stops. Do we have other questions right now for Katie? Because Katie has a hard stop as well. Katie, thank you for the side by side. And if you send it to Julie, it will be on our committee webpage so we can take a look at it as part of our homework and things like that. And we'll be circling back to it after we look at it also tomorrow morning. And so, Katie, you know, if you need to run and do other things, feel, please do. Okay. Thank you. I'll see you tomorrow morning. Okay. So Nolan. You get me for five more minutes, but I was quick. So if, oh, Julie gave me access. All right. Let me just pull something up real quick. I'll find it. There it is. All right. Do you guys see the fiscal note? Or you see? Yep. Okay. So if you guys, if you go to the fiscal note and go to the last page, I have a little chart. And I think this lays it out. I hope it lays it out cleanly. So you can see that, you know, for the CCFAP stuff that was in section two and three of your bell, that's in the budget. On the Senate side, the scholarships, the two scholarships, the 300, the 400,000, for a total of 700. That's now in section E318.3 of the budget. And they've lumped those together as are the 1.8 for student loans. That's also in section E318.3. So that's all there. And then the systems analysis study is in one-time money. And that's in section B1106A7. And essentially, what I would say is that in terms of my fiscal note, there's only really a $200,000 difference in that they funded the Building Bright Future in 22. And your bill, you had not, in you, it's up to structure for how ARPA, because you didn't have all the information you needed at the time around ARPA. And so I would say, really, all the money is there, except they added a little bit more. And then, of course, there's language, which you have talked with Katie about the difference, which is the other area. But in terms of the money, it's all there, one form or another. And they didn't really tinker with the scholarship at all in terms of the language. And then they tinkered a little bit with the system analysis study and the financing studies, but essentially, the money sections remain intact and $200,000 more. So Nolan, I don't remember. When we passed H171, did we leave off funding for the joint fiscal office financing study as well? I see that as amended by the Senate, we'll have to make that appropriation next year. Did we do the same thing? Yeah, you had it pushed out even farther. Okay. So they moved everything closer. Again, I think the conversations were around timing and funding. And I think part of it was the conversation was still evolving when we were having this discussion, your committee, and I think that it evolved further in the other committee. And there was a big push to get everything sooner. And the funding was there. So thank you. Mike, two seconds. I hope that was helpful. It's very helpful. It points out those things. And I think that it can give us a start of where we want to have a conversation and who's going to do what kind of research and who do we need to talk to. So thank you, Nolan, very much. Glad to help. And thanks for being so available and anticipating our needs by saying, I have a new joint fiscal note. So thank you. So committee, if I recall, it was Jessica and Topper and Teresa who were our team on this bill. Am I my memory correct? So I think we need to do some figuring out around what some of this means. And I'm wondering who wants to talk to maybe Ginny. You'll have to talk louder than that, Jessica. Yeah, sorry. I'm happy to do that. I can talk to Ginny. I also maybe we could set up a time for the three of us to meet with Kimberly. I feel like it would be helpful for us to do that before we talk to Ginny. Okay. Just to make sure that we all are understanding what we think that we just went through and heard and sort of seeing where they're at. Yeah. I think that would be helpful. I may be unnecessarily complicating things, but since this has to do with ARPA money and the house at one point had passed a budget with a way of how the house was going to deal with ARPA money, I would ask, we need to get from my point of view clarity from appropriations that were in sync. That we're not saying, oh, this is horrible when appropriation says this is the kind of thing we're going to do in terms of some things or not. But in terms of what folks have heard thus far, what are your, I mean, we've heard from Teresa and we've heard from Topper. What are some other and from Jessica around some questions or concerns? What are other questions or concerns we have? Madam Chair? Yeah. Yes. I haven't looked through all of my emails, but I know there's one from the administration and there's one from the community action agencies. And I want to, they're both quite lengthy. I've read both of them, but I need to read them again and absorb them. Okay. So I think the three of us need to look at them and understand what's going on there to make sure that we're, we understand what they're talking about and also understand what we had intended in 171. Okay. And to see if it's in that bill. Okay. I haven't looked at my email to see if I have those as well. But thank you. I think for me, it's on the, I understand what you're saying, Madam Chair. For me, it's not as much about, you know, the Appropriations Committee, I don't know, from my perspective can figure out with Senate