و أقولوا في القرآن ما جاءت به آياته فهو الكريم المنزل و أقولوا قال الله جل جلاله والمصطف الهادي و لا أتأوّاله أسأل I really want to get married but I wear an Qab and it is not possible for me to speak to people openly is it permissible for my mother to ask someone questions in a public setting on my behalf how else can niqabis find potential husbands whilst maintaining their shyness الحمد لله رب العالمين والصلاة والسلام على عبد الله و رسوله نبينا محمد و على آنه و صحبه أجمعه I think the fact that you wear a niqab is not the real issue of being able to speak to people openly or the problem in finding a person for marriage I actually think that generally it is the general modesty of the Muslim woman and the hijab in general as a whole the whole concept of the hijab which means that it's not really practical that you come across someone in a public setting and then you judge them by their looks and you ask someone to speak to them or you introduce yourself to them so I think that the whole idea here we need to sort of go back to how we approach someone for marriage so the first thing is to understand that in terms of marriage born very very generally speaking and in a very summarized way you are looking at the brother's religious commitment you are looking at his character and you are looking at his compatibility with you now in that sort of situation how do you go about finding the right kind of person so there are really several possibilities here and I'll just mention a few of them one is that you do come across someone now I don't think that someone you just walks across your vision so to speak but someone that you find out about it could be that you have a brother who is studying and someone is studying with your brother for example your brother mentions that he is and so on it could be that you hear of that brother through you know a lecture or whatever and you hear of that brother I don't think it should be something where you just judge it on what you see but you know you find out more about them you become aware of them so that is one option when that takes place it's really important that it is the wedding that should find out more about your potential spouse it is the wedding that should be finding out more now that would normally be your father if your father is not available or your father is not there to be able to do that then it would be ideally someone that your father had appointed from your close relatives like a brother for example and there are some situations in which a person doesn't have a wedding at all in which case the wedding might be appointed for them by a person of Islamic authority so that's something to you know sort of without wanting to get into too much of it too many of the details there but the wedding is the one that should approach the wedding is the one that should go find out now the fact that you are wearing the car obviously it is something which is even further helps to protect that modesty and shyness so it's not going to be the case that you're going to approach that person yourself and even if you were to be in the same space as them to walk past them on the street they would not look because of the the fact that you're wearing the proper hijab and the complete hijab so it's not that's not the purpose is not for them to see you or something or to take notice of you but for your wedding to discuss the option of marriage with them it is okay for you to find out more about them through people so it might be that like I said you have a brother who studies with them or something like that or you know their sister for example you know the potential spouse's sister for example or you know the potential spouse's mother for example and you in a way that is you know female to female and obviously male to male you find out more about that person to find out if they might be suitable and if they might be interested in getting married but again ultimately it's going to be the wedding that manages that and takes care of that approach other ways could be for example asking friends, family members, relatives to help you suggest to you people and this is different from getting you married you know different from them just getting you married but the idea is that they look for people that might be suitable for you and they suggest this person might be suitable for you this person might be suitable for you what about this person what about this person and again they can tell you about them you can learn more about them you can ask a few things but ultimately it's going to be the wedding that's going to take care of that finally one of the ways that I think is is an excellent way and I thoroughly approve of it is to use websites or marriage services which are Islamically acceptable now I don't mean chatting I don't mean dating websites I don't mean unestablished marriage websites I don't mean things with photographs I don't mean things where people meet up or chat but what I mean is websites or services where marriage profiles are shared so for example a brother fills out I'm a brother 25 years old earning this much money I work in this job I live in this place and I'm looking for a a woman to marry who has these characteristics and so on and maybe write a bit about their hobbies and likes and dislikes and the profiles are shared online and what that allows a person to do is to look through many many profiles of suitable people usually you would suggest an interest like say I'm interested in this profile and then they would also look at your profile and say yes I'm interested in this profile when the two profiles come together that both are interested it should again be the wedding that gets involved it shouldn't be the case that it is the girl speaking to the guy or an email or a chat but it should be the wedding who approaches that particular brother who we already know is interested in that sister and we already know that sister is interested in that brother in a general sense they can find out more in terms of obviously with the niqab at some point and I don't think it should be right away but as the discussion progresses and there seems to be religious commitment and character and compatibility at some point it would be the right of that potential spouse to look at you without your niqab and again that should be managed by the wedding and the wedding should take care of that whereby he would see you without obviously adornment or makeup or anything like that but he would see you without your niqab in order to be able to look at you and to be able to sort of help him to make that decision as to you know how to take the marriage forward or whether to take the marriage forward so I hope that has answered the question generally speaking I just mentioned three of the ways that people could potentially find spouses one is to just come across someone to become aware of someone one is to ask friends and one is to use a marriage service which doesn't share photos doesn't allow chatting and doesn't allow the men and women to meet up together that's what Allah made easy for me to mention and Allah knows best wassalatu wassalam عالم البيئة محمد وعالم الهلية صحبك اجمع if you have any questions you'd like to see answered as part of this series then you can email us at questions at amau.org


