I'm very glad to see everyone, and I'm delighted to be here. I'm very impressed with what we have in this discussion today. The digital transformation is really the way forward for pretty much each and every one of you is sitting over here, whether we are running as you mean, or whether we are actually part of a big corporate overview. And I mean, some of the data that I was reading, because the global data, I will say that nearly 18, 9% of organizations are today in trying to deploy digital transformation, which primarily implies as a digital architecture for your organization. And it's only about 40% or 44% in fact for the real number, which has continued to achieve more to more good amount of success with this digital transformation. So I think we are still, we need to be out there to see that there have been that kind of digital transformation, but I don't think there's any reason to be like that, because the data just started focusing. And that's been very little work that has been done to serve as the tip of the area's work has been touched, and I think it's only going forward in the real transformation and results, and what works and what doesn't work is going to be kind of going to come to us in a big way. But, indeed, the position is actually straight in the need, not just from the point of packing up with the digital world, but more, you know, from the 10th of the revenue operation, whether it is marketing or whether it is HR or whether it is finance, and how it has to be controlled, all of the data needs to be more taken care of, more needs to be more digitized. So I think digitization is really more of a virtual function than a technical function. And therefore the whole alignment of everybody in the organization who wants this goal is becoming more and more critical. So, you know, the marketing department cannot be running this alignment from the technology department, cannot be disaligned from the finance department. The HR in its entirety has to adopt digital and stay in order to be successful. In one department, the gender, the other zone, its success is going to be very less or negligible in generalization. So I think we've got Vasana and Aya and we also got KFC, who actually needs for five years, not just in India, but across the global organizations where they have been in the first months to experience what digitization or more of digitization is going to be for the organization. So let's just add to the other side of it. Thanks for the opportunity, as far as I go, and the need for my students to really go on a digital course was covered when, as Aya and the leader, first came across like 2000 in the 13th, 12th or 13th, where he started on daily talk about when tech is how it's going to be and when tech is trusted by it, and initializing any techniques of not being able to come to a digital branch and customer is not as it used to be. So at DCP, you were the first one that has a mind of going for open adoption of digital navigation. So what exactly, and now we're also talking about six or seven years down the line, look at what has this digital age landscape to be mainly to you all about? What was it that you first took, what was it that worked you in this architecture? What is it that you as a man have been able to enhance the user experience in such a situation? I think it's a very interesting question you asked. What is your response to that? And that's not why I go explaining short times. So in fact, a long fact, when I opened my first guide account and I was so happy to open my account after 30 days, I must have referred that I have several of my friends who would open their accounts from this line. My relatives, I don't know. What year was it? 40 years ago. It was like in 2000. And if I ask the same man, or if the same man will offer me, okay, instead of 30, 29 days, still I will say your bank is not real, your bank is not digital or you're not really hearing the customers voice. This is what I would say. Even in my bank, I would say that 25 days and 20 days, it's not an actual output of account opening. So now every organization is transforming their business to the next object. So new banks are already into that orbit now to get how they can leverage on the new architecture to be able to get into actual customer, better customer. The bank like us, with the legacy of 85-year-old bank, now we can imagine what types of systems are already there. And on top of that, now we are talking about digital and keeping that interest of new customers as well as existing customers. So primarily where it is to open a bank account. It's just an opening a bank account, I don't know them, what happens to the consumer later on to the account and the finances and transactions and so on. Now, customers are becoming very hyper-personalized. They want everything there and there, I'd say. So that's become the response to the bank. If I'm opening this bank account in four minutes or, there it says, just take an example, for example, they have done some kind of innovation or a DPS bank has done something. But what is after that, whether it is my primary customer after even after opening the bank account so fast. So that's the one, another way to look at is after opening the bank account or onboarding the customer, engage them with the services. So servicing, serving