We're here at Wicked 2012 in Dubai in the United Arab Emirates, and I'm very pleased to be joined by Mr. Muhammad Ibrahim, who is Senior Advisor for the Ministry of Information, Post and Telecommunications for Somalia. Mr. Ibrahim, thank you very much indeed for being with us today. You're welcome. I'd like to start off by asking you, what have your impressions been of Wicked 2012 so far? So far, so good. I think there was a lot of hype before we arrived here, and we're all wondering how will this pan out. But it seems reason has prevailed, and so far it seems things are stabilizing, and I'm happy with the outcome so far. What are the major concerns for you here? I guess we came here with some, I guess we were a bit worried about some of the news we were getting from the media, and this whole idea about the ITU taking over the internet and so on. But it seems that's not the case anymore, and I guess people are realistically looking at the current situation. In our case, we're a little bit different. Somalia for the last two years, we didn't have any functioning proper government. So now we have a permanent government. We're looking at this very closely, because we are just developing our laws, and we want to see how does the whole internet world work, who runs it, how does it work, how does it govern and so on. There's been a lot of talk of transparency. What's been your impression of this? I think the ITU is very transparent. I'm not trying to be diplomatic about this, but we've been engaging the ITU for the last three years. We've been away for 20 years, as I said, and we're happy with what we're seeing. We also work with many other UN agencies. But so far, the ITU and the UBU are the only two that we really feel comfortable and we can understand how they work and how they function. What are the most important elements that you hope will be refreshed in this treaty for Somalia? I think it will be very useful if there are some clear signals for all. So we really understand where we all stand. The area that we're more interested in is how is the internet governed in general? And I think that's what we're hoping. I want to go home and sit with my government ministers and say, this was the outcome, and I can explain in clear language what was the new treaty and how it was developed. I was in Melbourne as it happened in 1988, but by then I didn't know anything about the ITU and what was going on. So I'm happy also when I go back to Melbourne and remember and I say, look, 20 plus years ago, the treaty that was signed has been revised and updated and hopefully with some clear inputs. So that's really my hope. They were calling the conference in Melbourne in 1988, the spirit of Melbourne. Here they're calling it the spirit of the Emirates. I just wanted to find out what your impressions are of the spirit here at the conference. I think there's a lot of collaboration. I get the feeling, of course, the last few days, things are getting a little bit exciting. But so far it seems people are talking and to me, as long as we're talking and we're negotiating and we're discussing, I'm happy. I don't like to see things going to a vote. I like the history of the ITU, the idea of consensus. And I think the same will happen. I'm very optimistic. And are you optimistic for the final results then of the conference? I am. I'm cautiously optimistic. I guess this morning there are a few emails that are floating, but I think at the end of the day, reasonable of avail. And how will this treaty affect telecommunications in Somalia? In our case, we're a little bit different. We're actually revising our own internal telecommunication laws.  So we want to take advantage of this new treaty and instead of going back to the 1988, use this new treaty and say, look, we can now move forward with the current thinking what's happening out there. So we're really looking this forward. Is there a message that you would like to put forward here or that you would like to offer to our uniquely influential audience? Yes. I'm thinking for that. I just got back from a audition, by the way. Yesterday I went back for three days to advise the minister. And we are back. We were away from the ITU, away from many UN agencies. Now we're back. Somalia is back. So the message is, first of all, to all the members, now we're ready to do business again. But also to the private sector. Somalia is booming. The commercial industry is one of the fastest growing industries, in fact, in Africa. So the time is right. And I'd like to talk as many people as possible here and pass the message to everyone. And through you also, thank you very much. I would like to let the world know that Somalia is back. Mr. Ibrahim, it's been a pleasure having you here. Thank you very much indeed for your participation today. You're welcome. Thank you.


Ukrainian tankers to start training on Challenger-2 tanks in the UK. Ukrainian troops will shortly start their training on the Challenger-2 tanks in Britain. Vadim Pristayko, the Ukrainian ambassador to the UK, said in the Radio Savoboda broadcast, the crews are about to start the training in Britain. The heavy artillery systems crews are already training. Tankers will arrive soon as well, he said. Pristayko states that training will not take long since, as British instructors say, Ukrainian troops are highly motivated and learn very quickly. Pristayko states, it takes five weeks to train infantry here. We have trained 10,000 and have started to train 20,000 more since the beginning of the new year. It is hard to estimate how many tankers we will need to train. Moreover, there are also artilleryists, mechanics, commanders, Pristayko said. I think a month, a month and a half will be enough. If needed, training will be prolonged, as it was earlier, he added. Pristayko also stressed that the tanks are already being prepared to be sent to Ukraine. The tanks we are supposed to be supplied with are already being prepared to be sent to Ukraine, the ambassador revealed. On January the 14th, the British authorities officially confirmed that Ukraine will be supplied with Challenger-2 tanks. The UK Defence Secretary confirmed the supply of 14 tanks. The report states that UK defence and security officials believe that a window has opened in which Russia is retreating due to supply problems and plummeting morale. The UK Prime Minister is therefore urging allies to deploy the support planned for 2023 as soon as possible to achieve maximum effect. Sending Challenger-2 tanks to Ukraine is the start of a gear change in the UK support. A squadron of 14 tanks will go into the country in the coming weeks. Around 30 AS-90 SPHs, which are large, self-propelled guns operated by five gunners, are expected to follow.


With action and suspense out of the old west comes the most famous hero of them all hop along Cassidy starring William Boyd The ring of the silver spurs heros the most amazing man ever to ride the prairies of the early west hop along Cassidy The same hoppy you cheer in motion pictures and the same California. You've laughed at a million times Raw courage and quick shooting of built a legend around this famous hero Hop along is a name to be feared Respected and admired for this great cowboy rides the trails of adventure and excitement William Boyd as hop along Cassidy and and declined as California Well hoppy, what about our story? We call this one the devil's brown In our part of the west a man can get into the strangest Complications just by taking a shortcut through the hills instead of going the long way around Like the time California and I were on our way into the little cow town of saguaro not far from the Mexican border Hoppy are you plumb certain this new tracks gonna get us to saguaro sure unless they move the town since I was here last That's the drumming mountain on our right We should be there another half hour. I don't know if I can hold out that long all I had for breakfast was a view of the sunrise California, I told you not to move down all your grub last night Wait a minute That's funny. What is no weather beating cabin back there among the trees Nobody's living in there for years, but there's smoke coming out of the chimney. There is. Are you sure it's hard to find? Maybe we'll get you something to fill that empty spot after all. Let's go. I don't see anyone But I smell something cooking. I hope it's a nice juicy to win steered steak Oh, that's strange Anybody here food on the table. It's still warm food. What is it hoppy a steak?  Well in a case of e-emergency I eat California that food doesn't belong to you Oh, no hoppy just one little taste won't hurt nobody and now I wouldn't do that Wow Somebody spilled a whole box of pepper in that stuff That's one time you got exactly what you deserve Bushwhacker must have been a rain for me Who I'm afraid we don't know what you're talking about. No, and what are you doing out here 10 miles off of the main road? Well, we just Don't you try to die dry dealing me mister I'll give you exactly 10 seconds to talk or the West is going to be shy to carpokes one two three Along Cassidy and our story the devil's drum while taking a shortcut through the hills hoppy in California ran across a Mysteriously empty cabin with a hot meal still on the table Next an armed stranger appeared in the doorway and is threatening to shoot if they don't give him some information Which they don't possess Seven eight if you stop playing with that trigger will tell you all we know yeah anything. All right. Let's have it I'm hop along Cassidy, and this is my sidekick California Carlson. We're on our way in this aware of in the bar 20 We cut across this way to save a little time Mm-hmm. We came in here to see if we could buy some grub the door was a jar with there's no one around Yeah, how about that food on the table? It's a mystery to watch Well, I guess if you knew anything you wouldn't have let me catch you with your guns holstered Who's that coming up a trail? Nobody we know you can see him through the window. Hmm. Oh Oh, it's a sheriff and chappy doon here take back your guns. Thanks That's a relief. I never did admire the view down the inside of a gun barrel too dark and digital Howdy sheriff Who are these men Grinnell couple of strangers on the way to town this year's Cassidy and that's Carlson What brings you out here sheriff? I'm looking for whole same arena. Isn't this his cabin? I'd been using it to bunk in I Checked run them back sheriff. Nobody there. All right chappy now anybody seen marina not me What do you want them for a little gunplay down at the so where a hotel where Jose works? Man got killed. That's all shot in the back another Mexican named cauldron. Was that the Lewis Colburn? Yeah, how did you know Cassidy? Well, if I've heard right. He is one of the meanest gunslingers in Mexico Yeah, have you heard so much? Maybe you heard where Jose marina is? I'm afraid I can't help you there. How about you Carlson church? I don't know nothing Didn't somebody see marina shoot cauldron? No, but he made a little mistake He let call her and live long enough to write a note telling who did it mind letting me see the note I guess not if you handle it careful This is the evidence that's going to hang a man Jose que trapaja in el Posado Yeah, that means Jose who works in the hotel is the guilty one You know Spanish. No, I looked it up in the dictionary. Hey sheriff. This stove is still hot. That's all who's been doing the cookin Cassidy and Carlson was hungry. They stopped in for a meal. I see She if you don't mind Sheriff California, I'll be on our way. All right go ahead Happy you and me will wait here for marina. He'll be back He don't know yet that we got him in our sights. Sure be like shooting a tin can off of a pole here Grinnell, why don't you stick around with us and see what we do the fancy gun told us from over the board? All right here. Come on California Copy here. Why did Grinnell lie to the sheriff about me and you cook and then be I'm not sure But Grinnell must know something the sheriff doesn't I think he wanted to give Jose time to get away Did you notice something strange about that death note? No or what? Jose K. Trapaja in El Posado. It should have been in La Posado Use the masculine article with a feminine now. Oh, that's bad. Oh, when you get the masculine mixed up with the family Yeah, in this case, it's unbelievable Uh-huh. No Mexican would write a thing like that even if he was dying California that note is a forgery. Yeah Hey, huh? What in the dog bones are we turning off here? We're gonna circle around behind the cabin and try to pick up the trail of this Jose fella There are a lot of questions. I'd like to ask him I will have to leave the horses here. He went right up drumming Mountain. See where the pebble sit down Yeah, sure do Hmm It's a funny name for a mountain hobby. Yeah, what do they call it that for you see that rock formation up on the second Ridge. No, not they look up higher. Oh, yeah, that big ground rock on the crest They call it the devil's drum. It ain't shaped like a drum all with the way It's balanced up there. They say that when the wind is just right that rock tips back and forth on its Foundations and makes a drumming noise.  