Welcome back to the Dragon Ball Z vs Naruto Mugen Draft series with me and my friend RhymeStyle. Up on your screen right now you can see the teens and the standings as to what characters are unpickable and what characters are still left in the game. But with that said, Rhyme actually gets to pick first as he did lose in the last video. Shout out to Atachi Rhyme.  You know what? We gotta go with Goku Black. He's a fan favorite. He was one of the best sports of Dragon Ball Z. Give me Goku Black. Hey, I lost. I lost. That means I get to ban a character. Yeah, but who are you gonna ban, bro? Who are you gonna ban?  You're not getting the guy I want. I'm gonna go ahead and ban Orito because I remember in the last episode you were hovering over him. You were hovering over him. Damn, it's because I was gonna pick him this time, man. Oh, you're on it. You're on options here. No, I'm not out of options, bro, because I still have the... Bro, I can't remember what... The Kaze Kage Gaara, bro, or Rock Lee. I'm trying to decide if I want... I'm gonna throw Santa in my eye. I know I don't want to use Sakura right now. I want to use her later, for sure. Well, we can get Pink Hair versus Pink Hair.  You gotta spin. You actually kinda spin. I'm doing it. I'm actually picking Sakura for this fight. And she has a mastery of Taijutsu and healing. I think she might actually blow Goku Black out of the water. Perfect. I knew he would fall for my trick. I left a mouse on the screen during the character select process. I'm gonna slide it off slowly so he doesn't notice. I think we're gonna go to Attack on Titan map. Now, Rhyme, your most popular video is from Attack on Titan. Is it not? Yeah, yeah. No, that's a long, long story. I don't know why that video banged as much as it did, but yeah. Bro, honestly, we should play that game. Oh, look at that intro. I want you all to know, I had $95 in my account. I ordered that game. I had it imported for $80, which means I... Damn. Yeah, no, I went broke for that game. Oh, what? Look at that air dash fight. Bro, do anything. Yo, Sakura kind of got combos. Back dash? I would love for Goku Black to do anything, but we'll just stand there. I'm mad. I say this every episode. I'm mad. I took on this series and was like, Yeah, Team Naruto actually does have a chance of winning. And then you super dashed on me and I was like, I can't do that. All right, Goku Black got some combos. Bro, why are you so saucy? I got kind of nervous because I'm like, he's not doing what like Goku was doing. I don't know.  Nah, why does he, why do all of his combos look so dreamy? Wait, wait, wait, hold on. I saw the funniest like ad this morning. Yeah, go ahead. What's the ad, bro? Keep going. So, TikTok for some reason threw in an AI ad, but they're like trying to promote like waifus. And they're like, we have every anime waifus in Sakura. And I'm like, Sakura was your go-to? Bro. You can use anybody Sakura was your go-to? That's because Sakura is her, bro. Healing Jutsu, punch, punch, charge up. That'll be broke. Nah, she probably can. She has the thousand healing marks, except I don't know if she's ever going to get it off on Key Blast City over here. She like sends a B to me right now and just like goes full health. I was like, I hope you do cry, bro. I actually have not seen Sakura in this version of the game. You probably would have never picked Sakura to begin with. And I like my scan like backfired on me. Oh, there you go, Goku Black. I feel like she's got to be healing, bro. Like she has to have one heal move. Maybe it's her level three. Oh, there we go. That's it. Oh, dear God, Sakura.  Dear God, get on. Look, look at the old key. Nah, you're trash.  One more super. What is it?  Oh my God, Winston. Crash down. Why is this height? One more combo. There we go. No, no, no, no, no, no, no, no, no, no, no, no, no. Stop charging. No. Why are we charging? Why are we charging? Level three. That's going. She's healing. She's healing. Yes. She's healing so slow. What's happens? Please finish it. Oh, you gotta be kidding me, bro. You've got to be kidding me. Anyways, I was free. I was free. I was free. You're telling me that was her thousand healing Jutsu. Bro, she started healing like one health a second. I don't know. Could can't can't relate. I care to it just better. Like she got to ask me, bro. She didn't have a chance. Your character was just spamming better. Crash down. How do you hit me out of that? Okay. Sakura was a mistake, bro. What do you mean? I saw the thumbnail in my head of Goku Black fighting Sakura. I was like, this is going to be so high. Oh, no. I don't know that they didn't give it Sakura any respect in this game. Well, I just know last time you had a female character in a fight. It was kind of like it was with Del getting beat up. And I don't know. That was not like a controversial thumbnail paper bomb. Finally, the counter. Where did she go? You know, they got her in Moonshoes. Why does she have hands right now? Hold on. Wait a minute. Actually, she does have a pretty good health lead. Goku Black is not as cool as I thought he's going to be. What do you mean? He's got some animations to him.  Yeah, sir. I'm here a little. I have a comment. I mean, how bro? I did no damage. The healing Jutsu literally does not matter. I am healing some damage. Bro, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa. No way. No way, bro. Heal it. Sock or heel. Yeah, that was just a heel. Is this not? But the thing is, I still have the healing Jutsu on broad. I'm still healing as we're talking. It doesn't matter. It doesn't. Yeah, I know it doesn't matter because you lose. I don't. Come on. I do not watch. You're trash, bro. Square square. By the way, again, we're not actually controlling. This is these are poppies. Every time. I don't know why you feel that he does it. Why did she dash back, bro? Because I don't know what we don't say. People are going to be like, damn, they're good at this game. So I let him think that, bro. No, no, let's go with one HP, bro. You know how embarrassing it is to have a close match when I was healing the whole time? That means that I was just getting ramped out of. I got a D. Damn. Come on. Come on. He's doing like don't let me start the healing Jutsu already. Never mind. Why is soccer wasting our energy? Beam.  Why do all your pets do so much damage to snake in the last episode, not a slug? You ever heard of the three way deadlock, bro? It's called a summoning Jutsu, man. Look at the damage. Why is he just spitting that? I know I can destroy galaxies. Look at this. You mean tell me that this does less damage that beam? Yeah, bro. It's just a beam, bro. Mine's a slug with acid. Now charge up. Soccer. Do the healing Jutsu. Actually, please block armor break. That was sick. Armor break. Yo, can we get it? Can we get there we go? Tumbles. Dive cakes. Damn. That's combo. What? All right. That was good damage. Do the healing Jutsu. Start healing a little bit. No, no, no, no, no, no, no, no, no, no, no, no, no. Please, please, please, please, please, please. Finish it. No, don't heal now. It's way too of God. Beam to be a slug summon to to one. We actually have a lead. This is unreal. I'm going to hope that that I'm going to wish that that was me who got hit by the slug rather than my my pixelated character. Yeah, bro, because if you lose Goku Black to Sakura, these comments going to get you, bro. There's somebody out there that's invested in this series, bro, and they they demand better out of you. I demand better damage. Bro, did a whole beam and then nothing. How's the slug doing more damage? It's a slug, bro. It's acid. Even the snake did more damage. There we go. That's perfect, bro.   Sakura, high speed, high speed. Combos. Damn, look at the HD smoke. That did no damage. That's actually no damage, bro. I'm still losing damage. Bro, why am I still losing? There we go. Mash, mash. What a doubt. Mash it out. I remember Goku Black. She said, God's our trash break. How many times is my t-shirt going to come off? How many t-shirts am I going to lose? I'm mad because Sakura was mashing there. Look at the stop mashing Sakura. Damn. Okie. What? Okie. Now those wake up invincible. Like, you have just five MN fighters. I swear, if Goku Black loses his fight, I'm going to lose my mind. You should, honestly. You should willingly lose your mind. Perfect, perfect. Stop. Dear God, why does Sakura mash all day every day? There we go. Because sometimes it works. Stop mashing. Stop mashing. Sakura. There we go. No, stop. Speaking of mashing. No. 2-2 comes down to the last fight. I'm mad that you're just, I don't think Goku Black really is earning any of these wins other than the fact that Sakura is terrible at the game.  I know. She needs to spam her like actual good moves like slug or the dive kick is so disrespectful. We need more slugs or we need more punch it like the punch on the ground that does three or counter juicy. I'll take it. It's a counter? Ok. Yeah, so it's no combo though. And honestly, Goku Black is kind of saucy in this game. I like that. Nice blocks, bro. They make it for men? Do they make that defense for men? Sakura, let me let her have something. Bro, get some key back. Damn slice. You need it. Mash, mash. Damn. See that move hits for a decent bit of damage. Bro, here we go. And there goes my goggles. Again. How is this fair, please? There we go. Mash. Can you mash better, Goku? No, no. Keep your distance. Let's do slugs. No, no. Why do you do so much damage? Why do those little weak-ass keyblasts do so much damage compared to everything else? Bro, I need to see some slugs, bro. I need to see some slugs. There you go. This is so wack. I think this is going to be free. Yes. Yes. Free. Like what? I'm like one combo away. One combo away. One combo. There you go. My guy. My guy. My guy. Why didn't, bro. See, this is what I'm talking about. But Dragon Ball Z characters are down and out. They just spam keyblasts and darts of characters can't deal with it. All right, you got one game, bro. It's one game. It's one game, bro. It's about to be two. It's about to be two. There has to be something more that Sakura can offer, bro. It can't just be a couple of punches, a couple of kicks on a slug. It has to be like she has some hidden three-tier Jutsu that she's going to unveil right now. Because this is it, bro. If you win this set, she's cooked. She's out. Stop. What is this, footsies? I was just going to say, actually, I was going to say because I looked out. Oh, started the healing Jutsu early. Love to see that at a Sakura today. Oh, but big combos from go-to-blad. We got the combo. I feel like his combos are not as cool or damage-length-wise as, like, Goku. Um, no, I don't think he has that length, but he has instant transmission. He's more mixed, bro. You mean my three hits, bro? At least you can do five on a good day. Let's do it again. Let's do it again. Keyblast. See, I think he's at his best when he's actually spamming those keyblasts there. They do a lot of damage, too. Oh, and a good slice from go-to-blad is well.  