If you're new to this channel, I'm Bullpony out your new car truck SUV reviews on YouTube and today we're in the brand new 2024 Nissan Murano courtesy of younger Nissan in Frederick Maryland. For more information on their inventory, please feel free to check out the link in the description box below. So this is Nissan's luxurious two row SUV and this may be the final year from the Murano before a complete redesign as well and the base S trim level is gone for this year. I'm just going to get that out of the way but ultimately in this video we will be testing out and going over everything about this one from acceleration to braking, steering feel, ride quality, sound system, exhaust clip, all that fun stuff. So having said all that, what do you guys say? Let's just go ahead and jump right into it and as always, let's start with pricing. And so as you can imagine, there are several trim levels for the 2024 Murano. First one being the SV starting at $37,920, midnight edition for $39,510, got the SL which is the one we are in today, starting at $41,880 and lastly the Platinum going for $45,930 and so that was all pricing for the front wheel drive setup. If you wanted to add all wheel drive, you can do that simply add $1,700 then to any of those prices but regardless of trim level that you go with, the power plant on the Murano is going to be the same. Powering the beast is a 3.5 liter naturally aspirated, reliable V6, putting out 260 horsepower at 6,000 RPM, 240 pound feet of torque coming in at 4,400 RPM, that power being sent to the front wheels or all wheels through a CVT, zero to 60 time coming in at approximately 8.2 seconds with MPG numbers coming in at 20 in the city, 28 on the highway taking regular unleaded fuel and so now having got all of that out of the way, what do you guys say? Let's go ahead and find a straightaway. Let's put the Murano here to the test and let's see how quickly we can get our new 2024 Murano here up to speed. All right, here is our straightaway in 3, 2, 1, go. Instant, love it. Still not the quickest thing in the world, got to be honest, 0 to 168.2, it's respectable but it's not quick but one thing I did like, like I mentioned there, it is an instant acceleration not like an electric car instant acceleration but not like a turbo charged engine acceleration, I'll say that because with turbo charge engines, typically you got a little bit of turbo lag, the alternative which Nissan could probably use in this thing is their turbocharged three cylinder that they use in the Rogue but that doesn't have a little bit of turbo lag but with the naturally aspirated V6, you do have instant acceleration when you hit the gas so I personally love that, not only that with naturally aspirated engines, of course they are more reliable than their turbocharged counterparts as well so for that reason, I think the engine is perfect on the Murano but anyways then touching on braking because that is equally important of course, up front you will find 12.6 inch ventilated front disc in the back, 12.1 inch solid rear disc, as far as that 60-0 stopping distance goes as we pull up to a red light here that comes in at 120 feet, as far as the braking feel goes, it is a smidgement on the softer side of things but I will say 120 feet that number is perfectly fine, that's plenty respectable, typically with SUVs you get upper 120s if not 130 so 60-0 and 120 feet, that's great, I'm just not perfectly in love with the braking feel, it's just okay I'll just put it that way but anyways then touching on suspension and handling up front you're going to get an independent strut type front suspension in the back independent multi-link rear suspension front and rear stabilizer bars, as far as ride quality goes, that has been perfectly fine in my short little test drive here today so far, I will say ride quality has been absorbing Frederick's road imperfections perfectly fine and they have a lot of road imperfections here in Frederick so I don't have any issues with steering feel, I also really like because that is weighted on the heavier side of things so it better points you in the direction that you want to go as opposed to a much looser steering feel that you actually traditionally do find in SUVs so this is more like a sedan steering feel which is I think why I personally like it, it feels good in this thing, cabin noise, there is a little bit of cabin noise when you get higher up in the speeds especially the wind noise coming into the cabin, road noise isn't bad but you do get a little bit of wind noise coming into the cabin as you get higher up in the miles per hour I guess you could say, that touching on visibility I actually can see it perfectly fine out of my rear view mirror so personally I definitely don't have any issues with that but, meprinumatron's out the performance segment of this review you guys, let's now go ahead and take a look at the exterior of our brand new 2024 Nissan Murano, all right so here she is you guys the new 2024 Nissan Murano finished in Scarlett Ember, in case you were curious of the exact exterior color name that we have on this one and yes this is an optional paint option I believe it goes for $395 or somewhere in that ballpark but that's what you're looking at but as always let's go ahead and start with where the Murano is made, take a look at the vent, first character is the number five indicating that the Nissan Murano is built and assembled here in the US so let's go ahead and start up front on this one LED headlights with LED daytime running lights do come standard for all trim levels across the board gotta love that automatic feature coming standard with that as well along with automatic high beams for all trim levels so if you have your high beams on at night since the vehicle coming in the opposite direction it's going to automatically dim them back to low beams then when that vehicle is gone it's going to automatically bounce it back up to high beams for you there just below LED fog lights do also come standard on every single trim level of the Murano now didn't used to be that way last year because the S trim level existed last year that did not get them but with the SV trim level being the base trim level for 2024 now all trim levels do get the LED fog lights down below there and of course front and center you will either find a chrome or a black V motion front grille dependent upon the trim level that you go with so for the SL you're going to get that chrome for the midnight edition obviously you're going to get a black just for an example but anyways that pretty much rounds out the front end I still don't mind I still think it looks good up front but now let's go ahead and make our way to the side all right so now since you are around to the side of the Murano black or silver roof rails do come standard up top you'll also find black or chrome windows surrounds coming standard and all that once again dependent upon the trim level that you go with you will find that floating roof line on the C pillar back there differentiating the roof from the rest of the body of course little styling cue rear privacy glass is going to come standard for all trim levels across the board then take a look at the side mirrors body color power adjustable side mirrors coming standard that will be heated with LED integrated turd signals then as well gotta love that and then of course found on the side skirts down below you're either going to get some chrome or black accents again we have the chrome which I think looks pretty darn good it goes well with the chrome windows surrounds and the chrome door handles as well but then take a look down at the wheel setup 18 inch machine finished alloys for the sv trim level 20 inch alloys though for all other trim levels varying in design including the satin black wheels which actually do not come standard on any trim level they are optional they go for $1,730 and we do have that option quite honestly I think they look pretty darn good on this thing but anyways that pretty much rounds out the side profile let's now go ahead and make our way to the back of the morano right some announcements around to the back of the morano here taking a look all the way to the top body colored shark fin antenna just below that you're going to find a gloss black rear spoiler with an integrated brake light of course you also have that rear window wiper as expected back there but led tail lights do come standard for every single trim level across the board that isn't always the case so I do like to emphasize that we'll also get some like the video and subscribe lettering found on the back tailgate there so I'm just kidding of course but I have been doing this for around nine years now reviewing new cars so if you do like new car reviews go ahead and hit the subscribe button I would greatly appreciate it and like the video as well it does definitely help the reach of this particular video out so I do appreciate that as well but then making our way all the way to the bottom here you will find dual exhaust outlets with chrome tips they look pretty darn good down there but anyways I do believe you guys know now what we have to do next as always here is that exhaust clip