Yeah, they've been I think you have to set up a separate call to do a little training on this and not do it during call. So it'll take this is taking up time. Yeah, I mean, you know, I've already Connected Natalia some other point and then go over it. Yeah, all that is done now. Now we are recording. We are done with that. Particular thing. So Natalia, I think the key is can you do share screen also or you're not able to do that. Yes, I can share the screen that I can see. Okay, please share the screen and show the What do you call it? The antitrust policy, which should be in the link there in your meeting agenda. Yeah, click on that link. Can you see my screen? Yes. Okay, so are you seeing now the antitrust policy? Yeah. Yeah. Okay. So, so here I mean, in the link you can see the policy that is promulgated to all the members participating on the Linux Foundation. So this is available for you to, you know, to read and understand. And here are all the details regarding to this policy. Beautiful. Now the other one is the And then the code of conduct on the hyperledger. Yes, please. Basically says that we welcome everyone, right? Yes. So, so here everyone is welcome to participate and engage in any of the groups that are available. And if people have other ideas, they can suggest other other groups to work on. And basically you have to treat everyone with respect for socialism, no bullying or disrespect. Everything else is allowed in free exchange of ideas. So, yes. So, if you want, if you want, you can stop the sharing and then let's introduce ourselves and get on with the with this call. So, so the purpose of the introductions is that everyone that is on the line knows who's who's on the other end of the line and to get to know what are the topics of interest and experience of the participants. I can I can start myself. I'm sorry to interrupt. If you can, you can stop the share. Yeah. Okay. Thank you. So, so I will start myself with introduction. I'm a debt capital markets specialist, basically working on the origination and syndication of bond issuances and commercial paper and other type of of debt origination such as project finance. I'm interested in the in the I provided you to get to know how blockchain can help on the issuance and settlement processes. I'm also here stating what while assisting on the vice chair role. And but we discussed this. So this is a role that it's open for anyone else is interested to take. But you are the current. Yes. Yes. Yes. Yes. Claim it own it. Yeah, it's just that I'm still learning. We are all learning. If you can go down the list, calling on people because they don't know when they. Sure. So there's also maybe Kelly. Yeah, I'm here. I was taking notes. So my name is Kelly Cooper and I actually work in higher ed in California. And I've been a volunteer with hyper ledger for about two years. Thank you. I'm Kirti. Not sure I pronounced that right. Yeah, that's fine. Hi, everyone. My name is Kirti. I have a background in management consulting. I specialize in capital market operations. Now I'm more interested in blockchain solution architecture. My areas of interest are asset digitization. So how to kind of build the entire product from scratch and scale it effectively and solve problems within the capital market operations space, especially. And I'm currently working at least trying to find my way around a couple of papers. I'm deeply interested in regulations, data, as well as use cases. So I'm working with the rest of the team to try and define this in the best possible way. Thank you. Excellent. Saptarishi. Hi, this is Saptarishi Chaudhary. I work for Paramount software solutions. We have been engaged with the hyper ledger project from April last year, but we actually started, you know, participating in all the meetings in a more proactive way from April of this year. And I'm looking forward to explore the capital markets, especially for the Asian market, the growth of and the scope of blockchain to be applied in capital markets in Asia. Thank you. Karen. Hi, I'm Karen Atoni. I'm a director of ecosystem at hyper ledger and I'm the hyper ledger point of contact for the special interest group. Thank you. Mani. Hello, I'm Mani for life. I'm Saptar. We are working on a couple of areas in the capital markets regarding blockchain digital technology. One is on the side of things where we work with a group of industry participants to formulate. Hey, Mani, could you speak up a little louder? We're not really catching it. Sorry. Are you able to hear me better now? Yes, much, much better. Thank you, Mani. Okay, no problem. So again, I'm Mani for life on Saptar. We are working on a couple of areas. One is with each international swap association on the area of common domain model. That's for defining how the entire lifecycle of derivatives and digitizing them so that this could be a standard way of representing them on any digital technology. That's on the industry side. Also, we are working on digital assets where we are more interested in post trade life cycle. We are working with another vendor to actually solve the problem of digital custody on the institutional side. So while we are working towards a solution on that. Separately, I'm also working on contributing a bit on the standardization of various protocols that are used, data standards that are used to currently in capital markets. You could see that as one of the items that are discussed today. Thank you, Mani. Isaac. Hi, everybody. Isaac Humphill with ChainYard. We're based in Raleigh, North Carolina area. Our company has been an active member of Hyperledger since its inception. We worked alongside IBM specifically focusing on fabric. We've done work with a variety of different platforms as well. I guess the last month was a big month for us. We launched our first commercial product trustee supplier, which is a cross industry platform for supplier onboarding and life cycle management. And I joined this group. This is the first meeting I could attend because of the time. Just to see what's going on in this space through Hyperledger. So I'm just kind of keeping an eye on it for us. We do focus on manufacturing, transportation and logistics. But we've done cross industry work over the last four years, including some work in the finance and banking insurance industry. So just again, just joining to participate and see how what's going on and see how we can help. Thank you. Excellent. Isaac and congratulations on this milestone. And Bipin, I believe in you for the end. Hi, I'm Bipin Baratun. I have been working with Hyperledger for a while. Ever since we started back in 2015 or so. Or was it early 2016? I don't remember. But anyway, I'm also the chair of the identity working group and the chair of this group. But, you know, we welcome participation from everyone. And Natalia is running this meeting as we know. I am also the founder of a company called DLT.NYC. We do enterprise blockchain consulting. Mainly in the digital identity area, but also in capital markets because I have a lot of experience in capital markets, building infrastructure, putting solutions into play. In Hyperledger. So the, you know, couple of points here. One is Kelly was mentioning that there was a call for papers, which we'll talk about later. And also this trade finance secretization paper, which I'm writing an article that I'm writing. The other thing I want to say is since Stan is not going to be here because he sent me a private note. Maybe the use case project can be addressed by Kivti because he has already put in a taxonomy there and he can discuss his taxonomy. That is my suggestion. So, without waiting further, I guess we should get on with the rest of the meeting. Okay, shall we start first with that if there's any update or comments to the draft on the launch block that you started? Yes. So I had put it out and I had also sent out an email about it to everyone. It is basically going to be put in place during Cyballs and during this month because it's according to Karen, it's a fintech month or rather according to Hyperledger, I guess. Karen told me that it's a fintech month. And so the blog is there for everyone to review and for Hyperledger staff to edit. Karen, if you have any other comments, this would be the occasion to bring it up. Do you want me to show the blog? I mean, what we need is essentially it to be sort of a draft to be finalized by the community and then it needs to go to our PR team for editing. So we're not going to, it'll, the final version will be edited off the Wiki site. So we'll need a final version. I'll check back. Let's see on the deadline that I got for that and I'll let you know in a second. Okay, so. Go ahead, Natalia. Is it going to be static? I mean, is it going to be updated here on the Hyperledger space? So, you know, the way that it is doing it is having it be a community effort to draft the blog. That's one way. There are different ways that different states do it. Sometimes it's just the chair that drafts it. So if you have any input that you would like to make to the blog, do it on the Wiki. And again, I'm going to get you that deadline and then at the deadline, we will actually have to edit it off the Wiki and it'll be finalized and published on the Hyperledger website and promoted in social media when it's launched. Yeah, I wrote most of it, meaning I would say 98% of it. Natalia did edit it yesterday, corrected some things and also made some other suggestions, which I, which she has incorporated. So if anyone else has any input, that would be great. So let's move on to the next topic, right, Natalia, or you want to say anything more about it or anyone else for that matter, say anything about the blog. Yeah, that was my only question. So if there are no further questions, we should move to the next topic, which is the Global Forum Presentation. Okay, the Global Forum Presentation. So there is a deadline for giving a presentation for suggesting a presentation and you have to be, you have to look at the CFP. The call for papers, I suppose, as it's called, I will send out an email with the link to that. If anyone wants to make a presentation at the Global Forum, please update the, you know, give them this. So just a proposal, sorry, that follows that CFP. I can also try to find it and paste it up here. And according to Kelly's excellent suggestion, I might try to turn that secretization article into a presentation because the article is going to be pretty short, about 800 words. I have the rough outline of the article already. And it has got an approval from the, I think it's straight finance global that is going to host the article. So that's, that's as far as the Global Forum goes. So Isaac or anyone else, guys, if you have ideas, please don't hesitate. I'm sure Janyard already probably has some, some articles or some presentations at the CF, right? Yeah, and we have a variety of artifacts and articles and all, but none are really capital markets focused, but happy to share, you know, other things if there's interest. Yeah, I mean, what I mean is for the Hyperlegia Global Forum in, I think it's in Phoenix. Yeah, yeah, yeah, we've submitted for actually for four presentations in one product demo. So I don't know what we'll get picked for, but we're hoping to get selected for one or two things. Great. So anyone else in this group, money from Swab's, Kirti, or Saptarasi, if you guys, or Kelly, of course, and Natalia, anyone else has suggestions for this? If we create our proposals? Money? Not really, I mean, let me think about it. Yeah, the date is coming up soon. So anyway, now is the time to do the, I guess, Natalia, what is the next thing? Yeah, so maybe we should, we should speak about the status of the different projects that are currently open on these SIG. Basically, I'm not sure if