Listen, I'm kind of done talking to Sakura. She needs to do it on her own. I'm just commentator at this point, bro. Like, I've got no size. I don't even know why she would opt to use that move when the other move gets her so much more space in a match. Keyblast, here we go. Nah, stop charging. You can't charge in the middle of the stage like that. Level three. dive kick. What a hitbox. Disrespectful. Disrespectful is right. Stop spamming. Why is this damage? Double jungle. Sakura, dear god, you're selling. That's my guy. That's my guy right there. Bro, why did I bet on... What is with the counter GZ? Oh, good answer here. Bro, one more time, one more time. Just mash, mash, mash. There we go. That's OTG. OTG. OTG. No, no way. No way. No way. Oh, I was about to be sick. I was about to be sick. I was about to be sick. God, damn it. We're down a round in the finale, Sakura. Clutch up, dear god. Good. Let's be down another round. All right, going into the second game here and what is possibly Sakura's most important fight of her life. Possibly. Anyway, possibly, bro. Mixed her in a corner again. God, damn. She's never been good. All my... At some point, if you're a fan of Team Narth, you've got to wonder when enough counter hits is enough. Sakura is clearly mashing on every wake-up opportunity. And just getting taken advantage of. She needs to get three bars to start this healing process. I think you need to do some damage to start anything. And there goes the T-shirt, folks. There goes the T-shirt. Forget about having the T-shirt can wheeled out during the event. Like, it's... Sakura's using up all the T-shirts from the backstage. You may want to grab Sakura and be like, hey, maybe like try to wake up blocking.  No, you're really right about that. She is... She is not... I don't even know if she knows how to block. Well, I can tell her fairer to episode is Popovitcher's Videl. I just point because she's reenacting that fight like crazy right now. I'm sick because she is literally a medical ninja that has the only medical technique that heals them and allows them to go to the front line. So she's lived her entire life not needing to block. She needs it now. She desperately needs it now. If she was a medic, I would put my medic in your mouth and just win this next round and call it a game. Goku Black, one win away from eliminating Sakura from the Naruto Tournament. This could be another sweep. But Sakura's not going to allow it to happen, surely. She jumped in to get her axe. Yeah, I know she did. Then she got shot at six times. Boom! That's probably her best move. And that's her second best move. There's the slug. There's the slug. Notice how without the slug, what she hasn't been doing it, she's not doing it. Yeah, no. Listen, I'm fully on your side. I think if she used both of those supers more, we might be looking at a difference. Please stop waking up, Mashin. Please wake up with anything else, Sakura-bot. Look at the combo game. Look at the combo game. Bro, what combo game? Bro, it's just straight hits after straight hits because Sakura can't block. Well, you know what to say. Play the game. Her counter-super isn't even a guaranteed hit. Play the cards that were dealt to your hand or whatever the phrase or saying is. Oh, wait. Re-stand. Hold on. Can we get an ultimate? I think Goku-bot can do anything other than pressing square. Bro. Oh, my God. That move doesn't even, that move doesn't even fully hit in the corner, man. She is true. There we go. You didn't have to waste all that bar, but you did. Oh, wait a minute. Oh, come on, bro. Wait a minute. We might get around. We might get around. No, you're not. Don't give up on me, man. I've already kind of given up on myself. What? What do you mean give up? I want to give up on... Never mind. See, Team Naruto, that is the super we want to see more. Please do that more, Sakura.  She's got no defense. Block. Goku-black, you just finish it. I'm trying to go home, bro. Oh, damn. He took it seriously. Yeah, that's what I'm talking about. That's my guy right there. Bro, why did he take it? It was on site after you said that. Alright, Sakura, we've come back from worse. How do you dodge that? We've come back from worse. Yeah, bro.  There we go. Speaking of defense, you should probably let her know to do that as well. Yeah, I definitely should... What's he like seeing another main character die? Yeah, it's not my best day. Sakura's Jutsus are all terrible. You would think in exchange she would have more attack damage. But this has been a mismatch from the very beginning. Yeah, well, hopefully Tachi can get you out of the... Bro, why are you talking like it's over again? It's over. Look at the health. Yeah, please don't wake up. Thank you. You don't have to perfect me around to get the game. No, no. It's not game. It's not game. I'm not shaking no hands. Sakura, do not make me shake this man's hand.  Shake my cock, bro. No, wait.  It's not over till it's over. It's over, bro. Sakura, why'd she run up again? She really ran up and got backhanded. Look, you didn't even have to play defense, man. You literally didn't even play defense. Yeah, I didn't need it. Anyways. That was the saddest episode of the series, bro. I am a Sakura fan. I picked her when every other internet comment would have said, don't pick Sakura. LOL at OMG. Bro, technically you weren't going to pick her. I gaslit you into picking her. But yeah, I know what you meant. I know what you meant. But yeah, but she was going to be like, I was going... Whatever, man. She failed me, bro. Maybe I'm going to make joking comments on the internet about Sakura now, bro. She lost a fan. She lost a subscriber. Well, hopefully you enjoyed this in the next episode. I am facing... I'm getting dangerously close to elimination in this series. So we need a miracle for Team Naruto coming up soon.


I won't go in at great lengths to the importance of saving the forest because all of us here believe in that. I strongly worry about climate change and I am very committed to the need for re-growing and saving and regeneration of our forests. As a student of economic governance and policy, I am also deeply concerned that some red policies be adopted with great care. I'm a supporter. I want to see it happen. But we have to be very, very careful about the way we do this to ensure that they do not facilitate more deforestation and degradation rather than less. A group of us have been engaged now in a large interdisciplinary project of the International Forestry Resources and Institutions Program. Ifri, my colleague Bernie Fisher, sitting here in the front, has been working with us as a forester. So we are really an interdisciplinary program that blends social science and biology, ecology and forestry, I think very effectively. We're working with centers in Bolivia, Colombia, Guatemala, India, Kenya, Mexico, Nepal, Tanzania, Thailand, Uganda, and the United States. And we have new centers being started in Ethiopia and China. Forestry is unique among efforts to study as forests as it is the only interdisciplinary long-term monitoring and research program, studying forests owned by governments, by private organizations, and by multiple communities around the world. As we know, forests are particularly important given their role in climate change and carbon sequestration and saving biodiversity, and their contributions to rural livelihoods. Recently, over the last 10 years or so, a very favorite policy has been that the way to save forests is create government protected areas. And we've taken that seriously, and among many of the sites we've studied are government protected areas. And one of the studies that Tonya Hayes and I recently did several years ago was to look at the rating of forest density in a random sample of forest plots in 163 forests. Those 163 forests included 76 which were government owned forests that were registered as legally designated protected areas. The 87 other forests were government forests for harvesting, private forests, community forests, just a whole array of other kinds of forests. We found absolutely no statistical difference between the government designated protected areas and all the other kinds of forests in terms of forest density. We did find that whether local users could make some of the rules made some difference, but protected areas, we found no difference. We've also examined Gibson and Williams and I the role of local communities in monitoring behavior. And I'm going to be talking quite a bit about monitoring and the willingness of local communities to watch each other and if someone's in the forest that they don't know who are you or if they're there on a day that they shouldn't be. Did you forget that Wednesday is a day we're not going to harvest or any of the other things that people in a community can do with one another or if it's someone outside how to get officials to get them out.