a customer is a health issue. You have to view all the type of services. But how do we keep the engagement of the consumer on the same app? He has to come again and again to the transaction and should not go to the another bank. As well as look at how he's performing on the other apps or everywhere, wherever he goes. So I think it's very important for every organization, not only bank, who are serving the consumers to understand where do they go, on how many times they watch a movie at the weekend. So can I offer something else to my banking app? So it's like not only from the experience which I have, I was having with any of the RTGS or doing normal mini-statements or so on. I had to go beyond that. So it's like a model of every day life. It means from morning to evening, gets up in the streets, whatever he is doing, I need to understand what he's doing. And I have to give back those services. So there will be no end to my app. So it could be non-banking experience. It could be a social cause experience and so on. So data security is concerned, everything is taken care of. So this is how the next landscape, banks will look at. So as we get, as everybody understand that, banks are not important. But banking experience has to be there. And as now consumers are moving away from the branch, although Bharat or rest of the Indians, they always go to the branches. But typically, looking at the future, you have to take care of branch, internet IP, mobile financing, but now, the consumer sitting here wants to order food. Wants to do the branching there and there. Or wherever he goes in a branch or in a shopping mall, he wants to know what's happening now. It's everything around him. So I think from one directional channels, it is coming out of the bi-directional as well as the unidirectional. So while sitting in here, I have to have a branch office for some time out there which can be an AR, AR experience, or some kind of another experience. And it's like you have to keep on understanding what consumer is doing on a single transaction. And give back those bi-directional experience. So ultimately, when the consumer is coming to you, he was doing one transaction. But bi-directional, what exactly I can offer you if there is proper big data or AR algorithms? That's another way to look at it. Now, when I know consumer is very important apart from traditional channels, he is going everywhere. Sharing economy, like he is doing regional hotels or he is going for trip or in trips or tourist trips. So he is everywhere. And the sharing economy is evolving. Apart from how he's currently, when he's 80s, there are sharing companies. Your car, OLA, or OEO. You will find 400, 580s in the future now. So you have to agree with this. So as a single bank, I cannot do it. So when I want to do it, I have to leverage on those APIs or those technologies which will help to bring my experience to those experiences or those channels. I will pursue some built-in, so startup, so that means. So that's the solution. If I ask my IT partner, let's deliver these things. So they will be able to do it. But by the time other banks and other components will move ahead and will deliver it. So how to really manage this game? So you have to, again, partner with those built-in companies who will do the agile output with their defined time, with a very good experience, and customer is glued to that. So banks are now bringing that architecture which opens up their banking services to APIs to these critics or to the front-end channels. So it will be my own front-end channel, like Mobile Bank, or partner with some app, like Moffay, or Sweetie, and Book My Show. So it means I'm providing my bank out there on those channels. And consumer, please utilize it. Even for architects, are there for the day-for-world just to think like an enterprise that can do it? Absolutely, it's a collaboration day-for-world. Yeah, it's a collaboration day-for-world.  Because customer is having different varieties, and today we are making a generation where there are six to seven types of generations. And every generation demands a different experience.  So you have to serve those consumers everywhere. And as an IT systems within a bank, you can deliver immediately in a one-year or a one-year. When you partner with the same entity, you can go to the different retail parties. And you can cover up more. So it's also beautiful that you're bringing this transformation with an organization where these people are not there in our nation to understand what is your idea. And then bring people, identify which process to bring on those systems, build those GSPs and APIs, and deliver another business model to have a printed adoption. So that's how we did this exercise last three, four years. And here on it's really giving good outputs. So I'm going to ask you a question. What are the unique other initiatives that KFC has taken in the middle? And what are some of these initiatives that have worked best before? Now, this could be like you're taking an important sense of this class that you might be looking at. And I think the library, this is probably the, I would say the elephant is the room for everybody. The library is trying to track and support this actually. No, absolutely. I think the library has, literally actually suffered the time business. But I