there's been any updates, so maybe it's worth that we discuss a bit the status of each of them. So the first one is the taxonomy that the proposer is VIPIN. So I'm not sure here if there has been any any updates. I actually edited this map to include the financials universe. Apart from that, I think it's pretty comprehensive. My question now is what do we do with this graph? Should we link or add more information on each of these names? I think at the beginning someone suggested to include links to Wikipedia or other websites where we could see the explanation of the taxonomy. But I'm not sure if this is something that you still want to do or we have any new ideas. Yeah, I mean, it was my suggestion to have links and pop up tags so that the document is alive rather than just being dead, meaning being static. So another way is to provide a short glossary of most of these things because if you go to Wikipedia, that's a rabbit hole. Each one of those bond types can be articles of a page or more. So maybe create a glossary of this, which I will do, and then link it to this. And the other idea was to link this to use cases and to regulations and other items so that it becomes a comprehensive sort of network for people who want to learn more about each particular company. So that kind of bond or each particular kind of product. For example, the derivatives product could link to the standards that money is talking about with ISDA and all that work. You know, the point is we provide a taste of what it is before people can go and do the research on their own. And in that case, we provide some links to those as well so that it becomes a true reflection of a web in the sense that we have our own little internet of things. And then that then links to the broader subject matter universe, which is often the case when you do research that you think deeper and deeper into a specific topic. So that is the idea there. So the next, I mean, I'm done with my, I have seen your FIG extension. Natalia, can you say anything more about it? Yeah, so basically in the class... Sorry, should I bring up the share screen on that? Yeah, or I can share it. Okay, please. Can you see it? Yeah. So, so basically we have this box, the main box, which is capital markets, and we are talking about bonds, equities, derivatives and repos. So inside the bond world, we have the split of sovereign, municipal and corporate collateralized bonds. But inside, which is corporate, we were missing financials. Normally in the bond world, financials are separated from corporate because banks have a regulated industry and they have particular products and a different capital structure when compared to a corporate. So I added the different bond types in the FIG sector, which go from the more subordinated, which is the 81 to the most senior nodes, which is the cover bond. And when I am speaking about subordinated and senior, I'm referring to the degree of subordination and, I mean, the ability for the bond holder to get repaid in case things go wrong. So that's basically the full stack of the bank capital structure. So is there a, are there explanations on, on each of these, like, which we could add to the glossary, like 81, T2? I could, I could provide those, explain those, those, the wording for that. Yeah. Yeah. And the protection that you just talked about, ranging from the most, most senior to the one that is subordinated, that structure is very common in capital markets when you do securitization. And maybe we have a section on that particular aspect of things, because I will be writing about it. The trade finance securitization, basically, the lower, lower items in the stack are going to be have higher risk and hence consequently higher yield. And the safer structures on top will have, safer instruments on top will have, are going to have lower yield. So the correlation of yield to the risk of the bond is a very important concept. The problem is the pricing of these bonds cannot or may not take into account the risk, which is what happened in the last crisis with respect to subprime mortgages, because even though the yield was high, the risk was not properly calculated. So the price and the yield of the bonds were not correlated with the high, high risk of those bonds. And this is a common theme and maybe you work in the field, Natalia, maybe you can go one level slightly deeper into this right now for about three or four minutes. Yeah, sure. I mean, the biggest space in any case is very, very specialized and people like to, since there is regulation involved when you compare it to a corporate, there's a lot of buzzwords that everyone keeps saying and it's difficult to understand. So, so basically the regulation in the banking industry is constantly evolving precisely because regulators see the need of more transparency, but also at the same time to make the system safer. So they require banks to hold more capital so that in case of, you know, when problems start arising, banks are more capitalized and they are stronger to survive. Basically without the help of governments, which is the main issue here because in the past crisis in 2008, what happened is some banks had to be rescued with public money. So this is what we are trying to avoid since then. The specific of each of the instruments, again, I think it's very specific. I think it's worth maybe if you are interested to go to the glossary once it's ready. But basically these instruments, just for you to know, are designed so they cannot be bought by individuals. So normally the minimum denomination or the minimum amount you can buy of each of these bonds is depending on the bond 100K or 200K. So this is one of the measures to avoid normal people to buy these instruments because they carry a risk. I could continue speaking about this, but I think it's too specific. So I'm not sure it's worthwhile. Yeah, I mean, yes, about the financials, but what we want to draw out here is the principles that principle holds across all instruments in a certain sense, because, for example, stocks are not protected in the case of a default or a bankruptcy. Different levels of protection exist. Sometimes the, so bonds are more protected than stocks. So there is no floor on the price of stocks. There is no floor. There is, you know, you are basically, you're basically on the back of the line. Yes, so here one important aspect of the subordinated bonds is that the main difference between one of the main difference between stocks and bonds apart from the ownership is that as a bond holder, you expect to get repaid your principle at the end of the period. And some of these bonds, the chance of not getting repaid because the nominal can be bailed in, it's significant. Yes, so how does this relate in our sense to our, to the DLT? So in the end, you know, how can we relate all of this structure, the ways in this product is set up to the actual solutions that we are building, right? And there are multiple avenues through which this kind of risk calculations are done. And that's our, you know, some of our main concerns here. So we are not just looking at these bonds out of context. We are not just saying, oh, these are the different kinds of bonds. And we are not, you know, we're not going to dwell on just that. Well, I think, I think apart from that, you're right. But also one of the things that DLT can help with with these bonds is on the distribution aspects of the bonds in the syndication process. Because with blockchain, it's got, I think the use of these technologies can enable more transparency with regards to the allocation processes and knowing the holders and avoid maybe some people to get these bonds in the first place. So there's, there's more control around who is holding each of the bonds. Yes. So the benefits are many, including that metadata, which went to fairness and also of course, the whole idea around who's holding the bond becomes important. When, when defaults happen or some, or even in the beginning when benefiting the most distributions. So it's a, it's a vast universe out there about, you know, the benefits of blockchain. But it can also cause, it can also be an obstacle in the sense that some people do not want this information to be public and more transparent. So maybe it also points to Kelly's obstacle, you know, the adoption of blockchain technology. Yeah, and I think that's true across a lot of different segments, not just the capital markets, part of the uphill battle. Yeah, sure. But capital markets are a very important segment and financials, you know, and highly regulated, sometimes in the wrong way. So there is also that. Yeah, you're right that, you know, it affects the prices of everything, right?  Well, all these things are constructed in an unfair way sometimes because they look at the wrong, wrong things at the risk profile. Anyway. Okay, sorry. Go ahead.  No, I was just going to suggest to move to the, to the next, the next project about standards. Can you, can you share the screen on the standards? Yeah, I'm on it. Yeah. Yeah, thank you. So, Whippin and I had earlier figures that are kind of a rough draft outline of what we want to accomplish the standards.  And then on the derivative side, FEML, you just look at the score further down, you would see FEML and then followed by is that common domain model, which is an emerging new standard that covers multiple asset classes. So I try to cover as much as possible given outline as indicated given pointers from here to the more the specific industry standard bodies or the other websites that have more details. But this is just a start to give a collection of information about the various standards that are predominantly being used. The one thing I'm not looking to is the ISO 20022. I don't have much of experience on that. So that's an area we would like to cover. If there's interest on other standards, more than happy to look into, or if you want to expand further on it also we can definitely look into it. I think the ISO 20022 is quite important here because, for example, if you, if you go to the ASX project chess replacement by Daimau idea. Right. You'll see that a lot of the they point to ISO 20022. But that is a data interchange standard. But then finally, they also point back to certain other standards like for example, legal entity identifier. And G L E I F, you know, the global legal identity at the legal entity identity foundation, quite a mouthful there. But basically that. I mean, I don't know whether Isaac is your. That's your project or product, which is the know your supplier product. Does it have any integration with L E I somebody's got a you should go and mute if you have you're not speaking, please. And I apologize when you say L E I can you explain that legal entity identifier, which is a standard promulgated by the global G L E I F. Basically, that is a standard that has been suggested for legal entities. And it contains, you know, lots of information. And that is slowly becoming a global standard because it provides for nested structures for agreement with the local regulations and for discovering beneficial ownership. So integration to that would be very key in creating a product like know your supplier because one of the sources of information about the supplier would be a something like L E I. I'd have I don't work on that every day but I'd have to say no week that's not a standard that's adopted. We have for the launch we've depended heavily on Dunham Bradstreet for verification of a lot of the entities. And that's something they do today so we're doing that through APIs and there's some other other third party verifiers who are part of the ecosystem for providing financial ratings. We're talking to somebody about providing cyber security rating eco goddess is providing, if you will, sustainability ratings