Hello everyone! Good morning, good afternoon, good evening, irrespective of where you are connecting from. Thank you to my wonderful host, right, Moussindar, that's so, so, so smooth, right? I love that. So thank you. Thank you. With always too much of our time, right, I see once again a very big welcome to everyone of us and welcome to our webinar, which we usually have every Thursday of every month. Okay, so what are the things we'll be doing today? So we just go straight to the point without wasting much of our time. Understanding how business generates revenue, irrespective of what you do, irrespective of the business or businesses that you do, definitely revenue is key, revenue is key, right? Yes, business is all about you generating income, right? You generate that income, you need to manage your costs efficiently so that you have that good profitability standard. It's not all about profit. The finance guys are always more concerned about the cash, those free cash that comes from the business because everything is all about money, money, money, so that cash element is very important. So you understanding how business generates revenue? Because revenue is actually the umbrella of every business. Give it or take it. Even an NGO of establishment also need income, right? So revenue is like the umbrella because if anything eats, that's your revenue. The business is gone. Everyone is eating from the revenue and component of revenue, we kind of tie that into what we call drivers in business and financial modeling. Financial modeling as the whole is all about driver. What is driving this line item? What is driving this line item? We want to focus on this. What can I use as a biz, right? So then we come with our games, prizes and demo. So let's take a look at it. As I said, you understanding how business generates revenue is very important. Someone give you a job, a task to do that. Please, can you build a model for me? The first thing you ask, how will you be generating revenue? What are the strategy around it in generating revenue? I think tech is more like, but having his own stand now, right? As my colleague mentioned, and it's really taking over and there's one power in what is making them gain grand and having that value, having that huge valuation, right? So those are the things we'll take a look at today. So when you hear anything like components, right? I'm quite sure of some people that have listened to my presentation. We always understand how I try to explain things. Components, anytime you hear anything like components, it's just saying what are the one or two things that we just need to put together before we call this thing Disney. So if I ask you what are the components of a car, definitely you're telling me, you must have your four tires, right? I know we have three with tires, we have two, right? But okay, we have four, you have your windscreen, right?  Those things must be put together before you call it that name. Now let's relate that to we say component of revenue irrespective of the industry. I mentioned, I'll repeat that, irrespective of the industry, irrespective of the business canvas or your business model that you operate, you must always have price and quantity. Take it or leave it.  Are you selling plakaton? Are you selling per unit? Are you selling in pieces? Then the quantity, total quantity, total unit that will be sold or that will be sold at this particular period and you multiply by each other and it gives you the revenue.  What is our quantity? Definitely price average revenue per users and the quantity is the total subscriber that we have multiplied. It gives you the revenue.  Then you multiply by the total production. You go to banks.  Because those are the things that you need to understand. So for banks to generate revenue, focusing on their core business operation, definitely, oh, what's the total loan that they've given out, which comes with quantity, right? Total loan that has been given out and what is the yield that was charged? But like what's the interest that was charged on each of the respective loans? And that will give you their revenue. So as a modeler, first thing you need to understand, how is this business generating revenue? Right? And that's more like what is what really drives the business. Understanding how business generates revenue, they said, and that kind of tie into how you approach building a model. When people really get stuck, when it comes to less viewed industry based model, right? I have a colleague of mine that was relieved of his duty a while ago, spinning modeler for the past four years. Then he's going to, they just went to another company, industry, right? They gave him, can you be the model for us, which is a bank? And he got stuck. It was funny, right? It's not that he does not know it because he actually did not have that knowledge of this basic thing. So kinds of model. And how do we approach that? As I said, ask, how is this business generating revenue? And that will guide you into you knowing where to start the model build from. Most businesses or most business or businesses, they are more of profit or loss driven, which means the line item that drives the old business operation can be found in their profit or loss accounts. So you see that cost of sales, let's say for a manufacturing company, cost of sales, that's where you see their open stock, their raw material purchases, their inventory, the unit suit. So which means the more unit they sell, the more revenue they can generate. So which more, like we call it top line item. So that revenue and cost of sale is what really drives the old business, right? And there was this school of thought that I said, yes, measure, when we do our ratio calculation, we measure everything against revenue. But we should always remember that cost of sale more like unavoidable expenses that we must incur before we generate that revenue. So if we have our gross profit, we should be able to also measure everything against gross profit. So management accounting, we call it contribution because that's what is left for everyone to eat from. So which means most businesses are profit or loss driven. And the other one is balance sheet driven. So most financial institutions are balance sheet driven. For example, a bank, how do they generate money? Let's look at the true map of it. You take your money, you take it to the bank as savings comes under their liabilities, right? Which means to start the build for that kind of business, you need to start from what's the liabilities. How many customer we deposit at this particular period? One, right? What is the average deposit per each of these customer? Then you multiply that, it gives you what you have as deposits and savings in their liabilities. Then they now convert that savings, they convert it to assets which becomes the loan and advances that they now give out. On which they now charge that yeet or some quality interest rate to now go back to their profit or loss account, which means most of their line item in profit or loss account, they depend on what they depend on balance sheet. So which means to build a model for a bank, you build up the balance sheet first. You don't start from profit or loss account cost, interest income, interest expense, impairments, right? Which other, which other those fees income, fees expense, they rely on those two guys, right? And you have some investment security that they also do.   Though there are some companies that they are more like in between and a little bit balanced, right? But that will be a discussion for another, for another day. Now, as I said, what is all about drivers want to focus this thing, you're asking what are the things that can drive this. So let's say for example, I want to focus my revenue and I'm asking what are the components of this my revenue, what must I have before I can get this guy called revenue. So you can have your price, right, quantity and above all capacity is one thing. If you have a platform that can only take 1000 subscriber, then it does not make sense when you are forecasting that we generate revenue from 1500 subscriber without making provisions to expand your capacity demand, right? This is one like, you know, taking it a step further into the economy, right? If the purchasing power is high, then they tend to sell more, right? Grotes for startup is only easy to break things down into price quantity. But when it comes to mature company, right, might be difficult to break things down. So such we use what we call goods. Now competition is one, if your business is so, so good, right? If it's so, so good, then expect competition, right? Because they would also come into play. So those are the things. So you want to forecast your cost of sales as a set revenues like the umbrella of every business. If there's a case where you really cannot break things down, you can set cost of goods to as a percent of our revenue, right? If you can break things down or the cost by this unit, how many units, right? Factoring the inflation, which kind of take care time value of money. Go straight to the next one, our selling general admin excesses, which we also call our operating costs. As I said, almost every line item can be set as a driver to your revenue, right? Now remember that revenue must be more like the key driver of the business, right? So if you can break everything down into each cost, monthly cost or salary, you can also do that. Inflation, time value of money, the competition and you wanting to expand, definitely if you're expanding, you then also have to do what to incur some operating expenses. Now depreciation, so these are more like the line item that you can have in a profit or loss account. Depreciation, you know, if the company does not have assets, definitely there's nothing you are depreciating, right? Fixed assets, what is the depreciation rate or what is the asset life span? For the net finance costs, right? Are they making use of loan financing? Do they have overdraft? What is the rate on it, right? What is the cash investment? Are they investing some of their then for the tax we are saying is their profit before tax and what is the tax rate, right? Keeping everything, everything being equal. So let's go straight to our demo and what I want us to do today is this. Are we as much as possible to be very, very detailed and if need be for us to have the part two of this. So I'm going to start with the black excel, black excel, right? I could have decided to start with a module, but I decide to keep things simple. Let's keep this simple. Let's keep this simple, right? So let me just create a sample. Let me create a sample templates, right? So when I did in my module, I don't usually like seeing this this line. I don't know why. I always like it to show like our white paper, right? So let me keep this, alright? Let me just keep this. So let me just create a sample, just a sample, a simple template so that we can build everything from scratch and we carry everyone along. So let me say what's the name of our company. Let