To become a legend, you must be willing to risk everything. There is no challenge. You can't overcome. You can't escape. And no dungeon you can't solve. You can use Link's new powers in an all-new adventure to conquer Hyrule's ancient dungeons. The Legend of Zelda, a link between worlds. Only available on Nintendo 3DS and 2DS. Rated E for everyone.


Hey, what's his problem? I was about to adjust it. Corporal Spencer Sevchuk, 0-341 sectional leader for Charlie Mortars, Victor 1-2. So the training going on today is really getting back into the brilliance of the basics. So working on the cover concealment, the frag barrel drills, working on your marksmanship and your ability to maneuver and move while actually firing, also communication and trying to find a way where we can use less calm and more focus on like hand and arm signals. Focusing less on using calm, well it can be hacked by let's say a near peer enemy. So we're trying to work on hand and arm signals, waiting for something to happen in reaction for us to do something. Just getting back to the basics. This is, we're looking more into like jungle warfare now. Currently today there's three stations. We have focusing on cover concealment, so what can we do to hide better? And then there's frag barrel drills and rocket barrel drills. And then there's an actual couple of CP shoots that we're going on, so nothing too crazy just getting back into the basics. The most physical part of it is the heat, because you know you're in 99, something degrees out here, it's probably the hottest it's been in Jacksonville, North Carolina. And you're moving, I mean my platoon alone, we haven't stopped moving since, oh, 3.30 this morning. We were already marching like three miles with heavy weapons, just going over to this new range. But mental it's just like kind of keeping yourself, kind of training yourself to keep on going. And nothing matters, just get the task done, do the job, do it right. Currently I'm a sectional leader for the 0341-60mm Mortarman. They operate an aligned company and they're able to maneuver with 11s. So probably the biggest difficulty with the job is how to treat a 41 and an 11 the same like, same skill, the same mindset. Because I mean 0331s they always operate with the 11s, they're always you know with the riflemen, they're always maneuvering with them, well no one knows what a Mortarman honestly does besides mortars. So trying to like keep everyone in the same loop is a very tasking job. So Charlie companies currently out here since Monday is going on until Friday. And we have pretty much assignments and tasks that we have to get accomplished every single day doing a new event. Pretty much seeing how, what is going, what's wrong with us fundamentally as well as what individual skills we can do to improve. It's good to kind of step back and go, alright I know all this advanced stuff and I've done this for years but like what can I do to improve my guys, what can I do to improve myself, so when I do face a near peer enemy I'll be ready for it.  So we were able to flip it around and somehow from their determination, my determination we were able to come together as a family, honestly, and we probably the lead effort in our battalion with the 60s which was amazing. I was very proud of them. So my biggest failures were turned into my biggest accomplishments because after my second deployment I was able to go to advanced school again with my two squad leaders I personally trained and we all passed flying colors and one two showed aim, see what was up. So that was pretty, that was pretty awesome. So with this training, especially that's the fact that it's going to be summer really soon, the weather's up, we're constantly doing stations, we're constantly learning new things to improve our lethality as well as it's kind of opening up our minds like what else can we do to improve on it. So this training right here is kind of like creating ideas I think. My battalion commander we just got, he said that I might be a smart man but in the room of all you Marines I'm probably, I'm not going to be able to outsmart all of you. We're smart as a unit, as a group. So it doesn't matter if you're ranking, you can be a Staff Sergeant, you can be a Corporal, you can be a PFC. Training like this and we have time and we have just hours of grinding. You're going to think of something that's going to be very beneficial for the battalion. I don't go heavily by doctrine. I'm like, hey these written words, we're going to hammer that. That's law. I go, if you have an idea, if you have something that even I didn't think of, you tell me. It doesn't matter if you're a junior Marine or senior Marine, our ability that I guess be creative with how we want to employ our weapons systems is probably our greatest strength and any Marine that I've ever led has always even given me an idea not of use and it was usually effective and if it failed then let's see what happened that we can prevent that failure. So that was awesome. I'm very impressed by their ability to free think and not be robotic. My Marines move faster, think smarter and train harder. Hypothetically, there's a conflict of war. My Marines will be ready.


Yeah Can I go all right, so welcome to James's talk on IPv6 James is in here Okay, right. So this is the talk that I delivered last night at the AWS user group meeting It's on how to build a scalable email processor using AWS The technologies that I specifically used for this from left to right I used EBS which is elastic beanstalk not elastic block storage because I keep like mixing the two up SES the simple email service which as of just over a month or two ago now instead of just allowing outbound commercial emails normally bulk email sending Also now as an inward processor so you can receive emails as well with this year's a school SNS the simple notification service which will send JSON notifications to HTTP or email endpoints All configurable, so it's sort of a publish subscribe system in the back end that Events get published either triggered by the system itself and then can get published out to Your own server on a web endpoint for example an RDS which is a relational data store I'm not using that at the moment, but I've already built in the capabilities into the application and of course S3 Which everybody knows Scalable simple scalable storage. That's why three S's For those of you who don't know who I am My name is Stefan February. I work at this little company called Neil And we are hiring in case you you know anybody For the camera the reason they're laughing is because we are at neo It is actually not a joke that we are hiring at neo. We are hiring All right, yeah, I've got my blog at hash bank bin dot sh and the slides are up at GitHub.com Stefan February and I also put them up on slide share if you want to slide share URL. Just ping me Now what am I trying to do this thing won't fit into my iOS wallet wallet for those Who you don't know used to be called passbook and the idea behind it is that you have these digital passes or coupons which go into a which sort of secure kind of digital technology that goes into the wallet and The idea is that I'm supposed to look like that Why is my phone showing one thing and the screen showing another? No problem So this is an example of what An iOS pass looks like this is actually a boarding pass type The the iOS wallet has several different types of passes that it supports. It'll support both a things like a coupon store credit card Boarding passes for example They're only like four or five predefined types and the temple for the templates the layouts and then you can go around and you Can mess around with sort of the colors and the logos And the but the layouts tend to be fixed for the different types So a boarding pass will always look like this. You'll always have like the Airport your leaving's Shortcode a little airplane or icon that you define and then the airport that you're arriving In and then at the top you'll have additional information for the airport's the terminals you're leaving and the rest of your flight Data is on there now as I mentioned The objective is this email that I get when I do a web check-in. This is not the itinerary that you get after you have booked your flight. This is the web checking Confirmation email you get if you do an online check-in That then you get an email like this Now obviously I want this to actually be turned into a boarding pass because along with this email They give you a link if you click this link here Where that link will take you is actually the printable boarding pass Which is a PDF document that you can or a PDF formatted document that you can print out and present this at your For you as your boarding pass instead of queuing up for example, you know You just want to go straight through you don't have any check-in luggage makes it very quick and easy But there is a Digital version of this thing Air Asia for example has their own application or their own mobile app Which presents a digital boarding pass Which the airlines may or may not not the airlines but the immigration officers may or may not expect except Depending on where you are in which country you're in It's lost the connection. I'm gonna have to use my Keyboard or would I It's re-establishing the connection Okay, that's what keyboards are for All right, so what did I do to build this thing? The application is already running. I built it in Scala. I use this framework called spray. It's really cool Alternate framework to the one that we're currently using in our current project. So I can't actually say that can I? Okay, we're using play we're using the play framework at the moment, but that is fine We won't say where the client is We're using the the play framework at the moment Spray is an alternative to that it's similar except that spray is built from the ground up to be Aca actor based so it uses actors as the HTTP endpoints instead of a instead of servlets That would normally be used in a in a Java EE framework Your HTTP endpoints are actually a car is an actor actor that would have to spin off other actors To actually get the work done. So it's asynchronous message passing based really fast like super fast Question Yes, so when you start up spray it implicitly boots up an actor system for you So, yeah, it's it's spray. You can't you pretty much can't use spray without using Aca actor sorry without getting Aca in there as part of the deal and then of course I'm I'm using shippable and the reason I mentioned shippable here is because I've actually from the very get from the very start set up my development