and all just things that are important to big corporations when they're onboarding suppliers. But that's not one of them. I've taken a note here to look at that. Oh, thank you. Yeah, I'm actually going to write a rust based system, a library to interface with that standard, which is available as a HTTPS, like, you know, rest API. And contributed to possibly to grid or one of its so so so projects, because I believe that that is very important. There exists already exists from Python code, you know, libraries to do this, but the key thing is, it is. It is a global standard so it's not just confined to a specific country. And I'm sure that even, you know, the legal regulations in the United States are also covered by this standard. So, I mean, I can, you know, we can talk about this often, you know, we could talk about this later but let's go on with the rest of the stuff, unless you have something more to say on this topic. The only other thing I was going to say was, yeah, when the identifier itself for the supply for the entities this, both the buyers and suppliers are using a W3C standard for the digital identity that's been proposed and to that to that body. I don't know if it's been accepted or not, but there's was a right upon it, but it did specification. Yeah, the did that is very important. But in the end, the kind of it's more on a schema side, meaning what is available right. Yeah, I understand that and I'll talk to those guys and see what what they're doing on that side. I'm very interested in what you guys are doing because of my other involvement with identity working group. The key is that many of the risks identified in the capital markets. Evolve around KYC AML, which in the end, you know, in the end points to all this book, and things are related more than we realize. In fact, when I'm researching the paper, I see that a lot of the risk is connected to KYC AML. Yeah, and trade finance is an area we've definitely done a lot of research and discussions on because it's it is such an integral part of the supply chain in terms of helping companies extend their reach and capitalize their basically the product development and all product creation. So it's a good good overlap with where we do focus. I can I I'm looking at the agenda the the paper that you had proposed that's not listed as a project. Not yet. Okay. Because we just started on this week. Okay, I got it. Thank you. But that is actually an article to be put into trade finance. We've been I had just one quick query, the submission that we need to make for September 27. Is it a full proposal or just a concept we need to share right now and maybe we can work out later and get it done completed because the event is in March after six months. Yeah, the CFP process lays it out. So I'm going to send a link. I added a link into the agenda and you're correct. It's only the proposal. It's not a completed it ready to go project or paper. Yeah, all you need is the abstract. You don't need the presentation till one week before the actual presentation. Okay, thank you. Because I see that you have mentioned here trade finance securitization and last week. Just a steering committee report from the government of India released 150 page document in which they have strongly emphasized on trade finance and other applications of blockchain so I was just going through that maybe I can share with the group. Because I think there are some coherence to what we're trying to achieve from overall initiate itself. Because we will continue working on this. This is my, you know, somebody's, I think I just created this 37 minutes ago. So, this, this was the proposal that I've given to for the paper, but this can go, you know, further in our group, because there are all kinds of dimensions to this. Anyway, let's, you know, maybe we should move on to the next topic. So the next project is about use cases. Stan created this first draft of the use cases. I wrote in red a question that I had when I was looking at the split of capital markets. Maybe my suggestion is, does it make sense to separate between primary and secondary markets? Because some of the products, I mean, the post trade would be part of the primary market, but then all the other activities on the secondary market are actually huge. So, so for instance, when, when you see this, the graph, the map inside capital markets, I've written here, bond origination issuance, which would be the primary market when, when you create the security. And then all the other topics, which I see the trading and the post trade, all these is the secondary market. However, I have a question and I'm not sure that the OTC products, the over the counter products would go on the primary market on the secondary market. I'm just saying this in sake of clarity because there are a lot of boxes. And, and, and maybe it's easier to separate the different strings. I'm not sure if you have a view about this. Could be, since you created this, could you comment? Well, first and foremost, what I've done in form of adding value is taking what Stan created and I've just converted that into the mind map. But to answer Natalia's question, I completely agree that they should be a proper primary market and secondary market division. But in order for us to do that, I'm not sure how we'll be able to clearly demarcate that. So I'll need a bit of help over here. So if we can do this in a proper way, then I could go ahead and like define the taxonomy in a more accurate way and then take it forward from there on. What I'm going to do is I'm going to think about it. Okay. And maybe contact you. offline with. Yeah. And then, and then we can, we can take it from there. Yeah, sounds good. Sounds good. I'll whip in. This is a question for you. So I'm happy to kind of contribute and take this forward. I'm just trying to kind of put work my way through this. So for the first few weeks I've been silently observing as to what's been happening in the forum now that I vaguely understand how we structuring projects and everything. It's going to be my best to kind of fit in as much as I can. I think one of the challenges is that this this way of working is really new for me. I've never done this before. So it's going to take a bit of time for me to get used to it and start being able to contribute actively within these sessions. Yeah, I mean, on a two week schedule call. I cannot get much done. So it is between the calls that work can be done in a very sort of hard hop manner, if I may say, without a schedule because everybody's free at different times. Everybody's around the world. The other thing I just heard from Natalia, which I agree with is that there are too many boxes, even in the first taxonomy. So maybe the thing to do is create, you know, levels or hierarchies of these structures. So that we can have a primary connections only in the first, in the first mind map, and then each one of those sections will have their own little, a little mind map so that you don't get overwhelmed by the detail. Okay, okay. I mean, that's my feeling of the now, but what is what is everybody's, what is everybody think of this. The one thing that I would like to comment on is that is, you know, the taxonomy is more towards, I guess, more of a product classification here. It's not necessarily a market structure, whether it is a primary market or secondary market. If you want to address that we might obviously address it separately. And because it all depends on, you know, how you look at the primary market or secondary or tertiary market, it all depends from market to market, how you feed it in bonds or derivatives is much different. I think we should not mix those two things together here. The focus here is about outlining products and classification of products that we should take to and then have a separate area to discuss more on primary versus secondary market. That's my thought on this. I agree, Manny. So should be, I mean, Kelly's finished taking notes, we should thank her for that. And I guess we are almost coming to the end of the thing. We have come to the end. Natalia, if you have any closing comments. Basically, you know, there are still things, I mean, we have different work streams open. I see we're seeing, I mean, progress. There's different people, also myself, that we are newbies to this hyperledger and the way of working and the way of editing the documents. And even in my case, like, sometimes I'm not sure how to do the things on the graphs, but this is a learning process, I guess. So I'm happy to see I'm not the only one and we are all welcome to participate and contribute in the best way we can. So I would encourage everyone to continue working and on the different projects. Basically, everyone is learning. We are questioning the very basis of things and working groups and what the work product should be. The whole of hyperledger, you know, meaning, I mean, not only code, but everything else is important as well. So that's the key takeaway and how do we collaborate, you know, collaborate, effectively produce something that people want to read or visit and provide value to the others. That's the key. Anyway, I guess we are at time. Yeah, we are at time. I see there was also a new, a new topic about tokenization and digital currency. We have surpassed time. So I think maybe we can, we can leave this topic for our next meeting if you all agree. Yeah, maybe we should start discussing it in random order because always the first few topics get discussed and the ones in the end do not get the time they deserve. Yeah, I agree. In any case, I will put it on the first item for next agenda. Thank you. I'll post audio and other links, video links. Okay. Cool. Thanks, everyone. How do you see it going forward with that paper then the trade funds. Yeah. Yeah. What's going to happen is that I have to produce it in the next couple of days. So it will be a very brief paper 800 words or so. But we continue to work on this and I will propose that as a talk for the HDF. Right. And then we can also include your input into it here on the on the weekend. And I would like to talk to you about your global, you know, your supplier product. If you want to want me to Yeah, happy to talk about that. I just, I just would like, you know, to see what you're going to write about and potentially contribute. There's any opportunity. Yeah, do you, did you see the link that. I do have the link to the draft notes. Yeah. And also the link to the To the post to the proposed paper. I mean, I'm getting, I'm getting all the outline, the outline. The piece is, you know, very simple. In fact, it will go into details on what Natalia was talking about also the structures. You know, For example, the structure of the, of this bonds. What has, what has been done in trade finance so far is the creation of this PV Vehicle and and isolate this particular entity. Securitize the trade finance through that entity. For two things one is because it's low duration they created some kind of a revolving facility.  And those are then sold separately to different institutions. I'm very familiar with the way in which these things are done because I worked a lot with credit markets, including mortgages during the crisis. And after the crisis. So, you know, what we need our tools, basically, in order to do the securitization. Yeah, I think, and I'll drop, we'll take this online as a, I think what I've seen is just getting the banks to support these new platforms has been the biggest problem on their success. Like there's lots of ideas out there to put these new ways of doing business together but getting the banks to participate and make them successful has been the challenge. All right, I'll talk to you offline on that. All right, thank you. Thanks a lot. I'm going to end the meeting. Thanks everyone. Bye.