me call this the brand, the brand tech limited. Nobody is using that name. Just, just a generic name. Anyone want to suggest a better name for us? So let me put it in this color, right? So what do we do? Let's say, what do we do? What do we do? Anyone? Anyone? So loan offering. So they don't usually call it loan offering. Let's say we are offering cash support, right? Cash support. Cash support to individual. You know this kind of right word that you need to use when you think about business strategy. So I think this is fine. So let me put this as the brand. So cash support. Is it to individual? Okay. Cash support to individual, right? I'm just trying to create something. So let me call this description. I put this as my description. Let me make this my unit. And here I can have some of my inputs come here, right? And let me say I can have my road to Tahir as well. So let me reduce this guy a little bit. So let's say our period. So let me just type, let's say 31st December 2021. So let's, let's just, yes. Don't worry about it. So let me just do this plus one, right? We'll put this into date. Then here, I really don't want to add code. Well, okay. So let's just keep things constant, right? Right. Forgive me. So our standard is saying we should never add code in a formula. But month, let's put this as 12, right? So minus one so that I can give us the end date. I think this, this can still be forgiven if you type 12 like this. 12 will always be 12. All right. Unless you want to convert the model to maybe really also to quarterly. Okay. I hope the date is correct. First to December, first to December. Okay, great. Then let's extract the year. So let me use my year function in Excel. And let me, so I would like to make this appear like this of financial F and F. Yes. So don't worry. All right. So let me put this as period count this plus one. Like I have this, right? So let me keep this constant. So if I scroll down, down, down, down, this is a student, right? I'm not a friend of multiple colors. Right. Let's, let's, let's just, let's, let's, let's design this a little bit. Okay. I think this is, this is good. This is just a sample template. Just a sample template. It's just a sample template. Okay. So let me now duplicate this. Let me duplicate it. That worksheets. Please, in case I'm doing something and yeah, I'm very fast. Don't mind me. I don't know where I'm always this fast, right? Because we can always ask questions and I can refresh back. So let me call this my input. Right. Let me call this my calculation. So let me call this my calculations. And I'll call this my, what? Let me call this my outputs. So outputs, component of our model. Basically, we need our inputs, your calculation, and our outputs. Right. So, so let's work with that approach. So here, let me put this. Right. So, so let me call this assumptions. So it can always be creative when you are building your own template. It's not massive views. They kind of follow this. Right. You're allowed, you can be very, very flexible. So let me call this calculations. Let me call this our, so let me just copy this time. Right. Let me call this our output. So I always encourage, anytime you want to build any module, as long as good it starts afresh. Yes. Yes. I'm not a template modeler. I prefer to create my stuff. Right. So from onset to now, let's first, let's assume a business case now. Right. Let us say we want to, so we want to create our revenue components. So let me call this our revenue, new components. So under my inputs, let me put this at this time. Right. Well, before we do that, this is my calculations. So I want this my calculation to be monthly. Right. And not yearly. It's always good whenever you are building a module for a startup to always make it a monthly module. It's kind of telling you all the story about that. So this, instead of having this 12, I'll just make it a one month. So it's one month period. Right. So I actually need 60. It was five. Yes. Multiply by six. Okay. Five years multiply by 12. They don't mind. This maths everything. So I need this. So I've just come equal to last period plus one. Remember, this is a calculation work. It must not have any input. Then let me just try and count 60 period, 60 period, 60 period. So I need like 60 period, 60 months. Okay. Let me just copy that. Okay. Now I have this. Then I cannot go ahead. Left to right consistency, which is what our financial modeling standard is saying. Dude only for period one. Right. I just copy everything. So I'll just copy this up to the 60 months. Let me open up everything. Right. So December 31st, 2026. That's the same thing we have in our yearly one. Okay. All right. So do it. I can always consolidate this into yearly model. Right. So what I'm going to do now is I will now close this my Excel. Okay. So by the time I put a formula in year one, I can always drag it for the 60 years. Even if I have 10,000 years, the standard is saying left to right consistency. Do this in period one. Then copy it to the right. So let me just do this and let me close it. We can right click. Right. And click on this hide or use the shortcut about that. That's, that's, that's, we can always learn about that. So that's what we have for our calculations. Now, let's think about our assumptions. The set is a fintech and what they want to be doing is they want to be giving out. So, so, so, so let's first understand how the business work costs as a modular. You really need to understand what this business is all about. So let's assume what we want to be doing now is want to be giving loan to individuals. Right. And the way we are going to approach it is this. Everything being equal, as I said, you can be flexible and the team does for the purpose of this model. So we will try and restrict it to some certain things. Let's assume we want to be giving loan out to people and our source of loan would be so the platform will actually be taking care of two things. You can actually save on the platform. Right. And you can also borrow money from the platform. So keeping it's everything being equal. We, our total loans that we can give out will be dependent or we depend on our savings. So which means if we have like 100 million savings from people, our platform, that means we can give out loan up to that 100 million. But the next thing you need to ask is this. We need to make provision for people that might want to withdraw on the platform. So which means we really cannot give out the whole 100 million out as a loan. We need to make provision for some. Right. So let's take it. Let's start. So let me call this our savings assumptions. Right. Let's call this our savings assumptions. Our savings assumption. We can call it savings imputes. Our savings imputes or savings drivers. Our savings imputes. And let's first start. Before we even go here, we are missing out something which is more like the main driver of the business. Users, some call it a customer. Right. It always, it always, it always users or customers. Right. So this one, let's call this our users. This imputes or maybe users drivers or so. So first thing we need to understand is this. We need our base users. Right. So there's something we call base users and there's something we now call active users. These tools, they are very, very important. Right. Most time is not about the number. Yes. You can have like one million users on your platform. What if maybe just 5% are actually making just 5% are actually active. Right. Which means the business actually generating revenue from them. So let's start. So let's say our base users. Let's assume for the base period, we can, so let me put that here. So I think this should be number. Right. This should be accounts. Let me just use this as number. So remember, we created a unit column here. Your module must have all these have this unit column. And here, I'm just put this as imputes. So let's say, okay, no, the addition of the imputes. Let me make this just one unique front. Okay. This is fine. So let's say they can start with, let's say just 500, 500. Right. Then how will this grow? How will this grow? So let's have a monthly user monthly base user growth. How do we expect this to grow month on month for respective periods? So I'll need to put that in imputes. Our financial money standard is saying whenever you are building your model, the model must always have a very clean and clear a description of what's each values in your model represents. Right. So someone would know that, okay, anything I see in this format, your list have it in impute because I was in hurry normally supposed to create that menu guide, right? Star guide that kind of give description. Anything you see in this format means impute. Anything you see is linked from another seller and all those things. So let's say monthly base groups. So let's say for year one, throughout the month, let's say they can have, let's increase our user base. Maybe we can say with 5%. Following period, let's say with 12.5%. Then the other period, let's say 10%. Because when you get to a level, when a business gets to a certain level of operation, their growth seems to slow down. That does not mean the revenue is decreasing, right? The truth is there's no business that actually grow on a straight line growth percent. I'm not saying yes, revenue can be decreasing, but the percent difference is not always as high as that. So this, let's make this 5% and for the last period, 2.5%. Right. So let's even calculate this. So we will be taking it one after the other. Let me go to my calculations and let me call this our users, our base users. So base users, let me just call this calculation. So I always try to maintain that two endings. Let's just make your model navigation easy. Yes, there's nothing special about this. So base users enter, right? Copy. We have that as our base period. So this is actually linked from a cell. Let's keep that in mind. Working with that in the way of building your model. Now I need our monthly growth. I need our monthly growth. And now look at this. We have our imputes as yearly. So we are saying for this period 2020, 5% throughout the year, 12% and for the respective period. And now we want to build our calculations. We want to build that monthly. So which means we need to be able to pick this percent and bring it here for the respective period. And the formula to use, I think I would like to use our lookup formula, right? Lookup formula. And what that would do is to look for this period, current year that we have in this, our monthly calculation, look for it in this period of assumption and return this value for each respective period. So let's do that. I think lookups work. So let's try lookup first. Try lookup. Lookup value. We are looking for this 2022, which I'm going to log the row. So in case I want to use the formula, I can use it. Then look for it in this, our year period that we have in this imputes. I'm going to keep constant. Okay. Think I've missed that. So let me do that again. Equal to lookup. Look for this period, which I'm going to keep the what? The