appropriations how they want to spend and where and if it's going to be general fund or if it's going to be our part of all that kind of stuff. That is not, honestly, not as much of a concern for me to make sure that it's the things that we intended to fund or fund it in. That appears to be the case. And then the second thing is really about community and stakeholder input about how this massive investment and resources would be spent. And I, you know, there's that piece that's in the budget, but that's only part, it's only half of the money. It's not all of the money. And so, you know, that would, that would be just on first blush, sort of the biggest thing for me. But like Topper said, I have to go through and read, you know, compare what passed out of the house, you know, word by word, I really appreciate what Katie did on the side by side. That's very helpful. But we have to also look at the language and the budget and make sure all the pieces fit together. Okay. Yeah, I agree. It's going to take some, I mean, we've got the side by side from Katie and the Senate passed 171. I think it's in our, if not on Fridays, it's in today's calendar. The budget, I'll probably look on Joint Fiscal Page to find it in terms of that. So this, I mean, this will be one of our, probably our biggest figuring out between the House and the Senate, between now and the end of the session, this and then looking, making sure we're seeing what happened to our recommendations that actually made it through the process in terms of the budget, what happened to them on the Senate side and things like that, just so that we know where things are. I want to say, and other than that, the Child Youth and Family Advocate Bill seems to be solidly in rules despite the fact they had said that they wanted it and wanted to work on it. And I'm not quite sure what's happening with buprenorphine. If you listen to the press, it seems like it was going to be moving. It still seems to be in rules. So we'll just see what happens. That said, in terms of the whole general concept of prescribing buprenorphine, the federal government has made some changes in who can prescribe buprenorphine. And prior to this time, any a physician and whatever who wanted to prescribe buprenorphine had to take a eight hour course or whatever, and then maybe other health care providers who can prescribe had to take a 24 hour course of study, and that has been changed. The Biden administration has lifted those restrictions and lifted the restriction that the providers have to in the providers offices, the physician and provider offices no longer have to indicate that they have counseling available or something like that. So I guess the point of doing that was to ensure that buprenorphine was going to be perhaps more readily available through doctor's offices and other prescribers. We'll see what happens. And then Teresa, I don't know what's happening to the bill that you reported. Because the Senate committee seemed to be the Senate morning committee seemed to be slowing down. That's all I've got to report, Madam Chair. That's what you said. Okay. Much to my dismay. Okay.


So until that first red day shows up, until bow goes to the club you do not size in because your pattern is not there. Trading is about pattern recognition and when you're in MIC as an MIC member you guys are all seeing the patterns are the same every single day right? Some patterns have a lot of edge, some patterns don't have too much edge and that's the key with trading.


Fin shi hwab,  entries to ar kitabu al pretukot se  ālā lā jidam gron .  Ži ʸi ʸat ʸu ʰakot ar jidam shi ʸi ʸi ʷi ʸu ʸu ʸu ʰakot ar ʸi ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu ʸu  lordre tan stan lìu zàkòd, fèste vaykànthà xàkòd, dan the Secretary of State for the Colonies and a very good friend of Lord Lugard with whom the 1914 Amargamation was perfected against the advice of some in the colonial service and some educated natives like Shapara Williams. Its main purpose, and I repeat, its main purpose, the main purpose of founding Pothaqsqu was to a spot the coal that was discovered in Enugung by geologists about Ernest Kiston in 1909. You see the infrastructure that we are providing in those days was essentially to get resources out here. The colonial government took over the land of the people of Diobu and construction of the port town began in the same year. Over time, other nearby villages like Orowo Ruko, Orome Ruk Zinbu, Ngpogo and Rumo Masi were absorbed into the city. The creeks to the south of the original port were inhabited by the fishing camps and grounds of the Wakirike Ijogru. During the First World War, Port Akwat was used as a base for military operations against the central powers in German Kamerun. Then in 1956, crude oil was discovered in Oloy Berry and Port Akwat exported the first shipment from Nigeria in 1958. That's when the city became the oil capital of Nigeria. The growth of Port Akwat was also due to its position as a commercial engine room and foremost industrial city of the former eastern region. Its location in the Niger Delta and its significance as the center of social and economic life in the river state. After the Republic of Biafra seceded from Nigeria in this system Port Akwat fell to Nigerian forces on 19 May 1968. The city expanded dramatically from 15.54 km radius in 1914 to 360 km radius in 1980. I am Bola Oba.