Hey psyched goers and welcome back to our channel. Thank you all so much for the love that you've given us Your ongoing support has helped us make psychology and mental health more accessible to everyone. So thank you now Let's continue isn't having a new boyfriend or girlfriend. So exciting There are butterflies and flirty texts brushes on the arm that make you light up and long conversations over the phone The beginning of a new relationship can feel so heady and come with a head rush of emotions and thoughts But how can you be sure that your new bae is ready for a romantic relationship? How do you find out if you're both on the same page? To help you gain more clarity in your situation here are five signs that someone isn't ready Number one they're going out with a lot of different people Have you ever been in a situation where you're getting to know someone and are starting to develop feelings only to find out that They're going on multiple dates with other people It can be jarring and is heartening to find out the person you like is seeing other people According to global news comm this is a common scenario due to the popularity of dating apps Apps like tinder bumble hinge and countless more have vastly widened the pool for potential partners Online dating expert Julie Spira while advocating for casting a wider net also explained the darker side Casting such a wide net she says that if someone continues to play the field and doesn't take a digital leap of faith with one person They may end up on a merry-go-round and end up in a series of one-and-done dates or dates that don't go past a few weeks If this is happening to you and you're not currently seeing anyone else elite daily notes that having a straightforward Conversation about where the two of you are could be helpful in establishing what the dynamic will be moving forward in a committed relationship Number two, they bring up their ex often. Have you ever wondered why your new partner keeps bringing up their ex? Have you been stuck thinking that it could mean something deeper? Maybe they mentioned their ex out of nowhere or reach out to their ex on their birthday or still keep in touch with their ex's family If you're entering into a relationship with someone who is emotionally unavailable because they have unresolved feelings for someone else This could lead to a big hurdle in trying to properly connect with them If they strictly engage in polite conversation with you and don't talk to you about anything deeper or more meaningful And it feels like they push you away when you get too close to an emotional boundary Then this is a sure sign that they aren't ready for a real relationship with you Number three, they don't know what they want. Have you ever expressed exactly what you need from someone only to be met with an I don't know from the other person It's hard for someone to be all in and ready for a relationship with you If he, she, or they is unsure of what they want It puts you in an unstable kind of situation with little support Wishy-washiness and a shaky sense of commitment is never a good sign when it comes to establishing a relationship Number four, they're flaky. Does your partner text you last minute and bail on plans or dates all the time? Or if they do happen to show up, are they chronically late to every gathering? This is a major problem when your partner has an inability to follow through on plans or arrive on time This type of behavior shows a lack of commitment and a skewed sense of priorities If they can't or refuse to make time for you, then you simply aren't important enough for them as They'll always have better places to be and friends to hang out with and number five There's a lack of progression in the relationship Does it feel like your relationship is at a standstill? Has there been too much distance between dates? Has it felt like there have been any steps taken forward in the relationship at all? When you're suffering a lack of progression in your relationship There might never be a mention of a future together or there's no immediate plans being made Or you're struggling to feel emotionally fulfilled According to lifestyle.com the progression of a relationship typically occurs in five stages Attraction and romance reality sets in Disappointment the stage in which conflicts get resolved and there is growth in a healthy partnership And finally stability and commitment If it feels like this dynamic is in limbo and isn't headed towards the next stage It could very well mean your partner simply isn't ready to take the plunge and be in a relationship Did you relate to any of the signs mentioned? If you're unsure of your relationship status and feel like you're holding on to a shaky sense of commitment from your partner Then it's time to give things a hard look And choose to fix the issues or move on You'll figure out what's best for you. What other signs can you think of that someone isn't ready for a relationship? Share your thoughts with us in the comments below Please like and share this video if it helped you and you think it could help someone else too The studies and references used are listed in the description below Don't forget to hit the subscribe button for more psych to go videos and thank you for watching We'll see you next time


Hey, welcome friends once again to this problem-solving session in physics We are dealing with the chapter called motion and this particular question deals with Concept of distance and displacement. So let's first read the question and understand what is the demand of the question So it says in a long-distance race. So there is a race going on the elites were expected to take Four rounds. This is the data point four rounds of the track Such that line of finish was same as the line of start Suppose the length of the track was 200 meters. So for your understanding, I have you know shown a small You know diagram here, which is a you know race track So if we consider this full length to be 200, what is the length? So let me draw it here. So if you see this total length Is given to be 200 meters, right? So this length of the track. Let's say D D for 200 meters, right? This is what they have given now what? It said that What is the total distance to be covered by the athletes distance now the question is Total distance distance is nothing but the length of the Track right or the length of the path on which the body moves is called the distance You all know so for example, let's say this is the path of the body body goes from A to B So you know that the length of this path the actual length, isn't it? So you have to take the measure of this Track and then this is distance. So in this case, what is the question? It says that they go four rounds four rounds right four rounds and in one round how much distance does do they cover? So very easy. So in in one You know, so let's say you're talking about point number one here in one round In one round they cover Athletes cover athletes. So we have athletes here. So athletes athletes Athletes, sorry Athletes cover how much? 200 meters D is equal to 200 meters Therefore in four rounds, it's a unitary method question actually in four rounds Four rounds they would cover how many how many meters or how much distance four D So in one round 200 so four four rounds four into 200 That means 800 meters That becomes their distance right so going round and round one two three and four like that, right? so four times they complete the um The track or the or the laps whichever way you want to say it so 800 meter becomes a distance very very easy, isn't it? Now second question says what is the displacement and what is the displacement guys defined in physics? So displacement is nothing but the shortest distance between final and initial position In this case if you if you see the athlete, let's say start from this point goes for one full circle Then again goes for the second one then again goes for the third one and then final fourth one and comes back to the same place So very easy. How what is the displacement clearly? There is you know the final and the initial positions are same so initial and final positions final positions positions are same Hence we know that whenever there is initial and final position same we say Displacement in that case Displacement becomes zero right so there is no gap between the initial and final position There's no distance or no, you know measure between in that you know in terms of length of the final and initial position so final and initial are Coincident points so if there is no You know a displacement between or let's say the body didn't go any displacement undergo any displacement So this is clear now it doesn't depend on the shape of the path actually So whichever is the path you take and you come back to the original point So the final and initial position are same and hence there is no displacement irrespective of the nature of the path You take now is the motion of the athlete uniform or non-uniform. This is the question number three So for that we need to understand what is uniform motion? So uniform motion is uniform motion is a motion in which velocity stays constant What is uniform motion velocity? stays Constant right and what is velocity guys velocity is nothing but speed plus Direction direction speed plus the direction must remain Must stay same Must stay same that is speed should be constant That means it should cover equal distance at in equal interval of time as well as direction should be constant And when is the detection constant when a body actually moves in a straight line motion in a straight line? motion in a straight line can only ensure Motion in a straight line can only ensure uniform motion It doesn't mean that all straight line motions will be uniform. No when you throw something up against the gravity It's a motion in straight line But that's not uniform motion why because the velocity keeps on reducing and finally ends up being zero at the highest point And then it starts going, you know increasing once again, right? So that is also motion in a straight line But that's not uniform motion owing to the changing speed at every moment but if there is there is something which is changing this the direction of Motion every time it cannot be in Uniform motion for example if this is that this is a track and the you know The object is moving across this track It cannot have uniform motion why because at every moment the velocity direction is changing You know that velocity is a scalar quantum vector quantity Sorry, so velocity direction at every point is changing. So when the direction is changing, it cannot be uniform It cannot be same well same velocity. So velocity doesn't stay constant by virtue of what? changing direction so we can write it's not it's not a case of uniform Uniform motion and the reason being Reason is velocity is not constant velocity is not Constant and why is it not constant? because because because athletes athletes change Direction direction While running isn't it while Running then only they are coming back to the same old or initial point hence Not a uniform velocity, right? Not a uniform motion Okay Is the displacement of an athlete and the distance moved by him at the end of the race equal the fourth question? The fourth question is is the displacement of an athlete and the distance moved by him at the end of the race equal? Clearly not why because the distance is can you see 800 meters is already there and what is the displacement zero? So how can zero be equal to 800 meters? So hence we say answer for is clear. No the distance the distance as well as Distance sorry distance is not same as is not Same as Same as displacement Displacement at the end of the race end of the Race and just to add to your knowledge The distance and displacement would be same Only in a straight line motion, right? So and that too in one direction. So what I what do I mean is? So there's a body which goes like that Okay, so in this case only Distance and displacement are same if the body returns back to the same position Then distance and displacement are not same again if the body changes direction Like that while moving then also distance and displacement are Not same. So only criteria is they must be moving in a straight line and that too only in one direction one direction One direction straight line motion Straight line motion in this case. What will happen? They will have distance equal to displacement