The most obvious way to extract the energy from the Sun is to use the solar radiation. And this is a huge energy input on the order of about 10 to the 5 kW striking the Earth's surface. About less than a thousand is usable due to mountains, oceans, and so forth. And we're only using about a fraction of that even by 2050. So this is a very abundant energy source. However, the Sun is not without problems. It only shines about half the time and it doesn't shine everywhere. Even if you think about a statewide Texas, for example, how many people call Texas? Do you see Sun all the time? Maybe not into someone when they're under storm and so forth. So when you have loss of solar coverage, then you have the problem of solar electricity ending very quickly. If you have cloud coverage, your power can drop by 80% in a matter of few seconds. So this is one big driving force for establishing a way to store the electricity that we generate for renewable sources like the Sun. Wind has exactly the same problem. If the wind doesn't blow all the time, if the wind stops blowing, then you have to have other, what we call peakers, coal-fired power plants in order to make up for the demand. So if you look at some of these control centers for power generation, they're actually watching weather patterns.  So we need to cut down generation for coal-fired, and there's no wind, we have to boost up the coal-fired. So the ability to store electricity even briefly, maybe on the order of a day, will make a huge difference when it comes to realizing carbon neutrality. The second driver is human mobility, more specifically sustaining it. So if you look at a lot of the developing countries, they're striving to be more mobile. You think China, India, and so forth. But of course, kind of a funny thing, if you look at a lot of the developed countries, we're becoming a little bit less mobile. So this is the contradiction in its own box. Everybody wants to be mobile, and we need to have a way to be mobile without causing damage to the environment. So obviously in this sense, using electricity is one of the best ways to pass no pipeline. We don't make CO2, we don't make water that as a point of use. So there's a way to pipe renewable electricity from the sun or from other sources to mobile applications like electric vehicles that we can have human mobility without all the environmental impact. So I would say that these two factors, realizing carbon neutral energy and sustaining human mobility, is what's really mobilizing us to develop storage technology to take something from the sun all the way to mobility, all the way to energy. So let me go into a few specific cases, a technical aspect to why this is a problem. This is a grid load balancing application. This is a power generation curve in California one day in 2013. 2013. And this shows basically as a function of the time of the day how much generation from the grid do we need. So this does not include the renewables. So this is from nuclear, from coal fire, other sources. And what you can see is if you follow the curve for 2013, it's pretty flat, but it goes up around 6 p.m. And the reason is because we come home at 6 p.m. and in March you may be turning on appliances. If you go to August you'd be turning on ACs and so forth. And it causes a huge spike. It's on the order of about 10,000 megawatt. More additional power is needed across the three-hour period. Then you go to nighttime, this is midnight and then it goes down. But what's really interesting is to be forecast down into the future. So from 2013 to 2020, that's only say four years from now, then there's a huge dip, and this is known as a dip, that there's so much renewable by 2020, mostly solar panels in California, that you actually don't need to generate that much electricity anymore. So this sounds like a good thing, but actually a really bad thing. I don't know if there's already a talk mark on grid, or will be a talk on grid. This is a big problem, you're suddenly cutting in half of the demand for electricity. Electricity is conserved, so you have to generate exactly how much you need. So when you have a boost of renewable coming out, then you have to dip your non-renewable sources in order to get the grid. This is the problem of storage. To have some way to move all of these excess electricity to the nighttime, for example. So the nighttime, the generation is quite low, but what if I'm able to reduce the generation required overnight? What if I'm able to basically make up for this giant requirement using something like a battery in order to provide transient electricity without having to turn on a coal-fired power plant or natural gas power plant? This is one of the biggest driving force right now, and I will show here in the next slide how to make the problem. This is a legislation passed two years ago by the Public Utility Commission in California that mandates the installation of electrical energy storage. It requires non-hydro, so the classical way of storing electricity is to pump water up an elevation, and then you flow it down to generate electricity when you need it. This is the classical way, but of course, if you calculate the potential energy in MGH, it's not much, you need a huge amount of space and you need water. So the legislation requires a 2 gigawatt of power installed by 2020. 2 gigawatts sounds like a lot, it's not a lot. Remember the figure I showed earlier on the slide is in terrorists. So we're still off by three orders of magnitude, but this is the start. To show you how big of an improvement this would be, this is where we were at in 2015. We're on the order of just a few tens of megawatt installed, and the legislation requires us to go to 2 gigawatt in 2020 in three to four years. So this is one of the integration with policy trying to get us to look at storage more closely. Motivation, as I mentioned, is mobility, and because we're something valid, we always make an example of the Tesla. So what is the question I'm going to get at in a bit? So you can cycle by our three characteristics of any battery system, which translated to electric vehicle energy density means range. How far can you drive? In today's Tesla, if you don't use your AC and you're in relatively warm area, you're looking at about maybe 250 miles of range. But if you are in Detroit, for example, then you're looking at 150 miles because you have to keep it at reward and you have to turn off the heater in the car. Power density more specifically talks about the recharging time. So if you don't have the right every single parking move, that would be great. But the recharging time, typically for an electric vehicle, is an order of many hours. If you come from China, for example, it would be hard to find a parking spot to park for that long unless it's overnight. And even if it's overnight, so the ability to recharge your car asks you to fill out the car just like you would for an internal combustion engine when you put the gasoline, because this is the most important one, it is the cycle line. For an internal combustion engine, recharge is not a problem. You can essentially fill on an issue. But for batteries that recharge in cycle lines, how many of you change iPhones or smartphones? So this is one of the biggest problems of batteries. For a portable electronic, it's made about 1,000 cycles if you recharge 1,000 times. What I want to show you now is a comparison to where we should be. These two plugs show you the power purchasing agreement for solar and wind electricity, so these are renewable sources. And it basically shows nowadays, so this is in 2015, we're approaching around 20 cents per kilowatt hour for solar. Let's do some simple math. What does this translate to for the cost of storage? So if I am generating at 20 cents, in a few years we'll be generating at 10 cents and in a few more years we'll be generating probably below 10 cents. So the storage should cost no more than the generation that possible. So that's what a metric here, I would like to store at the same price as generation, 10 cents per 250 mile range of electricity. I like to charge my car if you're driving 300 miles each trip times 500, that would be the 150,000 miles. That's roughly above the warranty of the car market. 