I ain't brave enough Down California looks like we found our man. He ain't very friendly like that was a rifle shot We're still out of revolver range stick something up and draws fire and I'll try to spot his location. All right, happy He's up in that patch of jackpines right under the devil's drum I'll work up behind him through this dry wash while you keep him busy by moving around to the right All right, but be real careful unless your insurance is made out to me Drop that rifle son, and you won't get hurt All right, California. Come on up. Let's take a look at you Well, what are you? Who are you?   Well, I guess we might as well be going. We made a mistake. Uh, ain't you gonna find out who she is? What difference does it make for this time? Jose Marino is probably in the hands of the sheriff for killing lewis cauldron.  What will they do to him? No speak English, huh? Oh, please send your did Did Jose really kill senator cauldron the sheriff thinks so he said it was Jose who shot cauldron in the back But Jose would not shoot in the back cauldron was our enemy But Jose is a verde there of a caro. Oh, he is not a Push walker. That's what I thought and I believe we can help you prove he's innocent Senor Cassidy Cassidy. I have promised Jose. I would talk to no one but I think I trust you good You're Jose's wife. See I'm Linda marina I wear this clothes to hide from senior cauldron who want to take me back to Mexico and claim the reward Oh, you mean you're a fugitive from justice, ma'am. No, but my father is a big man in our country and Jose is only a poor Vacchiero when I have run away with Jose my father offered 12,000 pesos reward to bring me back. Well, I'll be barbecued was cauldron as follow us across the border He was one who would sell his own grandmother for 12,000 pesos a lot of men would that's 5,000 American dollars, California Hey hoppy look down there somebody in the trail heading for the cabin Oh, see this was a quick. Let us go down to meet him.  He's not a rifle rain. He's riding right into a trap and there's not one thing we can do to save him Carried What is it? It's the devil's drum Jose stops. He's looking up quickly in the wave to him That's right. Wave him back from the cabin. Oh back to hop along Cassidy and our story the devil's drum Hop along California and Linda Morena watched helplessly While in the valley below Linda's young husband rode into the sheriff's ambush to be shot down for a murder He didn't commit now the three are on their way down the mountain side Rifle must be heavy for you senorah. Can't I carry it? No? Oh, we may meet my husband's murder Oh, no ma'am. You don't want to go making things any worse Listen somebody found our horses. Can you see who it is? Yeah, it's the unreal galoot that held us up in the cabin Linda, where you going don't try to stop me if Jose is dead. Do you think I care who else died? No, Linda don't Charlie. Did you see what they did to Jose?  Well, show me for a plug a tobacco Is this fella really your uncle ma'am? No, he's not my real uncle But I have known him since I was a child he used to visit my father and make that's right sure did Linda was a pretty little machachi you ever saw he was uncle Charlie who suggests I stay in the cabin Well, I would not be seen I figured it warrants safe form at my ranch cause anybody had come looking for the reward might have Heard we was old friends and start coyote around. I hate to break up this reunion But Jose is still facing a murder charge. Yeah, sure is a shame He had to plug that no good cauldron and get in all this trouble Uncle Charlie, he did not do it. No, I think I can prove that death note wasn't written by cauldron or any other Mexican The killer must have gotten the words out of an English Spanish dictionary, but he didn't quite know how to use them I see For now, how about you taking care of Linda while California and I write in to share us off and get a few things straightened out Sure, we'll write out to my ranch child. I guess you'll be safe enough in that get up Least ways if nobody sees you Uncle Charlie, I will see you later. I hope we'll have some good news. Come on, California Kind of funny about Jose being out of the who's cow already. Ain't it hoppy? Uh-huh How should he talk the sheriff fair into taking them out to inspect some evidence must have done some fancy talking That sheriff some mule headed man. Well, maybe we'll find out now. Here's the sheriff's office That ain't the sheriff with his boots on the sheriff's desk and he's nose in the sheriff's bottle No, it's chappy doing the deputy. Hello, Dune. Where's the sheriff? I'm in charge from the sheriff's away What can I do for you Cassidy have a little spot? No, thanks? I do my drinking out of a spring Dune, do you know anything about the Spanish language only what I read in my dictionary? Well, if you did, you know that Caldron's note was forged by an American. Oh, yeah Now why didn't the sheriff think to investigate that note some more that was downright neglectful of him perhaps But now that we you know something There are plenty of voters in this county don't think our sheriff is the smartest man they could find for the job Well, I wouldn't know about that, but mr. Dune There's something else you and the sheriff should know Jose has a wife hiding out near town Her father offered a 12,000 peso reward for her return to his ranch.  So he put Caldron out of the way And tried to saddle Jose with the murder so he'd be sitting in jail while the killer took his wife back to Mexico Now it's up to you and the sheriff to find out who fits into that picture It's got to be someone who knew about the reward When you find him you will have your killer now listen Cassidy What call you got to come nosing in out of nowhere and tell the sheriff's office what our duty is and what it ain't Chappy somebody in this town shot one man in the back and tried to get another man hung for it Whether you like it or not that's anybody's business Cassidy, I Wouldn't want to have you for an enemy I'd tell you can unholster a gun like scared lightning whoever told you that wasn't pre-barricading son I think I'm coming over to your side. Just what do you mean? Well, I've been covering up for this sheriff. I was scared to say anything. He's a fast-drawn man Besides that kind of like my job. You better talk now and fast Well, it was the sheriff that plug called run and wrote that fake note so as he could arrest Jose Marina He must have heard about the reward like you say the sheriff then what bird did he let hosie out of the jail? Well, so he'd have an excuse to drop him for for trying to escape or the dirty side wonder If that's the way things are we'd better get going California better move fast You want to save that young lady from a trip back to Mexico? Uncle Charlie's ran. Yeah, and I hope we get there in time Wouldn't that scorch if the sheriff was already in his way to Mexico with that poor little gal? I'm still not sure what to expect. I don't trust chappy doing any more than I would a rattlesnake I think he told it's a battle cool alive Didn't double deal in the man he works with every way he can think out and like that'll double deal anybody and what fur We starting out in this maverick chain. We don't dare take a chance just this once chappy doon may be telling the truth Hey, hoppy, what's that team and wagon doing out in front of Grinnell's ranch house? I don't know. I don't see any sign of the sheriff better draw your gun, California Grinnell we're coming in nobody. Oh, we'll see Some library books the old Billy collected.  There's no wounds somebody must have gun buttered him What you doing checking to see if his gun was fired? It wasn't He's coming to hoppy. Uh-huh Who hit me was it to the sheriff? Carlson and Cassidy, huh? I remember now help me up. We got to stop Now where's Linda? They grabbed her and then they knocked me out with a gun, but hurry They're taking her back for the reward Then they're gone they they got clean away who did who's there the the sheriff and chappy doon chappy doon why he couldn't Well, we ain't got time to argue hoppy for the love of all and doggies get on your horse They might be halfway to Mexico but now I don't think we'll have to look that far Uh-huh take a look under that wagon cover.  Come on way up. Why uncle Charlie, California You're looking at a man who'd sell his own grandmother for five thousand dollars. Hmm. You're pretty cool Cassidy Why don't you go for your gun? You're so fast on the draw Did you know about yeah, I should have known much sooner Remember when I told chappy look for a man who knew about the reward. That started me thinking the only people besides us who knew about it up to then were Jose and Linda and Uncle Charlie Grinnell know why didn't I think of that, but it was your library that convinced me Grinnell Yeah dust on every book a quarter of an inch thick all except one an English Spanish dictionary the one you use when you forwarded that death note from Caldron.  I sure hold it Carlson I want her the way she is for the trip.  I took your cartridges out while you were playing possum on the floor Grinnell I was afraid to somebody might get hurt. Oh good old hoppy. I thought for a minute They're right start thinking all over again. This one's got plenty of cartridges in it You didn't look for his shoulder holster. Did you Cassidy?  I'm just starting to breathe again. I was all set for the six-foot under that was a little close for comfort Hoppy, how did you know? Jose would show up when he did well assuming the chat he wasn't telling the truth which he wasn't We knew the sheriff took Jose out of the jail to look at some evidence Which can only have been that message in Spanish I knew that once Jose took a look at it. He could prove to the sheriff that it was a forgery Once the sheriff turned him loose where else would he go but looking for his wife Speaking of chappy doing there why Internation did he fill his full of that flapping cackle about the sheriff chap is an ambitious man, California Not knowing my habits very well He expected me to go out on the prod for the sheriff and I guess he thought I could outdrawn out shoot him Hmm. You could after that chap is going to be the new sheriff of Sawara County Ambition is all right in its way, but it can get out of hand and cause a lot of confusion Listen the devil's drum.  Let's get out of here Getting conceited old pal worrying about you old fellow Well, let's go then and so Linda and her caballero live happily ever after thanks to hoppy in, California When we meet again hoppy spins the yarn about how he becomes a little too involved in politics Western style that is in a thrilling adventure titled hoppy Alexa sheriff So be sure to listen to the next episode of hop along Cassidy Hop along Cassidy starring William Boyd is transcribed and produced in the West by Walter white jr The devil's drum was written by Alan Raider All stories are based upon the characters created by Clarence E. Mulford. This is a Commodore production


coming into Mount Holyoke I was so shy and just every, everything kind of made me a little nervous and I felt like I didn't belong I remember the first week I really struggled because I just, I felt like everyone else here was so much just better than me and belonged here and I didn't. And I remember slowly as I met other students and I talked with professors gaining that confidence and realizing that I am capable I am I do belong here. And it's just it's been an incredible experience overall. And now looking back to see that growth. It's hard to realize it when you're when you're in the middle of it but after some time you can really see how much you've grown as a person and I really do think it's because of the environment I found here.