Hello everyone, this is financial author Ahmed Dang of Iran Journal. On this channel, you'll find financial travel and more videos just like the one you're watching right now. If you like what you see, please consider subscribing and give it a thumbs up. Today, I'll do an unboxing video and a brief review of the CIBC Air Canada AC Conversion Visa Prepaid Travel Rate Card. Even before I start, I'd like to mention that this is not a sponsored program and I was not paid for by CIBC or Visa or any credit card company or Air Canada. What you see is my honest opinion and all my reviews on this channel or on Iran Journal are unbiased, honest and true opinion. I do not present any affiliated links or do not make money from any credit card companies doing any reviews or videos. So let's go to the video and unboxing and I'll talk about this card briefly. Thank you and have a good day. Hello everyone, this is financial author Ahmed Dang of Iran Journal. On this channel, you'll find financial travel and more videos just like the one you're watching right now. If you like what you see, please consider subscribing and give it a thumbs up. Today, I'll do an unboxing video and a brief review of the CIBC Air Canada AC Conversion Visa Prepaid Prepaid Credit Card. Now don't let the name prepaid chase you away from this credit card. Although this is a prepaid credit card, it's a travel credit card and it comes with various parts and features which I'll talk about shortly. And before I start, I'd like to mention that my credit card reviews and videos are unbiased, honest and my own opinion because they're not paid for by any credit card companies or any companies and I do not provide any affiliated links to make money of my card reviews on my video or on my website. However, if you are reading most of the other videos or other reviews online, they offer affiliated links and they're paid for by credit card companies to promote their credit cards but with my site and my YouTube channel, that's not the case. So it can be rest assured that I'm not making money from anyone and what you're listening, these are my own personal, honest, unbiased opinions. So now let's talk about the credit card first a little bit before I start doing the unboxing video of the credit card. So the CIBC Air Canada AC conversion visa credit card is a travel credit card but it's a prepaid credit card. What it means that you don't have, it's not like a credit card that where you have a credit limit and you have to apply and you have to be approved to get the card. So this is a prepaid credit card and you transfer money from your bank accounts or other credit cards to this credit card and the reason I like you, it gives you the options and choices to make the balance as you like. So the first thing first, there are options to transfer in 10 different currencies including Canadian dollars and so if you like you can put in money in any one of those 10 currencies and then you can do shopping or visit those countries where those currencies are the main currency. Now let's say if you are in one country where the primary currencies or the 10 currencies are not one of the currencies then you can still charge the card but then it's going to be charged back to your Canadian dollar currencies after the conversion and everything and there is going to be a foreign currency conversion fee which is 2.5%. But if you are charging in those 10 currencies in any countries where those are the primary currencies then you can save foreign currency transaction fee on this credit card which is very important because in Canada only 3 great cards excluding this card does not charge you foreign currency transaction fee. I'll not go into details about this, you can go to my site or you can visit my YouTube channel I have talked about which cards do not charge foreign currencies in the past or I'll talk about this in the future more so I'm not going to emphasize on that right now but this card although it's a prepaid great card it does not you can avoid foreign currency transaction fee as long as you're staying within those 10 primary currencies and those 10 currencies are Canadian dollars US dollars Euro Great Britain pound and Mexican peso Hong Kong dollars Australian dollars Japanese even and I believe there are two more which I can't remember right now but it must be in here so I'll you know give you from there and then the other some of the other features which I like is that you can withdraw money from ATM if you do that using any other credit card then you pay ATM transaction fee and if you do that in a foreign country that ATM transaction fee can be a lot higher with this card if you take out money in Canada then there is no ATM transaction fee but it has to be a CIBC ATM and if you're in a foreign country then you can withdraw money and your first withdrawal is free from any ATM so that would save you a lot of money when you're traveling the other thing I like about this card let's say you're in a foreign country and most of my credit cards have very high limits for example they're like 20 30 thousand dollars trade limit and I would be comfortable walking in a foreign country with a parade card in my pocket with so much great limits although I know they have all the security features and everything but with this great card I choose to I choose how much I'm going to transfer or how much I load in the parade card for example the minimum load amount is $100 in that in any currency and then their maximums are set for other currencies which you can find out in the in the websites and it will give you all the details so the benefit comes with the fact that you can load let's say $500 $200 $300 every day when you're traveling based on your needs and then you don't need to worry about you know if your great cards gets get lost or stolen because then you're going to if you lose this card you're going to lose a very small amount so you don't need to go through all the hassle and pain of like in cancelling on the cards and worrying about what happened to your cards and it's in a foreign country if you don't have access to a phone or if you are in a remote place then that can be a really hassle so with this card you're avoiding all this and you're just loading what you need and then you can you know actually do you can look money from your smartphone app or from the website I usually do it from my smartphone and then I just load as I need you know I don't need I don't look too much I would just be loading based on my needs and then that way I'm secured that even if my cards card gets lost or stolen I'm still okay because you know I'm taking chances on a very small amount so now inside there should be a brochure or manual which will give you all the features again and I'll go to over three again so let's start the unboxing okay so here is the envelope so it comes in a plain white envelope and I'll start taking out slowly okay so this is the what it looks like the front side and let's set aside the envelope here and what I'll do looks like the card okay looks like the card is in here so I'll just set this aside for now and I'll go through these brochures so here you have a small one pager giving a quick start guide so it tells you to activate your card just like any regular credit card retrieve and remember your pin because when you need to make purchases online or in stores then or withdraw cash you need a pin download the app and start using your card okay so I'll set this aside here and then we have an information page which is CIBC prepaid card agreement so it tells you about all the things you need to know about this card so let me see if I can find anything I can mention from here your card your balance safeguarding your card review transaction return of course liability foreign currency transaction for other currency so it tells here that will convert transactions or trades for returns in foreign currency to Canadian dollars at the rate of exchange charged to CIBC plus the foreign conversion fees set out in the terms and conditions for foreign currency curves will convert transactions or trades for results in currency other than the currency of the curve to the currency of the curve the exchange rate okay so it's just you know giving you everything cancelling changes termination of the agreement liabilities errors all set this aside for now here okay I think I have found something here let's take a look here okay so here actually you'll find those 10 currencies I just mentioned and these are Canadian okay so these are Canadian US Euro Great Britain pound Mexican peso Hong Kong dollar Australian dollar Japanese even and Turkish lira that's TRY CHF would be Swiss frank which is the currency of Switzerland okay so if you need ATM withdrawal within Canada it's right here it's right here ATM withdrawals within Canada is free and ATM withdrawals outside Canada no fee will be charged for the first ATM withdrawal in each month so every month you get a free ATM withdrawal if you are in one of these currencies or if you are in a country where these are the primary currencies in foreign lands so let's say if you're in the US each month you're able to withdraw one transaction of US dollar without paying any fees which is a very good feature because let's say you're in Mexico or Hong Kong and you're using your regular credit card or bank card then you're gonna have to pay a lot of money to take out the money to do the withdrawal from your card all it's your own account and again here we have the transactions listed which I just mentioned and here it just tells you that how is your balance debited transaction in a supported currency meaning one of those currencies transaction in non-supported currencies meaning one of in any country where these one of these 10 currencies are not the currency and then other fees and foreign exchange rates for transactions and everything else okay so I don't see anything else here there are lots of things but I'll not be able to go through all of them okay so I'll set this aside and I have something else in here okay so this side is blank and this side let's see what we find here now here the funds on your currency do not expire your card expires on the last day of the month which is written on the card so the funds you're loading in or