think overall coming back to the channel, I think we are following like a KFC everywhere strategy where you would want a customer that can order KFC anytime, anywhere, and with the preferred channel, of course, they want it. And whether it could be ordering on the app and checking the order status on your Alexa, it could be just chatting and putting an order on Facebook messenger or ordering on the website and coming in the store to pick up or ordering in the store and then eating their food at home. So all that I think in terms of only Chinese strategy, I think is a big part of our strategy. In terms of what has worked and what has not worked, I think in terms of, I think the Indian consumer world, in terms of within the food, I think the most perfect is obviously the app, as you said, the delivery, the app, using app for delivery, the ordering to website and website. We saw the other innovations like Kiosk and Click and Connect. I would say, I think they are very recent in India, so yeah, I think globally, obviously, a lot of the markets as we see, France, UK, Australia, US, they are very interested heavily in Kiosk, and I think for some of the markets that has worked, primarily because of impact on the ticket price, there is actually a few who would say that if you're looking for comfort food as you order the Kiosk, then actually end up ordering more. Because those, they will touch you on how much cheese sizes you're adding on your food, right? But in India, I think that's a fairly nice thing, and I know so far the competitors have already started experimenting. When are we doing it? Yes, we will be there shortly. Other things like Click and Connect, obviously that is a big one. And I think that the fact that everything comes to zero, wants everything on their device, right? They don't really want to be standing in the nine. They don't, you know, if you go on a Sunday evening, there's like 15 minutes of waiting time and everybody's shouting. That's something we want to basically over-reduce the fraction of the consumer in the store, and we believe Click and Connect often to order all these variations of takeaway, essentially, channel. I think they are going to be very important for us. So we are working on that, and the consumers will see you shopping. So I think India is more like a ticket deliverer than the town would be, right? Yes, yes. They can then know also what they can come and do. No, apparently, takeaway is a large part of the business. Even me, what we do find in consumer research, actually takeaway is a big art which doesn't really surface up as a channel in terms of the popularity, but indeed, actually it is. And a lot of the aggregators are actually experimenting with that as well. So I'm sure, I think about half a century, this probably could be one of the other agents for the food players in India. So India is maybe making the takeaway more efficient? Yeah, so it can work, but a lot of the consumers said that really, and it's very common that, you know, given you start from office on a Friday evening, and you don't know that super, but actually you can take a Yuma, and if you call the guy, he could have you back again, I mean, I don't know here, that's all nothing, right? So, and then the guy comes on the main sheet and hand it over, okay? So, and then you want to go and sit back and relax in your home environment. So I think that actually, occasions in QSR is quite prevalent. Now a lot of the big QSRs are also, obviously, we also want to cash in on that. So we can get, will be an endeavor to that, where you just order from your food, and as soon as you, let's say within 100 meters of our store zone, you actually start to take the food and serve your work. So that is, that is, and you know, KFC has always been, also been one of the first ones, it's a restaurant sector, at least to take an initiative in artificial intelligence, whether it was use of chat boards or, you know, sort of training, like that to order for KFC. So, how, how did that kind of happen, I mean, you know, to see the person in the space and then also try to achieve some success. Yeah, I'm absolutely, I think see, KFC, I would say, QSR in general is a bit of a late entrant to the digital party, I would say, to compare versus DCP versus QSR, I think we're definitely a few years behind. Now, but I think we're trying to leapfrog and they are a multi-dimensional strategy around why, it's a three-dimensional strategy that we're following, why we obviously want to work our core systems, reporting of the, as you said, open architecture in place to be able to integrate with third parties that do the studies in the matter of the world. There is a transformational layer, which is all about ORMs and CRMs of the world to make sure our customers, we know our customers well. And then there is a cost exploratory layer as well, which is all about EXA's and chatbots and EM, the implementation engines and everything. So I think we all, so we are following that strategy and I think we want to balance it out in there. I don't think we can be in a position where everything follows chronologically, like we don't want to wait for our systems to be upgraded to actually try an EXA. So yeah, so our strategy has, we're trying to balance all of that and I think our belief is that you know, fail fast and run