All this month, get up to $50 off any Android smartphone from Appalachian Wireless, any Android you desire. All $50 off with two-year agreement, better service, bigger savings. That's today's Appalachian Wireless at East Kentucky Network Company. There are many opposing opinions over the reasonable bond issue. There is one thing all parties can agree on. The cost of housing a county inmate is a burden carried by the taxpayer. We've estimated last year that it's about $29 a day per inmate. That's for a county inmate. We generally keep our average population about 150, and we keep usually about 50 state inmates, so therefore we've got 100 county inmates. $29 a day doesn't sound like much, but it does add up, especially when you take the inmate medical cost into consideration. These people that come in here are not in the best of health in the world. A lot of these people have been on drugs, they've not been taking their blood pressure medicine, they've not been taking their blood thinners, they've not been taking their seizure medicine. When they come in here and get detoxed off, that's when the problems start and that's when we have to start. A lot of people don't realize once you're incarcerated, your health insurance is null and void. You have zero health insurance. You can just imagine one trip to the emergency room or one trip to the hospital period is how expensive that runs. Of course, the taxpayers in the county is responsible to pick that tab up. Halbert went on to say that the county judges and attorneys always help him reduce his inmate population when needed by reducing bonds. Reporting from Prestonsburg, I'm Shawn Allen for EKB News.


Hello and welcome to my studio. I'm Sandy Almok and I'm an artist. I work in a lot of different mediums and I make projects from small and mailable things to large and frameables and everything in between. Today I'll be working on watercolor because it is World Watercolor Month. Every July we celebrate the medium and every July I get to be an ambassador and that is exciting which means I'm gonna be painting a lot. You don't have to do anything special to participate in World Watercolor Month except for watercolor and it can be traditional watercolors or watercolor markers or gouache or brush show or whatever it is that you would like to paint with that day and there's prompts but you don't have to use them. You can use them if you're stumped for ideas on what to paint that day and then go post your work on social media and use World Watercolor Month as the hashtag. That is it. You don't have to sign up for anything but you can get on Doodle Wash's email list if you would like to get more information and I'll also put that link down below. I'm gonna be making good on two promises today in this video. One, I have already showed you, I got my hairs cut. Yes, my hair's cut, not my hair. I got all of them cut, every single one of them. I was looking like a moppet and it's really short now. My little lady who does my hair likes to make it shorter than I want it to be but that's okay because it'll grow. I also wanted to make good on the promise that I made that I would show you my painting that I turned in for the swag for World Watercolor Month. This is the mug that they have this year, new mugs. They used to only have these zipper pouches but now they have the mugs too and this is the big zipper pouch and you can get one of these in this size or smaller size or the mug and you can use the mug for your paint water or you can use it for your coffee or whatever you would like to use it for and the proceeds go to charity. So we help kids so that kids can make art and that's a good thing. So I'm gonna put a link to the store in the doobly-doo. I'm gonna link you to my page but you can scroll around and see what other artists have offered up and see if there's a design that you prefer. So now I wanna show you the painting that I created of this Rocky Beach. Let's get started. The photo reference I chose is one that I simplified significantly for my painting because I really wanted to capture that reflection on the water and the intensity of the rocks but not as much all the fine detail, all the little tiny pebbles and things. So you'll see me simplify a number of areas. One of which is the sky. The sky, I just put some blue at the top and bottom and then added some spray of water and used a baby wipe to lift off a bit of color as well so that I'd have more of these very soft clouds opening up and letting the light come through. I wanted a little bit of the intensity in the photo so I added just a bit of a phthalo so I'd have a punch of color and then joined the cloud section with the water so it would just blend in softly and while that's wet, add it in the sand, that distant sand because I wanted that to be a soft edge as well. I'm gonna add more to define it later on and left some water at the bottom so I could just bring that very softly downward on the painting. Then I moved to the bottom section while that was still wet in the center to add in some transparent red oxide mix and add some more of the sand so I could start building back up the color as I made my way toward the further distant sections of sand but leaving the open areas for the puddle because I wanted that puddle to really be strong in there and carefully added in some of the blue so that it didn't bleed too far. I knew I was gonna add some darks around the edges to clean that up but I made sure the top edge had water on it and even used a baby wipe again to soften it so that I'd get that additional soft glow going up toward the sky. Now once it's all dry, I started working with the flat brush to put a line of color like in the photograph, the distant water is just really distant and it's very, very thin. Everything else was just bringing down the sand and so this needed to be thin. I could have done it potentially using dry brush but that seemed like it was gonna be really hard to do in that thin of an area. So just using the tip of the flat brush, I could tap that color in and create something that looks like the crashing waves and that sort of thing and remember that's blue under there. It's gonna feel like it's got some white foam in it just because of the contrast between that and the water itself. So then I started bringing down wetter pigment and sort of fading that out as it gets down toward the sand which now I have to start working in the next line of sand because there is some dark sand out there in the distance. That's another of the things that attracted me to choosing this photograph to paint from is the fact that you have this really clear distance. It's one of those scenes where you really feel like it's a long walk to get out to the water and I wanted to capture that feeling, that feeling of the space itself. As I started working toward the sides of where the sand meets down with the water, I had to start creating crisper edges and that's what's going to make it look like it's a puddle of water, like the trail of the sea that had come into the land but then there will be some spots that will be softer and it's a matter of just playing around with them. It was partially here where I tuned out being obsessive about looking at the photograph too much because there's so much detail in it and that's one of the things that I made a great mistake with when I was a new painter and I still feel like I'm green. I'm not sure I can even say that I'm no longer a new painter. I've only been painting since 20, I think it was 2017, I wanna say. So I just don't feel very experienced but anyway, when I first began, if I had chosen this photograph, I would have tried painting every single rock in exactly the place it was. I would have sketched them all out, I would have put in all of the little textures in all the rocky areas and here I felt like I've come so far because I was able to just say to myself it's not necessary to do every single little thing that is pictured in that photograph because I'm trying to capture the overall essence of the place, that sense of distance, that sense of light cascading down and reflecting and that freed me up. I could use this nice flat brush to start making rocks and not really worrying about am I making this rock exactly as it's shown in the photo because I'm not trying to replicate that. Somebody already got a great photo of it, I'm never going to get it as good as that photo but I can get my painting to represent what it is that I loved about that photo and focus on that part of it and just make my own rocks. I'm putting them in general in the kinds of areas, the kinds of size relationships that I saw in the photo and I'll still glance at it while I'm working but I wasn't really trying hard to make it look like you would recognize every rock when you went to the beach. Oh, that was the second one from the left that she painted because I just wanted it to have that feeling. I'm using lighter, thinner paint as I'm doing this portion and if you're new, this is one of the things that I also kind of realized over time is that it's real easy to get intimidated when you're putting a really dark color down next to a really light color and it's a little safer in my mind, at least it helps me mentally to process what I'm doing when I start painting in a lighter color and then I can just slowly add my darks to it. I can start to build up that color and decide how dark do I really want these rocks to be and not lock into it in that first stroke because when you're jumping into a painting and all of a sudden you have a really high contrast between two objects, it can actually just scare you as an artist like, oh my gosh, now I don't know what, did I do that right? Did I do too much? And you'll either make the error of continuing on and trying too hard to start pushing all of the rocks to be that dark color or you'll get timid and you'll get afraid and everything will dry before you start being able to work into it. And here I was keeping the rocks nice and wet while I was working on them and adding extra shadows to them and stuff and you saw me lifting color as well. So if you're still working while it's wet and you're not freaked out because oh my gosh, I've added too much color, then if you get to the point where you wanna dry your brush off and just lift color out of it to create a highlight, you can do that. And I used to just get frozen when I was painting. I would look at what I had done and think I've totally messed this up and then I would sit there and stare at it, trying to figure out how I was gonna fix it instead of proceeding while the paint was wet. And all of these rocks are still in some phase of dampness. So I can still go back into any one of them. I had a bit of an oops with the camera. It stopped filming and didn't tell me so we missed a couple of brush strokes there but not a big deal. I'm using colors for the reflections that are the same colors in the rest of the painting. Not gonna add something new at this stage and that is one of the other things that I've learned since I first began with watercolor. I used to try to use an individual color for everything. And I found that my paintings were very disjointed because all of a sudden you'd end up with a different color in an area that had not been seen elsewhere. And I didn't know why it just was jarring to me but I've come up with much more calm types of paintings since I started limiting my color palette and choosing those first colors as ones that I can mix later. So as I'm getting these grays into the rocks it's actually using the blues that were in the sky to add to the browns in various quantities. So when you're mixing any kind of a neutral color if you mix red, yellow and blue in different kinds of red, yellow and blues and different kinds of quantities you'll get varying amounts of browns or grays. So I could add a bunch of blue to the brown mixes and end up with a color that's a gray or even a blackish color without using any black in the painting because