the funds you're keeping with this card it's a good thing to know that they do not expire and if you're if you have a balance and then if you're changing the card the balance will be transferred to the replacement card which is activating your card that's common you activate your card checking your balance and obtaining your pin will be required to set up a username and password that allows you to log in to manage your account at CIBC.com yes that's like you know you have to set up your pin your password and all sort of stuff to start logging into your account and your app this is a very important section right here transaction okay so transaction limits the following transactions so that transaction limits for example minimum load amount per single transaction it has to be 100 Canadian dollars equivalent so what it means that let's say you if you wish you just cannot transfer a low $20 $10 $50 it has to be a minimum of 100 Canadian dollars and maximum load amount per single transaction is 3,000 Canadian dollars equivalent so you cannot load more than $3,000 per transaction and then maximum balance at any point you cannot load more than $20,000 here these are all actually these are all for security reasons which I like and the daily 24-hour maximum point-of-sale purchase limit $3,000 Canadian equivalent so what it means that let's say you have $20 balance and you lose the card someone you know takes the card and tries to charge $5,000 it's gonna decline because in any 24-hour period the maximum can be charged is $3,000 another security feature daily 24-hour maximum ATM withdrawal $2,000 so you cannot withdraw more than $2,000 Canadian equivalent in 24-hour period which is Amdars security feature I like and to prevent fraud we may impose additional transaction limits which are good things and other documents and contact us so these are the minimum and maximum limits you can have here you'll not find everything but if you go to the website then it has more information and then if still if you cannot find any questions you have just call them each time I call them they pick up the phone right away so the customer service is not bad I would say it's good customer service and I cannot complain so they'll be able to you know offer your assistance in case of you have any questions or anything and there's another point worth mentioning which does not they do not you know clarify here is that although it says maximum load amount per single transaction is 3,000 Canadian dollar equivalent it does not mean that you can put in 3,000 Canadian so you can put in 3,000 Canadian equivalent in other currencies for example I was trying to load $800 Canadians and it declined I actually didn't decline it just like you know showed everything was okay then the transaction never happened and I was worried that what happened to my $800 and my the credit card I transfer from even didn't show that the $800 you know was charged then I called them and they mentioned that when you're loading Canadian dollars the maximum is maximum is $500 per transaction so if you try to transfer if you try to load $501 in one transaction in Canadian dollars it will not go through so it's $500 limit if you're just doing Canadian dollars loading however they do not mention that anywhere here so I learned that from my own experience okay so I'll put this aside here and let's go back to the card now so here is the letter you get and here is the card and so this is where what it looks like okay so it says here 10 currencies 45 countries one card simplify your travel with the CIBC or Canada AC conversion visa prepaid card you can now spend in 10 different currencies using only one card with this card you can pay with the local currency at millions of locations worldwide including making purchases online over the phone and so on okay so this is the first page and I'll set the card for now and let's see what's in here okay so they have a frequently asked questions part in here for example how do I activate the card how do I load funds onto the card what currencies can I load what my pin number and can I use this card at restaurants and hotels and water dynamic currency conversion payments all sort of stuff which are very good things to know so if you are getting this card so you should go through all of these so it just tells you lots of the things I just mentioned you here and you can just go through this if you're at the car if you're getting this card and now let's look okay so just give me one second I forgot to hide something here okay hold on okay so this is what it looks like okay so it's a visa platinum card and okay so it's a CIBC beer Canada AC conversion freight card so that's the card actually has a very minimalistic face which I like it's not you know too much they didn't put too much stuff on the cover on the front face of the card it's just very simple design red and white I like it's eye catching it's not a bad-looking card and it's yeah it looks nice and neat and clean clean designing so which is a good thing so here's everything about this card and I'll just complete this video shortly and I have more information or I'll be writing more articles on it on channel and possibly I'll do more videos on travel on this card and also I do have reviews and unboxing of other great cars and have a lot lots of videos on travel great cars and rewards points great cars and everything so you can go through my channel and you will if you like you'll be able to find lots of videos about this type of cars or other cards and rewards and points and programs and all sort of stuff so thank you for watching and if you like or if you find that this was helpful please give it a thumbs up and consider subscribing thank you and have a good day


I did both my degree in Indonesia. For undergraduate I did biology and for master's degree I did biotechnology both working in banana. My research area now is plant production. I'm doing my research on grapevine the buds so I'm looking why are some buds are not bursting when spring comes. During winter they're all bold as you can see no leaves at all but sometimes when spring comes they still bold some are not turning into shoots so I'd like to know what happened to those who are not turning into shoots. I chose UWA because basically I like to work in plant biology and in fruiting plants and then I searched in the whole Australia there were two candidate supervisors that I like but my supervisor here Michael Considine he was very friendly and very supportive from the beginning so I decided to go here. The facilities here are very good for example even though every not all facilities are in the same place that I sometimes have to go to for example the hospital but it's very easy to access what they have there even though I'm not from that school and overall people are also very helpful here. I have a very good opportunity last year so because the collaboration here is really good so we have lots of adjunct professors coming from overseas universities well known universities and then my supervisor he also has a good collaboration with prominent scientists from Leeds University Christine Foyer so last year I was invited to visit her lab for four months at Leeds University which are really good for me because then it expand my network and then I have more opportunities to experience working in different labs. After finishing my PhD I'd like to do some more postdoc research to make myself more mature in biology research. My dream job is to be a lecturer as well as a researcher especially because I'd like to invite more young women to study in science so I think they have to see an example first and then maybe they can be inspired to do the same as myself and for science itself I'm the matter that we need to provide more food I think to work with a plant which is the main producer of food it's the best thing to do so then I can maybe later we can help to feed the world to produce more food for the people.


Yes, I know. I just did an Amazon video for you guys, but the rest of what I tried this month is so good that I couldn't wait to do another one. So we're gonna get into some more amazing, really, really good Amazon finds right now. So here's the thing. I found some stuff for my peppers and I want to start off with that first. So this is Lacey. She's my chunky doxen. She's a lover girl, but I had her color got really old and I wanted to replace it. And I was on Amazon and I was like, okay, what am I going to replace it with? Because as soon as I took her color off to wash it, her brother chewed it up. I went on to Amazon and I found these personalized colors. I'm going to put Lacey down and I'm going to show you the color so that I can cover up my phone number so I don't have anybody calling me. But here is her color. It has this engraved on two sides. So Lacey's name is right there and my phone number is right here. So anybody that finds Lacey can call me and let me know that she's a lost girl and that we definitely can pick her up. So I thought this was so good, so genius because you really do need something on them for identification, especially if you don't have them chipped. So the other thing is that it comes with a matching leash, which I thought was so good because you have the matching and you have her number, her name, and my number. And I just thought that this was a great way to kind of upgrade their colors, have fun with their colors, and keep them safe as well. Now, a supplement for me. If any of you have gone to the doctor and you've had your blood test done like me because you like to stay out of the sun because you don't want to have the aging, you are deficient in vitamin D. And I found that that is one thing that really contributed to my depression. It also contributes to a feeling of just being exhausted all the time. When my vitamin D levels are up, I do find that I do better. But I didn't know that not only should you be taking vitamin D3, you should be also taking K2 in order to balance it. And that is what this is. And I have been feeling the effects of this finally after such a long time. I learned about this from my friend Kimberly at Pretty Over 50. She has the best suggestions about lifestyle. If you don't know her, go over and subscribe to her. I'll put her channel below for you. But this is a plant-based D3 plus K2 2-in-1 formula formulated with coconut oil. If you have a coconut oil allergy or a coconut allergy, please take note of that. It balances it and it helps it absorb better. So this has been really good for me as a support. And I just wanted to tell you that I found that out. So research it. If you don't know about it, that K3 or K2 really needs to be taken with vitamin D3. And there's the size of the pill. It's not very big at all. But this has really been something that I feel like has really been helping me a lot. Okay. So I'm going to show you something. I hope none of you take offense to it. This is something that my husband bought me.  The more dangerous our society gets, or the more we have to be out with our, without our loved ones, maybe we're out, you know, working at night or whatever, we need to have more safety features. And this is a flashlight. It's a LED flashlight, which is good to have anyway. But it's also a stun gun. And I'm going to push the button. It's kind of shocking. It's kind of loud. But this is the amount of jolts that the police use in their stun guns. Now for me, it is such a great piece of mind. I mean, when you're carrying mace, yeah, but you don't know if you can always hit them in the face with the mace.  