fast. So while, so you want to experiment these technologies and really understand what is the real worth of them for us. I mean, I'll take an example of chat and voice, right? So initially, I think our belief was that it is going to be, you know, it could be like a big modeling engine for us, right? You know, if people actually come on these devices and order, actually, now we're learning that actually it is not going to be entirely true, right? I think it could be more like the user interface that says, you know, we've launched a smoky red recently as a new product, right? So I hope that people have tried it for a year. So it's a very nice product, you should go and try it. So smoky red, right? So now people understand what smoky red is, right? Or I don't understand what are the new offers are there and I want to understand how do you cook chicken and what are the uniqueness of KCG. I just want to impact with the brand and these tools probably are more of that branding interface and then with the option of what it is. So that's the learning setting. The philosophy that we have is that while we fix our port, that's actually even also it's the order and the experiment with this technology so that actually by the time we're ready with the port, we actually already have a learning curve to take it to the next level. So I'm not too excited, I would love to know is that what the GCP has for the KCG and you said that you're the main entry to the party, I mean, it's actually, it's also a tradition to go over there, the different, there is a certain set of employing this, unless you want to really hire all of them, you can't just hire and reduce the number of people coming in, there is a lot of change over that needs to happen from everybody and then initially. How is it that you're achieving that? How is it that you're trying to get everybody on the same page to be able to? No, it's a gesture for every organization to say differently. Like I said, new banks, new architects, new people, they know where they are, why they are there, and how they want to serve certain set of consumers. Old banks or ESU banks, the way they serve, and now another index or a new asset, I mean, how they will compete. So they have their own journey. Looking at our own journey, we found that we need some of the good champions of our digital who experiment and showcase those results to the top management board members so that they understand, this is how we have that aspect or activity we can really build. So I think mindset change happens with the slow education to the top and bring down that to the, your brand staff and so on. So whatever we deliver, we go on the grid and teach those new things to the brand staff so that they can work our customers' work out. It's not only delivering open banking or it's not only delivering a mobile app, but after that, the name is nice. How the consumer will come on top of that. Even, like suppose you want to experiment on top shape, AI or any new technology available, or AI, AI, like this is to brand. So first of all, you have to show some experiment to the board members or management committee and bring that kind of investment to this experience. So I think change that mindset, you always have to involve top management and that has to be the agenda of the board members or so, what is that innovation or digital strategy. So now our audience are understanding that they should have a separate entity within our organization who takes it out on the digital or innovation. I think it was only IT director or CTO, but now they're getting, how do we partner to start a new tech, so they're bringing on innovation or a new tech department. So how do we do on the blockchain or in our new techs? So within our organization, they are rescaling those people. So rescaling is another way to get how existing employees can be used. Tomorrow if I want to transform or do the process automation or robotic process, you know, same process. So it was the same guy who is doing that operation. So that means role is kept safe as well as he's become champion in that area. So it's a way to look at optimizing your organizations, not only with the technology, but mindset. There comes role of HR, so it may be possible that your KRA should be changed. But the HR itself is, you know, honestly, they are not going to have a real contact with the organization. But I think if the organization will not change, then there are the other organizations who are already changed, we'll cover those organizations. So it's very important for every organization, how they go to the next target. And it's very important for our management to understand where we are as, where we feel we're all in there for you. And while you go to the next target, you take care of people, what process you have to change, which technology we should adopt immediately. And I think we'll take care of regulation and cyber security. And what is that consumerist demand? Then we'll be able to fix it. What is your task to take care of? So I think, see, culturally, it's two things I would say. One is the bottoms up and both the top down. I think that aspect is very important. That bottoms up, we actually have to build tasks of the organization in the stuff that you do. And the obviously results are important in that, whether it's branding or whether