right so now since you are around to the back of the morano when it comes to opening that rear tailgate it is a hands-free power tailgate for the sl and platinum trim levels only so you essentially could kick your foot underneath of the rear bumper there it is going to automatically open up for you if your hands are full but there is a button on the key fob there's a button on the lift gate itself and there's a button by the driver's side left need then to open as well but once opened up cargo capacity comes in at 31.1 cubic feet if that was not enough space there's a 60-40 split meaning the rear seats do fold down bumping that up to 65 cubic feet then there is also some there are some levers in the cargo area I should say that does allow you to fold down those rear seats very easily so I did like the convenience of that there's some cargo lighting back there of course there are grocery bag hooks plenty of them I like seeing that cargo tie down acres do come standard there's a 12 volt power outlet back there it's actually a cargo cover back there as well and then if you were to lift up underneath of that cargo floor you are going to find a spare tire which I personally prefer as opposed to the fix-a-flat and there's actually some space around that spare tire you could probably put an ice scraper or something like that if you wanted to as well but then make your way up to the rear legroom that comes in at 38.7 inches for reference I mean even six feet tall this is how much space I had back there rear passengers though definitely have it made in the Murano here is why you get rear ventilation coming standard I like that of course but rear center armrest with cup holders and not only the cup holders but there's also a little slot kind of to set a tablet or a cell phone if you wanted to as well there's dual rear USB charging ports I also liked seeing that heated rear seats though coming standard on the SL and platinum trim level so our SL has that today so it does get cold here in western Maryland so that is definitely going to keep your rear passengers quite warm so I liked that the only thing I believe is missing for the rear passengers is some rear windows sunshades Nissan maybe when the redesign comes out at least add an option for the rear windows sunshades or put it on the very top trim level or something like that because you don't know how often they do actually come in handy I'm just saying let's say they make your way up to the front seats 10-way power adjustable front seat with power lumbar does come standard four-way power adjustable passenger seat also coming standard gotta love that heated front seats also coming standard yet again I love that memory settings for the SL and platinum trim levels and that's for up to two different drivers there and then ventilated front seats are going to come on the platinum trim level only so overall as far as seat comfort goes it was great with power adjustable seats the power lumbar was plenty adjustable as well and the steering wheel telescoped out very far as well so for a six foot adult like myself it was super easy to find my perfect driving position in this thing it's speaking of the steering wheel it is tilt and telescoping it is leather for all trim levels as well and if you wanted a heated steering wheel yet again go with the SL or platinum trim levels 10-2 grips little bit on the thicker side and I absolutely love the feel of the steering wheel on this thing but so then make your way up to the startup let me start by showing you guys the key here you got your Nissan logo all the way to the top lock unlock the button to pop the rear tailgate and then the circular button that is your remote start which does come standard on all trim levels of the Murano I love that but ultimately it is all keyless entry with a push button start so all I'm going to do here simply put my front of the brake and press that engine start button located directly in front of the shifter and so once started up tachometer is all the way to your left speedometer is on your right there is a fairly large digital display front and center to control what is on that digital display there are some steering wheel mounted controls found on the left side of the steering wheel allowing you to toggle between different things like radio information there's your outside temperature there is a digital speedometer and compass if you wanted to leave that up there there's also how many miles you have left until you hit empty there's your trip a trip b of course average fuel economy the list goes on so pretty much everything you could possibly think of up on the digital portion of the gauges having said that wouldn't have minded seeing a full digital gauge cluster on the Murano much like the Rogue now does that but now let's go ahead and make our way to overall interior quality dual pane panoramic moon roof that is new for 2024 for the SL trim level so there hasn't been many changes for the 2024 Murano but that is one of them previously the SL did not get the panoramic moon roof but for 2024 it does and of course the platinum trim level does get that as well overhead sunglass holder does come standard across the board ambient LED lighting for the SL and platinum trim levels auto dimming rear view mirror for all trim levels across the board gotta love that then if you were to go with the SL and platinum trim levels you will find homely controls to up to three different garage doors found on the bottom portion of that rear view mirror so that's definitely convenient dual zoom climate control is going to come standard at all trim levels across the board and overall I think Nissan actually did a really good job with the interior quality believe it or not a lot of soft touch materials found on the doors specifically I do like kind of this aluminum look although that is plastic but it looks good on the doors and that continues up above the passenger side glovebox and all that so that looks pretty cool another thing I always gripe on on a lot of my reviews is surrounding the shifter and cup holders a lot of times manufacturers will leave that as like a matte gray or a matte black plastic Nissan didn't do that they continue that aluminum look finish and they put that around that area as well which I personally think looks absolutely amazing just to the right of the shifter you gotta find a little bit of storage you got your dual cup holders your heated seat buttons of course within the center armrest there is a very deep amount of storage in there a ton of storage quite honestly and overall the softness to elbow rest when I was actually driving found on top of that center storage there and also on the doors it was extremely comfortable so overall I think Nissan did a pretty darn good job with the interior quality of this thing but now let's go ahead and make our way to the tech and let me start with my very favorite part on the tech just about the infotainment screen you will find a cd player that comes standard on ultra levels across the board I always like to mention that with the morado because you really don't see that that often anymore but if you like CDs the morado is one of the few vehicles that still has it but eight inch colored touchscreen display does come standard bluetooth and audio streaming android auto apple car play factory navigation system is going to come on the sl and platinum trim levels we'll find some weather information up there there's your stock information but no crypto information unfortunately quite yet we'll also find some radio information up there and so when it comes to the sound systems there are two of them six speakers is going to come with the sv and the midnight edition and then you're going to find an 11 speaker Bose sound system for the sl and platinum so therefore that is the one that we have today so what do you guys say let's go ahead to turn on the radio see what we got playing this morning and let's test out the clarity of this one been a while since I listened to bangerang but yeah that was plenty of bass and I always say this with Nissan sound systems their bass is always absolutely incredible it doesn't matter if it's the Bose or not the the bass is still pretty darn good so plenty of bass with that one clarity is plenty fine as well and the thing with Bose sound systems is I had what I had a Bose sound system in my old infinity g35 coupe it never failed me I took that car for quite a while and uh yeah Bose is a very reputable company so you're not going to have any issues with that but anyways last thing I wanted to mention you guys on the infotainment screen is when you do put the morano in reverse you will find a rear view camera coming standard across the board but if you were to go with the sl or platinum trim levels yet again you will also get that panoramic view monitor found on the right there giving you that bird's eye view which is always is going to lead us into safety let me start with my favorite part IIHS top safety pick plus which pretty much says it all right there that is the very highest designation given by IIHS so you got to love that but front side side current airbags do come standard driver and passenger knee airbags as well in