row constant, comma, then go to my imputes under the year date that I have here. Look for the date for the year and what are we resulting? So the result vector, I'm going to keep the column constant so that I can always make use of this formula for another cell. So let me put this into percent. I can just drag it to the right so you can see for year 2022, right? Everything will grow by average of 5%. You can also have your input structure such that maybe June, from June to March, this will be your growth. So that's more like you factor in seasonality. So you are saying January, people tend to save less and all those kind of things. You can also factor it, but that's discussion for another day. So let's keep this straight. So which means for our base user, I will now be equal to the base period multiplied by one plus this respective monthly percent. So this is a user, so we should now have points and copy that to the right. All right. Now let's create our base user schedule. Our base user schedule, right? So we're going to have our beginning users add new base users, base users that we acquired. Then we'll, okay, we are not so the churn one, let's put that under active users. So let's have our ending base users, new base users, right? So this should also be in number because it counts. It's to the right. So this can set this just as a total format. So beginning, so for our base, that will be this 500 that we expect. And the same thing will now be our beginning balance will always be the closing balance for previous year, right? The added one will now be this current year good minus this previous year, so that you give us almost that same thing for what we have. So beginning users plus new users. So here it's easy for us to see the added users for each respective period, right? And we can always consolidate it into yearly. So for 2022, how many users? So I think this is just 398 users. I think that that's the field. We can always adjust this later. Now for the active users, the active users, let's say active users will now be so percent, so it will be percent, percent of our base users. I'll be percent of our base users, percent of our base users, right? So I can just copy this format and put it here. So let's say for this period, let's see how that will go. In our fourth year, percent of our active users might slow it down a little bit. Let's even say like 50 percent and let's hope we can increase that by 10 percent. So this plus 10 percent. So remember, these are imputes. So let me copy it and paste it back as value. This must not contain any formula. Remember, they are imputes, so they can always come back and adjust it. Just use that to be able to get that. So 50 percent, 60 percent, 70, 80, 90, supposed to slow down a little bit as well, right? Because we are saying I have 1,000, 50 percent of 1,000. Now if you have 10,000, you are now saying 50 percent or 10,000 is still greater than that 50 percent of 1,000, right? So I think she's slowed down a little bit to make the 60, right? To make the 60 so that the financial will not be shouting up and down, right? Just say you some people's model. Say the figures shouting. So percent of our active users, right? So unless I have our turn rate, I can also copy this as well, right? And put it here. So our turn rate, let's just keep it at 10 percent for now. Remember, it's a model, right? So without the layouts, when you have the output, you can always come back and change the input. Now, so let's, let's, so we have this, right? Any other thing we need, we can always, we can always bring it back here. For the revenue, let's say savings, what is the percent? So percent of active users, percent of active users that will be saving on the platform. So let me just copy this, right? So percent that will be saving. So remember our active users is a percent of our base users. So you can see how that link and how the business kind of operates, right? Active users is a percent of our base users. They were now saying, from these active users, what percent we actually be saving on the platform. So the first period, first LSE 40 percent, right? They really don't have confidence in us yet. So maybe if the year two, now we're getting grand, we have our standard and the U-Thing. So we can now start to increase it. Here, let's say 60, then 65 and 65, okay, or 70. So we have more people that save, right? Because they, they now trust our, they trust our platform, right? So those are more like things you need to think about. So people that save, also definitely we need withdrawal. So withdrawal or the percent would be withdrawal. So this, this will also be, so let's say percent per month. So withdrawal will be, will be based on monthly period, right? So maybe we should just, let's keep this as, as maybe 25 percent of people will be withdrawing their money of, of their months saved will be withdrawn, will be withdrawn, right? Is that right? Is that correct? We can work with that. So what other things do we need? What other things do we need? That is doing it. What other things do we need? So now let's, let's, let's look at our average deposits. So average savings are users, right? And this would be, so let me use my, my company, my, my country currency, NERA, right? So more like NERA per month. So how much would they be saving per month, right? So, so let's put that as our base period. So maybe let's say average person will be saving like 20,000 monthly, right? And we can now increase that. So average, average, average savings, growth monthly. So that would also be, so let me just copy this from us, put it here. So I think this should be, so maybe let's just keep everything 10 percent constants for now. Remember the countless, countless. And the other thing we need to consider is average saving, savings time. Someone can decide to save 20,000, two times in a month, or 1,000, or 20,000, 30 times in a month before. At least let's just keep it at 1 percent for now. That's number of times someone can save on a platform, maybe one time, two times on a duty, right? So we draw, let me put this. So we draw a percent, we draw a percent of savings. So that is clear, percent of savings, right? Right, right. And one of that thing you can also do is you can also create scenario around this, right? So you are saying base year. So okay, what if you have this, what you can get more than that? So I case, low case, right? Best case, base case, base case, base case, you can create that scenario. So it's always very, very interesting, right? When you are dealing with a typical fintech. Then what would be the yield? The yield on savings. Someone that is saving on a platform, definitely to actually, to entice them, we need to be able to give them a percent, right? But I think the percent is always more like a yearly home. So let's put it as percent per, per hanum, per year, per year, per year, per year, anyone. So I think we're okay. So for this, what is the average you can actually get if you are depositing money now? Looking for, at least for now, let's just put some pretentious assumptions. Let's just say ten percent. Let's leave that for now. Let's leave that for now. Now that we have our savings, let's go straight and let's have our, let's have our loans, our loans impute, right? Loans and advances, advances impute. So, so, so the word, as I said, we might decide to just make today to get all these assumptions. Then next period, we then try to do the, start the, the other part of it. So we make it more like this is part one, then with another part two. And I know we, we still have one part that we did on our visualization that we did December also, right? We need to revisit some of them. So the first one is what will be the percent of active, of active users, of active users that will be taking our loan. So let me just copy this format and put it here. That's what will be the percent, what will be the percent, let's be the percent. So a percent of people that will be taking, I think we should have more people that will be taking loan than people that will be saving. That, that, that can be funny, right? So which means the business might need to go and source for funding to be able to meet up these guys, right? Let me just, just fictitious assumption, assumption. Let me say this plus 10, plus 10 percent, right? So let's just keep this, let me put it as a value, remember? So let's, let's have this for now. We can always change it and have our rest. So what is the average loan that we can give? So average loan to users, right? So this will also be more like a per month. Let me put it here so I can even copy this, this format, so that we can work faster. So I can copy that and put it here. Average loan that we can give out to users, right? Let's say maybe 10,000 are users, right? So what is the average, average growth? Let me, let me type that again. Let me just copy this. So average, let me say, so this will now be average loan, average loan growth, average loan growth, right? Okay. I don't think people take loan more than a percent of people who save. Don't worry, we can always, we can always adjust that, right? It's just input. Let's just put everything together first by time we start doing our calculation. If it's making sense, it's not making sense. We can always change that. So average loan times. This will also be per month. So let me just copy this unit. Okay. So for average loan, what should be the percent?  So let's say, okay, so for the average loan growth, maybe we should just put that as 15 percent, right? So remember we are saying it's from the savings that they have that they will be giving out loans. So which means there's already a capacity restriction there because you can only give out loans based on what the percent of savings that you have on grant. Now, if there, maybe you have some other source of funding or some working cash somewhere else, that would be another story. But for this one, let's put it like this. Right. Right. So also loan disboss. So let's look at loan disbossed. And that would be disbossed from our savings. And that would be disbossed from our savings, right? Or be the percent. So let me just copy this. So this should just be, this should just be my percent. So what percent will be disbossed out from of loan, right? So let's just put some, let me just put some fictitious. Let's say 40 percent, right? The subcontinent is loan period. So anybody that would give loan, what would be the period of the loan, loan period, right? So I think this should just be, so anyone would give a loan to should be able to pay us within 30 months. Just 10,000 error, right? We agree with me. It's just very simple. Then what would be the yield? I'm more like interest rate yield on loans that we give out, right? So I'm going to just copy this. So let's say average of 30 percent per month, right? That's about 30.5 percent per month. Our loans, right? This is what we have as our input. That's an, how do we now use this to build our dynamic, dynamic revenue components, right? So I think because of our time, let's call this our part one.