100,000 miles for warranty or something like that. Mark Mark is the best one. So if you take between 500 cycles at 1,000 kilowatt hour per cycle, energy storage costs will be commensurate with the generation cost. What are they going to charge for 10 cents? Basically you don't have to make more batteries when you sell a car, the batteries do. But they're not really battery charged, but what we really need is something operating on the order of computer chips. They can perform calculations billions of times without data. So one of the big challenges we have with battery is getting the cycle life up because you amortize the cost of the battery over the number of times you can recharge it. So if we can get the cycle life up, we can make a huge difference even without changing the energy density more than the power density. And are you today that energy density is not quite there but when you're getting close. But the cycle life is nowhere close to where we should be at. And I would say in the next 20 years or so we will see battery back in cycle for tens of thousands of times rather than just thousands of times. And this will really change the business model because then when you sell a car, the batteries do go. Let's start thinking. Tesla probably won't be very excited about that, So what is a battery? Why do we need a battery? So I keep it at a very high level. A battery has a good reverse. That's how you store a battery. Energy is a battery. So if you have a low energy reservoir, energy reservoir, and you have a low energy reservoir, for example, for a winner. If we are not able to separate the traffic of ions and electrons, it will just be combined. It will just make heat. It will store energy. And what we have to do here is to have device material that is selective to the transport of ions and the transport of electrons. So in this case in blue, this material is selective to ions or selective to only electrons. So what happens is the ions flow inside. This is like water flowing down and the elevation difference. And then you have the electrons flowing outside. So this is like the generating turning and then you have the electron flowing through the circuit. If you keep this tuned traffic of ions or electrons apart, you will be able to store energy. So what is some of the key design trade-offs? It's always good to look at this because we know what we're trying to get to and we'll react. As I already mentioned, three of the main factors are the energy density, how many times you can cycle, and then also universally related, meaning if you have a battery that can cycle many times the cost, we'll go down, especially the capital cost, I'll make you do that. So let's take a look at the energy density of fuel, such as hydrogen, gasoline, and so forth. And you have incredibly user-fueled without damaging and insertion reaction. The mobiles we see often lithium in inertial batteries today were basically looping lithium between two reservoirs. So one way to do it is to stop the lithium in something else. In your cell phone, and these materials take off the lithium into the material without massively changing its shape, size, and so forth, the problem is that you have to carry a lot of dead weight because you have to have a host to store those ions, and that puts a specific energy density quite low, but because it's a very simple we're able to do this in and out many thousands of times, and this is what we're using today. Now, if we want to boost the energy density, what we can do is, well, why do we allow the material to change massively? Rather than just putting a little bit of lithium for a big host, wouldn't we put a lot of lithium? So for insertion reaction, we're often only putting one lithium, say, for one molecular formula weight of the host. But why don't we put five lithium? It's a huge reaction where we are reconstituting the battery every time we charge and discharge it. So we're making a new material, and then we're taking it away each time. However, the specific energy goes up, but the cycle of energy goes down because we're massively changing the morphology, the shape, the size of the material. It is basically a nightmare when it comes to a mechanical engineering of the material. Then we can go to transition growth reaction. What if we don't have a host at the host? That means you're getting every bit of energy without anything when you grow things like lithium and often grow like dendrites. And these dendrites are very bad for safety and also for the performance of the battery. So why do we get extremely high energy density getting up to that of fuels? But the cycle of ability is extremely poor. And when the cycle of ability is poor, the cost is very high. So how do we tackle some of these challenges? One of the ways we can deal with this is to up. A challenge that we need to address here is basically to tackle the transport of ions and all-iternal batteries over a diverse range of length scales. In a battery, you have about nine orders of magnitude of length scale, all the way from centimeter in a double-sized battery all the way down to M-strom in the individual atoms of electrons and everything in between. You are straddling device macro-meso-atomic. There's virtually no other chemical technology that stands this range of length scale. And one of the things that we're doing at Stanford, myself included, is to borrow a page from... Indigo imaging has transformed medicine because it allows us to study the human body from here alive. How we've been able to understand these degradation mechanisms is actually using the port's motive approach. We let the battery die and then we see what happens to it. So this is the fundamental viewing point of a battery and you can see it's actually really small. It's only on the order of a few microns. And here, it happens, we can understand how to improve the battery. I'll show you just a few cool videos of what we have done in the lab. This is a 2D image. The color tells you whether the battery is charged or discharged. So if you look at red, that means it's not charged and green is charged. And you can see in a battery it is extremely homogeneous. At the boundary of red and green, you have a pressure that's equivalent to about 1,500 PSI. So imagine we applied 1,500 PSI. So one of the major theme in battery engineering is how to illuminate the mechanical strength, especially when it comes to insertion reactions. And this is just a movie. So this is what we see in a post-mortar image. But this is what we see in a dynamic image. We now have the technology of working with folks at Slide National Lab to actually image battery one particle at a time. So this is really bringing the length scale challenge. We're now at the length scale of some microns. So this is a mesoscale range I was talking about. And by understanding how the gradation is happening, we have now the ability to rationally design batteries that go from 3,000 cycles to 30 working on alternative ways. For example, Professor Ben Amali in chemical engineering