the back you're going to have latch a.k.a lower anchors tether to children for the rear car seats rear child door locks tire pressure monitoring system but also coming standard forward collision warning autonomous emergency braking with pedestrian detection intelligent lane intervention a blind spot warning system with rear cross traffic alert driver intention monitoring system and believe it or not front and rear parking sensors as well that is that is remarkable you almost never see that coming standard on SUVs out there even luxury SUVs actually so that's pretty darn cool then if you were to go with the sl or platinum you're also going to get traffic sign recognition then as well it's overall would cost my final thoughts here of the Marano I think the steering feel is great I absolutely love it it's a much heavier feel to the steering as you traditionally find in SUVs it's not anything crazy like a Tesla Model Y or something like that but it is a little bit heavier than I'm used to so I do like that excellent safety as well you can't beat an IIHS top safety pick plus excellent reliability according to consumer reports that's a pretty good factor in determining what vehicle you want next for a lot of people so go ahead and pick up a consumer reports magazine that's going to vouch for that for you nice interior quality as well as I said in the video I also like the CD player that's something you don't traditionally find on just about every other vehicle out there right now as far as room for approving goes digital gauges would be nice I knew Nissan can do it they do it on a lot of their other vehicles and rear window sunshades is almost a must at least as an option on SUVs out there these days because a lot of people they go to fast food and they'll they'll park in a parking lot and eat it with their kids in back and there's always one kid that has that sun blaring in his eyes or her eyes whatever and it's annoying and it would be nice to have rear window sunshades and also if you're driving home a newborn from the hospital again it's kind of one of those things you would like to have but anyways let me know what you guys think in the morano let me know if you're buying one now or if you're waiting for the redesign but that is about it for this one you guys thank you so much for watching feel free to follow me on social media at the bottom of the screen if you want to see what's coming next on the channel before it gets to youtube be sure to hit the subscribe and the bell notification button if you're in the new car reviews because that is what we do here on this channel after all do appreciate you guys watching more than you know and i will see you guys all in the next video stay gold


Going on everyone Sam here with late sports cards rip in 10 bucks Tuesday 10 bucks budget football mixer. I'm a 176 random team style There's a look again at your random results as always you can find those on the website under the results tab as well as a link in chat Tim at the s you're up top with the chiefs scroll down Alexander with the Seahawks and Stephen a with the cardinals on the bottom Can't fit them on one screen. So good luck here everybody. Let's get started Okay, we're gonna start with 23 leaf exotic any guy if there's somebody not in The NFL it'll be ran to all at the end There isn't then it'll go to the team at the run simple enough Personals will go after I'm not gonna get to everybody tonight. I really don't think I'm gonna. Oh nice.  Yeah, seven of seven. That's awesome Congrats Rams very nice. It's like one of the only products. He's in he's in this like elite and like certified. He's in black and black Yeah, I think that's it for products. He's in right now. Nice congrats on that. There you go Rams great start Wow This is a good box here K. Sean bouti one of six I don't know if you can see who it is.  No, no, not Jalen Carter. It's very cool though. How about ladanian Tomlinson? Okay, say eight of 13 for the Chargers congrats on that man. I didn't realize that's friendless. Yeah There's Montana him and I've seen like one or two others I can't remember who they are but very solid take that for sure and base you got the buccaneers omer You got the buccaneers. Whoops All right, Donna's optic retail next 22 optic retail So we get a downtown out of this. Why not? Why not? That's a daffy OA for the Ravens. The bucks aren't terrible. There's a couple of products. They're decent in Desmond Ritter rated rookie her cousins Jalen Petrie There you go Nick. Hell. Yeah, dude It's the name that popped in my head was LT. I only had to wait one box. There's boy. I'm off a That's a really good box of leaf dude that was a great box of leaf I was lighted up Jonathan Taylor JP I'm glad he's back. I'm glad they figured that out Kobe Bryant Rated rookie hollow pierre strong jr.  We got to just break I'll be taking it before you leave if you don't mind now Randy Moss blue stars He was a star. Yes, he was a purple star. Yep, Brian cooking. It's kind of blue with the Patriots and Titans I guess blue ish 100 Hassan Renek. Ooh, nice one there for the Eagles and then how about a Sam Hal blue stars ready rookie very nice commanders Congrats, I will share a pack Yeah, true Bailey zappy very true Drake London the rookies for the Falcons Hello, tomorrow Davis and trust an ebner their sauce gardener red hot rookies and Derek Stingley Rated rookie for the Texans All right, we'll do 23 score now 23 sco's I think those ships so I'm gonna scroll through the base on this Yeah, not bad Keegan. Let's take a little sauce action that a little sauce action Donovan people's Jones is not it is not It is a great dual stitch blue to you at 100 for the Broncos Johan Datsun Literally, I thought it wasn't gonna be points and there's literally points in there 250. Sorry everybody random to all There's all your rookies again. Everything will ship out of this Just four rookies aren't really super worth going through to be 100% honest with everybody. I Think most of you agree with that Terry McCloryn on the gold zone to 50 scary Terry Ah, no Johnson and base Leonard for net whoa scorecard for the Bucks Nice one there Tampa Jordan Addison rookie tandem key on the rookie auto grads there Rookie out of ten rookie. It's Donnie will always say QB to yep Unless I see him play really bad, and then I'm gonna be like, oh Take it back. I take it back say psych right now. I'm Josh Allen Deserter base base I can only I can only based I've seen a preseason. I look better than Marriota. So Scorecard And base scorecard of Jacobi Myers for the Raiders And Michael Vic nice one there on the auto for the Falcons. Oh cool. That's Atlanta I think that's going to Brandon nice one there. Mike Vic grads Brandon. That's really sweet. That's awesome You didn't pop it up a lot more recently in products, which I'm very okay with right that's pretty cool Robert Tanya for the Packers to 50 on the gold and Remandry Stevenson second-year auto for the Patriots Pats I know third-year auto That's so weird. We're pulling his rookie stuff. Now. It's already his third year. God Washed up Josh down scorecard rookie that is solid. Yeah, all literally the ultimate literally the most broken card in man in history What was Mike Vic in like 2007? No, it's for was it oh for only a card like for all matter No matter. Yeah, I get well that he's gonna have a really broken card Oh for was oh for was really good. Yeah. Oh for was the ridiculous like what is this? Yeah? Uh Rhonda Elmore on the blue to 100. Yeah, there's been a couple Madden's were like Because I remember my buddy was really one of my college roommates was really in the matter like ultimate team so I was like watch and play and There got to the point like really late in the season that like everybody had either Lamar or Vic one year Yeah, 19 or something and it was like well, this isn't funny. Yeah, that's usually what happens There's legacy kind of a good idea that the show the MLB the show did is they did made like seasonal cards So like season one like season one for instance would be like 50 days Yeah, you could only use the season one cards online for those 50 days and after that you couldn't use them online You know what I like after after Playing like ultimate team for as long as I have been one thing I do kind of wish they'd bring back to the contracts Yeah, I remember those I remember those I'd be okay with the fondigs to you at 299 Are there is there nothing like that anymore, I don't think so you can just use whatever you want for as long I do remember the contracts At first I didn't like it, but now like I understand why they put them in it Will Leviss nice one there for the Titans I'll never forget and like Madden. There's like one Madden ultimate team. I played like Madden like 15 era Like Madden 15 or something. I was like really into the ultimate team. Yeah, that's Austin Echler Nice one there. Yep run everybody deep and sneak away exactly Brandon and I'll never forget I Grinded because there is like you would if you it was like a season mode So you play like one teams like schedule. Yeah, that was she rice Yeah to 299 and if you won like 12 games you'd get like a card like a captain card Josh Allen So I remember just grinding the Falcon or the cardinals because it was the first one You got Larry Fitzgerald. Yeah And I remember grinding and getting so pissed at the game because I kept losing my team sucked And then I finally won the 12 games and I get the card and it said you can only use it for five games I never played again.  