إن الحمد لله نحمده و نستعينه و نستوفره و نتوب إليه و نعود بالله من شرور أنفسنا و من سيئات عمالنا من يهده الله فلا مضللا و من يضلل فلا هاديلا و شدوى الله إلا الله وحده لا شريك له إله الأولين والآخرين و قيوم السماوات والأراضين و خالق خلق أجمعين لا رب سواه ولا معبود إلا هو جل في علاه و شد أن محمد عبده و رسوله و صفيه و خليله بلغ الرسالة و أدى الأمان و نصح الأمة و جاهد في الله حق جهادي حتى أتاه اليقين فما ترك خيرا إلا دل الأمة عليه ولا شرظا إلا حد رهام فصلوات الله وسلامه عليه و على آله و صحبه أجمعين أما بعد إن شاء الله تعالى today I want to speak about I want to base the reflection on sit to منجيات 16 that will save you من فتنة الدجال that will save you from the jail the Antichrist the Prophet صلى الله عليه وسلمه he told us in the hadith that Imam Muslim narrated in the Sahih من حديث عمرار ابن حصين رضي الله تعالى عنه the Prophet told us in his hadith ما بين خلق آدم there was nothing between the creating of Adam إلى قيام الساعة until the hour strikes أمر أكبر أماتا greater أمر أكبر من الدجال greater than the jail from the day Allah created Adam until the hour there is nothing greater in severity and danger and fitna than the Antichrist jail ألمان محاكم he narrated in his Mustadrak and the wording is his that the Prophet صلى الله عليه وسلمه he said fitnatun a child and tribulation أكبر عند الله greater to Allah من الدجال than the jail أعني there is no fitnat greater to Allah than the jail and one of the signs of the jals coming is when the people don't speak about him on the pulpit as the Prophet said on the member the people they stop talking about the jail and when they stop talking about him this is actually a sign that he's coming is very soon and it's the signs of the jals coming so the jal is what he is from the أكبر الفتن وعظمها وأشدها it's from the greatest trials and tribulations from the greatest calamities so what is it upon every Muslim to come with since the jal is going to come is that the person is upon Heather he takes precautions he be careful he is careful and that he follows these prophetic advices that the Prophet صلى الله عليه وسلمه gave us I'm going to mention 16 that every single person needs to do that if the jal comes Allah will protect you from him سبحانه وتعالى the first one of it is that you increase in seeking refuge in Allah سبحانه وتعالى from the trials and tribulations of the jal our Prophet صلى الله عليه وسلم has commanded us to do that and that is seeking refuge in Allah should be focused at the ending of the prayer المامو البخاري المسلم both narrated in the صحيح من حالية أبيه ريرا رضي الله تعالى عنه that the Prophet صلى الله عليه وسلم has said إذا تشهد أحدكم if one of you does his تشهد فليستعد بالله من أربع then they should seek refuge in Allah from four things and the Prophet said he should say اللهم أو الله إن أعوذ بك I seek refuge in you من عذاب جهنم the punishment of the Hellfire ومن عذاب القبري and the punishment of the grave ومن فتنة المحيا والمماد the trials of living and death ومن شر لي فتنة المسيح الدجال and also the trials and tribulation of the Antichrist the jal ومن أهل العلم ستش الشيخ الإسلام إبن القيّم رحمه الله إنه كتاب تهديب السنن he brings that it obligatory to make this dua that is what? it's obligatory to make this dua إسمعي لبن يحي المزني لبن يعقوب البويطة and others they bring that it's obligatory they mean أي متشافعية that the person has to say this dua that it's obligatory why? because the Prophet said إذا تشهد أحدكم فليستعد والأمر تقطض الوجوب the command of the Prophet صلى الله عليه وسلم أشهد what? it's an obligation unless there comes an external evidence that diverts it from that obligation so some scholars they said that there is no other evidence to divert it from that obligation and the jungour أهل العلم are of the opinion that it's it's highly recommended that the person does it so the first thing the first منجيات is to see the refuge of Allah from the fitna of the messiah الدجال the second منجيات from the fitna of the messiah الدجال is the second thing that will save you from the trials and tribulations of the djal is حرص المرأ that the person strives على البوعد to be as far from فتنة and anything that might cause it or lead to it و لذلك أحمد رحمه الله narrated