has been looking at cell healing polymers to basically suppress the effect of the particles. Bringing the battery into the part. If you can hold it together, that will still be fine. And if you surround all of your active material with the cell healing polymer, you have an opportunity to do that. So we can also use nanotechnology. This is an example from a professor in my department where he is looking at how to use pure lithium. As I mentioned, pure lithium is great, but it grows like dendrites sharp pins that will penetrate the battery. But what do we put the lithium metal in a thin container? Not. And we'll insert lithium into the layers of graphene sheets. And he showed that it's possible to completely eliminate the growth of dendrite having this very low volume post to hold the battery. And you have the opportunity to increase the energy density further by another factor of 10. So this will really help you to move up this particular trade-off this way. Okay? So with understanding the deformation process and putting cell healing materials, we can push up the cyclability with nanotechnology. We can also increase the specific energy density. But how do we get off the block? Okay? This is probably one of the most interesting questions that we get away from this. One of the common things about me describing to you is all battery material involves some sort of solid. You're inserting lithium into a solid. You're growing lithium dendrite, which is a solid. Okay? And solid is up to work with. That's why you have mechanical stress. What type of matter doesn't happen in it? And that's what we've been looking at as well. There are several groups that stand for looking at this for many, many years. In the 70s, GE commercialized a high-temperature liquid metal battery. So imagine solder. Okay? Solder is a liquid metal. You melt it at about, say, 200 or so Celsius. And then it becomes fluid. If it's fluid, it means it can regenerate itself with a pump. Okay? So if it was out of whack, you pump a little bit of it, things come back to normal. But the problem that they include is that it doesn't make it as efficient. On the other hand, we can also use a water-based flow battery. This is great because we can go to room temperature, but one tricky thing with water is only stable up to a voltage of 1.23 Volts. I think Thomas already mentioned this as well. So you can have a battery that is more than 1.23 Volts. A living amount of battery today is close to four Volts. Okay? So automatically, you have a 3x energy penalty. You develop a room-temperature liquid metal, so it is a liquid at room temperature to be able to have the flexibility and a high-voltage of a liquid metal without having the issues of a flow battery based on water. To take a look here, these four readouts couples show you the voltage of a flow battery with water to about 1 Volts or so.  So automatically, you have a liquid metal at room temperature. And this is a picture of the liquid metal working in a battery. So it's nothing like what you would imagine for a battery. A battery, you think of as a solid state device. But actually, if you take away that constraint and go to liquid and you can solve many of the degradation problems. So these are just a few examples of the way of working on a scamper and swag. Hopefully, we give you a bit of an introduction. E, I think, and then you circle back to the original motivation. Energy, storage can really enable human-only energy scheme. And this actually are two of some of the biggest problems we have in the world today. So with that, I'm going to thank you for your attention and I'll be happy to answer any questions. Why don't we talk about energy through but instead of capacity? We can answer. So the question is there's a lot of talk about how the energy, how the cost is amortized into the technology. So it is indirectly included. Increasing the energy density by a 30% percent. And how does the mind close the fluid as well as energy? How competitive is it like cost-wise? How competitive is cost-wise? And myself is is it going to be we don't know, we can do the calculations we want, but until we make a fairly large order of a few kilowatt hours we won't know the actual cost. And fundamental mechanism whether there's any show software we can make techno-technology analysis but we won't know. So I'll be honest to you. High because present technologies are rather expensive. And innovation beyond the university to see where it should impact my DNA but we at the university need to be aware of what may be down the road. The manufacturing is high and power density of super capacity the second life of fuel cell is even unlimited. So is it possible to combine all these technologies in one single electric vehicle? Right. So the question is electrical devices like a capacitor can deliver a huge amount of energy quickly but because the transport of ions and electrons in those devices are extremely important. So one thing that you can try to do is the decrease in a catalysis perspective. How do you get lithium to build a liquid to a solid more quickly? So it is possible today to realize battery technology that approaches a power density of capacity within the battery. Do we need to recharge a car in 10 seconds? Probably not. Do we need to discharge our car in 10 seconds? Not quickly discharge a car over several hours or even days. So there is a limit but I think we are discharging for using the batteries good enough. Power density of the battery.


Hey, this is Brett, and this 2015 Ford F-150 Lariat is stock number 13642Z A. I am here at Summit Automotive in Von Lack, Wisconsin, your new and used light-duty truck headquarters. This 2015 Ford F-150 has the 3.5-liter V6 twin-turbo EcoBoost engine. It's paired up with the six-speed automatic transmission. This truck has been fully-safetyed and inspected by our service shop. Has a fresh oil and filter change, all the fluid tab and check-stand tapped off, and it is 100% ready to go. Has four brand-new tires. I'm going to go all the way around in this video, inside, underneath, start it up, and take a look under the hood to give you the most accurate representation of the truck that I can. Blue Jeans metallic is the color, and I shoot all my videos in 4K, so if you have HD capabilities, turn them on now, because it is your best way to check out the quality condition options and cleanliness of the vehicle before seen in person. If you like the video, you can subscribe to the YouTube channel, which is youtube.com slash summit auto. Click the bell notifications to get updates on the videos I do each and every day, as well as having access to one of the largest catalogs of vehicle walk-arounds on YouTube. This one comes with the 20-inch chrome alloy wheels, and it has brand-new Goodyear Wrangler workhorse tires. These are 275, 55R20s. We put those on in our safety inspection, you can still see the little wear line right there from being brand new. Frame and underbody is in pretty nice condition, considering that this truck is 8 years old. Front fender is in fantastic condition, paint is in very nice shape, has the LED headlamps, LED running lights, and the factory fog lights. Front bumper is in fantastic condition, you do get the chrome tow hooks there, and you get the chrome trimmed grille as well. The hood is in fantastic shape, I didn't see any dents or dings on there, and the passenger side front fender is in excellent shape as well. Passenger side wheel, both the same condition as the driver's side. And as you go