So mad. That's funny. Yeah, that's not so pissed points again 400 this time. So top team will get 400 second team will get 250 so two teams will walk away with points, which is kind of nice at least My god, dude, I was thinking about it now is getting me even more mad Again all over again Jerry Rice to 199 Generations of Moss and Adams Hey, have a good one Scott. Thank you, buddy. I'll see you tomorrow. I'm sure big day tomorrow Nt football release day. Bye Scott. We're she rice under lights, which speaking of let me drop you a link to fanatics live really quick with forest before I forget For us to be live at 10 a.m. Or 11 a.m. Tomorrow See 10 30 he'll be live at 10 30. Where's that bother found him Fanatics live with forest Nice one there. He's got At least five cases then see all with spots taken already first one at 19 to go That is Alvin Kamara to 125 and we are like way under market on most people as well We are rich even told us who's like we are Very very well priced That's why our spots have flown like the first break tomorrow for me and NT has like three to go That's Joe Montana 250 which thank you all again CJ Stroud for taking the spots tomorrow in NT. I really do appreciate that, but we made them pretty well priced for you all as well So definitely affordable Definitely competitive as well, which we're kind of always going after your Pearson and last pack That is a Marvin mince the 149 for the Broncos nice one there on the orange on Denver Darnell Washington bronze to at 100 and Base I all the super. Well, I guess most egg. No huddles still technically pretty base heavy, which we'll do next. Oh That I forget I forgot to do out the team all me do that first. Whoops Now Darnell Washington's on the shags, right? We're see on the cardinals aren't no Darnell is Steelers Yeah, I think I'll wash this deal. I think Parker Parker Washington's the Jags All right, we got Jalen Naylor and Josh Allen that's Antonio Gates hollow rated rookie of Devon Lloyd for the Jags We've got red stars Joe Mixon and Shreston Ebner rookie nice ones there Now we'll do mosaic. No huddle We got certified gold standard and two years of origins. We have last year's origins as well. I Have not opened a minute Outside of maybe the one or two Personals that will come in every now and then or I do a Sunday fun day All right, go through all the base a flowers blue 275 on the debut nice one Ravens Disco of Kenyon Drake smart Connor Peter Skaronski Face Josh Downs disco Henry Heller's Christian Gonzalez were she writes that would major night Never forget the day you were sorting and shipping here I think Jake pulled one. I'd yell it as loud as I possibly could to get your attention It sure it got my price young rookie. It did just this go tear your sleigh Devon Achan and Pigeon Spears Silver of Miles Garrett disco Joe burrow today and Jordan battle Probably have one of the carbon copies. We'll have to do a dice roll for that But cross that bridge when we got there disco Marte Mappu Patriots Tillman and Nolan Smith golf their car Nick chubb purple 250 for the Brown Silver Jalen Hyatt stuck to it is a Devontae Adams disco Korean Bennett BJ Ojalari. We actually had a sack or two Sunday for Arizona There's a auto of Chase Brown nice one there rookie auto for the bangles. Congrats, sincey. There you go Not too shabby there at all thank you there Matthew open of the Mariners tomorrow a couple of TC update breaks Michael Stray hand disco Justin Herbert Paris Johnson Darius Davis Jake Hainer disco Brian Branch Luke Musgrave Clark Phillips Jamari Connor blue to 75 for the chiefs Jalen Hertz met a mastery disco lost DJ Turner Dalton Kincaid disco Sean Alexander Tucker Kraft and Jake Moody rookie disco Dick Buccas Josh Downs rookie Chad Rylan's and last pack here, of course, there's a carbon copy in the last pack Thanks pink Lamar national pride to 20 nice one there Ravens All right, one two three left four five six right on the carbon copy Josh Jacobs and Mr. Derek Henry so good luck It's gonna be a four gonna go to the right with Derek Henry and the Titans Right with Derek Henry the John Robinson rookie and Lucas Van Ness Okay Now most of the base heavy stuff side away certified. I guess technically is still heavier Oh What's up 24 Jalen Hertz Deon branch 7 to 15 for the Patriots Congrats on that New England. I swung there just way Yeah, Debo Gold team that is a mark Andrews to 199 for the Ravens. I'll see you Jay. Let's see it See a big saint here. See a Hainer a Kendra Miller. That'd be cool Devante Adams that is a B John rookie Jersey to 349 nice one Falcons Brandon Falcons base base base Joe Thomas Tucker Kraft to 325 CJ Stroud nice one there for the Texans and Kendra Miller. Hey, there you go. There's a saint Congrats Jay nice one there buddy to 349 CPAP and 299 cave on tibetan We like start off the year so badly and then it's like second in the league in sacks now Yeah Position is defensive end. Oh George Kittle for some reason. I thought you played like Really? Yeah, I don't know why Marvel heavy the bills and a Roshan Johnson rookie Jersey auto for the Bears nice one there Congrats Bears Check out base and base shows you how worried I am about the journey. Yeah, I know I was carried to 149 Brian Bresi to 3 at 99. Yeah, Joe, but oh and Nick Bosa 50 on the turquoise And base all right 23 gold standard next 23 gold standard. Let's give the case hit box. That'd be cool. What's the case of box? You'll know because it'll be either be a B John or a Anthony Richardson on the back I don't Okay, I know you'll have the case hit in there to 99 Alec Pierce and 24 Garrett Williams. How's that a giveaway? Every single time I've opened one That's Adam Anthony Richardson or a B John RPA. There's been the case hit in there. They just run together. I guess I guess I gotta just trust him That's crazy as it is. Yeah, I know right came acres to 299 for the Rams gold gear rookie Jersey That's one there we've got for the Raiders to 399 Michael Meyer Grats Raiders newly minted Kenneth Walker to 99 For the chages nice one there. This one's pretty cool actually coming up You mean for Seattle? Oh, did I say the Chargers? I meant Seattle pick the Chargers back here. That's well I bet Antonio Gates 26 at 49 on the gold strike auto. Nice. That's cool. Congrats on that Chargers Grats on that and Rookie Jersey Auto for the Eagles 149 is Jalen Carter. Let's go Very nice one there as well. All right, 23 origins and I'll finish with 22 origins. I Guess through your name is Jalen. You're just good at football. True Evidently so What's your last name starts with me? We've got Luke Musgrave to 75 and a blue Rishi rice to 99 Yeah, these are these are nice grace. I agree with you, man. I'm a big fan Mack Jones and Sam Laporta rookie that Chargers hidden for sure That is a flowers three color patch to 99 for the Ravens. That's Ravens Got rookie auto tank Dell to 75 on the orange auto Grats on that Texan is very cool like the orange. Yeah, the orange ink looks good Yeah, those are cool and RPA to 75 Tanner McKee, let's go. That's on that again. Eagles. I'm jealous for the evil spot. I know They're very very well Carter Carter and the key on us. Yeah It's pretty solid both live too, which is good All right, 22 origins last box of the Last group breakbox of the day here. Yeah, the orange are nice man. I'm big on the orange Surprise, they didn't have Tanner sign an orange I know honestly That is learn for net to 299. I think it's probably because the sticker versus on card true and Zeke Elliott for the Cowboys to 199 we've got a George Kittle and at CD lamb Really cool one here for the Eagles again Brian Dawkins Let's go. Yeah, really cool one there Five of ten nice one there That's sick Got nice one here on card rookie auto to ten breeze Hall. Nice nine of ten breeze hall. Hell. Yeah Go to Jennifer M. Nice one there. That's sweet nine of ten on the breeze Gold ink and then going to the Patriots Taekwondo in rookie Jersey auto congrats in New England. Nice one there as well All right What's up? I'm gonna just for the hell of it. I want to make the breeze. Oh, yeah, sure Why not about ten? I mean, yeah, not as well 400 and 250 on the points gonna random these off to every team The top team will get 400 and the second team will get to 250 So gonna roll the dice We're gonna go six times one two, three, four, five and six We've got the Titans are gonna get 400 and Then the Jets are gonna get to 50 Jets came on strong at the end there. All right, congrats again to the Titans and Jets quick recap here everybody Let's know your jerseys Brian Dawkins the ten very cool on there Player one on that too. Ze flowers Michael Meyer a Kenneth Walker cam acres Kendra Miller and Bijan Robinson On who we've got a Take one Thornton Turner McKee tank Dell Tony O'Gates a Jalen Carter that is Roshan Johnson Dion branch gold of 15 Chase Brown Marvin Mims Remandre Stevenson Mike Vic Tanner McKee Lydani and Tomlinson case on boutique Puka Nakua And then breeze all gold nine of ten for the Jets on the audience That will do it for the break everybody. Thanks again for the Phil coming up next is personal