it's actual money that comes in. So really, trust that, whatever we talk about, we actually deliver on time with high quality. I think once we cross-functionally, we start believing that, seeing that as a credible partner that we're actually bringing the right technologies with the right cost and the right outputs to them, I think that that actually makes a big change. Obviously, I mean, I think organizations are struggling with digital versus IT operating models. But I think as long as your business as this is going and the position is not getting acted, and you're actually generating incremental business benefits, whether it's as a set money or branding, I think that is very important. And obviously, that top down also, I think that is very important because if your CEO or the board is not behind that digital agenda, that actually, I don't think it can actually be successful. And I mean, one part of that, now the consumer agenda is becoming so cyber-economic. I mean, I go into quarterly updates and you wouldn't imagine that every board member, every seat person in the room is actually giving us feedback on what should be better on the end in terms of the U.S. So he said, let me S.A. Pro, S.A. Kanno, this is a chauja that I'm going to demand. So again, that is actually good part because now, even like over 15, you know that board members are actually also that savvy as a consumer that actually, they believe that if their organization is not in that top league of providing their digital customers we as I'm going to be behind too. So I think both of them are actually very important to be able to suggest. Another area I would like to touch is about cyber-economic. Especially since in the U.S. or something, I mean that clients, they are the most vulnerable when it comes to protecting their customer data. And I guess I've always been on the left with the technology we have. It's a given. So, you know, as a client, what are the initiatives that you are taking to ensure that in the digitalization process, the customer is safe, the customer's data is safe, his account is safe, the actor is probably asking for the responsibility. So I think the cyber security is very important and not only banks, but very, very consumer is there. That is why in India we have a separate site for cyber security. Even the RBI takes care of cyber security in many ways. They have started RBI, IT examinations last year and everywhere they are doing it. So, as you rightly said, actors are always ahead. So what is that which will help us to not to have those many ads and so on? We have seen some of the recent examples in one-pointing Pune and cooperative ads as well as in two years before we have 30 lakhs arts wear schemes in India as well. So, the best thing is to create robust systems as well as educate your consumers as well as employees. So, as a part of this separate cyber security initiatives, so maybe three years, four years, we should have only two or three guys in ADD security. So today we have more resources, more speed resources on security. We have our own phone software on the threads on 21 by 7. So, technically we are keeping ourselves ready as well as any product we move out. So, we do proper investigation as well as we do the required case for the infinity of assessment as well as on a regular basis we assess our environment networks and so on. And on a regular basis we do educate our employees and that particular which goes to our top management. We will stand and we will talk about what are the ways people hack, what are different hacks that happen in the country or globally and how organization is ready for that. And furthermore, what is your responsibility here on? An example, you should not open up any of the image or the links in the email, even if it is coming from India. You just have to review it, which is their domain. But there are different ways of fishing and social hacking. There are those kind of hand-holding we do with the employees. Because at least 1995 percent hacking happened because of some mistakes done deliberately or some involvement of internal people. Like somebody is putting USB which should not be allowed. So, these small, small things we keep on explaining them. And as well as why we deliver any of the products. So, how secure it should be the product. We bring on those controls either environmentally, voice or a consumer who operate those products and keep educating consumers who the employees who are working on the side of the city. Because as we have to say, hackers are always hired. So, we have to keep those types of those additional aspects. So, I think that's the main agenda of the interior design.  So, it's very important for us which we're going live. We have to really keep it safe. We may attend to this ethical hacking also on our apps. And once you certify it, we are quite confident of okay, this is an hack-proof app. But it's a journey and hackers are always hired. And we have to keep tightening our networks and the areas where physical security, your project is network security. And if it's difficult to employ the part of the infection, what they do, what they do not do. So, that's one very, very easy thing to do. You had a little... Cyber security, yes. So, cyber security is also, I mean, it's very important in the QSR as well. And largely, two perspectives, first because of all the customer data that we have. And just, and the second is the reputation risk.  