those colors when they're mixed really thickly will turn into a black color. But you can see how adding those blue grays on top of these brown rocks starts to really develop them into rocks that look realistic as opposed to brown blobs which is where the first wash across the rocks had been. And this just allows me to work slowly into them with a smaller brush and get some texture, build in some of the curves of the rocks and the gaps underneath and that sort of thing so that I can individually handle each rocks that don't look like they're all clones of each other. And again, you can use the photograph as kind of an idea if even if you're making up your own rocks like I am I would occasionally if I got stumped with okay, I wanna make a unique shape here what could that be? I would look at one of the rocks in the photograph and say, oh look, that one has a slope to the left or it has a ding in it on that right side and I could use that on this other rock that I'm creating. So it was a way of adapting the elements that are in the photograph to this thing that I had put together on my own with my own shapes of the rocks but still carry the flavor of the scene itself the place and the kind of rocks that ended up on this particular beach but the more of the grayish colors and especially the deeper pigments the thicker type of colors, you know that's pains blue gray mostly doing a lot of that work in there because it's got a lot of bluishness in it along with a bit of cobalt blue and then those browns just makes these really nice perfect rock colors which can change and vary depending on how much water is in the puddle. So my puddles end up being giant messes from one section of the well of the pallet to another so that I can have all these colors that relate in the rocks and mimic each other without everything turning into the same color because I want them to feel like they're all different but as I started working into the rocks and feeling a little happier with them I needed to start adding some shadows to them since I want the light to be clearly coming from that far distance and that meant I needed to switch to a larger brush in order to put more of that dark color now that foreground section on the right is all little itty bitty tiny rocks didn't really want to get all that detail in there I wanted a little something and did some splattering in order to create just a small amount of interest and when it splatters on the rest of the painting just grab a baby wipe or paper towel and dab it off baby wipe tends to do that a little better because it lifts it with a little bit of dampness and as long as the colors are not staining colors it's pretty easy to wipe that back off as I always like me a little bit of splatter it just creates a nice random texture somewhere on the painting which typically makes me pretty happy so there I'm using the baby wipe to add some highlights back into some rocks that just felt like they had gotten really dark when you're talking about watercolor you can lift color back off if I wanted to, I felt like I was kind of polishing rocks adding on some highlights by just removing a slight bit of color and then I can go back in with the brush into any of them and add more texture if my finger took out too much and if I overdid it you can just paint right into that area again especially since it's damp you'll get nice soft edges so this little sloped hillside on the other portion of the puddle is gonna be darker because it's got the shadow side facing the viewer and just added some more dark color in there just start to balance that out at this point I was just looking at the overall painting are there areas that needed to have more depth and richness and then I realized yes because I had all section of rocks that I just had sort of left down so started working on painting some more rocks in the distance and the great thing was I already knew how to do that because I'd already had these rocks working in the foreground really well they just need to get smaller and smaller as they get further away because the more contrast you can have between those sizes the easier it's gonna be to start creating that depth across the entire set of rocks so I dried those up a little bit so I could add in a small amount of detail in them to create some shadows under them and then it was just fussing with small details to the end of the painting to try to finish it off and not overwork it like I am just so good at overworking things and keeping on going until like I just can't even see straight anymore it's just yeah that is still my struggle in watercolor hopefully at some point in my painting career I will get over that, let's hope so right? But small brushes will get into the small details and I avoid getting too much into those like small brushes when I'm doing background things when I'm doing this ground because it's really easy to get over detailed in some of those and I didn't want the little tiny rocks and the textures in the sand to start taking over all of the rest of the detail that was in the rocks themselves one of them to take stage. For the final detail I got out my needle brush this is the one that is just absent in all of the stores I wish it was more available for people but I love, love, love this brush haven't found a good replacement for it yet but maybe that will happen who knows but the calligraphy down here is just gonna give an interesting different look to that section than the rest of the painting speaking of which there is the rest of the painting and if you would like to try painting this yourself I'll put a link in the doobly-do to the photograph at Paint My Photo it's a free membership to go be able to use their photos for your paintings. Thank you so much for hanging out with me if you have not yet subscribed please do so and if you haven't got your swag yet for World Watercolor Month head over to the store and pick yourself up some goodies that are for charity and I will see you again very soon in the meantime go out there and create something every day hopefully in watercolor.


Yo, yo, yo, yo What's good everybody? What's going down? What's going down? Hopefully everybody can hear me. I had to hop on here quick bro I had to hop on here quick cuz I gotta address somebody in the chat.  I had I had to hop on here very quickly man earlier didn't expect it so I'm gonna pin this guy's comment just for a little bit so y'all can see what I'm about to go in y'all see at the top My boy raw young in underscore 95. Oh Buddy we we starting off before the show even start. We starting off good Shout out to everyone that's in here right now. So he says if y'all see it's pinned at the chat bro So Roman was gonna be there.  Okay. Okay. Okay. That's that's interesting. That's a Very interesting take first in the foremost They advertised Roman was gonna be on the show So obviously I'm gonna want to check out what's going on there Oh and the fact that he's supposed to be having a segment with Logan Paul Interested to see how that plays out. So of course if I would not check that out Oh, also, it is they go home show for extreme rules So I'm wanting to see what they're gonna do there and potentially. Oh, how could I forget? It's the season premiere of Smackdown. So Hmm, I don't I don't get it Why would I not want to check out the show that has the championships the main championships? Someone tell me make it make sense. Why would I not check out that show? Hmm I'm confused. Oh and Gunther and Sheamus is supposed to be having a match tonight for the Intercontinental Championship Why why would not take why wouldn't why would not check that out again? And once again potential go-home show for extreme rules So my boy raw young in 95 man If that makes me a D rider because I'm checking out the show that has all these other things that's happening on the show and for the simple fact that you know It's a season premiere then I don't know what to tell you I Don't know what to tell you that That's the dumbest That's in y'all be surprised how many times I see someone below Oh, you're checking off smack no home because Roman's gonna be on the show Well, if he's on the show then that makes it even more of a reason to see what's gonna happen Since he has both the titles, but I just had to put that out there a raw young in suck a dick Anyhoo, and I'm gonna sing you to the gulags. All right, there we go now. There we go. I have to make my point He's out of here There we go. All right I'm looking forward to seeing what happens tonight on the show man should be a good one looking forward to it I hate it had to be done like that But you know I'm saying he was being a he was being a nice hole so I had to point out his His uh, his nonsensical statement and sent that man to the gulags But I'm looking forward to seeing what happens on the season premiere for Smackdown Hopefully they change up some things in a great way. I do believe the announce team is different on Smackdown as well I think is Michael Cole and Way Barrett on commentary so yeah, man He was sent to the gulags before you even deployed facts, man So I want to see what they got lined up for us for a Smackdown tonight, man. I'm looking forward to Extreme rules tomorrow, man If you're in here already man appreciate all 400 of you guys in here right now go ahead and hit that like button for me, man All right, what's up Ross love the videos you think would retain of course. He's not losing it would be crazy if he did But he's retaining he's retaining title You should check out the new vice show tales from the territory Oh, no, I gotta fix it up. Oh boy Are we in this thing? People who made the dark side of the ring made it and it's produced by the rock. Oh, okay. I'm at to check it out Triple H is in the ring Very interested to see what's about to happen here. I'm gonna turn on my TV Want to see what they're about to talk about appreciate everyone in here. Go ahead hit that like button got 600 of y'all in here Appreciate the two is this episode Smackdown the DX celebration. Oh, that's Monday That's this Monday. It's the premier Smackdown. So Interested to see what's gonna happen here Ross you saw the new announcement team yet. I did appreciate the 10. Oh, there's a QR code. Where was it? Oh, I see it Wow That is such a That's so crazy. They have the they have the QR code on the microphone, bro That's why oh, bro That is bruh That is crazy They have the QR code on the microphone Let me know what the QR code says man I'm gonna let y'all do the detective work.  He's just he's just he's just great, bro He's like the only one that's like super hyped and I just appreciate can we just appreciate Sammy's greatness, bro It's it showed the pig That's what the QR code showed Bray Wyatt Bray Wyatt. What what's what's the question mark? The code says let me in over and over and over it.    I can't believe we're really about to have a WWE Championship match between Roman and Logan Paul No If Logan wins nah, bro No, no, bro.  There's no way I see There's no way I see this happening. This is obviously This is obviously for you know, you know the Saudi show there They're none cannon shows for the most part So we know why they're doing that because that's what they wanted over there.   No No, no, no, no, no, no, no, no, no All right. See what Roman has to say Let's see. What kicks Roman's got Roman got on the look like the black force That just came out they look like for is I could be wrong or maybe that forces. I'm not sure Why is man give me the microphone? It is okay Those are the black force the black cats Those are the four I can just tell by the shape of the shoe.  