Good afternoon, everyone. Hi. Oh, thank you for joining us. My name is Carmen, and I'm a librarian at the San Francisco Public Library, wherever you're tuning in from. I'm so happy that you're here with us. Go ahead and pop it in the chat where you are. We love knowing where our audience are watching from. Enjoy. So before we begin, I want to begin with a land acknowledgement. We are on the unceded ancestral homeland of the Ramatosh Aloni, who are the original inhabitants of the San Francisco Peninsula and continue to live, work, and play here today. As the indigenous stores of this land and in coordinates with their tradition, the Ramatosh Aloni had never ceded loss nor forgotten their responsibility as the caretaker of this place, as well for all people who reside in their traditional territory. We wish to pay our respect by acknowledging the ancestor elders and relatives of the Ramatosh community and by affirming their sovereign rights as first people. And today's program is being brought to you from our wonderful partners at the Museum of Craft and Design. A huge thanks to the friends of SFPL for the generous support of this special series. We wouldn't be able to do this without them. For today's workshop, you will see a step by step tutorial on creating a pushy accessory by using hand sewing, embroidery, and fabric marker techniques. Whatever is an animal, an alien, or abstract design attached to finished product to a pin, key chain, or langer for extra fluffy flair. You can check out the supply list in the chat. This craft is part of our Twin Winter Read Challenge for age 10 to 18 years old, the best twin and twin winter reading program in the Bay Area. From December 1 to 2021 to January 9, 2022, the link will be in the chat. Today's workshop will be available to replay any parts you need to view again and to share with your friends. And so today's presenter is Charlotte, the Education Director at the Museum of Craft and Design. And now without further ado, let me welcome Charlotte. Hi everybody. My name is Charlotte. I am the Education Director at the Museum of Craft and Design. And we're really excited to be here today. I'm looking forward to being a part of the Twin Winter Read program and being able to give this step by step walkthrough of how to make a wearable plushy flair. These pieces, here's a little example. This one is a pin, actually. These are inspired by the current exhibition on view at the Museum of Craft and Design. We're located over in the dog patch area of San Francisco, and we have this wonderful exhibition called Mode Brute. And Mode Brute is a collaboration between the Creativity Explored Studio that's over on 16th Street, and is a studio that represents over 130 artists with developmental disabilities. We have 50 of those artists who are featured in the exhibition. And we have partnered between those artists and some local design experts, fashion design experts in the exhibition who collaborated with the artists in order to create three distinct collections, including also the Creativity Explored line, which is where these plushies come from. So the artists, there's a number of different artists who created these wearables, everything from flowers to these lovely tiger and zebra creations. And we're going to explore the techniques that they've used in order to make these wonderful pieces. So to do that, I'm going to also put on another camera so that you can see what my hands are doing. And let's see, there we are, okay. So this way we're going to be able to have a better view of exactly how the craft is going, and you should be able to follow along pretty easily with me. So in an event that you do have a question, feel free to put that in the chat. We've got people standing by who are going to be able to let me know that that you have a question, and I'll try to get to it right then and there. But with our limited amount of time today, I think we should get going. I hope that most of you have received a make art kit that we distributed to the libraries. If you don't have yours yet, there will be more going out. And so hopefully you're also some folks are going to be watching this recording and and following along then as well. So in addition to that all of the materials are actually extremely easy to source. So I know that we have that list pinned in the chat, and you should be able to to collect most of those goodies on your own, if need be. All right, without further ado. Here is our lot make art kit. And inside. We're going to find a shirt for the exhibition. So this has all of the information that you might need. Let's see, let me get my view there. There we go. Information about the various design partners and the CE studio line. And you can see here that the exhibition goes through January 23. So you definitely have time to come down to dog patch and see that exhibition. There's a free pass for you a registration code that we're going to put in the chat right now. And you can use that to to reserve your ticket to come down to the museum. Children under 12 are free so keep that in mind, but definitely do come see us also if you can't make it down to the exhibition we have a virtual interactive link that you can also visit. You can also do to virtually walk through the galleries and interact with the artworks as well so check that out. You also have your instructions your written instructions for the, for the project we will of course go through all of these steps. And then on the back here, we have even more goodies for you. There are there's the QR code for that online exhibition. There's another free pass so you can use that one in conjunction with the code that we've put in the chat as well. Okay. Inside the box. We have some polyester Phil. So this is what's going to make our plushy plush. We have a sharpie permanent marker. You could also use a fabric marker if that's something that you have. We have all multi purpose scissors, but these are nice brand new fresh and they're going to be able to cut through your fabric for you. And speaking of fabric you have two pieces of just standard felt. So I've got pink and blue here. And hopefully you've got some nice contrasting colors as well. There's a lot of felt that's used in the exhibition. And so with it's that's that's definitely a material that the artists are really fond of working with. And then let's see we've also got two different colors of embroidery floss.  We'll just set that aside. And then yeah we have the little sort of accoutrements and goodies that are going to turn your plushy into an accessory so a lanyard is one option. And this little container here. We have a key chain clip. We have a pin back, and then I've got to you can sort of see them I've got two little buttons here as well that I can use as eyes on my plushy. So I'm going to just set all of those goodies aside for later. I'm going to get rid of my box and these are great boxes feel free to repurpose that especially with the holidays coming up. That might be something that you can use. And then we're going to start with our fabric and a pen. So, I need, well, first what we want to do is decide which color we want to start with which which color is going to be the front of our plushy. So, for example, this one is orange and then on the back, they've used the black as a contrast. I'm feeling like this pink is pretty awesome and vibrant so I'm going to start with that. And I can just set my blue aside for later. Now we want to decide what are we going to draw what do we want to have be our, our plushy our accessory. Maybe think about different characters or things that you've been reading about in in your books this winter. I know that a lot of the artists in the exhibition have really enjoyed flowers zebras tigers we've even had people plushies. In the interest of time and sort of ease of illustration and also because they're just pretty cool. I think I'm going to go with an octopus. So, let's just I can just free hand. My design. And it doesn't have to be perfect by any means, sort of a cartoon, a cartoon effect that we're going for that there was like the bulb of the head, and then let's see I guess he needs eight arms right. So I'm going to keep those kind of simple. And then I'm going to go have some other arms coming out of the back kind of looks like the outline of an octopus right. And I'm going to leave I think the interior blank for now because I'm just going to sew the eyes on at the end maybe I'll give a little indication on here of where I'm going to want my eyes later on.  So now the first thing that we are going to do in order to so is grab your needle. This is a special embroidery needle so it has a nice wide eye for feeding that that thicker embroidery floss through. And speaking of embroidery floss, I need to decide which color I like best. And I think I'm going to go with this purple, I think the purple will look nice against the pink. And it's going to sort of cover up that outline a little bit. But no, I changed my mind. I like this yellow this sort of golden yellow because it's more of an ombre it's got kind of different different tones going in it and so I think that's actually going to look really fun. So I'm going to play with that instead and we'll use the purple later. Now, for the embroidery floss a good rule of thumb that I like to play by is when when using embroidery floss and you have to kind of unravel it carefully here. When using embroidery floss, I like to only start with as much floss as will go from one hand to the other. But as though I'm going to give a hug. So just one hand to the other with both of my arms extended is about as much embroidery floss as I can handle at one time without it getting all tangled up as you pull it through the fabric. I've, I've cut, I've cut my length of embroidery floss, and now I just need to feed the feed one end of the floss through the eye of the needle.  