environment in such a way that Deploying is a git push. So I do a git push and Shippable is a CI continuous integration, but it also does deployment It will build run my tests and immediately push to elastic beanstalk where my deployment is now elastic beanstalk is of course Just the management interface in front of a cluster of easy to servers But the reason it's interesting is because the AWS SDK command line tools. They give you A really quick and easy way you just do use the command line tools EBS space deploy after you have configured your your project and it will deploy automatically It'll do rolling updates on your on your on your on your Cluster so that you don't actually have any downtime all sorts of really cool and interesting things happen So I'm using shippable for that Next this thing keeps losing connection. Okay, I'll just turn you off right, so How how is all this email processing actually happening? You've got an incoming email which hits the the simple email service endpoint the ACS endpoint The downstroke there that is the Air Asia email going or being The notification of the email arriving being published onto an SNS topic So remember I said SNS simple notification service publish subscribe pops up model So it publishes the notification of the email to SNS SNS then notifies my web server that email has arrived Concurrently to publishing the the the notification it sticks an actual copy of the email into an S3 bucket So the the email itself Goes into the S3 bucket Wrapped up and represented inside of a JSON file I get a notification on SNS on my HTTP endpoint on my server to tell me a new email has arrived I can then start processing that notification Fetch the email from the bucket and and get going and that's basically the how the magic happens I fetch the email. I do the processing. I extract all the information I do some web scraping and then I build the pass which involves Some cryptography some digital signing with the Apple developer search search so that the iPhone will actually recognize The pass is a valid pass because you can't just stick any anything into the eye into the iPhone's wallet You actually need a developer account. You need developer certification In order to be able to generate certified passes that go into the wallet and Then I get a confirmation email back with an attachment which says okay your wallet Your your your wallet version of your pass is ready. You click on the ad button and it goes into your wallet Yeah, that's how it works you forward you forward your the email that I showed you before This one you forward that to the email endpoint that I will share later Because I'm also going to solicit some help from you guys at the end which is not now So what am I gonna do next? Well, the next steps would be to build and test an auto scaling environment because right now I'm running a T1 micro instance, which is just a single instance inside my Inside my elastic beanstalk environment. I need to hook up RDS because I'm not actually storing any persistence state at the moment All the information although I've got all the information stored It's all stored in JSON format in emails and places But I would like to have sort of a the the final product in the intermediate artifacts that I'm building also stored in RDS But the servers themselves are completely stateless They don't actually maintain any state on the server and of course if I have RDS hooked up then my my service layer is Completely stateless, which would allow me to scale out nicely Gotchas AWS permissions hard Things everything well, they've kind of locked things down So I guess it's more secure But it also means that you might inadvertently make yourself insecure because you don't understand how to how to flip and toggle all the knobs with the permissions and it can also be a bit of a nightmare debugging why my Why I came from a regular easy-to-instance access my S3 bucket, but from the AWS Service rather the easy-to-server running inside elastic beanstalk all of a sudden I can't right Or you thinking it should work, but there are very strict permissions on what can access what at what times and you know Fortunately, there are policy tools to build policies which don't necessarily work the way that they should because the Documentation is not actually 100% which is my next point the documentation for the notification service messages Do not actually line up with what you're actually going to receive at some point They've changed some of the API has changed slightly some of the keys and the key value stores have changed a bit And the documentation hasn't been updated So I had to actually dump the messages to actually figure out what I was supposed to be getting and how I was supposed to parse that Yes, so It that that that is that is that is frustrating Fortunately, they Amazon does not do that, but something they do do which they probably should do differently is that they should Actually declare the content type or the mime type of the content as part of the HTTP request They currently do but they say they're sending you a text plane Content type which of course buggered up my my my my server side on my rest on my restful service endpoint Because I told it you're gonna get application JSON and then it inspects the headers and says nope This is not application JSON. It's actually text plane So now I'm now I'm accepting text plane and then assuming that is JSON on my endpoint Okay, there are lots of knobs in AWS lots of shiny bits to fiddle with I've scratched the service the surface of what is in there And you can really end up spending a lot of money running up bills on your on your credit card by fiddling with all the knobs, so you know, it's it's kind of a Goddess you have to weigh one up up against the other Do I really need to fiddle with this knob right now or can I get my work done without it? That is the end I will now take I guess I will now take questions I will leave this slide up, but or maybe I should do one thing on this on this final slide Instead of adding in my Let me just put in here This is not my email address. This is the email address where I would like for you if you have an AirAsia email of Some sort not some sort but specifically a web check-in email that you have generated Please send it to me at that email address Not to send it to me send it there and see what happens I'll also see what happens if you manage to break the system now. We know also really helped me break the system yesterday so I managed to Fix at least one use case which wasn't covered because email parsing is surprisingly hard and easy to mess up the especially when what you're actually getting is a mime encoded email that is HTML body So the original email that actually comes out of AirAsia when they send it to me or to you is base 64 encoded mine which the email that which most male clients nowadays know to Decode get the HTML document out of it and then present that to you If any get anybody who knows my friend Kai Kai is a really big bug being his bonnet about people who don't have text plain Content in their in their emails as well for people like him will still use mutt. So he's he's not very happy with with AirAsia But anyway, so if you guys do have any emails that you would like to send to me Even if it's for the other airlines, you know If you've ever done a web check-in to get an electronic boarding pass send it on to me Stefan dot February at gmail.com or if you guys have my new email you can send it there Let me say it again. Stefan dot February at gmail.com Just send me your electronic boarding passes the emails you can forward it to that email Because I want to build out the service so that it supports other Airlines as well apart from just AirAsia. She's the only one it supports at the moment. Let me do a quick demo I'm gonna try and run the demo through my mobile so that it gets picked up by the recorder Nope, I do not want to see that Let's close all of this stuff down Hopefully it's nothing embarrassing on the desktop What am I gonna run? I want to run quick time and Open up my email client here. It's quick time running Okay, all right, why? Okay, there we go Of course because it had to open up Good time is gone. I Had this yesterday as well for some reason when you access the phone using and it keeps opening photos New movie recording all right No Don't open photos All right So I actually have a check-in that I performed a few days ago if I can find it There was on Saturday Where I was coming back from Kuala Lumpur Ah self-check-in This is the one So this is the email that I received this is similar to the one that you saw me show you guys early So the the way that it would would work is I would forward this to the email address erasure at into pass comm and then send and Fingers crossed, you know this live demo these normally don't go the way you expect them to If we wait tick-tock, tick-tock, tick-tock Like just wait a few minutes seconds. It should be seconds. It should not be that long. I should receive a Any minute now Today ah There we go So before I do that I'm going to just quickly just for the purpose of being honest show you that my wallet is actually empty right now, right? And I'm gonna come back here and I'm gonna open up the email There's an attachment in there and this is the dot pk pass file, which is the actual wallet Pass once it ends up downloading the email client is actually intelligent enough to recognize what it is and Will show you the little icon which is attached to the wallet or to the pass It'll present the past to you when you click on it and then I can click on the add button and that would actually add it into my into my Into my wallet. So just to confirm that it is actually in the wallet I'm gonna click on wallet open it up. My pass is now in my wallet And as you can see it is all the flight details for me And if you actually were to this is a PDF 417 format the 2d barcode If you actually were to scan this you would get a really nice string. Actually, I do have a What do you call this thing a PDF 417 barcode scanner But how am I gonna scan it if I can't see it from my mobile that is not gonna Okay, that's not a bad idea Okay, so I'll open up the email just on my on my computer Where is the mail? All right, let's see This would be the Email that I just received. Okay. I'm gonna have to download it first So Mac OS can actually also there is another way actually get this into if I open this on my desktop on the Mac It will actually show The the the pass and I can actually from here Import it into my mobile via iCloud if I've got iCloud connected here, it will actually