is what defines representative for the tertiary education union who will be doing the acknowledgement to country. We're over 65,000 years. It's really important to remember that between us as Aboriginal people and what you guys are going through, the same sort of things.  It's really important to remember that in the struggle we've had, the struggle we've reviewed as well, the 60s and 70s and the Palestinian community are a part of that too, supporting us. It's really important that we do support you just like you support us. Solidarity, we had like I said, had that connection and the Serenity communities as well, like the Bidjikul to ourselves, Wombul, Baramadagul, the West as well, Kemeregul, so it's really important to remember that and remember that culture.  So it's really important that we do know your land and know your elders, elders past, present and emerging and thank you very much. Continue to celebrate the Palestinian resistance. Just until now that the occupation, shame. When they're the victims and being massacred, we're also on the side of the Palestinian oppression, because we know only a struggle against the oppression against the Palestine action group as well. He's just returned from Palestine himself and he has family in Gaza right now. So that's exactly what we're here to protest for. Please welcome Alvin. To the elders past, present and emerging, this land was never seen. Resistance is justified when Palestine is occupied. Resistance is justified as long as Palestine is occupied. Resistance is justified as long as Palestinians continue to face massacres, pogroms, land confiscation in the West Bank, Genine, Nablus, Tolkerem, day in and day out. Resistance is justified as long as more than two millions of Palestinians in Gaza are forced to live in Jerusalem and the surrounding cities are being ethnically cleansed and forced to live under the boots of the Zionist, fascist occupation day in its 75 years. And this system of occupation continues to desecrate the Palestinian sacred sites. Al-Aqsa Mosque, shame. Palestinians have the right to resist this criminal system of occupation, this system of apartheid, this settler colonial regime that is called the state of Israel. I'm not here to cite clauses and provisions from the international law, legitimating this right. I'm not here to confront or debunk the bigoted argument that Hamas is committing terrorist acts of aggression against the state of Israel. I'm not here to explain that Israel is a colonial occupying power and the Palestinians, as the indigenous people, are fighting back and struggling for liberation from decades and decades of living under the boots of the occupation. I'm certainly not here to go on and on about condemning violence, peaceful resolution for the Palestinian question and what's going on on the ground right now. Because in their just liberation struggle, the Palestinian people have every single right to use any means possible, and I mean any means possible, to protect themselves and fight for their rights and frees happening now. What's happening today has been happening for the past 75 years, but the world has just woken up to such a reality because there's Israeli blood being spilled on Palestinian in Palestine now. Because this myth of the army that can never be conquered has been crushed by the Palestinian resistance. This war is not just on Gaza. This war is against Palestinians everywhere in historic Palestine, in Geneva, in Nablus, in Algeria, in Polkerem and everywhere in Jerusalem. It is a war that is enabled by the US, by all these Arab governments who are vying to normalize with the state of Israel. And it's enabled, yes, shame, it's enabled by the EU and its all member states, as well as this country, and support this genocidal apartheid regime. For too long, for too long, the world has a disrespect international law and perpetrate this savage and barbaric regime of apartheid against the Palestinians. And what happened last Saturday was the natural and inevitable outcome. So resistance is definitely justified as long as the Palestinian land is occupied and as long as this apartheid regime system is imposed on Palestinians everywhere. And a member of the Students for Justice in Palestine at Sydney University, please welcome Jasmine. I just want to make one more announcement. And that is that we know that this struggle for freedom in Palestine has been a long one, and it's going to continue to be a long struggle. That have shown, and give it hope, I think, to many people around the world that Israel can be defeated. To back up Israel, we know the US has sent another aircraft carrier to be close to their friend. What about civilian lives, haven't you heard, in the last few days? Yeah, right. So they're planning to send even more weapons to Israel. Realist countries, there's going to be a movement. There already is a mass movement in a bunch of the Arab countries and Muslim countries in the Middle East, rising up against Israel and also against their own regimes that back Israel. They're a prison not just because of Israel, but also because of the Egyptian regime that locks up and imprisons the Palestinians that are off a crossing as well. So that is that we are going to come back and protest again next weekend and all around the world. Please hear coming back. All right, our final spin. Let me go talk to us more. I might go a bit off the cuff. So please excuse me. The first thing I want to say is I've been Palestinian my whole life.  You are faced with the horrific atrocities that Israel delivers to our people. It's not a surprise. It is not new. This is our reality, all right? So when Gaza was being bombed, it was not something to me that came out through this before. It's not the first time this has happened. But this is the first time come together is because there is very little that I see in the conflict, in the war, in the aggression of the Zionist regime onto our people that moves me to tears. But this morning I cried. And the reason I cried was because I was so of support that so many people on a Monday quote with you had been barred to us that the decision was made to embark on violent forms of political struggle. We did so not because we desired such a course, but solely because the government had left us with no other choice. Who do you think said that? He said that. Do you think it was a Palestinian response from the South African government? Our Tide South Africa's history is occupied Palestine's reality. As a result, the decision by Palestinians to respond to the brutality of the settler Israeli apartheid regime is unsurprising. If you want to know what Palestine and who better to trust than the people who went through it first. If there's any South Africans in the house tonight, please make some noise. And thank you, South Africa. I'm feeling right now. We suffered 75 years of dispossession. We've been denied our rights to life and liberty, loosening occupation by a colonial regime that has perpetrated every kind of atrocity upon us. We have begged and we have pleaded for the world to intervene. We've organized protests. We've organized boycotts. We've given the world so much. We come here and we speak truth. Every single time bombs are dropping on Gaza, we speak truth. We speak truth to power. And we don't shy away from it. But what have we gained in return? Nothing. The world has done nothing to support us. Nonviolent protesters have been criminalized. Governments, including the government of this colonial entity that we call Australia, are tripping over themselves to outlaw boycott, divestment, and sanctions on Israel. Free speech of Palestinians ever before. You tell me when 2,000 civilians were killed in Gaza in 2014, did they light up like in criticize and they can condemn or get to silence us? They don't get to refuse to show any support and solidarity and then claim to have them more justified for as long as Palestine is occupied. It's a kind of unique arrogance on the part of these settlers to think that they can keep a population of 2 million people in Gaza captive indefinitely and expect no consequences for that. Out of her exploding.  They would set up chairs and picnics on the hills to watch the bombs dropping down on us. Disgusting and foreign activists who said, colonialism is violence in its most natural state and it will only be overcome with greater violence. So if you don't like it, if you don't like the violence, what are we going to do? Are we going to have a picnic of our own? Are we going to beg Israel to please be nice, to please stop bombing us? Like we've been calling for decades, if they're not going to listen to international law, if they're not going to listen to the pleading of Palestinians every time we come to these protests, then they cannot act surprised. In resistance or the ability of the resistors, it's because, until liberation, the big defeaters, because... Why have you come here today? Because oppressed people need to support oppressed people and Israel is a colonial, apartheid, genocidal state and it does not represent anything to do with being Jewish at all. It exploited my innocence when I was younger, I was a Zionist and I lived in Israel, I learned the language and then I learned and as soon as I started to learn, I went further and further and I realised the horror of this state, exploiting our trauma from the Holocaust, ruthlessly exploiting us to oppress another people. Deserved the same human and national rights as everybody else. It's the least. It's the least. So to stand up in support is the very least I can do, especially after having been made complicit in their criminality when I was too young to know. I joined in 2014, which was the first time I had a television after many years and I saw Israel's massacre in Gaza and I was glued for 51 days to this horror and that was when I fully and finally separated my Jewishness from this brutality, this occupying, fascist, supremacist brutality. So you're marching today with the... I march today with the Palestinians, just as I march with Aboriginals for justice in this colonial settlement and I will always support them. Thank you very much. Sorry, your name, please. My name is Michelle Birkon. Michelle Birkon. Thank you so much for talking to us. Nice to ask, isn't it?