down this side of this 2015 Ford F-150, take note of how clean the body is, how reflective and mirror-like that paint is. I take these HD videos so if you are far away or even if you're close by and you just cannot make the trip down, but you're still interested in purchasing the truck, you can see the truck, hear the truck, and have confidence in the vehicle that you're looking at before you even get here. So when you do get here, there's absolutely no surprises and you can make a smart and informed buying decision from wherever you're at. If this video helps you make that buying decision, let your salesmen know that you saw the video, that it was helpful, and that Brett sent you. That wheel is in pretty nice shape, and the back tires are brand new as well. Frame and underbody back here looks really good. Just a little bit of surface corrosion on that frame, for the most part really nice, has all the remaining factory exhaust. So this one does have power step bars. We got them off right now because, and we disclosed that these power step bars are not working 100% properly. I think the passenger side works fine, but the driver side, it doesn't always go down or up without a little help. So we have them disabled and we have it disclosed that they are not operative, even though they kind of work. Coming around to the back of the vehicle, rear bumper is in great shape, it does have the back of parking sensors. Full towing package, which includes a receiver hitch, four pin end, seven pin wiring. And the tailgate is in fantastic condition as well. Eugene's Metallic's got a lot of metal flake to it, see if I can get my light on here. Really a good looking color. It also has a back flip, fold up tonneau cover, and that tonneau cover is in very nice shape. This one does have the tailgate step assist. Has the shock down assist tailgate, so it's never going to slam down on you. And it comes with a factory Ford spray and bed liner. You also get the LED bed lights back here. And the bed itself is in fantastic condition. Tailgate shuts nice and solidly, you also get the LED tail lamps. Coming down the driver's side, box is in fantastic shape, didn't see any dents or dings on there. And for full disclosure, this back wheel is in the same condition as the rest of the wheels. Does have the driver's side, or the capitalist fuel fill. Down the rest of the side, the doors and cab are in really nice shape. This has the driver's side door code entry. We do have the code for this truck. If you ever want to figure out what your code is for your 15 to 22 F115, the upper right hand part of the screen, I've got a video showing you how to do that. Blind spot wiring, built in directional signals, chrome trim on the back of the mirrors. And the only thing I noticed on the doors here is there's one tiny little ding up by the window there, but that was really the only thing I noticed.  There are no rips, there are no tears in these seats. Both of these seats are heated. Both of these seats are cooled. And once again, there are no rips, there are no tears. And a power driver's seat with lumbar, factory, all-weather floor mats, memory driver's seat, power pedals, auto headlamps, power tilt, and telescopic steering wheel. You can see that that is working nicely. Memory driver's seat, power windows, locks and mirrors. And these mirrors do power fold in, but the ignition has to be on for that to work, so I'll show you that in a second. Back seats are heated on the outboard side. No rips or tears back here. It does have the latch child safety system for child car seats. You may have power sliding rear window with the built-in rear defrost. Seats are in nice shape.  There are your heated seat buttons, 12-volt power point, and a 110-volt 400-watt max plug-in. Side curtain airbags, child safety locks on the back doors, and the inside and bottoms of the doors all look really good on this truck. We'll hop inside, check out the miles, the radio, and everything that this truck has to offer on the interior. You can see that this one has 90,468 miles on it. You get the digital instrument cluster, digital odometer on there as well. Instrument cluster is very nice and clean. Comes with the heated leather-wrapped steering wheel, Bluetooth and audio controls on the right, cruise controls, and information center controls on the left. Turned-out four-wheel drive. This one comes with the stability control, the Sony Premium Sound System. It also has the My Ford Touch radio with the factory navigation system. You can see that that is working nicely. This one is Highway 41, so you can see that's working really good. This is also where your backup camera and 360 cam are, so you can see the 360 cameras are working really nice. There's your front cam and your wide-view camera, and then you've got to put it in reverse to see the backup cam, which is working nicely as well. You also have your radio controls, AM, FM, and Sirius XM radio capabilities. You do get a CD player, more tactile volume tune, and climate controls down here. They're your heated and cooled seat buttons, two USBs, SD card slot. You have your six-speed automatic transmission. You also have your lane departure warning. And then this is for your parallel parking assist, so that's a pretty cool system there as well. 100 point, 110 volt, 400 watt max plug-in. Passengers side, floor mat, and seat are in excellent condition as well. And this one does have the power sunroof. You get home link buttons for your garage door security systems and lane systems, power slide and rear window button, and map lights and sunroof and sunshade controls. We'll start it up. Take a look under the hood. Also check out all those LED lights in the front. Starts right up. No check engine lights or anything like that. I would personally like to thank you for checking out the video today and hopefully from this HD video, you've been able to verify the quality, condition, options, and of course, cleanliness of this truck all the way around, inside and out. Under the hood, we have the 3.5 liter V6 twin-turbo EcoBoost engine, engine base very clean, runs very smooth. Once again, this truck has been fully safety to and inspected by our service shop, has a fresh oil and filter change. All the fluids have been checked and topped off. It has four brand new tires and it is 100% ready to go. There is the emissions sticker.  And this truck is 100% ready to go. And to see more pictures of this truck or one or other 550 new news cars, trucks, SUVs, minivans, Wranglers, halftones, recorder tons, one tons, you name it. We got to go to that website right there, summitauto.com. Full pictures and descriptions of every single vehicle all at summitauto.com. And if you'd like to check out more HD videos, you can go to youtube.com. Slash, summitauto. Click the bell notifications to get updates on the videos I do each and every day as well as having access to one of the largest catalogs of vehicle walk arounds on YouTube. In fact, in a second, you will see a link to subscribe to my YouTube channel in the upper left. A link to more F-150 videos I've done in the upper right. A link to this vehicle on our website in the lower left. And a link to one of our latest YouTube videos in the lower right. Click those, check us out. We're super excited to help you with this Ultra Clean 2015. Ford F-150 SuperCruise Short Box Lariat in blue jeans metallic. Thanks again for checking out the video. Remember to like, subscribe, and share on the YouTube channel. I really appreciate it. Thanks again.