Don't disrespect, bro. Don't disrespect. Don't disrespect The thing is about Logan, bro It's like it's one of those things where it's like People are booing him even though he's supposed to be the face in this situation He's not getting any type of love from the crowd, bro. People just want to naturally boo him. So Yeah, we're gonna have to get Sammy some better kicks, bro He got the grass cutter fobs on I'm gonna need him to We got hook him up with some better kicks if you're in the bloodline, you got to be you know I'm saying outside of solo cuz he don't wear where shoes like that. But yeah, you're gonna have to get some better kicks Yeah, that theme is kind of generic too But he's get it. This is This is wild You're the kid you're the cheers. He's supposed to be the face Listen to this why Yeah, Jay is pacing back and forth like he he ready for the smoke Oh, that's this weekend, right? Yeah, that's no it's not this weekend. It's the week before they have their match I forgot. Oh He may not even know who that is. I mean, he's being honest. Oh Yeah, he's really he's really cooking him.  He Eviscerated him. What I see what you got Logan, bro. Oh Here come the what chance to what?  I'm Jay Wow Sammy, let's fix this Sammy. Come on, Sammy. You hear the cheers.  There's a Sammy chat Bro, Sammy's so good, bro.    He Logan got to work on like he got to work on his his Presentation promo wise is gonna take some time as not something you can just you know Sam Like do easily in front of thousands of people live.   Oh Bruh, it's gonna be good. It's gonna be good And I ain't gonna hold you I would not have a problem if Sammy was one of the people to potentially Start taking them down one by one Bruh, I ain't gonna hold you. Hell. I know a lot of people have been starting to say this But shit, I wouldn't have a problem if Sammy somehow overcame the odds Like that shit would be so great man. That should be so great. Let's check out some of these donations David Arcade and Ryback are the goats right right right Zalina Vegas coming back a new look tonight Are you sure about that? I want to see Logan versus bad bunny after Logan said about him What did Logan say about him? Let me know. I sent you a DML with what happened when I scan the QR code it on Triple H's Mike. Oh, well people were telling me it was basically I guess you can say break why it's like let me in or what not not you know saying break away But yeah, yeah, man. That was that was crazy, man We got thirteen hundred of y'all in here. Go ahead and hit that like button, bro We had 286 keep hitting that like button better heel Seth or MJF MJF Seth is great. Seth is fantastic MJF is he's on a whole nother stratosphere, bro. It's not even close. It's not even close He's on no, well, it's not I would say it's not close, but Seth is I'm MJF is just on a whole nother MJF is different, bro.  He's going to be a heel.  He'll that people cheer for Look what happened Hulk Hogan when he went when he decided to join when they created NWO He was he was a he was a piece of crap. He was a piece of trash heel, but people started loving them more We first time he'll people hated him. So Yeah, Ricochet about to get sent to the gulags Ross, I have a homecoming dance tomorrow. You got any advice? Or Do you have a date? That's that's the first thing I gotta ask them here. Do you have a date? For the dance. That's fast. That's the first thing like are you going with someone or you mean someone there? That's what I need to know man if you got a date or not Ross, do you think Sammy should go back to his NXT ways when the bloodline turned on him? What you mean NXT ways? Main event new champion. Oh damn a Shout out to Ricochet with the ones on them ones look clean as hell Bro, look at them once he got on Yeah way bears Part of the Smackdown commentary crew. Oh Oh, I like it, bro. He's the he's the muscle for the bloodline, which I can appreciate Yeah, booker T's on NXT. I know y'all just was telling me letting me know. Oh, yeah, booker T's on NXT break up I know he's gonna have some great moments on commentary My man is literally wrestling out there and some Jordan ones bro creases and everything Those look like the shattered shattered backboards.  Whoa, bro This nigga is wrestling in the shattered backboards.  Oh the creases Creases. Oh my god. I mean, yeah, he got bread. So it's probably nothing to him But I just I couldn't wrestle in those type of shoes, right? Nah Yeah, those are like $2,000 shoes right the most is expensive What's over here marking out and not even commentating on the match, I mean, that's what we got commentators for I'm not about I want to commentate on it. I'm I'm commentating on these expensive shoes. Oh He pulled out the chair Yeah, he definitely definitely has to oomaga mentality rest in peace to oomaga man You can you just see it. That's just his mannerisms his aggressiveness It's oomaga reincarnate. He probably got too bad. Most likely.  Cuz oomaga is Rikishi's brother, right Correct me if I'm wrong oomaga is Rikishi's brother, right? Or When a cousins Okay, so yeah, oh, yeah, so oomaga was his uncle. Okay Yeah, yeah, yeah, well, you can see it, bro Yeah, you can see just his movements his aggressiveness like I fucks with it.  I got a pair of samples. I'm scared of creasing them What samples you got? For those who don't know samples, they're actually shoes that didn't get released to the public They just know made samples of them and sometimes you can find them at Mikey outlets or what not especially in Oregon They're real. They're actually real. They just was never actually sold to the public So sometimes they'll or mash produced. So sometimes they'll end up selling them at like Nike Nike outlets and stuff like that So, yeah, but yeah samples If anybody has some samples then it you know saying that those are pretty rare to come by It's not sample sketches Do any of your jays squeak when you walk in them No, your shoes should not be squeaking if you walk in them unless they're older or whatnot So, yeah, make sure y'all go ahead and hit that like button for me. I really appreciate it. We're at 351 likes right now Go ahead and hit that like button for me. I really would appreciate it. Thank you to everyone that's here right now So Ross little gentlemen man with man wins the next part Hopefully maybe next week. We'll try to do some part parting on twitch So be on a lookout for that. We're just trying to get stuff situated man bunny called Logan out in his music video For abusing PR tax breaks that that natives can't use and Logan called him a hypocrite for doing the same thing Bunnies at least a native to the country. Oh Okay, okay, maybe they end up setting up a match. I can see them CWW doing that I Have Jordan 10 squeak I've never actually owner. Have I owned a pair of 10s? I've never owned a pair of 10 So I can't really tell you if that's true or not, but any pair of Jordans I have they've never really squeaked except when I've had them for like a long time If I've had them for like a long time or whatever they was sweet I got a sample pair of yellow or orcs and I bet he wanted to take him out the box.  So you need the letter needs to stretch and breathe because if you don't They'll end up cracking when you put them on if you save them for years They'll end up cracking and then your shoes are just pretty much done. They'll turn into crumbs Talk next with Jordan pool Ross. He caught the beats from yeah, I saw the video. Hey, man They would just have to Suspended me because I definitely would have fought I would have gave we would have been running the fade, bro We just would have ran the fade Would have ran the fade, bro Not bad match so far. Not bad opening match Yo Ross, what's the other celebrities you think could actually go in the ring? I'm not really sure to be a oh I don't really know to to be honest with you. I can't really even give you a like a I guess the mission on that cuz I wouldn't have ever thought that bunny can go So I never would have thought Logan could actually go in the ring. So Ross, do you wear Adidas? No, not really Crowds into the match.  That's it. What's the real shoe on? Oh, I Got it. I got a check.  Oh, yeah, call me a hothead one more time, but you are But dealing with this a whole lot All right, man JD. I'm gonna have to put you in time out cuz you one of those it's crazy, bro It's crazy. Everybody that's in this chat.  We're not doing that, bro.  Don't be that guy Don't I'll put them in time out man. He keeps on doing the stuff. I'm banning them I don't have time for it man. We're we're here to have a good time. We're not here to oh What show is better?    I'm sorry I'm sorry. I don't want to have to do it. He's just It's crazy, bro. That's the world we live in JD from NY. What are you talking about? That's an L JD What are you talking about? Wait, what are y'all talking about man? Send them to the L lags NFL better. Oh, here we go Man Dan Ross getting tough You can tough on y'all man. It's not even getting tough. It's just I'm trying to keep the chat is toxic Well, I'm trying to keep it as you know toxic free as much as I possibly can Chevy is better than Ford. Okay. Here we go Now, this is this is what we doing now Let's do you end up watch Super Mario Bros. Move chair. No, we didn't check it out JD from New York is unbiased chill y'all Yeah, for the most part JD doesn't seem biased He kind of calls it down the middle for both companies since I've known them some people think he's a shield for AEW Some people think he's a shield for WWE It's just it's your opinion man But at the end of the day if someone doesn't like a product or like something they're entitled to it They don't make them a shield for another company None of us are getting paid by these companies.    Make sure y'all go ahead hit that like button for me. I would really appreciate it. Go ahead hit that like button for your boy, man We have 419 likes a thousand of y'all in here appreciate everyone that's in here man Go ahead hit that like button for me Ross get Michael Myers and Jason for he for he's where you come up If you pause the QR code video around 13 sections mark You can see the pig and that's on the firefight fun house. Love your videos and stream Ross. Thank you so much Y'all are really digging deep into these QR codes and finding every little thing. That's awesome All right shows back on McDonald's is better than Burger King Burger King's okay, but McDonald's state They kind of still have it almost at a hundred K my boy. Yeah, man. Almost there gonna keep keep grinding to get there Most likely I will hit it before the years up. So that's the goal. I'm chill Disrespect This Not the step daddy you the daddy that stepped up. I am done.  I just feel like they dropped the ball They could have did something with him and Roman really build up some some type of a few Maybe maybe he could have been the one to dethrone Roman that would have been pretty cool.  Oh damn. I wasn't paying attention Beating the brakes out of you. God damn. I just looked down in my phone. Oh That's the lean of Vega. I'm with it, bro. I'm all for it More more more people in the tag team division. They're beating the brakes out of them, bro. Oh They beat them down in suits money. I mean lucha beat down People know who they are Nice nice nice nice nice addition to right smack down. I'm all for it, bro. This is good. This is good This is good. I'm with it. I'm with it, bro. Oh X Is that like an extreme rules X? I mean X marks the spot. Oh Oh Shit, let's go Tomorrow is going down.   It's gonna be a good time, bro. It's gonna be a good time.   They go. Oh my god, bro.  