There are a lot of trainings and guidelines and I mean, we can't, everything has to be certified by designated vendors which is globally appointed. So, yeah, so a lot of focus on cyber security, as I said, largely through the operational risk. They said in the world that any digital transformation process is essentially the process of change management. It has to change your people, your process, your policy, strategy, structure, and finally, competitive dynamics. Now, all these changes in your planning process cannot be possible to be achieved in the first row when you are in the drawing board. When you, if you have to go back to the drawing board for the second time, it becomes a very cost-involving process. So, my question to both the panel members is, what are your directional guidelines for a company to be successful in digital transformation for these six items? People, process, policy, strategy, structure, and competitive dynamics. I think that the directions for a company to get involved. So, as you rightly stated, we expect people to look at the digital process technology and as well as one more, I think regulation and the external partners and I think we get consumers. So, any deeper transformation, do we have any example? I want to transcom my organization, bring on some technology like AI or blockchain. So, I need to really see what is that needed. Do we have that kind of a speed-set of people available in our organization? Not either at this scale, internal people or bring on new people and create the right governance and after creation of right governance, identify which are the processes we want that, or which are the use cases. Thirdly, I can bring the crypto back without, I can really change complete UPI or complete the financial ecosystem, but does that the right use case? Or does that the right process have to change? So, look at what are the primary benefits point to my consumers, whatever investment which I have done so far on people's process and what I want as a business partner for the consumers. If it is achieving through the adoption of blockchain, I will do that. But either I really want to get on UPI and this thing, I will not. I will do something which is an experience where blockchain is not even. I will do it somewhere where trust is required and there's some process like regret finance or some process in reconciliation, which is a part of the financial system. I need to do the right use case as a priority and build those small QC's and with the blockchain technology or some other RJ technologies and then get into, does that regulation be supporting or not? I would say tomorrow I come up with a solar point or a wind point or another wind point. But regulation says it's not supported at least in the Indian context. But regulation always says that blockchain is supported. So bring on the right set of use case in align with the regulation and ultimately see whether what process I'm changing with the solution is helpful for my internal or external consumers. So, to support that strategy, I will look at this right in fact, people's process, technology, regulation and partnering and finally consumer as an actor. So partnering, as I say, why partnering also a lot of policies and a lot of frameworks I have to create with the partnering with the architects, which was not available that year. So, part of the project not only take me to part industry but whether that project is going to sustain for next few years. So, because the new things are now coming up. So, just to support itself like transformation, this is definitely like changing your engine while you're driving, you're driving, flying your airplane. So, it's a very difficult journey. But when, company organization has the same agenda. So, it becomes so easy and we have seen that. Will you like to show some light and competitive dynamics to be successful through digital transformation? Yeah, so I think I want actually one element of the confidence dynamics would be consumerizing. So, if I will change a little bit, I'll set the consumer angle of it, right? So, I think when we are choosing digital technologies and implementing those digital technologies and the pace of it, we are also thinking about whether our consumer will be able to absorb that with change or not. Right? So, for example, if I'm, you know, let's say today I'm actually, let's say launching two more channels, right? I've already launched X already, now I'm thinking of two more. So, we're trying to at least pace it out that actually it is not something which the consumers cannot absorb. Because otherwise the consumers can't internalize and absorb that level of pace of change that is coming from the brand, that change is of no use either. And obviously, competitive dynamics, obviously, I don't think we actually look that much like, okay, so much power and X competitor has done this now. Actually, it's not a race for us, it's not a FOMO that we will follow. But it's more, I think, see, everybody has their own journey. As long as, see, we are actually, because stepping back, I mean, KFC actually doesn't have a direct competitor product. And we are actually competing on the share for it, right? So, when we choose