From theCUBE Studios in Palo Alto in Boston, bringing you data-driven insights from theCUBE and ETR. This is Breaking Analysis with Dave Vellante. The financial services industry has always been a leading consumer of technology. And we often talk about data products. Well, financial firms have been building data products for decades. In a lot of ways, these firms are essentially IT shops that package and sell financial products. So the recent crisis is undoubtedly going to impact tech companies that have exposure to banks. Now, the puzzle that we have to solve through our analysis is that many of these overly exposed firms are also playing in critical sectors, such as cloud and cybersecurity. So the question is, are such companies semi-immune to banks getting hit by tightening IT spend? Or does their exposure signal icebergs ahead? Hello and welcome to this week's Wikibon Cube Insights powered by ETR. In this Breaking Analysis, we squint through the myriad data points and try to answer the question, which tech companies are the most exposed to the banking crisis? We'll review how we got here and what it means for tech and then we'll dig into the ETR data and try to highlight which companies are red, yellow or green specifically in the financial services sector. All the banks, they're off in sympathy to the crisis of confidence that's occurring. Most big bank stocks are off 20% or more in the past month. JPMC is the exception, they're off low double digits. And we didn't put First Republic on this chart because they're off almost 90% and it would really scrunch everything together. But the NASDAQ is up in the past 30 days because investors are flipping out of banks into tech on the bet that the Fed will actually begin to loosen its grip on interest rates. This year, in fact, 2023 is what the market is now all of a sudden expecting. What a turn that was. This is especially benefited large cap tech stocks that have broad industry exposure, not so much exposed to financial services even though they play there. They got lots of cash and perhaps investors feel like they were oversold and they've become kind of the safe bet, ironically. Now the picture in the banking sector, as you know, has been really ugly. We've seen five bank bailouts this month starting with Silvergate, then SVB, signature bank, then First Republic, which was saved by a giant $30 billion loan from several large banks, including JPMorgan Chase, Wells, B of A, and Citi. Now it debated last week on the Cube pod with John Furrier as to whether this was a bailout and I would say now, after thinking about it, it was because that $30 billion didn't come from bank faults, it came from the US Treasury. Anyway, I digress. In a bit of a forced marriage, credit Suisse, a very poorly run bank by all accounts was absorbed by UBS under exceedingly favorable terms provided by the Swiss government. And just today Deutsche Bank got crushed on fears that the financial exposures on their asset portfolio are uninsurable. You know, it seems like every crisis brings new terminology that goes mainstream. Like during COVID, it was herd immunity and asymptomatic and contact tracing. And here, in this case, with the bank crisis, we have mark-to-market duration risk and moral hazard. The former two generally referring to the delta between what a bank's bond portfolio is worth on paper and the value at maturity. The latter implying that the Fed kept interest rates low to spur economic growth, try to help everybody while ignoring the potential risks. So how is it that after the 2008 financial crisis, where more new words like credit default swaps and quantitative easing and stress tests were introduced, that we ended up in this current mess? Well, it's quite a story. And we're not economists, but sometimes I feel like we know just as much about potential negative consequences as do the most educated economists in the world. For example, I remember I was at an MIT CFO conference in the early fall of 2007. And the guest economic expert was asked if he felt mortgage defaults and poor quality loans were a risk to the economy. And he unequivocally, he said, absolutely not, there's no evidence in the data that suggests this is a risk at all. Well, we know what happened when subprime mortgage is imploded. So here's a 2019 graphic from a guy named Lance Roberts, an analyst at RAI Advisors. It goes back to the beginning of the modern easy money time period, which started with quantitative ease in QE1 as a novel idea introduced by the then Fed chairman, Ben Bernanke. For the first time in history, the Fed began purchasing bonds and other financial assets from banks to inject capital into the system. The idea was by doing so, the banks were going to start lending money again to small businesses and consumers. Well, the Fed didn't really game it out. Somehow it never dawned on them that the banks are profit-driven and they could make more money and make safer bets by investing those dollars in the financial assets that would give them a guaranteed return. So they essentially bought up the same assets that they just sold to the government because the government was backing them and they knew they were just going to go up. This sparked President Obama to rail against big bank CEOs in 2009 when Main Street was still struggling, but Wall Street was backtaking bonuses and whining their pockets from that taxpayer debt. But eventually QE started to work and the economy slowly came back. And in 2010, started its epic bull run. And the thinking by many was that once the economy was back on track that the Fed would back off and let the markets figure it out, that market forces deal with themselves, but markets were hooked on easy money by that point. And as you can see in the chart, the brown line is the S&P and when the market dipped, it's like every time it dipped, the Fed would step in to pull the levers and print more free money. So in 2012, they even launched something called Operation Twist, which Operation Twist was a monetary policy strategy that central banks used to stimulate growth by lowering long-term rates. How you ask? Well, they would sell near-term treasuries to buy longer-term maturity ones, ones with longer-term dates and that kept interest rates low. Now, despite the fact that the economy seemed to be back on track, it was apparently decided that what's good for the stock market is good for America and the free flow of money continued. President Trump then took office. That, of course, fueled markets because people thought he was business-friendly and then he appointed Jerome Powell, the current Fed chairman, who when he began to taper after being on the job for a little bit, he began to taper the balance sheet, that blue line there. Well, that caused what was referred to as a taper tantrum. In other words, the market didn't like it, so everybody started crying. Trump railed against his appointees' rate hikes and said, quote, the Fed has no clue. Then he tweeted out and he was doing the Trump thing. And so the Fed capitulated to the market, but as you can see by the red dotted line, that was the projection of the Fed's balance sheet trajectory at the time. Now, Roberts back in 2019 appears he was a bear and he said he didn't know when it was going to happen, but he was certain that an incident would occur which would cause the Fed to act again. Well, he didn't predict the pandemic, but he sure was right. And we all know the story and we've overlaid the Fed's actual balance sheet trajectory which dramatically veered from the pre-pandemic expectations on the previous chart. So the Fed caved to Trump and the markets, the pandemic hit, prompting the Fed to print more money under Trump and then later on under Biden, President Biden got more fiscal stimulus past the $2 billion plus package in the form of Build Back Better and shockingly inflation turned out not to be transitory which of course the Fed chairman said it would be. So that was a miss. So the Fed went on an historic tightening vector to catch up and when rates rise, so do borrowing costs which reduce demand among banks and