in his musnad and others have also narrated that the Prophet صلى الله عليه وسلم he said من سمع عبد الدجال anyone who hears of the djal and they find they hear that the djal has come out the Prophet said فَلْيَنْ أَمِنْهُ then run away from that surrounding in that place if you hear that the djal has come out don't run to him run away from him try to be as further as you can from him فَلْيَنْ أَمِنْهُ الراغب الأصبهاني in his مفردات القرآن صاحب المعجم مقايس اللغة they said فَلْيَنْ أَمِنْهُ they said فَلْيَنْ أَمِنْهُ means فَلْيَبْتَعِدْ مِنْهُ be as far as you can from him العلامة الفقيه محمد المصالح العثيمي رحمه الله he says that this is not only for the djal it is also for everybody who calls to his guidance because the comparison here is the djal will beautify the speech for the people and he will speak in a very inelequent way and he would even come with proofs and evidences and the people will become mind-boggled with what he presents and so he's going to fool them and so anybody who calls to his guidance or who places doubts in the people's hearts will also use the same method as well and so as much as he needs to be as far from the djal and he's surrounding will also be far from the other djal that will come before the great djal the prophet told us عليه الصلاة والسلام سيكونوا في أمتي it will become and they will come out in my أمة دجالونة كدابونة other djals who are liars so the person stays far away from those people anyone who will call you to doubt for matters those who will stick to the ambiguous verses and will not take it to the ayat الله سلم القرآن هو الذي أنزل عليك الكتابة منه آيات محكمات هون أم الكتاب وأخر متشابهات فأما الذين في قلوبهم زيغ فأما الذين في قلوبهم زيغ فيتبعون ما تشابها منه بتغاء الفتنة وبتغاء تأول وما يعلم تأوله إلا الله والراسخون في العلم يقولون أمنا كل من عند ربنا وما يتذكر إلا أولو الالباب those who have زيغ deviation in their heart they are going to stick to the verses which are ambiguous and they are going to dismiss those verses which are قليخات so when they come to you they are going to bring you those verses which are ambiguous and they will make it look like that is the ayat which are محكم so the person he stays away from it today if something happens in social media the majority of the Muslims today instead of running away from it what do they try to do they watch it they look into it I just want to know I just want to see what took place I just want to know what happened ولي ذلك العلمة ابن القيب رحمه الله he mentioned that this would only be able to work from it would only be able for a believer to run away from dajjal he said that when he makes sure that he trains his nafs لابد فيه من رياضة اللي النفس that he trains his nafs قبل ذلك على البورد على الفتن والبورد على الدجاجلة the person has to have trained himself in advance to stay away from anything before so that when dajjal comes you've already trained yourself not to run to him but if you're a person who's curious who always wants to look into things الحمد لله this won't harm me I just want to see I just want to know and then you tap and you look into it then when dajjal actually comes when dajjal actually comes then most likely you will not run away you'll run towards him it's the same curiosity that's going to take you to want to see him ومن أعضم المنجيات also from the greatest things that saves a person from the fitna of the dajjal is الحرص على تجديد الإيمان the person strives he puts every effort that he has to always revive his iman and that he strengthens his iman because the mu'min the believer الله سبحانه وتعالى saves him from the fitna and الله تبارك وتعالى protects the believer the prophet صلى الله عليه وسلم he told us in the hadith of Imam Muslim narrated in his Sahih that the dajjal is going to come and is going to travel to the lands and الله تبارك وتعالى is going to protect him from entering Makkah and Medina and the path to Makkah and Medina الله is going to place ملائكة يحرصونها they will save God the path to Makkah and the path to Medina so what would he do الله تبارك وتعالى he said sorry the prophet صلى الله عليه وسلم said فترجفوا المدينة ثلاث رجفات مدينة it will receive earthquake three times يخرج إليها after