move it from the desktop as well So now that I have it up Have you got it up? Yeah, it's up. So I will now attempt to scan it with my actually let me do this I will Minimize that I will use this scanner The PDF 417 oh, it just has to be connected right so I don't know if it will okay. I'll try to scan it on the phone On the on the desktop Come on. You can do it You can do it Scan There we go so that that is actually my My flight information and so this is also the scary part right that your actual printed boarding pass If you ever think I just throw this piece of paper away. I'm gonna throw it in the airport or somewhere It actually contains some personal information about you. This is me. Iata the International Association of Travel something It's got everything in it M1 is sort of a short Flight code for the type of information that is in there and then of course my surname and my name then the next string is My booking number followed by Kuala Lumpur to Singapore on a K Which is the the flight code for the airline my flight number is seven to three and then the next series of numbers relate to things like my booking type the type of fare that I'm on my seat number is in there, which is 5e if you can see in the middle of that string that is 5e and the rest of the information also means some interesting things So, yeah, you probably do not want to leave your boarding passes lying around in case some nefarious hacker Actually with a PDF 417 scanner decides to just harvest your information Yeah, so that is it. Are there any questions from anybody? It's not great The black and blue is not great. So the black and blue Interestingly enough. So is so yes, you can the styling can be changed. What can we change the styling icon can be changed Background color can be changed. You can give a background image if you want to the text color can be changed You can fiddle with pretty much all of the parameters except for the layout in the positioning of the of the elements on the form I have no idea why apples default boarding pass template is this apples Default is like black on blue. It's completely, you know, you can't see what is going on on it But yes, I completely I agree with you. That's not the best and the moment I have I have time I will actually make some time to to fix that. Oh Speaking of speaking of colors, right? interesting security feature that I bumped up against With Air Asia and the immigration offices for Air Asia in Kuala Lumpur They will actually allow you to present an electronic boring pass But only if the electronic boring pass has the flight code, which is the KOL or the SIN flashing red-black Because that is what the air Asia's built-in app does to show that the flight is about to leave We are actually boarding soon This is a valid pass. We are flashing the light. So now everybody can know And they looked at the pass and go why isn't it flashing red-white? Sorry. Do you have a paper? That so yeah, now I'm gonna have to figure out probably can't be done But I'm gonna have to try and figure out if it is it all possible. Maybe I can can show it to them like quickly Or have two passes one with the red-black But yeah, so I'm hoping that they will actually allow me tomorrow I'll try to change the styling a little bit and see how far I get with it. I'll keep Testing my wallet pass until I'm allowed to go through through through with it, but yeah Yeah, yeah, that's that's how I'm testing my app So this is three weeks worth of work Literally hacking in the backs of cabs on the way to work and in the way home from work In airport lounges and pretty much anywhere in between Like over lunchtime or in the morning before we start or in the or after work in the evenings before I go home While I wait for the surge to drop on Uber So it's been a part-time effort for for the last three weeks. Yeah It's on a t1 micro instance it costs about $50 per month In Amazon because you don't pay for Elastic beanstalk the service you don't pay for you really only paying for the time of your Easy-to-instances and since I'm running on a t1 micro, you know, it doesn't cost that much. It's actually quite cheap Yes, yeah, if the email format changes then I'll have to also change how I parse the email Because right now I'm actually taking the rather oops, I'm taking the rather rigid approach of unpacking the HTML from the email body and then parsing that into a DOM and then using Scala's expo spot expo Style expressions to search through the DOM Which I think is more efficient way of parsing it than doing a grip in terms of computation But it's not necessarily the most flexible way of extracting the information Grip is more unique Maybe a little bit more bashy as well. Yeah, you should appreciate my domain name for my blog Yeah, Kai would have done this in five lines of bash He wouldn't have yes, sorry Kai, sorry Because I know Kai is gonna watch All right, any other questions nothing all right applause All right, thanks guys


We're still working with getting those branches staffed. We'll be happy to see when you come visit us and at that I would like to introduce our presenter, Paul Herman, the founder and CEO of PIP, which stands for Human Impact and Profit Investor Incorporated. This is based in San Francisco. Herman is also an author of two books accessible in the library, The Hip Investor, Make Bigger Profits by Building a Better World, that was published by Wiley in 2010, and the Global Handbook of Impact Investing, also published by Wiley in 2021. Please welcome Paul Herman. Thanks Leah, and hello everybody. Delighted to be with you today. Another summer day in San Francisco. Leah remembered that in my first book that came out in 2010 presented that at the portrayal branch where Leah was working. So delighted that she and Doreen can host us today. I'm excited to tell you more about how you might be able to do more good with your portfolio and your 401k. If you have any questions, please put them in the chat or the question box. Ask them along the way. You know this is a webinar so we can make this interactive along the way just like as close as we can be to being in person. And what's already in the chat are names of the books that I've written. The presentation will be available afterwards so know that you will get this via PDF so you can review it. And let's get started. And again please ask questions along the way.  Now, I'd be curious for each of you if you have a reaction to this image is this inspiring or depressing. We considered using it for the cover of our latest book but a lot of people actually said oh please don't use that that makes me want it, you know depressed and I don't want to read your book. We put it in presentations to show that more utopian world can happen on the right of the screen, and kind of left is more of a dystopian world as a new just said. And so we have the choice of which way we want to go and, and this is also how we look at the world when we're investing, and when we're managing portfolios for investors, and when we help rate portfolios for investors including 401ks. Just before we get started so the lawyers and the regulators are happy. I'm Paul Herman. I'm a registered representative and investment advisor. Registered in the state of California, Illinois and Washington State we have clients across the country we have clients in other states, depending on how many we have we registered there or not. And we also have a ratings company kind of like a morning star for impact. So that you can understand is a company, a bond immunity bond, a fund, or other type of investment is that more net positive or more net negative. Remember this is all for your education and information so this is not these are not investment recommendations you should do your own research or ask your own advisor. And that all investing has in that the stock market and other assets can go up or down in price, including things like cryptocurrency. So these are the two books that we introduced the hip investor on the left is a great way to get started if you're interested in learning about sustainable responsible investing. Well it was written 11 years ago, and did become a bestseller and is in libraries around the world more than 146 global libraries, including the San Francisco public library. It's been translated into Polish my heritage. And more recently, we've widely has published the global handbook of impact investing that you see on the right. And that's available in ebook which is good because it's 1300 pages so it's bigger than war and peace. And it covers a variety of these topics. What's the value of human capital, you know we hear CEOs say people are most important NASA, but they're not always on the financial statements. We hear about fossil fuel free investing and the value of nature how can we put a price on what we use in nature, including how bees pollinate honey or the soil regenerates. So this is much more dense than the first book so feel free to check them out either at the library or collect for your own personal reading. And then over the summer I wrote for Barron's financial magazine, five books that are insightful about how to do sustainable investing Bill Gates about how to avoid a climate disaster. If you're not yet familiar with what's going on that's a good one. Jeanine Furpo she's a local author wrote activate your money with a group of collaborators so that gives more detail about what we're talking about today, making money moral by the finance team so that's my alma mater the war or in school business. Alex Edmonds used to teach at Wharton now teaches at London Business School grow the pie. And then some of you may be familiar with donut economics because there's actually a working group for California on donut economics and how to have more stakeholder engagement and stakeholder capitalism. So, you can probably find these in the library so check them out. And again, so you can have the presentation after. Alright, so without trying to be too depressing or too dystopian, we are facing five crises of our time. And these five crises, we actually built our framework around 15 years ago when I started hip investor. Based on Maslow's hierarchy in the hierarchy of needs. So we have health, physical and mental health, including COVID. These days, wealth, especially income inequality, earth, certainly the climate crisis is one of the top earth crises, equality, racial equality as we became even more elevated last year, and there is a crisis of trust of people, many people don't trust institutions anymore. So these five elements with our pillars we call them when we evaluate an investment these are five