This gives me a lot of peace of mind. It is rechargeable. So even the actual, you know, light is rechargeable. It's good to have a flashlight with you anyway. No matter what you're doing, this lives in my purse. You can turn it off so that it can't do that at all. But like if you are walking into a building, you know, or walking out of a building and you don't feel that safe, you can have this on your wrist, you can have it on and ready and your finger on the trigger just in case something happens. And I know that it's really hard to talk about that kind of stuff. But even like up where my daughter lives up in Washington, the police are on high alert all the time for human trafficking. And when she was younger, they would come up to her and they would say, you need to be with someone. Please don't go out unless you absolutely have to without a companion. So this is an extra piece of mind for every mom and dad out there and for every woman out there, I feel like even the man, I feel like in today's day and age, we need to have this kind of thing. Okay, now we're just going to kind of get into hair care, skincare, that kind of thing. Let's keep it a little bit light from now on. First of all, are all of you using Lumie Deodorant? If you're not using Lumie Deodorant, why not? A lot of people actually don't like the fragrance of these, but I have found a couple. I haven't tried this Bay Rum one, but the Twisted Lime is one of my very favorites and I like the coconut too. It does have a funky smell when you first put it on, but it dissipates so quickly.  I don't care wherever you want to put this stuff, you are going to be fresh as a daisy for at least 48 hours if it's really hot and then 72 hours if you're in the winter and it's cold. This stuff is so good and the tube lasts forever. And I buy all of mine off of Amazon now, used to buy from the company, but now they're on Amazon. This is so good. You can buy the deodorant. I don't because this works just as good to put a little bit in your hand and you know use it as deodorant. I talked about a little bit of lifestyle scary stuff. We might as well talk a little bit about smelly scary stuff and just talk about these. If you haven't tried it, get one. Try it. You will not be disappointed. And then I wanted to share with you. I'm so excited about this because I don't get things sent to me very often, but when I do and I really like them, they come straight to you guys. So this is from Pacifica and you know Pacifica is a clean beauty brand and these are their fragrances. Now these aren't like Oda Parfums. I think that they're pretty much just body spritzes. This is made in the U.S. in Oregon and it is vegan and cruelty free. I love that about their company and I love these fragrances. They are so summery and so bright and so cheery. And this one is Sunrise Moon. And by the way, I don't get anything by promoting this to you guys, but this is so lovely. It is a very, it's a very bright, cheery fragrance. Actually, both of these are, but this one has those notes of berry. I can't even explain exactly what it is, but these are like the spritzes that you get when you just want your body spritzed. You don't want a heavy perfume smell. And then the other one, Neon Moon, and I'll spray, well, I'll turn it and I'll spray it on my arm, I guess. I would say that the Sunrise Moon, now that I'm smelling the Neon Moon, the Sunrise Moon is a lot more of a day fragrance type thing. So you've got the citrus and the berry and that very light, airy smell about it, whereas the Neon Moon has a little bit more musk and a little bit more of that peppery sandalwood smell to it. I hope that that makes sense. Go look at the notes on it and see what you think about it. But these are so, so, so, so good. I really love these. And getting them off of Amazon, they come right to you really quickly too. So love that. All right, let's talk about this. This little gizmo I heard about from one of you. And I am thoroughly impressed. Maybe some of you already know what this is. This is a hairbrush cleaner.  Okay, if you have a gross brush, I mean, I have this brush. I adore these brushes. They were, let's see, I don't even remember who made them. But these were the best brushes I've ever had. And I cannot find them again. Otherwise, they'd be chucked. And then it says Cricut something. I can't even read the writing because I've like gotten all the writing off of it. But I like them because they're really domed right there. But these are filthy. And it didn't matter how much I soaked. It didn't matter how much I scrubbed with a regular brush. I could not get these cleaned. Now this isn't, this is gross because I've been letting this go so you guys can see this. Because as soon as I got this, my other one got cleaned immediately. So these are really heavy duty tines. And you can obviously brush the hair that's in there out immediately. And I, you know, I lose a lot of hair. So you can definitely get the hair out of the brush, which is great, right?  And I don't know if you guys can see it or not, but there is a ton of crap just dropping from this brush. And it took me a while to get my other one cleaned. But boy, howdy. I love this thing. This will get any brush, any comb, anything completely clean. And then I can go in and soak it in that water and then brush it and get it completely clean. But I was having a hard time getting those little tiny dust bunnies out of the bottom of there. I don't know if I'm just by myself here, it gets gross. And I like, I don't know if I should be putting that in my hair still, but this is the only brush I ever want to use. So I want to take care of it and I want to keep it clean. But yes, this is amazing. This is amazing for helping you to keep your brushes clean, your combs clean, no more residue.  And I think this is genius. This is absolutely genius. And I want to buy another one so that my daughter has one and show and I can show her. I just love it. So that's one of those things that I was like, yay, we got that one. And I really like it from real techniques. Have you guys seen this brush? It is so cool. And I always forget what it's called. It's called the Rebel Edge Medium.  This is the medium. I think this is so good because this is the perfect brush for laying down some of your highlighter. It lays down highlighter absolutely perfectly and will blend it out just so pretty. And I am not kidding. This is one of those brushes that's super soft but dense enough to lay something down and then you can blend it out really easy. I've fallen in love with this.  But anyway, this is really, really a good brush. I love the way that it's fanned and angled. This is the most beautiful lilac toned blush. This is called Wild Orchid. It's a gorgeous blush. This blush comes in a ton of colors, super silky. And this lasts on your cheeks for a very, very long time. Look at the pigment in it. Wow, right? Just gorgeous. And I think that this is one of those brushes that I fell in love with immediately. I love that they have all those different colors. The other thing that I think is so cool about it is that it is, it feels like a high end one. It is a little bit powdery. I'm not gonna, you know, not say that it isn't because, you know, the cream is all the craze right now. But I was impressed with the color range. I was impressed with how blendable it was. And I was also impressed that it wasn't $30 for a little teeny thing, which is what we're, seem to be paying these days. It's a little bit more expensive, but not much than drugstore. Now I've been making a mess right here on my hand because I wanted to prove a point. So this is one of my newest finds, which I'm super excited about. This actually came in a set of two that I bought. This is the Yes, I Do Remover Pen. So this is a makeup remover pen. It just looks kind of like a, you know, marker right there. No, you know, nothing major. But let's say you want to have that super sharp wing, but you don't want to have to put the tape on, like I show you. You can use this and you just go across anywhere. Do you see that? Look how that did. So good. It's super thin of a tape that you, or taped, tapered that you can use right there. So if you want to just really finely do work where you're really going out to the edge, but you want it to be really, really stark and really, of course, my hands jiggle and I can't do super stark, but that is so good. So you can erase any makeup mistakes you have. You can use this with the mascara mistakes you make. You can use it with, you know, if you get your, your lipstick a little bit too out there, you can use it to touch that up. But man, because of my shaky hands and the way I am, this is a lifesaver. Absolutely love this thing and use it all the time. All right. I want to talk to you about this because I'm super excited about this product. Do you live in a city? I have lived in cities my whole life that actually used chemicals in their water. Actually most water companies in any city will use some sort of chemicals to make sure that that drinking water is safe for everyone. Well, what happens with that is it can build up in your hair. And I knew this because when I get my eyes out, you can see little sediment of things fall to the bottom of your glass from the ice. That's what we're drinking when we're drinking our water. I know it sounds gross, but it keeps us safe. So this is from Color Wow. And this is the Dream Filter for Picture Perfect Color Pre-Shampoo Mineral Remover. It says filters out color destroying minerals found in tap water, that dull, darken, and distort color unveils brighter color. So you use this before you shampoo and condition and you just apply it to dry hair and completely soak your hair with it. Then you rinse it out, then you shampoo and condition as normal. My hair is so soft and I feel like it is so much brighter and so much prettier. I've always known about there being different minerals in water. And even if you don't have hard water, there's still minerals in your water that can, you know, change the color of your hair, especially if you spend a lot of money to go have your hair done and colored. You want to make sure that it stays that way. So this is great. This is a really good product. I can't believe how soft my hair feels now that I started using this. And then the next two are for nails. And I'm pretty sure I've talked about these before, but I've been doing my nails myself so much. And when you do your nails yourself, a couple of things happen. You inevitably get a nick in your nails or as you're using your top coat up, even though that is the one nail polish that you use up the most, you get to the bottom and it's so thick that you can't spread it across your nail anymore, right? Okay, these two products are going to save both of those. Excuse me, lacquer drying drops ultra fast. This is drops that I've been using to dry my natural painted nails for a couple years now. And I'm telling you, within a minute or two, you have nails that are great. Now, if you are somebody that has a tendency to put thick coats of nail polish on, you're probably not going to like this that much because you're going to go, well, that's a lot of hype. Well, don't do that. Make sure that you use thin layers, wait five minutes in between, then your top layer, wait five minutes, and then put this on. And then your manicure should stay on without any nicks and you'll be a happy camper. This one right here is, let's see, this is from Beauty Secrets and this is the nail polish thinner. So this has a very small little tiny dropper right there. By the way, I've had this for probably two years and I've only used that much, but I use it mostly in my top coats, like I said, but after a while, your regular nail polishes, they get thick too. You put like five or six drops in your nail polish that's thick and shake it up and you have like a brand new polish. That's how good this is. It really thins down the polish. So it's basically a paint thinner. So it just thins it down, makes it like new again. You can use up as much as you want to.  