Yes, we extreme we're streaming extreme rules, man What type of question is that bro? We're definitely gonna check that out. It's gonna be a great time I can't wait to just we're gonna just have a good time, bro I'm gonna have a good time 35 30 Raptors over the rocket second quarter. Thanks for giving me the game update Extreme Ross they should actually bring king of the ring and make it mean something I'll be all I'm all for them bringing back king of the ring. Yeah, I know triple this is gonna take care I know he's gonna treat that with some type of care. So I'm all for the king of the ring coming back I'm all for that Imagine bloodline in war games against legato and perium and a brawl and brutes. I mean that'd be cool But it just gotta make sense wrestling gives TNA video. Check it out TNA to a five 2005 2008 I'm beyond switch you I have like over 30 plus videos. I'm probably not gonna check it out No disrespect. It's just there's so many videos for my personal page. I have to check out I have literally I literally have a list of videos that I save and I add new videos Like almost every day and I'm gonna be honest with you, bro. It's over. It's probably good. It's over 30 minutes That I gotta check out That I've had in my list. I just knocked out. I knock out the list one by one as much as I possibly can bro So I'm not even hold you but I probably won't get to it because there's just so many videos You know saying if I can I can but I can't make any promises It's just a lot and There's a lot of videos that come out like there's videos on here. That's came out like two weeks ago I still gotta check out. I'm just trying to get to them. So And then y'all know this weekend is I'm dedicated to extreme rules So best believe my thoughts and opinions video will be dropping on a Saturday night after the stream. So yeah, oh they brought a tank back.  Oh, she had it last week. Oh, okay. Okay. I didn't watch Smackdown last week. So I Don't yeah, I don't yeah, I didn't watch Smackdown last week. So Okay, well, that's cool.  It's about to get a little Little interesting in the chat. I can tell you that now Someone says that back though that back though. That's that's what you focus on the back Wow The white rabbit is Brock Lesnar. Oh my god, they're the disappointment double half I'm I think Aliyah is actually injured. I think she's injured. I need Raquel to dominate me I'm gonna ask y'all personal question because we we go through this every week anytime women wrestlers on the show How many be honest don't lie chat. I know some of y'all go live How many of y'all are? Virgins how many of y'all had sex before how many of y'all are virgins, bro? Just just be honest. I just I just need to I need to know Who out here has gotten some and who has it and I'm not judging you I just need to know these These these the answer to this just how many of y'all have had sex before how many of y'all Someone said I'm single it don't matter if you want to be in a relationship to have sex I'm a virgin. Okay. That's nothing if you are there's nothing wrong with that. No judgment here.  I'm not a virgin. I'm a virgin Okay, I'm a virgin y'all down bad. Don't disrespect.  I'm a virgin and there's nothing wrong with that. I am being dead serious This is coming from somebody. I didn't lose my virginity until I was In college I was I want to say I was 18 in college. That's when I lost my virginity So there's nothing wrong with you still being a virgin I was just asking the question because you know the chap be getting real moist pause When when the women come out there And the match is over So, yeah, man Swipe that card at 15. I'm and it happens 27 is still a virgin. Are you are you being for real? No, judge me there.  I lost my virginity at 19. Okay? Not a virgin. Okay. I got it a long time ago Lost my is at 11.  Okay, 27 is a great. Yeah, it's a it's a high age, but sometimes it happens Same 15 was fun. Still 16 Lost mine at 14. No shame lost mine at 13 Lost mine at 15. Okay. So a lot of y'all lost it in high school No, I'm losses at 25 to shut up. Oh They're gonna have a I don't know if this match will be as good as the one at Clash of the Castle. I doubt it. It's just that atmosphere was different, but this match will be good though Looking forward to it. I Just don't see them topping what they did at Clash of the Castle.  We have 542 man. Let's keep running it up Mommy live can take mine. So boy. Here we go This crowd's been good for sure. It hasn't been bad Lost mine at 11. Are you sure about that? Good crowd tonight banger after banger I'm a virgin. Hey, there's nothing wrong with that, bro. Yep. Mom is at a hundred K man I only asked like I said because some of these Y'all comments when these ladies come out there is definitely telling.  We will be going to see that later on her really good things about it So I can't wait to see it don't spoil it if you have I just haven't had the time to go but I'm going to see it after After Smackdown goes off already got the ticket so I'm in there now. So I can't wait to see it though Lady friend. Yes, lady friend, bro. Lady friend. Yes Yes Chill out, bro. See see chill out, bro chill out She actually Someone said Ross gonna be smiling. No, bro Ross is a munch.   No, no, no No, I'll be chilling y'all. You know I'm saying I'll be chilling. Yes, the lady friend.  No, I did not back. Whoa. Whoa. Whoa, bro What is going back shots all night? What are y'all talking about? Lady friend. Yes, what's good Chris, bro? Yes, lady friend.  It's always a good bag, bro Especially if you know she kind of you know, she rocks with you or whatever or she may be into you You can't go wrong with that. You know what I'm saying? Just once again here. I go lady friend. She's really a lady Oh my gosh, I should just say I was going to the movies by myself y'all sharing popcorn.  So you know The vibes they're there, you know saying just you know how she how we converse with each other and stuff like that So I think she's you know into me just a little bit, you know saying nothing too crazy You know, but I think that's kind of where it is I'm still trying to fill out the field not trying to make too many crazy moves yet Just trying to fill it out. That's it That's where I'm at right now. Just you know seeing seeing where things You know where things could go And do time vibes Ross gonna lose again for sure. Definitely lose my B card for sure Be safe out here Ross leave wallet in your car. Wait, what? Be safe out here Ross and leave the wallet in the car and see what she does I'm not she cool people man.  She tried to pay for the for her portion of the meal Even when I told her I got it. She still ended up sending me money to my cash up for her portion of the meal Which she didn't have to do so, you know, just things like that. I'd be like, hmm I definitely do pay attention to Going extreme going to extreme rules to see live lose the title want her still to be the champ because they simp Now that I was you know, she's real cool. Even at times we went out to you know I like a hook and lounge or whatever, you know, she she'll try to offer to give me a drink or what not so Hi, she see no, she's she's very generous.   I can't buy into live now. She's all extreme. I just can't I Can't just can't No disrespect to live, but she's gonna retain. It's gonna be some shenanigans.  However, she wants One week of being extreme got it facts What's extreme is setting up a table Putting chairs on said table Putting someone on that table with the chairs Getting a ladder Jumping from the top of the ladder and while you're at the top of the ladder You have a chair wrapped in bad barbed wire and then you jump onto sad person That's laying on chair on chairs and a table and you you you jump onto them That's extreme. I didn't even put the flaming part into it. If you don't even add fire I just the pain that's extreme Ross.   Oh, no Oh, you knew you knew it was gonna happen. I damn it. Oh They're gonna have a good match. I hope they have a great match God damn it true.  Oh Shit No, he bout to strangle this nigga, bro. Oh, no. Oh No, oh No Oh, oh with the security at now scarlet, please hurt me. Oh, Jesus guys.   I just want y'all know It's all about making carrying across look good and they're making him look like a million bucks I don't know who he faces next After this but they're making carrying across look like a threat a Legit threat and I'm all for it, bro Because it just don't make sense for him to lose anytime soon.  I like how the camera shot Showed him, you know creep up behind him. I thought that was pretty cool.  What do you mean everyone to be a heel? I mean What are you talking about? Y'all want everyone to be a heel? Caring cross works better as a heel. I can't wait cross versus Wyatt. I'm calling it. Oh, I Don't do that till later Because once again, we don't want to find ourselves in a situation where we're booking and Bray Wyatt does come back We book him into a corner where he's going against someone that needs to win and he's back He needs to win.  Keep them away from each other Yeah, I don't even go ashore's in the past for show But I don't even want him on any title Opportunity the only thing I could ever possibly maybe want to see is what they do with him Wyatt and Roman the only thing is I just don't see Roman losing the Bray Wyatt and This supernatural character because it just doesn't work. That's the only that would peak my interests That would peak my interest But outside of that even then keep them away from each other because once again, you're creating this supernatural being He doesn't need to championship. That's what went wrong last time. So hopefully They know he doesn't he don't need a pace go through. He don't know Let him build up some wins again and have you can have them in a high profile a few but no Because whoever he's feuding against he has to win. So yeah, those damn security guards facts man Her pain for it is cool But cool at all. But if that happened to me, I feel like she doesn't want want this and feel feel like Doesn't want this to feel like a date that can be the case. Well one we weren't on a date So actually we just went out to get something to eat. So that's that's the thing too So that's that's that's the thing, you know, I'm saying when we weren't on a date So I didn't take her out. We just went out, you know kicked it or whatever. So that's another thing but even then When you're going out with someone, you know, I'm saying that's still that's still a nice gesture You feel me? And once again, we're you know, we're just you know getting a chance to know each other How did y'all meet? Uh, we met uh, I wasn't about actually I've seen her before plenty of times, but we actually finally Actually conversed with each other when she uh, she had followed me on instagram and then Uh, she hit me up in the DMs and we just started chatting back and forth.  It's not that let's let's not do the now thing. This is there's nothing new And I wouldn't like let's not do that, bro I This is not my first rodeo. You know what I'm saying? So I wouldn't say that but yeah I just you know End up linking up with people that you don't want to link up with me.  Ross speaking like an actual booker Sarah Logan, I'd love to see you Sammy Ross, you look you like snapbacks or fitted caps.   Oh, no Oh, Jesus Oh lord man. Oh, they about to catch the beats, bro They are about to catch the means Yeah, I see the x's in the chat They're about to catch the beats, bro They're gonna blame sammy for this and sammy's probably gonna eat the pin. I would brawn Strowman is Fucking jacked He really transformed his body, bro. Look, bro I can only respect it. I respect it, man. He he transformed himself That's all you can do is just respect someone that transformed their body that way, bro Oh, man 446 days, bro brawn Are you uh brawn us on roids? I don't know Ross you and me gotta talk what we gotta talk about Prince Vegeta What we gotta talk about you the prince of no sayings what what what what do we gotta talk about? What what needs to what needs to be said? The fact that you still keep sending me uh videos and links after I told you don't send the same links over and over and over You're still sending the links over and over and over But what we need to talk about What we need to talk about Come on The chat wants to know I want to know so what we need to talk about. I'm waiting Come on Oh, no, I'm not about to send him to the gulags. I just didn't know what we need to talk about Very sad God, no sayings Come on, man I'm waiting I feel like you not paying attention to my comments every time I send you something. You don't look at it Bro prince was either. I hope you're joking, bro. Cause you about to lose your moderator privileges, bro I pray I'm listening to jay, bro. He's that one guy I I hope you're joking You gotta be joking, bro.  