crises but not to worry there's things we can do about it. There's new metrics for how to measure what's going well or not so well in the world. There's ways to innovate in your investing approach. And there's a looking across multi sector. So we're going to have three many discussions in each of these feel free to put your questions in the chat box, and we'll answer them along the way, and we'll get very tangible about what you can do. So to kick this off is a little quantitative, but for those of you who know accounting statements. Not everything is on the financial statements of a company. In fact, back in 1975. Most of it was there was a lot of manufacturing plants and inventory things that we usually think of with a traditional business, but business today is much more people oriented service oriented, or some of those manufacturing jobs have moved overseas. So looking at a company, one of the 500 largest companies in the US the S&P 500 85 84% of that value is not on the financial statements, people are represented as costs, not as assets. The use of natural resources is off those financial statements. And so to invest more responsibly, you can see right here for in the dark green for themes that you can apply to investing in your portfolio. One is looking at people as an asset as many CEOs claim but don't always pursue and measurements of that can include things like customer satisfaction, driven by employee satisfaction and employee retention. And an increasing number of companies report these measures so one of the questions before the webinar was how do I pick which company one way to do that is to look at what they're disclosing about how they treat employees, how they pay employees. We work with a nonprofit called as you so as you so.org on rating overpaid CEOs for each year of the past seven years. A second theme is the natural resource efficiency how do companies use oil and water and energy. And again an increasing number of companies are disclosing how they're using these natural resources and there's even a theme called valuing nature that there's an increasing number of books and research papers. And even back at the turn of the millennium, a group of European and global scientists said if we paid nature for all that we use from nature. It would be for every dollar of GDP, it would be two additional dollars. And so if we actually paid nature and soil and the bees for what they did, almost no business would be profitable. So using those resources efficiently is one way to have a successful business and potentially a successful investment. And that is making sure that the board of directors and the team is representative of the people that they serve as the board reflect half men and half women. Does the board reflect the diversity of people that are served, including nonprofits that work with nature and people. And then finally transparency. If you can't see inside the company how do you evaluate risks. So, so in innovative metrics, one of the things that we encourage everybody to do to be a sustainable investor is look up the information either from the company itself, which they report on their website, or in reports called sustainability reports corporate social responsibility reports or impact reports. And this is there's databases that can provide this information, and one of those that does so around greenhouse gas emissions is fossil free funds at fossil free funds.  And we'll cover that again later in our discussion. So just to put a finer point on it. You say what's the state of today. The state is that 92% of the 500 largest companies in the US have diversity policies. That's good. 92% out of it, but only 19% have actual metrics of tracking gender diversity racial diversity and similar. So we need to close this gap we need to close the gap between actual metrics where we can track performance versus a promise through a policy. Increasing number of companies are instituting a fair wage of $15 an hour or higher target is one of the first to have done this Bank of America is committed to $20 an hour. You may disagree with these companies operate in other ways, but there is increasing competition for labor and for good jobs and setting that fair wage that $15 an hour is only $30,000 a year if you work a full year, or $20 an hour is $40,000 a year. So this might be a tougher wage to live with in a city versus accounting. And the average CEO pay has continued to spiral out of control, and there's a lot of reporting to the government on this and unfortunately CEOs continue to get overpaid, while everyday workers don't get paid. There's resources there's something called science based targets the science based targets initiative is put on by the carbon disclosure project, World Resources Institute and others, and it's tracking the more than 1000 companies around the world who say science is important, and more than 800 companies actually have a target like Levi Strauss says we're going to reduce greenhouse gas emissions 95% by 2025. There's a lot of work to do to get there. Stanley black and decker you might have their tools in your garage. They've committed to 100% greenhouse gas emission reduction by 2030. And so that means every year from now till 2030 they'll have to reduce it eight to 10% every year year after year. And last year under COVID greenhouse gas emissions worldwide went down five to 10%, but have already come back with the recovery. And this is a new innovations we have to focus on and so companies like Tesla with electric vehicles or beyond me with meatless food proteins. Those are companies that are trying to bring these new solutions to market, and hence while they may be a focus for sustainable responsible investors. So I'm going to show you a chart in gender diversity will show you a chart in just one second the shows we still have a ways to go to be at equality or parity. And then one of our favorite metrics is actually lawsuits. So if you read the end of report, or the what's in the sec calls the 10k report. So you have to report who's suing them, who they expect to sue them, and for how much. And what we found over 15 years of analyzing companies for being sustainable, responsible, or impactful is that the more you get sued as a company, the more you are as an investment. One, it takes away time for managers to focus on it to sometimes you have to settle or lose a court case, you have brand risk, the stock price may fall. So companies that don't get sued, generally are in balance with customers, employees, environment and government, and companies you do get sued are pushing it, and sometimes over the line or up to the line but it's out of balance. So let me show you, let's talk about climate for a second, because this is a. This is something that there's a information and an education gap. The Paris commitments that you may have seen talked about in the news, they're encouraging countries around the world all countries around the world and the institutions inside them to only raise the global temperature to only conduct activities that raise a global temperature up to one and a half or two degrees Celsius. Now you might think that it's like, oh, well, we live in San Francisco, it's 60 degrees today. It could be 62 or 64 that's not too bad, but this is a global temperatures is an average around the whole world, and that we live in a balance just like our bodies live in a balance. Our temperature is 98 degrees inside our body like you see on the right hand side. So another one and a half or two degrees Celsius when you convert the Fahrenheit and add that to your body temperature. If our body temperature is like the Earth's body temperature, and you have a few have a temperature of 101 or 102, you have a fever, you don't feel that great, you might want to stay in bed. You might be contagious to and current behavior in the whole investable world is there's estimates that if we just continue investing the way we do today. The Earth's temperature could grow for five six degrees Celsius, which is another seven or 10 degrees Fahrenheit, which means your body temperature would go to 105 to 109.  This is what we have to avoid. So this is the per one of the purposes of sustainable responsible investing is finding the companies, muni bonds, mutual funds that are investing in more efficient companies companies with aggressive targets, muni bonds that have the use of investments like city of San Francisco does for green purposes to be more efficient with energy to put in sensors to put in bioswales to help drain water from flooding. All right, so let's just pause here for questions we've covered a lot I see there's some questions in the question box which a little bit. Both of them actually about inflation Leah do you want to describe them at all. So, the first one is how likely do you think it is that the United States will enter a period of high inflation, like during the 1970s, within the next 10 years. Yeah, so this is a hot topic. For those of you who are tracking interest rates, you can look it up at the Federal Reserve, which has a website called Fred fredi. And interest rates in the 1970s used to be 10%, or higher. Some of you may have had mortgages that were 101214% if you had a house mortgage in the 1970s. And since then interest rates have come down globally, for the most part, including in the US. And, and the reason they've come down as a couple of reasons one, we've understood how to eliminate more risks, though now the next wave of risks is coming so that is a risk that interest rates could go up. And interest rates are approximating zero now. So it's hard to have interest rates lower than zero, though it's happening in Europe. So if you're in Germany, and you put your money in a bank.  So in addition, another risk is things like other currencies so cryptocurrency is emerging some younger people and people of all ages are investing in cryptocurrencies thinking wow maybe I should have an independent currency of a country. So to let that survive there the fiat currencies may not easily permit independent cryptocurrencies from continuing without some regulation. So there's definitely a possibility of higher interest rates, but what are elements against that are. Global workforce and we're all on a zoom webinar right now and so several of us, you know, many of us can work remotely. And that means that the supply of labor is global, not just local or national. So that's another pressure if you look at the labor rates around the world. It's going from like a curve to a flat. And that's been happening for the past several years and our view is that it will continue to happen. But a different theme that you may want to think about independent of interest rates is self sufficiency. So back in 2018 2019, we had wildfires in Napa Sonoma, rest of California. And that's where we came up with a theme called self sufficiency and radically decentralized self sufficiency. And so this is like, if you need health care, can you get health care locally if you need energy do you have a generator.  