Live from Cambridge, Massachusetts, it's The Cube at the MIT Chief Data Officer and Information Quality Symposium with hosts, Jeff Kelly and Paul Gillan. Welcome back everybody, this is The Cube and we are live at the MIT CDO IQ Symposium here in Cambridge, Massachusetts. I'm Jeff Kelly, I'm here with my co-host, Paul Gillan, and we're here covering all things data, talking about the rise of the evolution of the Chief Data Officer position. Data governance, of course, is a big topic of conversation as well, and you know included in governance, of course, is privacy considerations. Happy to be joined now by Jennifer Barrick-Glasko, who's the Chief Privacy Officer at Axiom. Welcome to The Cube. Thank you. Glad to be here. So, for our audience members who maybe aren't that familiar with Axiom, maybe can you tell the audience a little bit about the company and your role as Chief Privacy Officer. I don't think we've ever had a Chief Privacy Officer on The Cube, Paul. So this is a first in looking forward to this conversation. Yes, I will. Axiom is a company that's been involved in all kinds of big data applications for three or four decades now, and obviously it's an evolving field and resulted in new positions like the Chief Data Officer. But as a privacy officer, I worry about the things that we do with data, separate from security where you're actually trying to protect it from unauthorized use, I worry about if it's authorized, what do you do with it? So Axiom has been involved in big data for decades. We have two primary lines of business. One is hosting services where we manage the information for our clients, host it, and help them make good big data decisions. We offer analytical support and also consulting to help them understand what they can do with big data. We also have a line of information products, both business and consumer, where we augment the information that our clients have with additional data. And so we worry and the Privacy Office focuses on both how we can help our clients manage information in a responsible way, but also what are the practices that we are being engaged in and the laws that we have to follow where there are laws around our own data products. So I think that second line of business is probably the line of business that most people know Axiom by. So you're collecting data from various sources, could be transactions, credit card transactions, any kind of transactions, could be credit scores, things like that. What are the kinds of data that you collect and use to augment your customer's database? Good question and one that is often misunderstood because what we're looking for is not the details of your life, we're not law enforcement agency, we're not involved in national security issues. We're looking for what are the kinds of things that you like to do and therefore what are the kinds of things that products and services that you're interested in. The vast majority of our business revolves around marketing activities and so a marketer wants to know not just what a company customer has bought from them thus far, but also things about do you have children at home, do you like to travel, what are some of your hobbies, golfing, tennis and so on. So we don't get transaction information, which is a common misunderstanding. We get aggregate information or summary information that just indicates the kinds of things that you're involved in and to create a little bit of a demographic view into your household because often we're marketing to the household and not just to you. Right, so just you're really helping clients essentially better present either offers or marketing campaigns to their customers, so really better targeting so that they're getting offers and information that's going to really apply to their lives versus more of a blanket approach. Exactly and it's both to their current customers as well as to people that they would like to have become customers. Right, okay so let's talk a little bit about privacy in that situation. So you know we've heard some of the horror stories out there about organizations such as Target that have done things where maybe they shouldn't have, not necessarily illegal or not necessarily anything against the rules or regulations per se, but questionable in terms of you know whether there are ethical concerns or privacy concerns. So how do you approach that question? We talked a little bit beforehand about just because technology and data allows you to do something doesn't mean you necessarily should. How do you advise customers when they're thinking about some of these privacy and ethical concerns? Well as you accurately state the gap between what we can technically do and what we should do or what consumers would feel is appropriate or not be shocked or horrified by is growing. Technology is fast outpacing law or even industry best practice. Even though industry I think is beginning to be more aggressive at closing that gap, certainly law is falling way behind. So companies have to ask themselves what would the consumer think about? How would they react? Are there risks that I'm posing or creating by this certain use of data that impact the consumer? Not just impact me as a business who's using the data. We often refer to these as privacy impact assessments and they are actually a risk analysis that the company should be undertaking to understand these risks and then attempt to mitigate them. We have such powerful tools today and marketers presumably are a major customer of yours. Yes. We have such powerful tools today to cross-reference information and to market very specifically to a creepy level you might say. What kind of guidance do you give your customers on how far to go with individualizing their marketing? As we move down this path towards a world of big data that's pretty much ubiquitous, I think we're beginning to push the comfort limits of consumers in a lot of areas. And so we can talk closely with our customers and build into our own data products, kind of a classification system that says how sensitive is the data we're working with? Or how sensitive is the use we're putting it to? And the measurement needs to include both aspects. And if the data is particularly sensitive to something about my medical situation or something specifically related to my finances, then there need to be extra protections and precautions with not only how it's used but who uses it. And we've built these in and we advise clients to do the same kinds of things. But it's not just the data you sell. It can also be the data that's inferred. And Jeff's example of Target, the famous New York Times story last year about Target identifying a customer who was pregnant before her family knew, that was a case of looking at buying patterns and relating that to larger scale patterns that they have seen. Do you, is that something where you think we're pushing the line as well? I do. We are creating far more modeled data, as in the example you gave today than we ever had before in our analytical tools to very accurately predict very sensitive things are growing. So often the examples that are given are where we start out with non-sensitive information that we're not as, we're not thinking need as much protection. And we end up predicting something that could be very sensitive. And so when we cross that path, we have to now say, aha, I really created new data. And now I have to classify that data appropriately and put the right kind of protections around it. Do you worry about some sort of a privacy Chernobyl occurring? Some event that really galvanizes public opinion about personal data and creates perhaps government attempts at regulation clamped down on what marketers do. Do you foresee that as a possibility? Well, I think it's something we need to be sensitive to. I don't foresee it as a near term possibility. But companies, I mean, I don't foresee