that three earthquakes a group of people who are in مدينة who will stay in Medina and will stay in there three types of people will no longer be able to stay after that earthquake sorry two types of people will not be able to stay in Medina after that earthquake who are they كل كافيرين ومنافقين every disbeliever and every hypocrite they will be taken out by that earthquake they will run away so when they run away the only people who are going to be in مدينة آهو the believers so the iman is what saved them from coming out of Medina Medina is protecting now from the Jal also the prophet صلى الله عليه وسلم he told us يقرأه the prophet told us that the Jal he has مقتوبون بين عينه بين these two eyes there is a writing on it which is كافير it is written on there the prophet صلى الله عليه وسلم he said يقرأه كل مؤمن every believer will be able to read that every believer يقرأه كل مؤمن every believer will read it the prophet said كاتبن وغيو كاتبن whether he can read if he is a literate or an illiterate a person he can read it it is through his iman he will be able to read it he would see what is written in between the eyes of the Jal he can read it any disbeliever any disbeliever whether he may be from من أحد الناس وعبصره whether he be from those who have the sharpest eyes who picks up little details whether he be from the disbelievers who knows how to read and write fluently he won't be able to read that day what is it that saved and allowed the believers to be able to read what is written between the two eyes of the Jal the iman so he will be able to read the iman so iman is what saves you from the trials and tribulations it allows you to see him for what he really is and then to be able to stay away from him the believer الله سبحانه وتعالى is going to what he is going to enhance his sight and allow him to see him ومن المجياتي كل شيء that saved you from the Jal is to strive hard and to put every effort that you have in coming with righteous deeds وطاعات الزكية and coming with purifying obedience and to strive وحرص التقروب إلى الله to strive to get closer to Allah who is بالعبادة this is what will save you from the Jal the prophet صلى الله عليه وسلم he said in the hadith of Imam Muslim narrated in his صحيح بادر بالأعمال ستن the prophet said strive with righteous deeds for six things these things the righteous deeds that you come with it will protect you from these six things at the Jal number one righteous deeds it helps you from the Jal ودخان and the smoke that will come the day of judgment the smoke that will occur ودابة الأرضي and the beast of the earth there is a dab that is going to come from the size of the hour وطروع الشمسي من مغربها and the rising of the sun from the west وأمر العامتي and the general turmoil calamities that is going to occur righteous deeds will protect you from that وَوَيْصَةُ أَحَدِكُمْ and the mass deaths, deaths, deaths that will take place and the individual deaths that will also take place the people are going to die on large scales the righteous deeds will save you from that that fitna that will keep you steadfast the Prophet صلى الله عليه وسلم حليتة لمام البخاري ونريت من حليته مسلم ربي الله تعالى عنها the wife of the Prophet صلى الله عليه وسلم she said إستيقض رسول الله the Prophet woke up ليلة فزيع he woke up one day in a state of shock and he was saying سبحان الله ماذا أنزل من الخزائل what is it that Allah sent down from the treasures وماذا أنزل من الفتن and what is it that Allah has sent down this night trials and tribulations he sent down من يقض صواحب الحجرات who is going to wake up the inhabitants and those who were residing in this house they were referring to who يوريدو أزواجهو they were referring to his own wives who is going to wake up my wives for what لكي يوصلينا so that they can go and pray who is going to wake them up and wake them from their beds so that they could what so that they could pray praying is a righteous deed and what has come down that night was fit and trials and tribulations and the praying and the righteous deed is what saves you from that trials and tribulations that night was sent down also from the things المجيات المفتنة from the things that will save you from the