And we even saw that when the Suez Canal got blocked earlier that impacted global trade for at least a week and rippling through. So, there's lots of risks to evaluate, and how we, when we're constructing ratings on investment or a portfolio, or managing portfolios for investors, we think about all these risks, and we pursue the ones that are more likely to be the sustainable responsible world and are investing in solutions related to that. So I'll pause right there. So hopefully that was a appropriate, you know, thought process for talking about inflation and other future risks. And this is the thing about any portfolio future risk is is your criteria and so I think that relates to this next question from Christina, just a little bit long but Leah do you want to share what that is. I think that when you, she's, it's to personalize I think you, she gave an email to answer her directly. Okay, the other question was, what type of investments do well during periods of high inflation. Okay. Yeah Christina I'll follow up with you on your more detailed question. Yeah, so during if inflation returns. What you want are companies that sometimes have what's called real assets. So, those could be real estate and real estate in a real estate like a house or property. Investment trust rates. They're known as. So those are some materials, if the inflation is being driven by higher oil or metals prices. That could be helpful but commodities have not traditional commodities have not done that great in the past decade so we'll see if that changes in the coming decade commodities that could do good in the coming decade are in clean water and clean water, sustainable forestry, there's companies in sustainable forestry there's companies and mutual funds in clean water. There's also rare earths like lithium, which goes into batteries that go into rechargeable renewable batteries. So, sort of going sector by sector you can see that and some of the inflation right now, like if you go to Costco today or to the grocery market, you know my toothpaste used to be eight ounces now at 6.8 ounces. It's the same price but they're giving you less so there's some invisible inflation that's happening there, but with a global market for labor with hyper competition prices, unless you have a monopoly price pressure generally is lower. The good news is, there's some inflation potential from employees starting to get paid a fair wage, and that may ripple through so things to be concerned about our high labor cost business, labor intensive businesses may have some more inflationary pressures on them. Okay, so the other is another question about diversity, diversity metrics. How can a person find the 8% of companies that do not have diversity policies, or the 19% of companies with diversity metrics. Great question. More and more tools are starting to emerge to pick these up but there's no easy way to do this so the hard way to do it is look it up one by one yourself that's obviously time intensive. So if we put that chart together so we actually have the list so that's something we do publishing around is to call out companies on that list of who doesn't have a policy and why. Frequently it's the newer companies to the S&P 500. So the growing ones that are starting to become big most big companies have those policies, but the ones in metrics are actually interesting. We just did this recently for the Dow Jones 30 industrials. So only the ones that have metrics are only about half of names that we all know. So good ones are salesforce.com and Apple and travelers insurance and visa, and they're now publishing what is a required government document called the EO one, the equal employment opportunity one form and most companies over 50 or 100 people have to report this but traditionally it's been traditionally it's been confidential. But there's enough after last year's after George Floyd last year and racial protests. The heat has turned up on businesses to have these metrics report these metrics and but there's companies like IBM and Procter and Gamble which are diverse internally but they're not reporting their metrics it's really funny. So yeah happy to follow up with you on the specific companies that we found in our research. All right so please ask more questions along the way. This is being recorded the PDF will be available afterwards. I don't know this yet one of the things that you study like where we're all these environmental impacts coming from. There's something called scope one scope to and scope three scope one is what happens inside the company scope to is the energy you buy like from PG&E which is one of the highest renewable portions of utility energy in the country, as opposed to like Kentucky or West Virginia or Caribbean coal, and then scope three this is where a lot of uncertainty is. This is what product what impact your products have. So Procter and Gamble invented cold water tie, because part of their analysis was, do you need to use hot water when you clean and hot water helps clean clothes. So that's how they came up with cold water tide is, could we save customers money on energy by having a cold water type product instead of warm or hot water type. So this is yogurt. So yogurt, you know comes from dairy, which comes from cows cows. A lot of cows in the US eats grain, but cows aren't built to eat great cows are built to eat grass. And so when cows eat grain, it's a little bit disagreeable. And so they burnt and create methane, or they fart actually. And so this. Like Stonyfield Farm said, all right, we're only going with grass fret cows, because that's how cows were built over 1000s and millions of years. So these are the types of things, you know, and McDonald's is doing a deep dive into its supply chain to figure out how to a one, you know, put, have more sustainable meat that it serves, or like Burger King has, you know, made a big bet into beyond burgers and serving beyond burgers. So that's just a, you know, some additional vocabulary that you might see a few do this. So climate is one of the big threats, you know, we talked about inflation but this is a big future risk going forward as climate. This is a 3000 county map of the US you can see all the counties in California and other states. And you can see that red is more at risk and less resilient. This is from Florida, Texas, the south, also the coast, where there's water risk. It also comes from the policy. So the policy of some states is not yet acknowledging climate so you need to factor that into how you think about the world so Alright, so here's the chart over time in terms of like diversity, you can see the policy gradually going up over time and the metrics gradually going up over time but there's still this huge gap. And we think that's a difference between action and aspiration. And then women on boards. And still women on boards are in this 35 to 40% range. Women are half the population, they're more than half of the university graduates, they're more than half of grad school graduates. And so we think that more women will make their way onto boards, especially as there's more stakeholder capitalism having nonprofits and government leaders, just like Lisa Jackson used to run the EPA and is on the board of Apple. So the policy is. It's sorry I misquoted the women on boards is up to 26% women in the workforce is up to 39%. And you can see the managers in between. So, there's still a lot of work to do every year as the S&P 500 changes over the new companies may not yet have a woman that usually is now getting fixed within weeks. All S&P 500 companies today have at least one woman on the board, but almost none have more than 50%, just a handful like L'Oreal. Okay, so what can we do about what are ways to get practical about it. So the good news is, and this has been accelerated by COVID. During the last decade since 2010, sustainable responsible investing has become more prevalent. And it's been put on hyper growth in the last year with COVID, as people have said, oh, there's a lot of crises we need to solve for. One of the things we do is we look at 10,000 companies around the world. And what we're looking at is for these metrics that we talked about, women on the board, greenhouse gas emissions, employee pay, our companies tilting more towards the positive or more towards the negative. And what we find is over time is a company like Pepsi versus Coke. You know, you may not like either of these because they sell sugar water and processed foods. What's interesting is that they're diversifying into more sustainable foods. It's still not the majority of what they do. But some investors like, okay, they're making progress where they see the vision and they're working their way there. For some investors, that's okay. There's other investors that say, I want nothing to do with Pepsi. But let's just take the Coke and Pepsi challenge. Some of you might remember this from growing up. There's a TV of which tastes better. And one of the interesting things is Coca Cola is 100% beverage company. And Pepsi is a half food, half beverage company. And one of the interesting things about water usage, if you look at the last line, is even though Coca Cola is only twice as much beverage as Pepsi, it uses four times more water. Now that's amazing. And, you know, it's not just the water that goes in the, it's the water in processing, farming the ingredients and the like. If you drink a unit of soda, in general, you're drinking two to three units of water consumption. It's not going into your body, but that's what was used to produce it. And you can see that Pepsi is, you know, as some other advantages over Coke. And so if you said, am I going to pick Pepsi or Coke from a sustainability perspective, maybe you pick Pepsi if you're okay with that whole category. So things are growing fast. And what you can see on this chart on the right is the higher rated sustainability companies, the companies who are doing better, or doing good, but at least doing better, tend to rate higher and tend to have higher returns over a period of several years. And ones that rate lower actually are riskier and more volatile and don't always deliver the return. So it's not all companies over all time