If you can't get it through that hole. And I tend to be a floss doubler. So I'm going to, I'm going to bring my needle all the way to the middle of the floss so that I have to equal ends. All the way down and then I'm going to tie a knot in the two ends. And I tend to go for the double double floss just because it gives you more coverage. It's easier to deal with and it's stronger to so. All right, so now we're basically just going to follow the lines that we already created. And in order to do that just like the drawing, you pick a point on your drawing that you want to start and we're going to take the needle and we're going to start below so we will sort of find where the line is through through the around the other side of the felt and then just push your needle from below through the design, like so, and just go ahead and pull all the way through until it gets to the knot. And now you're going to just keep following along the line so now I'm moving just a little bit like a half to the three quarters to half of an inch, you can go you can go smaller, or, or longer, if you like. But to you what kind of effect you want you can also, you can also alternate the the different lengths of your stitches, but basically we're just going up and down up and down through the line of your drawing, like so. So there I have two stitches. And this will take just a bit of time I'm going to go pretty fast, and so that we can have a nice full video to share. And if anybody has any questions or anything like that feel free to put those in the chat so that I can. I can answer any of them, but you're going to see as you start to so that you, you really don't want much more thread than what we already discussed, because otherwise it starts to not up or bunch underneath in fact you can even see here, I've got a little bit of a knot. That happened, but you can't see it on the front so it's okay. But keep that in mind, you just want to make sure that that you're not getting super bunched up. And you're also not pulling too tight, you don't want to pull your stitches so tight that it makes the fabric start to bunch up. Because then it'll make it a little bit, it'll make it harder afterwards to be able to adequately sew the next piece of felt to the back. So that's an example there of what it might look like when I'm going too fast and you can feel it right away. So instead of like tugging or pulling more definitely turn your piece of felt over, get over to it and make sure that you loosen it up before it gets too, before it gets too tight. So what we're doing is basically it's a really sort of simple embroidery technique you can use this technique to like we're doing right now draw different designs onto fabric. You can use it to write words. You know, a lot of our clothing that we that we wear will often have embroidery on it. Very often that's Miss machine stitched embroidery, which is really quite tight and precise. There's something really wonderful though about hand embroidery that allows us to it allows us to have a little bit more of a textural look. And you'll see that in mode brute where some of the artists are using embroidery to cover like cover large spaces of often unfelt sometimes on on on leather to or suede. But sort of using it almost like a, like a coloring pencil or or the ultimate effect almost looks like a coloring pencil, because you've got multiple colors of embroidery floss, going over each other, creating sort of a layered painterly look So definitely definitely worth checking out and worth experimenting with. You can see here, I am starting to do wider stitches so we've got nice small tight stitches over here. And now I'm going to go wider and I'll probably go wider and wider and wider, not only in the interest of time but also because I think it might end up having kind of a cool effect, almost like an ombre look but for size, if that makes any sense. And when you're doing a curve when you're sewing around a curve, you can, you can shorten your your stitches to in order to give to be able to follow that curve a little bit better. And where I'm going through and doing these like big large stitches, you'll notice when I come back up on the other side. It's a much smaller. It's a much smaller stitch right so that on the top of my design I get a lot of coverage from the thread. But then when I go underneath the design. I'm just putting a very small little gap in between the stitches. And that gap, I mean, that gap can be really small if you like, you know, you could come back up through the design really, really close to your last stitch. And in order to sort of give an effect of almost no space between those stitches. Again, it's really very much up to you. I'm going to go even bigger with this stitch. I think I was right with that, that yellow gold embroidery floss it's looking, it's looking kind of kind of cool and contrasty which is fun. Other techniques fabric techniques that are found in in mud brood include painting on fabric there's a lot there's quite a bit of hand painting on fabric dying bleach dying sort of like bleach tie dye effect that's really quite cool and fun. If you're interested in checking that out. I suggest going to our online archive of hands on projects. It's called MCD at home and it chronicles all sorts of different projects that you can do that that utilize materials that are super easy to find around the home to definitely check that out. There are a number of different types of materials that are being used in addition to types of techniques. One of the sort of defining characteristics of mud group is that it's quite sustainable. I'm sure a lot of you know, sort of about the, the fashion crisis that is like fast fashion and easily discarded clothing. There's so much waste that happens in the fashion industry and so part of this exhibition, part of the goals of this exhibition was to create create fashion that is utilizing existing fabrics and existing garments. So recycling really looks like a little not over there. So a lot of recycling, upcycling, altering, which is of course always fun to sort of go into your closet and find something that you can turn into something new and embroidery is definitely a good way to do that. You know, take an old t shirt and maybe embroider, embroider a few words along the sleeve lyrics from your favorite song, or grab some, some fabric markers which are really, really fun cool tool that you can use on everything from hats to t shirts to shoes even customize, customize your kicks to look really unique. And these pieces of felt are are pretty easy to handle.  It is true that sometimes with with already found garments or larger pieces of fabric it can get a little bit overwhelming. But if you just focus on a little piece at a time that can that can make things a little bit easier. So as I'm mentioning these different different techniques that are found at the exhibition. You will also see when you go visit or see the virtual exhibition that there are. A lot of different techniques that will be used all in the same outfit or in the same garment, which is definitely another feature of the exhibition, and this really highlights the ways in which we did there was a lot of collaboration between the artists. And that collaboration had to happen. It all took place during the pandemic so it was all over zoom just like this. And a lot of the artists really had to learn more about the creative process, or their own creative process and how to kind of alter that a little bit in order to make that collaboration work between between artists who haven't even ever met each other before necessarily the creativity explored artists were just meeting the design partners. And I'll talk a little bit more about who those design partners are here in just a second but you'll see. I am about getting to the end of this first piece of embroidery floss so I'm going to give a little few tips on what to do once you get to that point. So I don't want to go I don't want to like keep using the thread all the way until like I'm jammed up against the bottom of the needle. I want to I'm going to think I'm just going to do one more I'm going to make sure that I get the needle through to the back of the design. And I'll turn my design over and I'm going to snip the floss towards towards the needle so giving myself quite a fair amount of tail here. In order to tie a knot down here at the base so I want to have plenty of floss so that I'm sure that I can easily create that not. I'm just doing a little simple not by holding holding the two ends together and wrapping them around and through. Tie the two ends together. Almost like a like a shoe like a shoe not if that's what what works best for you, but. But you're not going, this isn't going to be seen so it doesn't have to be perfect or clean. I'm going to snip off that excess now. I'm just going to pull a little excess off from the beginning as well, just so that doesn't get in the way of the rest of my of my sewing, and then now I get to pull my next length of embroidery floss. So, get rid of all these.  Needle to the center so I've got equal lengths on either side. You could also just like hold your two ends together on one side and then just tug your needle to the center that sometimes works as well. And of course don't forget your not. And then you just start right back up where you. Are finished back in action. So the design partners that were brought into the exhibition include bonanza, which is actually a collective a fashion collective of three individuals who are really looking to kind of change the idea of what a monolithic artist might be instead of just being Picasso or Andy Warhol. It's a group of people who are working together. And that really kind of ties in with another theme of the exhibition which is really questioning what and who is considered an artist or what or who is considered fashionable. And they really sort of taken that idea to the extreme throughout their careers. They had a residency at Recology, which of course is our, our, our dump our local dump in San Francisco, and they have such an awesome art artist residency where artists are brought in and sort of get free reign over the things that are brought to the dump and you get to make art from all of the junk that you find. And man, there have been some really, really cool exhibitions that have come out of that artists, artists in residency. I definitely encourage everyone to check that out. And, and with bonanza it was no different they created a really cool line of clothing that was all from recycled and upcycled goods found found there at the dump. And totally kind of transformed the idea of what is wearable, what, what you can turn into clothing, how clothing is created. They had sort of a challenge amongst themselves to not so anything. So they were, they were playing with, with connecting materials through like metal riveting and just different means of, of connecting materials together which I think is pretty cool. And so they, in their part of the collection. We have really great partnership with, with three different artists from Creativity Explored. Kathy Wen is one of them she's a wonderful sort of 2D artist who creates these really neat sort of colorful graphic colored pencil geometric drawings then were translated into sort of neon lounge wear by bonanza. And one of my favorite quotes from the exhibition was they said that the that particular part of the fashion exhibition was supposed to look like what Billie Eilish would wear to go work an afternoon in the community garden. And if you see it, you can definitely see it. It definitely seems to fulfill that vision. The other, the other design partner was Tokyo Gamming. And that is a local hookah tour designer who has had clothing and costumes featured in SF opera SF ballet. She was really drawing on some of her Japanese heritage in order to create a line that is tied in with nature with the cosmos with ancient wisdom and worked with artists who who created beautiful paintings that then they turned into prints and also hand painted pieces on this lovely collection of really avant garde fashions. Definitely worth checking out there. All right, I have just got it just about gotten to the end of my drawing here. So I'm going to put one final stitch into my octopus head. There we go.  