technologies, we choose what's best for us and our consumers, which will actually bring more business and the incremental transactions to us. So, competitive dynamics, yes, in a way, it is there, but there are some areas we can be given it, there are some areas we can't. So, we don't keep that much as a let's, maybe choose this one. So, we will keep that for history. To certain extent, yes, but not entirely. Because, see, it depends also, right? So, it could be that my competitor X is actually investing very heavily on the back of the house to digitize the entry management and all the booking that is happening or the auditing that is happening, right? So, it depends on where they are in the journey, right? So, what, from our perspective, we have to see where they are in the journey. If we become a late entrant or I'm already ahead of the curve, then, I mean, I have to choose what's best for me and for my consumer and where I want to put my hands on. So, because I said, we are competing in the share of the wallet, not exactly the product competition, I said. No, I'm sorry, thanks a lot. That's a, due to the cost of your time, you're not taking questions, but I think that was a great answer and I think as global organizations, probably you've taken the first mover advantage of bringing innovation, architecture, within your organizations to bring the change and the digital world they require. So, I'm sure we know that we're always happy to sort of care about stories that are changing the business and the way it is being conducted and how the sector is going to be represented eventually by all of this. And, you know, I guess as we go forward, he is, they're probably not just through what we have, many more digital changes and transformations like this, this, I can't even say that. Thank you very much for joining us, I just want to thank you so much for your questions. Thank you very much, please.


Hello friends and how are you all doing today? The question says a bill for Rs. 5,050 is drawn on April 13, 2005. It is discounted on July 4, 2005 at 5% per annum. If the bankers gain in the transaction is Rs. 50,000, find the nominal date of majority of the bill. Here we are given the face value of the bill that is S as it reads 5,050. Date of drawing of the bill is given to us as April 13, 2005. Rate of interest that we take as R is given to us as 5% per annum which can be written as 5 upon 100. Also we are given bankers gain as 50. Now we need to proceed with the solution. We can write bankers gain as bankers discount minus true discount also. So it is equal to 50%. Now we know that the formula for bankers discount is SRT. So SRT minus SRT upon 1 plus RT that is the true discount is equal to 50 upon 100. Further on taking SRT common we have 1 minus 1 upon 1 plus R which is further equal to SRT 1 plus RT minus 1 upon 1 plus RT equal to 50 upon 100. Further simplifying we reached this step. Now we have S5050R as 5% and we need to find out time. So let us simplify it. We have 5050 into 25 upon 10000 into T square upon 100 plus 5T upon 100 equal to 5 upon 100. Now we have 5050 into 25 gives us upon we have multiplied this denominator by 100. Now further we have 126250T square into 100 equal to 50000 plus 2500T that is after cross multiplying. Now we have 12625000T square minus 2500 minus 50000 equal to 0. Now on dividing the whole equation by 2500 we have 5050T square minus it was having T with it minus T minus 20 equal to 0.


Careful, darling. Policemen arrive, planes outside the house. The other protects the crime scene until the detectives get there. The officer in charge plans the search and makes the assignments. When physical evidence is found, it is immediately photographed. The picture includes a ruler for scale and an identifying caption. The officer in charge places it in the crime scene sketch he had made at the start of the search. Burglary is a secretive crime. That is why physical evidence is so important to its solution. Even the eyewitness can contribute little. Well, never even got a look at it. Is this the robe you were wearing when you were attacked? Yes, sir. That's it. We'd like to take this back with us for laboratory examination. It is the most important clue in this investigation. But only if it reaches a laboratory properly identified, preserved, packed, and accompanied by a letter of transmittal. The FBI laboratory has extensive facilities and expert examiners available free of charge to any law enforcement agency. But whether evidence is sent to them or to a local laboratory, the same procedure should be followed. They are described in the FBI pamphlet, suggestions for handling of physical evidence. One section covers in general the proper ceiling of evidence for shipment. This is essential if the evidential chain is to be maintained. Then should be double-wrapped and sealed. A transmittal letter should be sealed in an envelope marked invoice and affixed to the inner seal box. Through a transmittal, it should include the full names of subject and victim, the offense, date, and place where it occurred, and other circumstances of the case. Individually list the items being shipped and the information desired from examination or analysis. These are some general principles to be used in packing and transmitting any physical evidence to any laboratory