You can't you can't be serious.  That don't make sense prince. You can't say I'm joking, but it's making you mad That's a contradiction All right prince I'm gonna leave it up to the chat The chat the chat will decide your fate Everybody in the chat Should prince regida lose his mod privileges. Yes or no Yes or no Yes or no, I'm I'm I'm gonna let the chat decide No, no Someone's in No, no, it's too late now. No, I see a lot of no's I see some yeses I see a lot of no's and yeses Spare him. I see some no's Probably not no No No, please no You know what? The chat is spoken. There's a lot of people that want to take your spot But you know what the chat has spoken. So no Hey, thank you chat for everyone that uh that voted. I wish you could do polls on here. That would be pretty cool. Um, but no You will continue to have your moderation job, man The chat the chat decided it Because I was I was about to I was about to but I'm like, you know what? I'm gonna let the chat decide his fate. The chat has saved you So you gotta show love to the chat man. You gotta show love to the chat. They saved you, bro They said now we want you to continue to be a moderator There we go. There we go, man. I wish you can do polls. How can you do polls on the chat? I know you can do it on twitch But how do you do it on youtube is the real question because I would love to do polls in here They know it'd be awesome But no, I I I knew he had to be joking He said I was joking, but I was mad. I was like, hey, man Look, there's over a thousand people in here and I'm I'm trying to watch the show So I don't miss as much. I'm also having conversations with some of you guys. I'm reading the donations So if there's a chance that I don't see something Trust and believe when I say this it's not personal is just There's a lot going on right now That's that's literally when it comes down to it.  So I have a better chance of seeing your comments than everybody else.  Oh, no, let me get you Would you like to see drew few with Gunther down the line setting up a potential WrestleMania match that can be good Uh plump. That's a weird name, but that could definitely be good. I was uh How many of y'all would love to see drew versus goonther at WrestleMania?  Uh, I said movies I'm being some food at the uh the movie theater tonight.  We'll also um, I'll add some more moderators at a later date, man But we have enough right now, but thank you though What about Brock versus cross at mania? That could be good too. Brock would have to put him over, but I don't know if Brock will Then they gotta make sense Uh-oh, there go Jay He said that hurt He said that hurt Did y'all hear him? He said all that hurt Now I don't want to see cross versus rock to be honest. Why you wouldn't want to see that? Let me know Oh It's me Am I still a og Ross? What are you talking about? Are you still an old wait? What are you doing? Okay, no, bro. Jay would have to run that.  Hell no, bro. No, no Jay We would have to run that. Jay would have to run that one, bro. You ain't about to, bro.    Jay, what are you doing?  Jay is a trip.  They're hot for brawn look Look at the reaction he gets The reaction he's been getting these past few weeks have been pretty good Ross if you see my comments, it's old. What? All right prince, bro Come on. I'm trying to let you make it dawg. I'm trying to let you make it, bro Bro, these things is still by Oh Oh, he said something He said something bro He said something because like they bleeped it out. Uh-oh Whoa Bro, Michael Cole was laying on the side Documents of skew suit all messed up That's Look at that Was great, bro that whole last part Was fantastic, bro. Oh my god.  I mean, I know they were he was teasing it last week, but that's good. That's good. And you you heard the reaction You heard the reaction Oh, man, I feel like jay is gonna end up sabotaging the bloodline sometime in the future of them embracing sammy Who's the best tag team wrestler of all? All time for me is kofi. He has good chemistry with everyone and can play a good face And imperil or or a high tag. No kofi is a good like he's he's He can he can be a good tag team partner for sure. I'm gonna put hbk in there You can see hbk is really good at tag team matches. I I'm definitely putting hbk in there Oh, man la night. Yeah, I think this is what they've been building up to They probably could have pulled the trigger on this sooner triple h but they've been building up to it So smackdowns looking pretty good. They keep keep adding more pieces.   I think that's what he was talking about Hbk, I've seen him in plenty of tag team matches and he's like some of the best shit, bro Some of the best stuff I've spoken the answer is no What are you talking about, uh, kid? What are you talking about? Kane is actually pretty good too. Kane is actually really good.  No, you got, uh, x pockin kane Uh, the brothers of destruction kane is actually pretty good as a tag team partner He does actually really well in the tag team, which is crazy to say um John Cena, no John Cena's not bad. It's just most time John Cena. John ends up usually getting carried to be honest with you so rvd That's a good. He's he's good. He's someone that works well in the works well in a tag team Randy Orton definitely works well in the tag team Uh, Batista surprisingly, but he's had some cool tag team moments I still wouldn't put them in the in that top tier category, but you had some good moments Jeff Hardy, oh, I mean, I mean, I'm not stating the obvious uh Cena hasn't been carried since 2006 How long you've been watching wrestling, bro What do you mean? Cena hasn't been carried since 2006. What do you what are you talking about? What are you talking about? Not saying Cena don't have great matches, but let's let's not do that AJ Styles carried him If you want to be honest They had some great matches, but I feel like AJ Styles definitely definitely Definitely carried him in most of the matches they had. Let's let's not do that, bro Let's not you know John is he's much better than what he was before but Let's not do that, bro. It's like come on. What are we talking about here, bro? Come on Oh, yeah, I'm gonna be checking out halloween ends. I think that's uh, I think that's next week. It comes out next week if I'm not mistaken I don't know, bro Nah, bro my A lot of his opponents did to carry him. Let's just be honest.  But guess what?      It would be crazy if it's not bray, but you know bunnies Saints wrote mascot.  Etc. Here's the thing like I said, he's not bad in the ring But when you think of who's taking the lead and who isn't John's usually not taking the lead now he's good at creating he's good with the in-ring psychology of Getting the people invested and stuff like that But when we're talking about actually wrestling a just a all-tech Titian or a really good wrestler Usually John gets carried. He just does because he's not the best wrestler, but he's serviceable in the ring You know I'm saying but no disrespect to John still one of the greatest to ever ever do this, bro He's carried the company for almost 20 years on his back So I'm not disrespecting John when I say he's been carried in a lot of his matches I don't know I want y'all to understand that this that's not me trying to point it as a negative Because some people will say oh you've always got carried throughout your entire career to point as a negative He played his part because John is great at setting up the matches John is good on promos Which is that's very important. He makes you give a damn about the matches So I will say that that's my only thing I will say about that He knows how to create the big fight feel but outside of that And you know he'll he'll he'll pull out some new moves every now and then he'll he'll he'll he'll give you some five-star classics But once again It's usually him following the lead of the the more experienced more technical wrestler in my opinion That's what I've always seen But I respect him. He's the great. He's a goat facts Easily one of the best to ever I mean ever wrestling in just in general So that's just me personally That's just me personally. I don't want nobody to take offense to it. Oh, he said he was no, but let's not do that Hey, man, the show is almost over. We got 656 likes go ahead hit that like button for me. I would really appreciate it. Let's get it up there, man Let's get that like button, bro Still think Cena should have had another heel run. Well, a lot of us do but They Vince just didn't want to pull the trigger and one point he did but then he decided not to so Ross did you see the QR code video? No, you just guys you guys were telling me about it. I'll probably see it somewhere Unless you should post your top 10 favorite horror movies of all time Probably not man to be honest with you I'm probably not gonna make that video just to you know, but I can give you some offhand Since we are in the month of Halloween in the month of October Movies that I've actually seen that actually legit scared me and I got to go back to as a kid. I Want to say maybe oh No Conjuring was pretty good scared. It definitely creeped me out the first country The first it And I'm talking about the one from the actual TV show. Well, that's I guess you can say this It's not really a movie. It was like a mini series. So but that scared me as a kid The reboot the first one was actually pretty creepy. I ain't gonna hold you first one was pretty creepy Let's see paranormal activity I Want to say the third one kind of creep me out the third one definitely creep me out So I was never scary it was just gruesome so when I think I'm scary it's like I'm thinking about it Oh my way home or why I'm by myself at home Chucky the first original Chucky that shit scared me as a kid What's another one? I never really watched the exorcist cuz I just there's just something about I couldn't do it I couldn't watch the exorcist Pocha Pocha guys as a kid scared me and The Amityville horror I've seen glips of it.  So I just stayed away from them Quiet place wasn't scary. It was just more interesting. I'm trying to see if there's any other movies What's that movie if you guys I'm not sure if you guys remember. Oh There they go.  Oh Candyman did scare me What's the movie? Darkness Falls who remembers that movie?  That's it.   Oh Doreen That has to be in there.     I remember as a kid.  I was scared for days I'll never forget.  Oh my god, bro.  Oh and house on hunting hill that Definitely scared me as a kid.   Um, I think that's a good one in It may be scream was pretty good. Oh no, it's out of It's out of Jason boy. He's and Michael Myers is out of them too. Oh Like rabbit. Oh, I think it's the same thing from last time Yeah, they just re-showing it again. So Freddie Cougar is good too. Yeah, we're at 700 likes. Thank y'all so much Bro, they're having a hard-hitting bra. Oh Wow the Jordan pool reference I'm looking forward to that match at extreme rules the Imperium versus Versus shame is Y'all know what I'm talking about. I can't even think I can't even think but y'all know what I'm talking about I'm looking forward to that match too. Hey, thank you for smashing that like button. I appreciate it That's so crazy. He's never won the IT title, bro. No, he's not winning tonight, bro. Oh Yeah, he's just not it just What I love for him to win and it'll be like a big surprise, but I just don't see him winning tonight You watch AEW show after SmackDown. No, and I'm definitely not tonight cuz I'm hitting to the movies. Oh, look at dog They just brutal. I missed the Jordan pool reference. What they say. I forgot exactly what he said, but he didn't mention it What movie I'm going to see I'm going to check out smile Oh Ross you trick-or-treating. Ah Picking her up or y'all meeting there. I think she's a mean me here Are you gonna see Halloween ends next week? Yes for sure?  