So I've given myself a tail again. And I'm going to do a little knot, get rid of that tail. I'm going to get rid of this tail. And I don't want to forget about my, my little dots that I have in the center of the head for the eyeballs. So I'm going to grab these buttons, and I've got a lavender button, and I have a little beige button, and they are hilariously differently sized, and one of them even has like writing on it, which I think is great. I love the sort of quirkiness that that gives my my my little octopus. And so we'll now so those on before moving on to the next stage. And let's see. So I still have all of this embroidery floss on my needle. And I think I'm just going to that's like kind of the perfect amount for sewing these buttons on. So I'm going to go ahead and just do another knot here in the end. Ends, I should say it's two pieces. And I'm going to set the one eyeball aside so I can so the other. And basically we're doing the same thing that we were just doing before, except for instead of following a line, we're going to follow these button holes. So starting from below again, I'm going to carefully sort of while holding the the felt in between my fingers and then and then the button on top between my thumb and index finger. I'm going to just sort of softly poke poke my needle through until I hit one of my one of the holes. So it's on there now. And I'm just going to push through and you might have to.  So not beside not the hole beside it that the whole directly across and then go through and then we're just going to do the same thing on one of the from the one of the side holes. Go up through down opposite. And then if you were going to be attaching this button for like actual clothing purposes, you would probably want to do a few more rounds of a few more rounds of stitching through each of the holes you probably would be using a smaller thread to so it would it would fit a little bit better. But since these are non functional and they're just for decoration, it doesn't really matter and we can just do our one little stitches through each hole. And then once I'm on the other side, I'm going to tie my my ends. So let me just snip the embroidery floss and then again we're just doing our same little knot that we've done before as close to the felt as possible. And now I'm going to do another not in the end of my floss. We're going to do the other eye. So there's my little dot you can hold it. Oh, I was afraid of this. Oh, here we go. Okay, how do you use the table to get my, my needle all the way through a little bit. Yep, this one's just a little bit small. But if I set my the end of my needle on the table. I've got my button on and I'm going to now power through the rest of this in these 15 minutes we've gotten through the hardest part. And you're going to be able to sort of follow along and finish at your own leisure as you need to so. Yay, so we've got we've got our little guy. Yay. So next step is we want to cut this shape out so we're going to cut our design not too close don't want to like cut the design itself but just give it a little bit of a border and you could even if you wanted to you could if you wanted to like create like a full on pillow. You could do that by not even cutting the full shape border out. Let's see I'm going to be just a little bit loosey goosey here. There we go. So there's my little guy. And then I have my blue felt from before. So I'm going to just place my design on here. And now we want to sew that on to we want to sew those two pieces together so we're going to go back to our hugs. And so you can hear my train out there. Alright, we've got the knot in the end. And now I'm just going to so around.   Again you can go as detailed as you would like with your own. But we're trying to get through this here. Don't pull too tight you don't want a bunch, but we're doing really the exact same process or the exact same stitch, the exact same idea is before. The only difference is that now we're going in between two pieces of fabric. So of course this is a really great skill for being able to put patches on to clothing. And patches were one of the things that have, again, been a major theme in the exhibition. The final design partner that we haven't quite talked about yet is Ayana Yanni Brumfeld, who is a local queer black artist who has usually been working behind the scenes in fashion, producing fashion shows.  And so together with three intentionally chosen black creativity explored artists, they created a line of clothing that explored reflection, resilience and resistance, in particular with the black trans community. And the clothing that they created was really wonderful, sort of references queer and trans flags and color schemes. There's really great hand dyed fabrics and denim, hand painted denim. There's a beautiful portrait of Rihanna Taylor on one of the jackets in the piece, or sorry in the collection. It's definitely worth checking out. It's a really dynamic, small but like awesome part of the show. All right, so we are getting just about to the end of our border here. So I've got just the right amount of thread to get me all the way through. You'll see how colorful this has really gotten. All right, and now I've gotten all the way around. And I have about two inches left at the bottom of my design. And so that is essential to leave open so that you can stuff it. And so now this is where the plushieing happens. You want to grab your polyester cutting and carefully get it into your design. And immediately you'll see it just starts to become totally 3D and dynamic. So that should be enough to get me going. And then you'll just take your needle and you'll continue your process to close up that two inch little hole. And then, of course, you want to tie it off just like before.  And now we're going to follow the outline, the second fabric. So we're going to cut our design out. So you've got that cute little border. And you can leave that as as wide or as thin as you would like. Careful not to snip any of your stitches. And then very quickly, I'm going to do a little, look at that. Yay. Kind of looks like a little ghost. All right. And now I still have some thread on here. So I'm just going to go ahead and use that and create a little connector for my lanyard. And if you want to connect something else, you know, if you want to do the pin back, just look at your instructions. We've got those instructions for how to do that. But basically, it's just like your button. You can just sew it on with those little holes that are in the bottom. But I'm going to use my lanyard. And so on the back of this guy, I'm just going to take this dangly keychain piece. And I'm going to poke my needle into the back of the felt. It doesn't matter if you grab some cotton batting with it or anything. It's totally fine. Just keep pulling, pulling through and like just sew into that, into that, into that pillow and kind of, and then just pull over through the ring and then to the other side, so that it starts to stick. And you'll get a feel for it. It doesn't need to be perfect. You're basically just connecting your little ring by sewing through it. So we, oh, hi shot is coming again. So we just got a question that pop up is where can we get the instructions. Um, so we Marie can put those into the chat. And if, and then we can also include those maybe in the, in the show notes for the, for the YouTube video as well. But we'll make, we'll make that available. Your instructions were also inside your kit. But if you, if you don't have a kit, then we can certainly give you a digital copy. Okay, and now I have my lanyard. So this, this is connected. And I am going to, I can either use the little claw in it to connect it like directly to a zipper or a backpack or something like that. Or you can connect it to your lanyard. And now you've got something that you can attach to all manner of things, including yourself. These do a cross body. The, in the exhibition, they're connected to chains, and it's sort of like a body chain or like a belly chain. I have one connected to my work utility belt that I carry around for some extra flair. And she just put that into those instructions right there into the chat so that you've got a copy of those. But yeah, that is about it. Again, come see us at the museum. Use that free pass. And thank you so much to the library we love working with you guys and we can't wait to do more. Thank you, Charlotte. I just want to say the little octopus fish is so cute. I love the colors to the back and front. And thank you for powering on even with the technical difficulties. Also, you made it on time to I was very impressed on like how fast you were to thank you for sharing your amazing skill with us. Thank you again, Charlotte and thank you to the Museum of Craft and Design. And also want to thank you to the audience for joining us today. We will, we will love to see your wearable pushy fare by tagging us at SF Public Library, or as or at Museum of Craft and Design and hashtag SFPL twin winter read. And so today's workshop will be available to replay. And at any parts you need to view again and share with your friends at the YouTube link. I think they'll put that on chat and stay connected with the Museum of Craft and Design by following their Instagram. And that's all for today, folks. Take good care of yourself and we hope to see you again at another library program soon.


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