It's like tipping over cold honey. You can't make it come out anymore. Put this in there. It fixes it and you can use the rest of the bottle. Really, really like that. Now, let's talk about my shirt. I did introduce this in another video, but I wasn't able to talk too much about it. This is a color block shirt. I will put it right up here on the screen for you. It is a one shoulder or cold shoulder on one side, which I think is so much fun for summer. And unfortunately, I cannot link my jewelry because I got it at the beginning of the summer or I got it at the beginning of the season at Marysus and I think they're already sold out. And I've been buying my silk pillowcases because it's so much better for your skin and your hair. I've been buying my silk pillowcases off of Amazon forever. And I love this particular brand because it doesn't fray. I've had a lot in the past that after a while of being washed and dried and you can wash and dry these, which is one thing that I love about them. After being washed and dried, they would fray really easy. Well, this one has a zipper, which I love too. I think that's great. And it just keeps your pillow in there secure. And I loved this watercolor print. I wish I had a shirt like this. So pretty. They have a couple of different prints, but mostly they just have the solid colors. So I have a few solid colors and then I have this and anybody that doesn't know this, you really should have this silk. Even the satin is not as good as having the silk. Of course, the satin helps your hair to glide across, but this keeps you very cool and it keeps you very dry compared to having satin, which I have a tendency to sweat and I get hot at night anyway. So having the actual silk for me is a lot better than the satin. Now, let me show you a dress that I have and I'm not feeling the greatest today. So I'm just going to put the, you know, so you can see it up here. But I wanted to show you this adorable dress that I got. I love the print in this. The print is so pretty. It's sleeveless and it has an umpire waist. So it comes up underneath the girls. And that's usually my problem is I don't get to hide my tummy very well. But when I have an umpire waist, something on, it just does so much better. It looks so much better on me because of my tummy. So I love this. It does have pockets on the side. It is a maxi dress that comes to the floor on me and it just fits so well. I, it's stretchy. It's a lightweight fabric. So even though it's a maxi dress and, you know, you have a long dress on, you're not feeling like you're going to die in the heat because it's so heavy. It's not like that at all. I really love this. And when I got this, I went a little bit berserk and I found these shoes. And I am so in love with these shoes. Oh my goodness. Can you guys see these shoes? Everybody's wearing this like braided style that's kind of that almost puffy braided style of shoes. Well, these have the little kitten heels that they're probably about maybe two inches. They're not very high at all, which I love because yeah, I don't do heels very well anymore. But when I saw this cute little buckle embellishment on them, I was in love, plus in pink to go with this dress. I was like, oh my gosh, I gotta have both of those. Anyway, so I got these and they're comfy. They're super comfy and I'm really glad about that. By the way, I will link these little pads that you can put down in here. The ball of my foot is where I get most of my pain when I'm walking in anything like this. So I put those little pads down here to absorb the shock on the ball. It's like butter. I'm telling you. They just, they feel so good. So definitely take a look at this if these are something that you like. They had several different colors. I'm so tempted to get other colors of them because I just think they're so dang cute. I can't stand it. But yeah, they're such cute, cute shoes. And if they don't have a picture for me to show you, you're going to be seeing my feet in a picture right here. So hopefully that's not the case because I don't have great feet. All right, the last thing I wanted to show you, I may have shown this purse to you before, but I wanted to show it to you again because this is another one of those hobo bags or the, what are they called? Satchels. I don't know exactly what they're called. But I love this purse with all of its embellishments. First of all, it's purple. Lights out, mic drop, purple purse. I love that. I love the silver accents on it. I love that it has all this little detailing on it, that it has these little side pockets that have the little clips on them. It has a back pocket for the same thing. And then inside it has two pockets, which I like two because I don't like to have too many pockets, but I still want to have options. So it has the zipper pocket in the back. See, and you have the big pocket. Sorry guys, I have a couple toothpicks and some saline solution in here from before. And then it has the two little pockets right here for your sunglasses and your cell phone, if that's what you want to use it for. You guys are learning really quickly how much of a bag nut I am, but this one comes in a ton of colors too. I had to fight myself to not go get this one. I think there is a pink that would have matched this outfit right here. I'm still debating on that. I still might have to go get that. So that is the last product that I wanted to show you. I think that's everything. Oh shoot, I have one more thing. I found out about this from Laura Ray on Laura Ray's Beauty. She showed these and this is a set of, I can't remember how many are in here, but it's a huge set from Do Care of brushes, makeup brushes. Look at these makeup brushes. They are huge. This is such a huge collection of makeup brushes. Oh, by the way, do you remember me doing my tutorial very recently with the angled shader brush? It has that brush in here. I love that. Okay, and a lot of these brushes are just exactly what I've needed. This is an angle contour brush. So, you know, go in this area and then be able to buff it out. There is some foundation brushes in here. I love, I have to put these down or I'm going to drop it. Okay, so this is their normal, this is the nicest one. That's the biggest one. And then you have this one right here. And then you have that one that I was telling you about. By the way, there are two sides.


If oxidizing glucose to produce energy for our bodies is so messy, creating free radicals the way cars burning their fuel produce combustion byproducts out of the exhaust, even if we're just idling, living our day-to-day lives, what if we rev up our lives and start exercising, really start burning fuel? Then we create more free radicals, more oxidative stress, and so need to eat even more antioxidant-rich foods. Why do we care about oxidative stress? Well, it's implicated in virtually every known human disease, and there's an increasing body of evidence linking free radical production to the process of aging. Why? Because free radicals can damage DNA, our very genetic code. Well, if free radicals damage DNA and exercise produces free radicals, does physical activity induce DNA damage? If we don't have enough antioxidants in our system to douse the free radicals? Yes, in fact, ultra-marathoners show evidence of DNA damage and about 10% of their cells tested during a race, which may last for up to two weeks after a marathon. But what about just short bouts of exercise? We didn't know until recently. After just five minutes of moderate or intense cycling, you can get an uptick in DNA damage. We think it's the oxidative stress, but regardless of the mechanism of exercise-induced DNA damage, the fact that a very short bout of high-intensity exercise can cause an increase in damage to DNA is a cause for concern. But we can block oxidative damage with antioxidant-rich foods. Of course, when drug and supplement companies hear antioxidant-rich foods, they think pills. You can't make billions on broccoli, so pharmacological antioxidant vitamins have been investigated for prophylactic effect against exercise-induced oxidative stress. However, large doses are often required, and in pill form may ironically lead to a state of pro-oxidation and even more oxidative damage. For example, guys doing arm curls taking 500 mg of vitamin C appeared to have more muscle damage, inflammation and oxidative stress. Well, instead of vitamin supplementation, how about supplementation with watercress, the badass of the broccoli family?  In the control group, without the watercress preload, which I imagine would describe most athletes, with the amount of free radicals in their bloodstream at rest and after exhaustive exercise, which is what you'd expect.  Even better. You end up better than you started at rest after the watercress. You may start out with fewer free radicals, but only when you stress your body to exhaustion can you see the watercress really flex its antioxidant muscle. So what happens to DNA damage? Well, in a test, too, if you take some human blood cells bathed in free radicals, you can reduce the DNA damage it causes by 70% within minutes of dripping some watercress on them. But does that happen within the human body if you just eat it? We did. No, until recently.  But if you've been eating a single serving a day for two months, your body's so juiced up on green leafy goodness, no significant damage after punishing yourself on the treadmill. So, with a healthy diet, can you get all the benefits of strenuous exercise without the potential risks? We know regular physical exercise is a key component to a healthy lifestyle, but it can elicit oxidative stress. To reduce that stress, some have suggested pills to improve one's antioxidant defense system, but those eating more plant-based diets may naturally have an enhanced antioxidant defense system without pills to counter-exercise oxidative stress due to the increased quantities of plants. Remember, plant foods average 64 times more antioxidants than meat, fish, eggs, and dairy. And on top of that, the animal protein itself can have a pro-oxidant effect. But look, anyone eating sufficient quantities of whole healthy plant foods could plausibly reach an antioxidant status similar to those eating vegetarian. It's not just about what you're eating less of— saturated fat and cholesterol— but what you're eating more of, the phytonutrients. Whether it's about training longer or living longer, we've got to eat more plants.