You should go see it. Yep. I'm going to see it, bro Friends also also end up dating. Oh, here we go Ross have you watched truth or dare smile reminds me of that movie not a spoiler. Yeah, I've seen it I Didn't why I haven't seen it, but I've seen like people talk about it I was like, all right, that's not good. What's wrong with having female friends? Nothing Ross gonna two stone his lip. All right, bro. I'm not doing it.  What is the best pizza in Houston? There's some good spots out here. Grimaldi's is pretty good I can't think of the other places right now. I'm gonna be honest with you I'm drawing a blank, but there are some good spots. Grimaldi's is definitely good What's this other place caught?  These is I'll be knowing the spots I just can't think of the names off top Spanx is actually pretty good. Oh, Russo's is pretty good Yeah, Spanx is not that bad What's the best burger place in Houston burger park is a good spot. It's hood though.  Oh, I think I bro. I know where it's at. I just forgot the name of it It's a it's a spot that only serves burgers. It's pretty good I think there's one place called hop dotty hop dotty bar or something like that There's some food trucks out here, I think there's one place called hotline burger or something I don't know. It's just it's all for me to remember these places Let me go to read some of these dough knows Did you see the QR code on Triple H Mike and graduation Ross? I hope she's the one and you stop using the lotion. Damn, bro.  He does his part, but is carried to an extent. Thank you, Jay That's that's you pretty much you pretty much was spot on with that He he usually gets carried, but he's also he does play his part very well. So Appreciate that Going to extreme rules show tomorrow with my cousin can't wait, but I'll be still checking out the stream to tomorrow to support Thank you so much, man. I Saw a smile. It was it was by far one of the best horror movies I've seen so unpredictable the trailers didn't even heard the movie at all. Oh, you got me height. Yes. Yes. Yes I've heard great things about it. Hey, Ross. Have you seen campus? I've seen clips and stuff of that I kind of got an idea, but I never watched the full movie got me height, bro Kevin Ash had some underrated hot tags. Oh, yeah Cesaro, he elevated swagger Tyson kid and shaman so far. So sorrow is is a good tag partner for sure If they can have the match at WrestleMania, who do you think should win Roman or or who are okay, okay? I'm confused who Seen it called most of his match Carey to an extent I I can agree with that Boss what you dressing up as following you just have to see my guy Are you going to see smile? You should also see front. I heard smile is really really good That's all I've been hearing.   This is a great match. I knew they were going to kill it This is a great match, bro Another week another dub for tommy uh rest in peace Ross fantasy Hold on y'all All right Wait another dub for tommy rest in peace Ross fantasy Tommy just lost last week in fantasy, but I'm I'm going to go ahead put you in time out Not even about the well, I'm not doing this with you, bro I haven't even played no none of my players played yet Don't do it, bro Don't do it. Oh, oh boy.    I'm gonna let you have your moment, bro I'm trying to watch a great match right now. Don't don't don't don't do that to me This match is they're killing it. They're knocking it out the park knocking it out the park, bro That's why I can't wait till tomorrow, man. They're gonna have a great match tomorrow Oh, no Uh-oh Jeeper creepers is pretty Jeepers creepers is trash. Well the original ones. I mean they weren't all really that good But growing up as a kid in as a teen that she was pretty entertaining to watch How I lost at NFL week just started yesterday How I lost if the NFL week just started yesterday I didn't say he was gonna lose someone was someone was uh hyping you up, bro All I know is you better win because you was talking trash, man Oh, wait. No, I'm facing. Um, I'm facing somebody else. I faced you last week and I lost I hope you lose this week Tommy, by the way, I'm facing somebody else this week. Actually I'm facing uh, uh, he goes he goes his name is king booker. I think a book or tea or something like that in our league Would you me? Hey, yo That's some blue. Wait a minute.  He definitely tapped out, bro. That's a tap. I know they're setting it up as a storyline They're gonna use that as a storyline They're using that as a storyline. Yep.  Oh, is that really a thing? I didn't know that was a thing Wait, good. I didn't cheat though Gooder didn't cheat though That's the thing he he won't clean. No still It's three taps. Oh wow It's it's three taps. Why I did not know that bro. I really thought it was like I thought it was like just in succession, but he used the weapon. What do you use? Oh, I didn't see that. Oh, okay. All right. That's that's good. That's good. That's good I'm I'm all for that. I'm all for that So it has to be three taps for it to for it to count as him For it. Oh, okay Okay It makes sense for him to cheat There there's there's still setting this up. I think we're gonna probably get some I think we're gonna get some uh Another match out of this either way. This was fantastic.  I I didn't know so I don't know what if that's in the rule books or not Because definitely if you I mean guess maybe that's the thing. I didn't know it just looked like he definitely tapped So I don't know either way the show was pretty good.  Uh, it's like a seven seven and a half smack down Definitely looking forward to tomorrow.  I give it a seven out of 10 seven and a half out of 10 Yeah, um, it was good. It was it was it was enjoyable good season premiere I think Monday Night Raw is a season premiere This monday and the dx reunion.  This is gonna be great, man But I appreciate all you guys for all, you know the love and support in the chat, man We had a good time tonight as always. I'm about to go out and uh, check out the movie smile So I'll probably let you guys know what I thought about it. Uh tomorrow on the extreme rules pay-per-view live stream reactions being a lookout for that on the interclutch main page Appreciate the two dollars. This smackdown was good. Definitely enjoyed it. Catch you guys tomorrow We'll break right why it return who knows but we're gonna see but I appreciate you guys, man And uh, see you guys tomorrow, man


In this module, we would continue with the applications of Musharka in Islamic banking and finance. Remember, we are trying to study Islamic modes of financing and their applications in different contexts within Islamic banking and finance. In our previous module, we looked into an example of Chirkatul Mil and in this module, we would try to explain an example of Chirkatul Akht. And that would be by way of diminishing Musharka. Diminishing Musharka is a financing mode used for the likes of home financing and of course it has applications in case of car financing and similar assets. As I said, diminishing Musharka in this context is an example of Chirkatul Akht which gets established with an explicit agreement between the two parties. In case of Chirkatul Mil, there is no explicit contractual arrangement between or amongst the parties. However, in case of Chirkatul Akht, there is an explicit contractual arrangement between the partners. So, there must be a contractual arrangement between the partners before Chirkatul Akht gets established. In the diminishing Musharka-based home financing, a number of other contracts are also used notably Ijar. Remember, we have been arguing that Islamic modes of financing are not just one contract. Actually, these are arrangements which are composite in nature. I.e., in an Islamic mode of financing there is a possibility of using and combining many contracts and arrangements. And in case of diminishing Musharka, two important contracts are used together, the concept of Musharka, Chirkatul Akht and of course Ijar as I mentioned just a while ago. Let us use an example. So, there is a customer which is looking to buy a house and of course after a lot of search on Zameen.com for example, asking friends and family. This person comes to know this vendor, this person who has got a house to sell. These two people, customer and vendor, they enter into negotiations on the price and of course other aspects of payment of the price as well and they then, one of them I.e., customer then goes to a bank. So, before doing so, price is agreed between the customer and the vendor and this is something we have already explained in another context in another previous module. So, after the negotiations, the customer then approaches the bank for financing. If customer's application is accepted, the bank informs the customer of its decision and if the transaction goes ahead, then the customer and the Islamic bank jointly buy the house from the vendor. In this example, $10,000 are contributed by the customer and $190,000 are contributed by the Islamic bank which means implicitly I am telling you that the price of the house is $200,000. So, at this point, joint ownership of the house gets established. However, for practical purposes, in most of the home financing products based on diminishing Musharka, the bank remains legal owner of the property for the financing fee. From Sharia viewpoint, right from the beginning, the customer and the bank, they are joint owners. However, given the limitations in a number of jurisdictions, legally the bank remains owner of the property until the end of the financing period. So, after this one, once the house has been bought jointly by the bank and the customer, then there is another arrangement between the Islamic bank and the customer. The customer, Islamic bank actually becomes less poor. It actually leases out the house to the customer who starts living in it. And of course, when the customer starts living in it, it will have to pay the rental as well. This rental is paid in such a way that the customer is paying the rental on the portion of the house owned by the bank. Remember, this partnership got established in the beginning with $10,000 contributed by the customer and $190,000 contributed by the Islamic bank. So, whatever be the respective shares of the bank and the customer, the customer would be paying the rental according to the monthly installment paid by the customer comprise two things, at least two things I should say because in reality, there are some other considerations as well. One is rental component. The other one is price paid for buying more and more equity into the property. For example, if the monthly installment is $500, it is quite possible that $200 is the rental and $300 is the amount paid by the customer to the bank on a monthly basis to ensure that after some time at the end of the financing period, the equity of the customer becomes 100% i.e., customer pure ghar ka malik banjai. So, these monthly installments are paid for the period of financing. It could be 5 years, it could be 7 years, but in most cases actually it is 20 years or more. In case of United Kingdom where mortgages are very frequent and Islamic mortgages are also being offered by some institutions, the financing period is up to 25 years. Now once all the monthly payments have been paid by the customer and the financing period ends, the customer would become full owner of the property i.e., it would own the house 100%. At that point in time, the bank would transfer the ownership of the property to the customer. Why this is called diminishing partnership? Remember in the beginning, the customer had a very small share in the house and the bank had a very big share. With the passage of time when the customer starts paying the monthly installments, banks share in the ownership of the house gets diminished. Hence the name diminishing musharaka or diminishing partnership. So, this diminishing partnership is an example of Kirkatul Akh because it gets established with an explicit contractual arrangement between the Islamic bank and the customer.