other financial institutions to borrow money. It increases their cost and it crushes their bond portfolios, especially those with long maturities. That's of course what happened to SVB. They didn't mark to market and so they were hiding that in plain sight. Anybody who did their research could have seen it. And it turns out that the stress test for regional banks failed to consider the impact of rising interest rates on bond portfolios and that's how we got to where we are today. Now unfortunately the picture is still not pretty and many argue that we missed an opportunity during the good times to invest that cheap money for the long term or maybe even chip away at the debt. Instead the government racked up more debt and here's the debt clock. One of my favorite websites despite the fact that it makes me want to cry. US national debt is now over 31 trillion. By the way, the debt is up over a billion dollars since I snapped this picture at 10 a.m. Eastern time. It's just a little after three o'clock right now. US debt, check that one out is up now 120% of GDP up from 59% at the beginning of the millennium. Interest on that debt is now over 547 billion dollars as of today and keeps ticking up. Now the math to fix all this is really simple. You can see that sort of the big threes. You've got to stop spending more than you bring in and cut defense, no security, Medicare but that's not going to happen. So, so far we've just talked about the debt of the federal government and when you add in households, state, local debt, financial institutions, et cetera, et cetera, all this private debt, the debt adds up at 95 trillion. It's going to be 100 trillion soon. By the way, it's up $2 billion since I took this snapshot earlier this morning. One other little ratio worth noting on this chart in the bottom right. And there are many, I'll put this link in the post and you should check it out. It's actually amazing work to behold. But any rate, the M2 money supply is now only 19 times the market cap of all crypto. And that's up from 9,522 X in 2013. What does that tell you? Ping me what you think it means. Okay, moving on. So the premise here today is banks are going to spend less on IT in the coming quarters until things shake out a little bit. So let's get into the ETR data and see which companies have the greatest exposure to financial services. First, let's look at the composition of the quarterly TSIS Technology Spending Intention Survey from ETR. It's a survey that goes out to more than 5,000 IT decision makers. This quarter survey is currently in the field and it's going to end up, it's got 1,300 now. It's going to end up with over 1,500 responses as it typically does. And it's going to represent about $700 billion in tech spending. Now these respondents are senior people. They've been vetted by ETR. They're real people. They've got spending visibility. Now it's weighted here, as you can see towards larger companies. Okay, but they got the big budgets and it's got a North American bias. But it is cross industry and you can see 14% in the bottom left in those bars. 14% of respondents are represented in the financial services slash insurance industry. Now with that out of the way, let's look at the companies in the survey. So as always I consulted with ETR's Eric Bradley on this topic and we have some very interesting data to share. This first chart shows companies in the survey and what we did is we sorted by the number of N within the financial sector, that green highlighted area. So these are the companies in the survey that have the most responses, respondents within the financial services sector. And then you see in the left, you see the company in the first column, the total N in the overall survey. So this is everything outside of financial services, all those industries that ETR tracks, the total N and the percent of that that comes from FS. Then on the right, you see the right hand side of the chart, you have net score. Net score is a measure of spending velocity for a company's products. It essentially takes the net number percent of customers, net percent of customers that are spending more. And it does so with a very granular and proprietary methodology that we've talked about a ton on breaking analysis. So you see that net score and then you see the year over year change and the sequential change from last quarter survey. Okay, so what stands out in column three is Splunk at 21.2%, F5 at 20.3% and CrowdStrike at 21% have the highest exposure to FS within the top 20 in terms of financial services citations that we've sorted here in this view. We've got some other views to show you. Now, moving to the right hand side, you can see Cisco's net score drop 12 points in financial services, but it's up, that's year on year, but it's up quarter to quarter. So that's not so much of a concern. It's actually a positive. Same with AWS. Maybe not as positive, but it's net scores down 12% year on year, but it's flat sequentially. So it's already in the numbers. Splunk is a concern because it's net score in financial services tanks year on year and it's down 15 percentage points sequentially. Zoom and DocuSign, both appear to be exposed while ServiceNow, Palo Alto, F5 and CrowdStrike are penetrated in FS more highly than the survey average of 14%. Their sequential net score, however, is mixed. It looks like ServiceNow is softening a bit while the others are flattish. Dell as well looks soft, but it's exposure is well under the survey average and it's likely PC related. Now, as we said at the top, cybersecurity is still the number one priority amongst IT buyers. So it's possible that several of these companies may not feel the pinch, particularly Palo Alto and CrowdStrike, which both have strong business momentum based on their last quarter and have a portfolio large enough that they can consolidate redundant vendors, which could be an opportunity for banks and financial services companies to continue to cut costs. We'll see. Splunk looks to be a real concern to us in the sector and may be more exposed. We'll see how it plays out in the next earning season, but it's something to watch. Now let's take another cut at the data. In this view, we sort on those companies that have the highest percentage of their total citations. In other words, the percent of the total that's in financial services, that's that green highlighted area. We also filtered out any companies that had an N of less than 100 in their total responses within the survey, not within financial services. So we took out any company that didn't have at least 100 responses in the total survey. So we wanted to get some of the companies that had pretty good presence and pervasion in the survey. So you see Dynatrace, SalePoint, and Informatica stand out as all three are highly exposed in financial services within the survey and each is showing steep year to year and sequential net score declines. Now, Cloudera is highly penetrated, but they're flat quarter to quarter. CyberArch appears exposed in financial services, but sequentially its net score is flat. Now, Click has filed a confidential IPO and is acquiring talent and it's in the mid stages of a total makeover as a private company. So I'm guessing there's some old DNA in this survey and it doesn't reflect the new momentum the company will likely be touting at IPO and the whole talent acquisition and that has yet to take shape. They're a private company. We haven't seen their numbers yet because it is a confidential filing. So we'll have to dig into that once that becomes public. So I don't put too much weight in Click. I want to be careful there in this survey. DataDog looks to be bouncing back with a seven point uptick in its net score sequentially but Koalas looks to be taking some hits down 35% year on year and its net score is down 9% sequentially. Ouch. Now to caution you, these are snapshot data points and we'll have to go back and see these companies fair at earning season at least the public companies will be able to gauge. Now the last one we'll share is some of our favorite names that we often talk about in breaking