it as a near term possibility because in particular our federal government is not engaged in these kinds of issues right now. And so I think we've got a year or two of a window where I think companies are going to have to take on concerns themselves and deal with them. Because quite frankly, market pushback can be worse than government pushback. And so consumers are more aware about these kinds of things than they've ever been before. We are moving down a path of a greater society of transparency, where people know more about what goes on behind the scenes or what goes on in the background. And so they're questioning these kinds of activities, whether they end up in government regulation or not. So industry as a whole, many industry sectors, are looking to create guidelines in lieu of legislation that will give good advice to companies about what they should and shouldn't be doing. We have new emerging guidelines in the area of behavioral advertising where the sites you visit on the internet create a profile that you use, then to target advertising, pretty strict guidelines, I might say. We are migrating those guidelines to the mobile space because obviously the technology that I'm working with is different there in the way that I would inform the consumer that this activity is going on in the way they could exercise a choice to say, I feel like it's creepy and I don't want to participate, it would be different. So just from the perspective of the consumer, we hear about services like Facebook, Twitter and other services. So you may have heard the saying, if you're not, the consumer is really the product in a way because they're giving their data to these companies who are then using it to drive their businesses. Facebook's revenue is largely driven by ad revenue. From the consumer's perspective, is privacy in this day and age just not possible anymore? I mean, is that a horse out of the barn? I don't think it's out of the barn. I think it is, but there's a balance that we're looking for and we're trying to decide what is the right balance. I think consumers have a right to have a say in particularly, let's talk about marketing because I think the rules may be slightly different. If we're talking about, say, marketing versus fraud prevention, as a society, we've decided that the use of data to prevent fraud is a societal, valuable thing and so we don't give consumers choice any more than we give them a choice to opt out of that late payment on their credit report. But if we're talking about marketing, historically, we have said consumers should have some say, we have access to a lot of information and some people feel like it's creepy, others thoroughly enjoy the benefits. So we don't want to minimize the benefits to those that want to enjoy them, but we want to respect those that want to bow out, so to speak. But is that possible? That seems like a big challenge. I think technology is helping us make it more possible. I just mentioned some of the self-regulatory initiatives that are in place today. And one of the controversial areas is around the area of behavioral advertising, where a profile of what you've done on the internet creates a picture of who you are. And therefore, we deduce that you like football and you love to travel broad. Because you go to sites that indicate that. Consumer might like to say, I don't want you building that profile in me. And so in every ad that's been targeted with that kind of data, there's a little icon that you can click on and it explains this practice. And if you want it to stop, you click the opt out button and it stops. So I think technology, while it may create other opportunities to collect data, it also creates opportunities for us to manage preferences. Do you really say, I mean, it's in the industry's best interest to regulate itself so that somebody else doesn't come in and do it. I want to ask you about our proclivity for, you mentioned that we share, we're sharing more and more data.  I'm sure you've seen these changes happen. People seem to be growing more and more comfortable over time with sharing more and more information about themselves. And is this, do you see this trend continuing? Are we going to continue to just be more promiscuous, I guess, in what we let others know? I don't know. I think we've turned a corner on it more so than we're on a trajectory going up. I think we've gone from a world where we didn't know much about anybody else other than close family or friends or neighbors to a world where we know a fair amount about a lot of people. And I think to some degree, there's a, you know, we're getting a little bit comfortable with that new level of visibility and transparency. I'm looking at your LinkedIn profile right now. Yeah. Well, or Google, you know, Google anybody. Right. Most people should Google themselves if they haven't lately to see what's out there.  But I don't, I don't see this like just continuing to skyrocket. I think we've kind of reached a new plateau. And I think we're beginning to realize that consumers should have a right to some level of privacy and the question is how do we give it to them? And we also are recognizing that not everybody feels the same way about it. Some people don't people don't mind having a lot known about them and others want to be very private. And the challenge I think we've got and we will have to address it. We're taking steps to but I don't think we're quite there is how to recognize those differences and allow those different attitudes to be respected. You mentioned Google and I'm glad you did because it brings up the issue of what happened in the EU a couple of months ago with Google being forced essentially to take data out of its out of its search results under certain conditions. Is that a dangerous precedent? Do you see that? I don't see that as a precedent that we're going to see popping up all over the world. That particular court decision was based specifically on some European law without getting into all the legal ramifications of it. It's not a blanket or a blanket opportunity to just take any data out. It has to meet certain conditions. And so it's not inconsistent with longstanding European law in the US. For example, we have a First Amendment like that really kind of sets us on the other side of that debate. So in your opinion, what role, if any, does the government have in kind of regulating some of the use of consumer data? Should they have a role? I know Congress is taking a look at this issue to some degree. They haven't gotten into it too deeply. But there's the potential for that to happen down the road. Do you think the government should have should play a role in this question? Well, I think they have a role to play. And I think to some degree, they already are. While we don't have a big, broad privacy law like we see in a lot of other countries in Europe and in Asia, we do have a very long list of very specific laws where we have seen practices that we feel like or have stepped kind of out of bounds. And so we've passed laws. We regulate financial data. We regulate health data. We regulate telemarketing. We regulate email marketing. And so we regulate collection and use of data on children and online and mobile space. So what we've chosen in the US to do is pick off some specific areas where there either wasn't good guidance or industry was pushing the envelope a little too far. And we've passed those kinds of laws. I don't see us in the short term passing a big, broad law here in the US. But what we are seeing is the regulators, the Federal Trade Commission in particular, has very broad powers under its Title V enforcement opportunities that include regulating what is called unfair or deceptive trade practices. And this means if a company is misrepresenting itself, and this would include in its use of data, or is doing something that is unfair from a consumer perspective, then the FTC can actually step in today. They don't need a new law and exercise their powers. So we are seeing increased enforcement in this area amongst a wide variety of industries. And I think we will continue to see the FTC go after companies that they feel are being either unfair to the consumer or deceptive. Gartner made a lot of coverage last year for its prediction that CMOs would spend more on technology than CIOs by 2017. Whether or not that's true, I'm certain you're seeing some anxiety or maybe some excitement among your marketing customers about this trend. What kinds of skills do you think marketers need to develop in the big data and analytics area to prepare for what's coming? Well, I think they either need to develop these skills or they need to partner with their privacy and data management organizations. And many of them we're seeing actually are partnering. And that is they need to have some sensitivity to how the consumer is going to react to the marketing opportunity that's in front of them. In other words, is the consumer going to be surprised? Is the consumer going to... Or some consumers, maybe even all or most consumers, going to be offended? I think we have sensitivities. Social sensitivities in a wide variety of areas, whether it's ethnicity or other kinds of