periods. It's a mix in a portfolio. This is a mix of all 10,000 companies that we track around the world. And so what you start to, you know, if you have a financial advisor, if you have a family member that you're investing with, they're like, Oh, isn't that all tree hugging. It's not tree hugging. I mean it is tree hugging, but it's also can be profitable tree hugging. So that's the key here because we have some more questions that you want to answer and then we'll get into tools you can use. Lea, do you want to call out any questions there? Sure. JC asked how do you evaluate an ETF or mutual fund that claims to be ESG focused. Great. Yeah, so great question. And I'll just preview what we're going to cover in a few minutes. If you go to fossilfreefunds.org. There are several different filters that they use for deforestation and for gender equality and the like, so you can type in a mutual fund name or ticker. There's also included in our PDF here, a website called Clean Portfolios that does something similar to show you what the overall sustainability rating can be. There is some data now like on Yahoo Finance, you can see a sustainability score from a company called Sustainalytics, which is on by Morningstar. And so they have a view on it. So there's a couple different ways you could go about it. We also have a portal at Hip Investor that you could sign into and see some of the sustainability metrics and scores. I see another question called SRI and ESG. SRI historically is called Socially Responsible Investing. It's more recently called Sustainable Responsible Investing. Some people call it Sustainable Responsible Impact Investing. It's the process of applying these criteria about people, planet and trust to your portfolio. ESG stands for Environmental Social Governance. Again, people, planet and profit. They're directionally the same. Some applications are more intense, some are more loose. Some people saying they're doing either of these things can get accused of greenwashing or impact washing. So those are the high level definitions. This is why we like to get quantitative of what are actual metrics of like actual employee pay, actual CEO pay, actual board diversity, actual greenhouse gas emissions, actual product impacts. And that helps to sort of tune up the level of understanding accountability. Leah, other questions? Yeah, how do you reconcile the presence of some vanity metrics versus the real impact often negative of companies? How do the different metrics offset or balance each other? Is there some net score? Yeah, so great question.  And so Tesla could rate high or low depending on how you weight those factors. One of the things I think a new thanks for these intelligent questions is asking about is you can see on this graph on the right. Why are there no bars for 80 to 90 and 90 to 100? There are no companies performing at that level, at least in the public markets globally. And so what we see is the majority of companies are below 50. They're in this net negative tending towards dystopian tending towards our body temperature of 105 degrees or higher. And to be a public company today is to be an extractive enterprise. So step one is to say, well, do I want to be invested in those companies that are contributing to the problem and maybe you're going to face higher future risks? Or do I at least want to take the best available solutions? And it may not even be in all industries, you could exclude things like oil and gas from your portfolio. And that's what the right hand side of this chart is about. The right hand side of the chart is companies that are that are leading or doing better or innovating, reducing their future risk, solving a problem that exists in the world, and bringing together people who will help solve it. So that's, we could have a day's long discussion about this one, but I'll just pause there. Yeah, other questions. Yes. What is the EEO one counterpart for environmental impact? There is no required government disclosure equivalent to EEO one is an awesome question from JC. The closest are OSHA requirements about some emissions and EPA requirements about some emissions, usually related to manufacturing or mining. I've had direct debates with SEC commissioners on this about, hey, let's bring the greenhouse gas emissions methodology that's been in place for 20 or more years, where thousands of companies have reported on this voluntarily. Let's mandate that for US company disclosure. And at least with some of the more conservative SEC commissioners I've spoken with, they're like, oh, it's different by each industry. And that's not our job. So that will probably change during the current administration versus previous administrations. But this is where each of us on this call should contact our representatives who fund the SEC and pressure, especially the financial services committee to bring this type of disclosure and transparency to it. You can also do it directly with companies. You can write investor relations. You can tweet at the company. You can do social media. So all of us need to apply pressure with verbally and in writing in what we buy, buying products from companies who are leading versus lagging and continue to put this pressure on. But this is great. Yeah, I'd love to see more of this required disclosure versus voluntary disclosure. But it's happening today as, as more investors are thinking about this type of and allocating. You're seeing companies say, oh, what do we need to do to keep those investment dollars or purchases. Yes. How could one go about converting their conventional portfolio to a more sustainable one. What are the steps. And doesn't it cost more for a company to have sustainable practices. And doesn't this make them less profitable, or is this a misconception. Right. Great question. Common question, and very thoughtful. I'm going to start with the last question first. And that last question is, does it cost more. It might. But does it return more. It does often. And that's what you can see on this chart is the companies who might spend more, or invest more in sustainable solutions for people, planet and trust. In general, are more profitable and less risky. And that's what we've done the 15 years that I've been doing this at hip when I started the company 15 years ago their versions of this chart every year. They were higher rated sustainability companies might pay more for employees, but those employees are more productive. They might take more care of the environment, but they're not drilling empty wells of water. They might spend more to not break the law versus taking the low cost approach, but they're not getting sued. So the cost question here is, maybe it's more costly, but you need to say what is the return on investment of investing in people of treating nature as a resource to preserve and thrive, and of preserving trust building and preserving trust. So the return on investment is the key metric not only cost but return on investment, because when we only focus on costs, that's how we get minimum wage at $7 an hour in some states, and that's that is not a sustainable way of living, let alone investing. All right, so let's say what can we do so one thing you can do is look across your whole portfolio. Some of these may apply to you some not. You might just call if you have a public portfolio you're probably in equities, you might be in some real estate or real estate investment trust, you might even be in some bonds or many bonds, and then even cash. So one easy way to get started is where's my cash, you know, is it at Citibank, or is it at a community bank and community banks do a lot of community investing. There's an investment called CDF eyes community development financial institutions there's also credit unions. Now you don't need to put all your money in one place, but you could put some of it there. And then there's a investment called CNOT my CNOT MY CNOTE, and they invest in a mix of community banks, and they make loans, those banks make loans to women and people of color who are entrepreneurs. That's about two percent, and maybe more. So you can make more money than cash at a bank by investing in the community for muni bonds if you hold any of those, especially some of you might hold those both for, you know, ballast or safety in your portfolio, and to generate income, an increasing number of muni bonds are being issued as green bonds, or blue bonds related to water green related to energy and environment. So that is a way to get started and there's some mutual funds and ETFs that are called sustainable muni bond funds. So that's another type. Then there's equities either direct companies, we mentioned some companies before like Tesla, Beyond Meets, there's a new one out this year called vital farms, though that hasn't been well since its IPO, which has, you know, free range chickens and eggs. So there's companies and then there's funds. So let's get to some tools for funds. And again we'll share this document with you. So here's Kristen Magnuson, she's an architect. She works at a company here in San Francisco called Stoke ST okay. Not only has young people and middle-aged people and older people who are making buildings greener for their clients, they have a 401k. That's more sustainable. And so we mentioned as you so before, which works on helping investors become more sustainable. And inside the company, they've adopted this so it's not just you yourself, it's a group of people inside your company that can help make your 401k more sustainable and we do this for Stoke and we do this for others. And this even got covered in Fast Company magazine five years ago back in 2016 about how to make your 401k more fossil free or sustainable. And most people want this. This is not, this is a no-brainer for most people. They do believe that sustainability matters. They'd like their portfolios to represent this, represent making the world better. So three tools that you can look at are cleanportfolios.com, fossilfreefunds.org, and the hip investor portal that we have as well. And in cleanportfolios.com, one of the things you can see is like, what do other companies offer in their 401k? And so one of the companies that we've loaded in to this clean portfolio site is the Google 401k plan. Only one of the 24 funds in this Google 401k is socially responsible. And on average, most of the other funds have exposure to that. So you can pick like when you want to retire and what's important to you like environment or equality. And then what you can see is to compare and contrast different funds, and you can see that some funds are more sustainable and some