analysis episodes. Here's a semi random selection of companies that we follow and have highlighted in the past several years that have an FS mix higher than the 14% survey average. We talked about Cloudera already. Mongo not surprisingly has a higher than average mix of business in financial services within the survey and it looks to be down sequentially although holding up year on year. Elastic is way down year on year but flattish sequentially but look at workday up 11 points in net score year on year and 10% sequentially. What banking crisis? Snowflake as we reported is way down year on year from its stratosphere but that 26 point drop in financial services is notable but it's flat sequentially. So again, it's already in the numbers. Now Databricks is really interesting despite the concerns that we raised last week. Its net score in financial services is a whopping 76% much higher than its net score overall which is comparable to Snowflake's 50, you know, high 50s. So Snowflake in financial services is very close to its overall average. Databricks stands out in financial services much, much higher than its average is the point there and Databricks is up 20 points year on year and four points sequentially. This is likely due to the fact that many financial services customers are very sophisticated when it comes to data and that aligns well with Databricks offerings. Service now we discussed already but look at Kubernetes and it's not a company we know and it still has an elevated 65% net score well above our benchmark that we consider elevated which is 40% there at 65% but it's down 12 points year on year and 15 points sequentially within financial services. And Nutanix, the n is smaller, I think it's 26 and they've got a mix that's only slightly above the survey average nonetheless as a negative net score that's off 51 points year on year. Wow, and 11% sequentially. So something to watch there. Okay, so very data heavy episode today and we'll take a look back when earnings hit to see how predictive the survey data is but let's wrap up with some things that we want to watch. Unfortunately it seems policymakers line up along partisan lines except when they're trying to appear tough on China and CEO of TikTok is in front of them but this means that Congress can't be expected to pass legislation that will for example ensure deposits over $250,000. That requires lawmaker action or systemic risk and Treasury Secretary Janet Yellen has been sending mixed signals and kind of hedging on that front. And so that has the market's concern.  So she's got to be careful there. Look, the Fed's job is to make sure that the economy functions well that inflation and unemployment are under control. Well, right now those two forces are counterposed and they're essentially at odds but the Fed has to act like the lawyer in the courtroom when something bad happens. They got to act like they knew it was expected even if they have no clue. The challenge with the Fed frankly is it's data driven but the data are questionable. Inflation, flagging indicator and it's unclear what impact rate hikes have really had on inflation but one can only surmise that they're serious and the economy is eventually going to feel it and one could argue that this is a symptom. The banking crisis is a symptom of these rate hikes. In fact, it's pretty clear that's the case. So this is why the market is actually kind of shrugging off the recent rate hikes globally because it thinks the Fed is going to ease this year. We also have to watch valuations and earnings, real earnings, not the earnings estimates. Right now the NASDAQ is trading at 22 times projected earnings which is off its 35x high which was during the boom but like the Fed, the CEOs and CFOs of tech companies they got less visibility right now. You know, they're guiding conservatively but are they conservative enough? And as negative as we've been on the economy the last point is on the economy, the government, et cetera, the Fed's track record, the free money era and the market overall and financial services. I'm an optimist. I mean, technology is deflationary and the wild card here is AI and automation. AI in our opinion will create a productivity boom and I believe like the Google IPO gave birth to rebound in tech after the dot com crash, AI is going to do the same thing. Yeah, it might get a little bubble issues, might be confined for a while and but the markets right now could use a little sustained positivity. I do think it's going to get worse before it gets better. I think it's going to take a while for automation and AI to show up in the productivity numbers but I really believe it will and that will positively affect earnings. Might take a couple of years, might be some pains in terms of jobs that get replaced by AI but within five years every job is going to be AI powered so you got to figure out how to take advantage of AI and how to be creative with AI. You're not going to protect the past from the future so but seriously I think it could take a couple of years here but I firmly believe the best is yet to come in tech. All right, we're going to leave it there. I'd like to thank Eric Bradley and the team at ETR for feeding us with some amazing data that was really relevant to the times thanks to Alex Meyerson who's on production and manages the podcast, Ken Schiffman as well here in our Boston studios, Kristen Martin and Cheryl Knight help get the word out on social and in our newsletters and Rob Hof is our editor-in-chief over at siliconangle.com thank you all.  I publish each week on wikibon.com and siliconangle.com don't forget to check out thecube.net for all of our events. You can get in touch email me at david.volante at siliconangle.com or DM me at dvolante or comment on my LinkedIn posts and please do check out ETR.AI for the best survey data in the enterprise tech business. This is Dave Vellante for theCUBE Insights powered by ETR. Thanks for watching and we'll see you next time on Breaking Analysis.


Hi, I'm Don Watkins, Community Moderator at opensource.com with this week's Top 5. At number 5, opensource.com, Community Moderator Ben Nuttall with how to set up a Postgres database on a Raspberry Pi. This tutorial explains how to install Postgres on a Raspberry Pi, create a table, write simple queries, use the PG-Admin GUI on Raspberry Pi, a PC or a Mac, and interact with a database from Python. At number 4, opensource.com, Editor Jason Baker with 6 new guides and how to's for OpenStack. Here are some of our favorite new guides, tips, and tutorials for OpenStack that we came across in the past month. Did we leave out a great one? Let us know in the comments below and we'll consider adding it to our next edition. At number 3, opensource.com, Editor Jason Baker with 10 open source alternatives to Minecraft. Jason says that there's no denying that Minecraft is a favorite game for millions. The game's popularity has led to many attempts to recreate its look and feel and others in a similar vein as open source software. If you're interested in free open source alternative, then you'll want to read this article. Which one is your favorite and which one did we leave off that you wish we had covered? At number 2, opensource.com, Community Moderator Ruth Holloway with Perl turns 30 and its community continues to thrive. This is a detailed article about the 30 year history of Perl and the Perl community. Ruth writes that Perl is about people. The people who create, maintain, support and use Perl jointly create an environment where developers can learn and thrive. You will enjoy this article no matter where you are on your Perl journey. And at number 1, Senior Specialist at Red Hat, Daniel O with 10 layers of Linux container security. You need to think about security throughout the layers of the solution stack before you deploy and run your container. In the article, Daniel says, try these 10 key elements to secure different layers of the container solution stack and different stages of the container lifecycle. Well, that's it for this week. Thanks for watching and we'll see you next week.