considerations that people need to think about. So I think it's a little bit of a mindset change more so than it is necessarily a skill set change. So really, you're talking about soft skills though. You're talking about sensitivity. Yeah, we are talking about soft skills. And so the data that is available to us, we can do, today we can do things with it that we really, as a society, would probably say are inappropriate. So the question becomes, what is appropriate? And this is where I think company needs to ask that question themselves. But I think industries need to also ask that question because we have different data in the medical industry than we do in the financial industry. We have different data in the travel and entertainment industry. And they need to ask themselves, what are the sensitivities in my sector and what is either a best practice or a code of conduct that might help me stay out of the headlines? I have to ask you this, as an expert in data privacy, what are your own standards? What are your own practices with your online profiles that you practice? Well, sometimes people find this to be surprising, but I rarely opt out of anything. I like getting all kinds of things. I'm fairly open to sharing data. Now, I made questions certain data fields. I mean, if I'm signing up to purchase something from a catalog side and they want my social security number, I might pause and go, well, they don't really need that. But for the most part, I transact online. I transact on my mobile phone. I'm what we might call a privacy liberal. I guess you have to put faith in your customer's ability to handle that data responsibly. I do, I do. And what would you advise consumers out there when they're making similar decisions about their use of online services? Well, I think it's online services are maybe not a lot different from offline services. If the offer is too good to be true, it may be something that you need to watch out for. An example I just gave of be reasonable. I mean, people will ask for information, but if the information they're asking for seems kind of out of bounds for the engagement that you have with the company, that's probably a red flag. And I think we also need to be conscious of scams, whether they're online or offline. So that's an area where you might do a little research in terms of what the current scams are. FTC and other consumer protection agencies, state AGs, as well as a better business bureau can provide help there. And we only have time for one more question. So I'm curious, so Chief Privacy Officer, they mentioned we haven't had too many on. Deque, what's your background? How does one become a Chief Privacy Officer? And do you think most organizations need one or is this specific to the type of business that you're in? No, it's certainly not specific to our business. It is now a pretty well-established profession. About 12 years ago, a group called the International Association of Privacy Professionals was created. And when we first had our meeting, there was about 50 of us. And today there's 15,000 of us worldwide. I think most companies are realizing that having somebody that's looking out for these issues within the company, trying to educate the lines of business, including the marketing department on what, both what the laws are, as well as consensitivity to these issues is really important. I stumbled into it back, back in those days there weren't very many of us. And so I stumbled into it, I have a degree in technology and we were getting involved in data, our data products. And so I was asked to try to figure out how to use data responsibly and it's turned into a career of over 20 years. Well, fantastic. Well, you know, this is gonna continue to be a big issue I'm sure in this market. So Jennifer Beriglasco, thank you so much for coming on. I'm sure we'll have you on again, Ms. As I said, because this is an issue that's important to a lot of our audience, a lot of consumers out there, as well as the technology providers and others. So thanks again for coming on. Thanks for watching. We'll be right back after this short break.


Today, we are talking about general features of presenting the financial statement. Now, among the general features, we got fair presentation and compliance. Compliance means that we are preparing these statements following all the available international accounting standards, which means that the financial statement presents fairly or give a true and fair view. Now, this word gives true and fair view. It does not mean that everything is correct 100 percent. No, it's very, very difficult to say. Even the auditors say that the true and fair view, but I think still there is some room somewhere that when we do some adjustments, when we do some provisions or assumptions, we have something left out there. So, anyhow, but we are trying hard that we should give a true and fair view about the financial position, financial performance and cash flow of an entity. So, this is also very important that fair presentation should be there. Let people feel that the things are correct. Materiality – an item is deemed material if it's omission or misstatement. Completely, you left it out or you misstated, wrongly stated, would influence the economic decision of user taken based on the financial statement. Then if an item is entirely omitted or misstated, and if the decision maker knows about it, his decision will be different. Any item which affects the decision of the decision maker is a material item. Now, how to, let's say, find out whether the item is material or not? There is a test. For example, if that item affects at least 5 percent, then the item is material. For example, among, let's say, I'm giving you small figures, but it means the same. 20,000 sales, normally you have taken out. But do you mist out, let's say, 2,000 sales? Instead of 22, you report only 20,000, so you mist out 2,000, which is 10 percent of the sales. It's a material item. But as I said, the threshold is 5 percent. Similarly, sometimes we take it into consideration the profit percentage, that if it affects on your profit by 5 percent, item can be a material item. So the material item should not be understated or misstated or omitted from the accounts. Now, materiality is based on the items, nature, size and the surrounding circumstances. Now, in some time, this word materiality is not taken into account. For example, if we are, let's say, looking into our bank accounts, if there is a difference in your bank statement balance and the balance as per your cash book, we cannot ignore it. Although the difference is small, but still we cannot ignore it. We need to reconcile it before we report the bank balance or cash in hand or cash at bank in the balance sheet. So this is important. The sometime materiality cannot be compromised at all, not a percentage. Then going concern, the financial statement should be prepared on the going concerns basis, that the company is not having any intention to close its business in their future. Entirely or maybe a major part of your business, you are not going to concern. In fact, there are 20 factors which can determine that your business is going to be and not a going to concern. For example, you are not paying salaries to your staff. You are not paying to your creditors. What will happen? You are not paying to your creditors. It means they will stop the supplies then you are no more going to concern because it is not that simple that if you are not paying one player, you can go to the next supplier, no way. The other supplier will ask you from where you were buying previously. So obviously, he will tell you the whole story, so the new supplier will not also supply. So you have a problem. In fact, there are 20, 20 factors which contributes to that. For example, you are making losses, losses, losses, how long you can continue with these losses? So going concern means that you have to continue in business and that is the important thing. We prepare these accounts, keeping in mind that we are going to continue. We are buying, selling on credit because we know we are paying to the creditors and we are receiving from the receivable or debtors. So enterprise will not close its operation unless the management either intend to liquidate the enterprise or to seize trading. There is no intention to close business for a foreseeable future on the assumption of available information. At least the next 12 months you are continuing. Then we have this aggregation. Each material item, material class of similar items should be presented separately. In the financial statement, material items, they are dissimilar. Nature should be separately disclosed. Let me give you an example here. For example, you got a photocopying machine. You are incurring cost on that machine. So we just put together all those expenses of one item, printing item, printing expense. So it is not that each and every item should be disclosed separately. You put together because they are similar. Similar items should be put together, aggregation. But if it is a big amount then it should be bought separately. But if you are small, small amounts you can put together in one item. Thank you very much.