funds are less sustainable. Some funds have more fossil content. Some have less. You can even see the socially conscious one other resources, the US Sustainable Investment Foundation, US SIF. This TIA CREF fund is one that has expressly purpose of being sustainable. So it takes a little bit of research. There's some online tools that can help you. And this is a tool where you could then make a new portfolio and say, well, what happens if I put some of this in? So if I allocate in this way, how does my overall sustainability score change? So that's one tool. A second tool, which is now like a series of tools is fossil free funds. And when you go to fossil free funds, they have gender equality funds, deforestation, tree funds and the like. So this is by our nonprofit partner, as you so. When you click into a particular fund, Parnassus is a local company in San Francisco on Market Street. This is their endeavor fund, which invests in companies that are good places to work. And there's no fossil. There's no oil, gas, coal or fossil utilities. In others, like you saw in the Google plan, there might be 5%, 8%, 10% in fossil. And if you think that that's either contributing to a world you don't want to live in or risky for your portfolio. Those are choices you can make to then pick new funds. Morningstar has analyzed sustainability and what they've found. I need to update this chart, but the data is similar is more sustainable funds are outperforming currently. And whether those be equity funds or munibond funds or allocation funds, which is a mix of stock and bond funds. And so in general, not all, but in general, sustainable funds are investing in companies and munibonds and corporate bonds that are less future risk and more upside potential from solving these problems. So let's just pause there for more questions. We still have another 10 minutes or so nine minutes or so for questions and and my contact upload my contact information to in case you want to write any questions to me, but I'm happy to answer these on the call together and keep going. So, what's next. As an investor yourself in impact investing do you feel frustrated at the pace of change of priorities, both companies, institutional investors and retail investors, especially given the potential dire consequences. Are there interventions for more direct action. So I'll put this to do list back up here. Am I frustrated. Yes. Am I optimistic. Yes, so I'm a short term warrior long time optimist. And the good news is more and more people are getting mobilized by these five crises of COVID and income inequality and climate crisis and racial inequity and lack of trust and institutions like these are dramatic problems. But there are young, middle aged and old people who are solving these problems and they're doing that in business social and government institutions as well as in military and academic sectors and the like. So bringing this cross sector approach one of the things that is really exciting is I'll just go backwards here is like the city of San Francisco and other cities have a need for climate action. Now, most of these cities are not funded for the climate action, like we're just trying to like serve all the citizens as it is. So some of the solutions are going to have to come from not only the muni bonds of San Francisco, but partnerships with corporations. So in Sunnyvale, Apple has made partnerships with the surrounding towns and cities for the water supply as it continues to grow, or Google has partnerships for transportation of CalTrain. And so these cross sector partnerships, you know, looking for companies who are solving sustainable development goals. Another reason for optimism is, this is a framework the SDGs you're going to start to see more of this in the market markets, you're going to see companies who are already committing to SDGs sustainable development goals or 17 of them these are all the things that could be better in the world, like no poverty of gender equality, good health and well being and clean water. And you're seeing funds mutual funds and ETFs start to adopt these SDGs. Those solutions are going to come from companies, they're going to come from governments, and they're going to come from nonprofits, and we're going to see cross sector solutions happen so ways to get involved are one vote with, vote with your time and your money. So where you shop matters, every company looks at its revenue every day, if not every week. So make a different purchasing decision support a product that is more sustainable, where you work. So work at a place that you feel good about, especially since you probably work hard, work at a place that's helping make a difference in these types of solutions. So while we're all here today to discuss your portfolio, start to shift your portfolio or shift all of it up to you. But with either 1%, 10%, 50% or 100% shift to a more sustainable portfolio and do that with other people friends family, or do it at work with your 401k. So how you vote, it still matters how you vote, and people who believe in science are needed, and we need to like more scientists and doctors and biologists, but we also need to, you know, like people who can compromise and find solutions in our difficult world that we live in today. So that's the mix of things that we can do. And then, if you don't like how a certain in company or investee is behaving, call them up, write a letter. I don't think anybody still has fax machines. Social media is a good way to do it because then other people can pile on and you can share it. And write on medium.com or linkedin.com. There are many more tools each of us have. And then from time to time the sec will have new rules that they're proposing the 401k rules are going to be updated soon again through the Department of Labor. Write, create a public comment through that public comment process influence your local legislatures to put in place policies. So there's so there's like a long list of things all of us can do where we shop, where we work, how we invest, how we engage with those investments, how we vote, how we influence policy, how we bring other people along. And so one of the good things about social media is we can find others who want to do that as well. And that helps us take care, collective action together. So that's the question, Paul, does a total shareholder return mean dividends plus stock appreciation, or does it have something else. Yeah, total shareholder return is what dividends you get paid, which are zero to 5% from a S&P 500 company averaging one to 2% usually for some funds, plus the stock appreciation or depreciation together. And so that's the total shareholder return that's what you get, whether you collect the dividends and cash or reinvesting in the stock. JC asked mentioning banks, are there brokerage firms that are banked for ESG. For instance, Vanguard seems to be quite popular in most retirement accounts that they only offer one ESG product to consumers. Yeah. So let's see. So banks, there are community banks and credit unions. There's also sustainable banks. There's a sustainable bank called Aspiration. So in big banks, or in big investment firms, they're mostly moving in this way, because investors want it both individual investors like most of us here, and institutional investors, endowments, foundations, pensions. This is, remember, I mentioned that hyper growth earlier. This is happening now. It's, you know, more is happening. Some of it is a little bit greenwashing, some of it's a little impact washing. For Vanguard, again, call them up, ask for it. You may need to ask to be escalated once or twice, because the people on the frontline may not know the answer. There's, from the Vanguard branded, there's the FTSE social good index that they've offered for quite a while. That's not always the best fund. It's a fund, but it's always the best one. If you have a Vanguard account, you could pick non Vanguard ones like Parnassus or Trillium or Etho ETF or Change Finance or Green Alpha next to the economy. So there are other non big brand. There are other funds that aren't necessarily the brand of the institution that can do the work. I do see a question here about the potentially higher expense ratio. It's the same thing about the cost of labor. If you want to pick the cost of labor that's lowest, you won't necessarily get the best outcome. It's the same thing on a fund. You might pick the lowest cost. But remember that low cost index could be leading to a global body temperature.  And so what you're paying for with some of the fees is the ability to do this research, find these companies, engage with these companies. And remember, when we've done this analysis, the net return you see in a mutual fund or ETF is the net return. They've already deducted the fees. You see a sustainable fund outperforming a traditional fund or an index. They've already deducted the fees. And many of those, you know, there's a catalog of those that do better, even with some higher fees. So don't be careful of limiting yourself just to the fees. It's true that fees are fixed or known and returns are unknown. You also get what you pay for. And so in some cases, if you pick something lower cost, you may not get the best value. It's okay to pay higher fees sometimes if you're getting the value for it. If you're getting higher, if paying higher fees and not getting the value for it, that's a bad decision. But this is, you know, funds also change over time, you know, change the holdings. So remember this is all for your education and information. These are not specific recommendations, but they are examples so that you can get to know them better. And, and this is what we do, you know, and have done every day for the past 15 years at in how we rate investments, manage portfolios and advise people. Leah, anything else as we get close to wrapping up? You're on mute. So, so as we mentioned before, we're happy to, we're happy to answer your questions. We'll have the PDF shareable. This webinar is recorded and, and then feel free to be in touch and be in contact. But just take action. It's up to us, you know, it's up to our where we shop, where we work, where we invest, including our 401k and how we vote. So, so glad everybody could share this time together. Appreciate all the thanks in the chat box and excited for each of you to take action in your portfolio. Thank you, Paul. Thank you for the presentation. Thank you so much, Paul. And, again, we'll send the recording and the slides, and we will probably send the chat transcript as well. And we'll see you all at the next program. Thanks so much.