trials and tribulations of the jail is أن يعرف المرأ that the person takes time out to know the characteristics and the reality of this individual the jail and that the person lands him على ضول كتاب والسنة in light of the Kitab and the Sunnah what did the Quran say about the jail what are his description and how does he seem like and what is he like the Prophet ﷺ told us ما بعت الله من نبي الله did not send out a prophet إلا أن دراء except that he wants his people from whom الأعوار الكتاب he wants them from the Wouth of the Wards إنه أعوار he is one that has one eye وإن ربهم ليس بأعوار and your Lord is not one who is Wouth مكتوب بين عيينيه كاتر in between his eyes بين هؤلاء هؤلاء ، ماذا يكتب؟ كافر يكتب فيه. وماذا هذه الحديث يكتب مننا؟ ربما أن دجال هو أعور ، one-eyed ، ولكن لأنه one-eyed ، لا يعني أن هذا الجانب الثاني ، لا يوجد اعور ، فقط هذا الجانب لا يعمل. كيف تعرفت ذلك؟ لأن النبي صلى الله عليه وسلم مكتوبون بين عيني ، بين هؤلاء هؤلاء ، كافر يكتب فيه. لذلك ليس like he has one-eyed in the middle. ونحن لا يوجد اعور ، يعني أنه only one-eyed ، ولكنه يوجد another eye on the other side. لكنه لا يستخدم ، أو لا يعمل له. مكتوبون بين هؤلاء ، كافر يكتب فيه.  لا يوجد أي one who is going to see Allah in this world. لذا if somebody comes up to you and says he is to I am Allah and that you are seeing this person then you need to know is that you will only see Allah in order to die first.  لذلك النبي صلى الله عليه وسلم يكتب for the companions the reality of Ad-Dajjal. ما هو أيضا محتوى for the person to come with in order for Allah to protect them from Ad-Dajjal is حضر to memorize the ten verses the first ten verses من صورة الكافر that the person memorizes them. ففي صحيح مسلم. في صحيح مسلم عن نبينا محمد صلى الله عليه وسلم و رفع محمد صلى الله عليه وسلم وسلم من حفظة anyone who memorizes عشرة آيات ten verses من أول صورة الكافر from the first parts of the first ten verses of the first ten verses of the first ten verses رصيما من Ad-Dajjal then that person will be protected from Ad-Dajjal. also an Imam Muslim narrated من حديثنا و واسدنا سمعان the hadith is very long the Prophet صلى الله عليه وسلم he said in this hadith the hadith is long and he talks about the fitna of Ad-Dajjal in the hadith the Prophet said فمن أدركه anyone who is in the time of Ad-Dajjal and reaches Ad-Dajjal مينكم فليقرأ عليه فواتح صورة الكافر then that person should read the first parts of Surat Al-Kafr anybody today who sits down and opens Surat Al-Kafر and he ponders over its meaning the benefits that he takes from it and the meanings that he takes from it is that the person gets to know الله سبحانه وتعالى it starts by saying what الحمد لله praises to Allah and as soon as Allah says الحمد لله what does he say after that straight after that what does he say الحمد لله الذي أنزل على عبده الكتابة the first ayah talks to you about 3 things the first of it being الله سبحانه وتعالى الحمد لله الذي أنزل على عبده his message جنبي الله المحمد على عبده الكتابة the Quran straight away the person has been spoken about the 3 fundamental things about our our belief and our religion 3 things that the Jal cannot come with and 3 things that the Jal doesn't have so when the person reads it they benefit from it also what is mentioned in the beginning of Surat Al-Kafر is the story of a righteous people and these righteous people were youngsters they believed in their lord الله سبحانه وتعالى and Allah increased them in guidance so when you're young Surat Al-Kaf is a very powerful pondering and contemplation for you I ask Allah سبحانه وتعالى رب العرش العظيم the lord of the heavens and the throne that he protects us that he protects us that he protects us that he protects us that he protects us from the Jal and that Allah تعالى also protects us من الفتن ما ظهر منها وما بطن that Allah protects us from the trials and tribulations that which is apparent and that which is hidden and as we always say these reflections are meant to be a short and concise the best of speech is that which is short and also it gets to the point anything which I have said that was wrong but incorrect is from me الشيطان and Allah his messenger are free from it سبحانك اللهم الحمد للحمد أشد الله إله إلا الله أستغفر كواتوب إلي