The affordable Aspire lineup of devices has been updated with Tiger Lake processors by Intel. This provides quite a substantial upgrade, especially on the GPU side. Moreover, we saw the Aspire 5A51454 listed with a GeForce MX450, which also sounds interesting. However, the Aspire 5 series has never been intended for gaming or heavy computing. Instead, they are meant for people that need to do stuff on the go, and they want it done quickly. This notebook is not really a premium one. However, this doesn't mean it can't utilize materials like aluminum. Also, it's rather light with a weight of 1.45 kilos. Interestingly, the lid acts as a lever for the base, lifting it by a couple of millimeters of the ground to provide a better airflow. Other than that, you get slightly shallow key travel and good clicky feedback. In addition to the barrel style power plug, there is a USB type C 3.2 generation 1 port and 3 type of ports, 2 3.2 generation 2 and 1 2.0. Also, you get a LAN port, HDMI, and an audio jack. Here, you can upgrade the memory via one RAM slot, while the storage can be expanded via M2 slot and a 2.5 inch SATA drive bay. Thankfully, the SATA connector is included. If you want to see how to open the laptop, you can check out our teardown video. Only 2 per 100 people watching this video are subscribers. If you decide to just start following us, we'll be able to reinvest more in our laboratory thus making even more helpful videos for you. Thank you, you're awesome. This is a budget friendly machine with a budget friendly display. The 1080P IPS panel has comfortable viewing angles and a very good contrast ratio of 1470 to 1. It covers only half of the colors of the sRGB gamut, which makes the picture a bit dull. Thankfully, there is no PWM in the brightness adjustment, which makes the long runs on this device comfortable. The battery life is very good with 11 hours of web browsing or 8 hours and a half of video playback. As usual in this class, the Aspire 5 can be equipped with up to the Core i7 1165G7 and GeForce MX450. In order to keep the temperatures down, the clock speed of the Core i5 1135G7 drops to 2 GHz after about 20 seconds into the torture test. This, in turn, results in rather low maximum external temperatures. We monitored about 36 degrees around the WASD area of the keyboard. To be honest, you get more than what you pay for. The input devices are decent, upgradeability is on point, and Aser even provides you with the connection accessories for the 2.5 inch SATA device. Moreover, the battery life is good, and the screen doesn't flicker at any brightness level, which ensures comfort during long periods of use. Sure, the thing lacks an SD card slot, and the integrated GPU is a bit underwhelming, but if you're not going to play heavy games, Aspire 5 might be a pretty good choice for you. If you'd like to find more information about this machine, you can see all of the tests we performed in our in-depth review. Link in the video description below.


Bismillah. First of course is to gear up aprons, gloves, at the time of corona, face masks, face shields. It's important to gear up before every washing and shrouding no matter what the Janaza is. Before doing the Janaza of course you can have the kefen prepared, three shrouds for the brother and five shrouds for the sisters. We always place a aura cover over the deceased before initiating the ghusl, before removing the body bag, before removing the clothes, cover the aura. Testing the water to make sure that the water is of good temperature, not too hot and not too cold inshallah. The first step of doing the ghusl is al istinja, cleaning the privates front and back. And the way that we check to make sure that they are clean is the water that's coming off of the sponge and the water that's passing through the drain or passing to the drain is clear. After cleaning the front part of the private part we're going to go to the back first by turning his feet over to the side that you want to turn him to, turning his arm over, holding his waist and his shoulder blade and pulling him to you. The next step which is the wulu, the same wulu that we would make for salah. So we would start by saying Bismillah, cleaning his right hand three times and then the left hand three times. The mouth you don't put water inside rather you just clean what's outside. The nose, same thing you want to clean what's outside. After the face you're doing the right arm three times and the left arm three times. The same wulu that we make for salah. Very next step after istinja is wulu and we're going to transition from wulu to the first rusul, the first washing which is just using water and one simple way that we can wash a brother or sister without having to take too long is to turn the brother or sister to their left side exposing their right side and having the washer clean their entire face, head and then cleaning the right side front and back at the same time and after the right side has been cleansed front and back we're going to gently put the brother or sister down so that we can clean the left side. We're going to transition this first washing of water to the second washing which is with water and any type of detergent. So now we take this mixture and we do the same exact process of washing the head first, the entire head and after the head is cleansed we're going to turn him to expose his right side cleaning his entire right part of the body front and back and then the entire left side. The last rusul, the third rusul is with water and kafur. Kafur comes in different forms we're actually using the liquid form which is a more potent form about five six drops is more than enough to mix with some water and we also add raitir, rotur, some type of good smelling body oil. Once that mixture is done we're going to do the same exact process cleaning the head and exposing the right side to us so we can clean the entire right side front and back and then we're gonna wash the left side front and back. After the washings have been completed we're going to pat dry the brother or sister and also wipe the table down inshallah preparing him for the next step which is the shroud. The way that we do that is by turning him to his side drying the entire table as best as you can and then bringing the shroud which is as you can see here half folded half unfolded and we're going to bring the folded side into his back as tight as you possibly can bringing it as close to the inside of his body as possible right there tucking it in so when shrouding the first step of shrouding the first area shrouding is the right side unlike what some people may think it's not salah you're not putting the right side over the left side like in prayer this is clothing and when it comes to clothing the sunnah is to start with the right side so we're starting with the right side and alhamdulillah by the last permission this is how you keep the outer covered at all times and if you pay attention to his arm making sure that his arm is at his side and it's not you know behind him or twisted in any way and this is a good time to pull out the at the bottle and start wiping it down there are different ways and methods to perfume a shroud inshallah this is the proper way to shroud which is to pull the shroud all the way up towards the ceiling and bringing it down nice and tight so now alhamdulillah the brother or sister would be able to be placed in the way and in the space and in the area that you wanted them to this is the third and final shroud this is going right and then right over right here and then the left would come after that it's also important to tuck under the feet like that and when finishing off you want to make sure that you're pulling towards the head and you're pulling towards the feet to make the kefin as tight as tight and as neat as possible now we're going to transition and transfer our deceased brothers and sisters from the wash table to the box so this would be the transition we placed them on a board we bring his feet about halfway in and then we just control his weight from the top we control the weight from the top to make sure he doesn't slide down and then we force him in all the way close to the edge of the box making sure that he's in making sure that his head is cleared he has space over his head we turn him to one side and we remove the sliding board now the brother or sister is prepared to be viewed by their family or friends whether it be at the funeral home and or ready to be taken to the masjid for Salat al-jinaza it's extremely important that we remind ourselves of the great virtue and reward of washing and shrouding our deceased Muslim brothers and sisters the Prophet Muhammad SAW said whosoever washes and shrouds his brother and conceals all that he sees meaning he doesn't expose anything that he has saw in the washing Allah in return will forgive them 40 times over and whosoever shrouds his deceased Muslim brother or sister Allah subhanAllah will shroud them Yom al-qiyamah with garments from Jannah may Allah subhanAllah grant us all that reward Allah Mami here we see the sisters mashaAllah taking care of the process of handling a washing and shrouding of a female the washing and the washing process for females is the same for brothers it's the same is thin jet it's the same will it's the same washing with water it's the same washing with water and soap it's the same washing with water and kefir the only difference may be when it comes to the separation of the hair they place it into three braids now the shroud is of five pieces versus the three pieces that we had for the brother which were equally cut pieces of shroud the sisters have five pieces of shroud two long one skirt is our one camis shirt and one hijab and they prepare it the same way as we prepared before halfway so the sisters from moving the deceased from the fridge and placing them onto the wash table and preparing them for the whistle as you mentioned the whistle is the same but as you see the sisters has made they have made the aura cover much longer and larger to cover the sister more than the brothers would cover ourselves rolling the body over and tucking the bag in the middle of the spine and then rolling up the rest of the body bag into a ball protecting from any leakage and putting it into the garbage once the washing has been done as we mentioned the same as the brothers is for the sisters they're placing the sister on the shroud making sure that everything is ready placing the hijab placing the shirt over placing the izad over removing the bag and the final two pieces of shroud so it's to shroud one shirt one lower garment and the hijab and they also are tying the ribbons to secure the kefen from becoming loose in transit whether it be to the masjid or to the cemetery you're also permitted to perfume a sister shroud may Allah subhanahu wa ta'ala accept the washings and the shroudings of all the brothers and sisters and allow us to perform this in the proper way according to the Quran and Sunnah Allahumma Ameen Ya Rabbana Ameen


So this November, you're gonna fall for another big talking phony who's all hat and no cattle Or a big talking phony who doesn't even know what that means ha That's good crack in America I'm you'll fold right and I approve this message