for examination. Each kind of evidence, of course, presents its own special problems of identification, preservation, and shipment. Some of these problems are also covered in the pamphlet. Many more are a matter of understanding how to safeguard the evidential chain and the requirements and techniques of the forensic laboratory. During the course of the burglary investigation now in progress, you will learn something about each of these subjects. After each piece of evidence found at the crime scene is properly collected and identified, we will move forward in time so that FBI experts will tell you what can be learned from this evidence through laboratory examination. The crime scene has been thoroughly but vainly dusted for fingerprints. Obviously, the burglar wore gloves. Yet it may be worthwhile to send anything portable related to the crime to the laboratory for further examination. The flashlight left behind by the burglar is identified by the investigator who scribes his initials on it. The officer in charge is a witness. He makes notes on circumstances and location of the evidence. Each piece of evidence must be separately packaged and labeled before being included in the shipment to the laboratory. A well-stocked crime scene kit is invaluable for keeping on hand a wide variety of packing and marking materials, as well as other equipment the investigator may require. The FBI identification division's latent fingerprints section. Experts have examined the evidence sent in from the crime scene for latent prints. The flashlight was dismantled and all parts were examined and processed. The only identifiable latent prints were developed on the batteries. Fragments, Harry, these prints if identified will disclose beyond any doubt who touched these batteries. Identification may be affected through comparison with the prints of named suspects or through search and comparison of prints of known burglars. Finger prints provide a positive means of personal identification and form an indisputable link in the chain of evidence. The prints on the batteries of the flashlight establish the suspect is having touched them at some time. However, it may take additional evidence to place him at or near the crime scene. Several latent prints were developed on the batteries. Here is an enlargement of one. The drape that concealed the assailant may have hair or clothing fibers adhering to it. Wrapping paper is spread to preserve any that are dislodged and then used to pack the drape for shipment to the laboratory. Investigators initial the lining to preserve the evidential chain. In crimes of violence involving bodily contact there is often an interchange of hairs and fibers between the victim and the assailant. The hairs and fibers unit of the FBI laboratory searches for, examines and compares such evidence. This bathrobe worn by the victim is first searched for obvious hairs or fibers adhering to it. The garment is then scraped to dislodge any other particles. From a microscopic examination of hairs we can determine race, body area, any type of artificial treatment and damage to the hairs such as crushing. Hairs recovered from the victim's garment can be compared with hairs from a suspect. The drape which concealed the assailant will be searched for both hairs and fibers that might have adhered. Now for our examination to provide effective evidence it is absolutely necessary that each item be handled carefully to prevent loss of any hairs and fibers wrapped separately to avoid contamination and properly marked for later identification. This bathrobe worn by the victim has stains. When the examination for hairs and fibers is completed the garment will be sent to the serology unit of the FBI laboratory for examination of these stains. Blood stains found on the carpet may have also been left by the burglar. After they have been allowed to dry the investigators collect as much as possible of the powdered scrapings. The pill box containers have tight fitting lids. They are marked with initials and date and will be sealed before shipment to the laboratory. Samples of unstained carpet nap will also be sent for control purposes. This is the serology unit of the FBI laboratory where it is our responsibility to identify stains that are made for the various body fluids. Blood, seminal fluid, saliva and urine. In this case, the stains on the bathrobe and the scrapings from the rug will be subjected to certain tests. First of all, to determine if the stains are blood and thereafter to determine if they are human or animal. If the blood is human, the blood group will be determined. Adequate controls are run on the unstained portion of the cloth in order to ensure that the results we are getting are coming from the blood stains. While a blood grouping alone is not sufficient to identify a person, it does lend weight to an identification and it may well be sufficient to eliminate a suspect. It is important to remember that blood stains should be thoroughly dried before packaging for shipment to the FBI laboratory. This will prevent putrefaction. After drying, articles should be packaged separately. Scrapings of blood should be placed in a container with a tight fitting lid in order to avoid leakage. Liquid blood specimens should be forwarded to the FBI laboratory, air mail special delivery as soon as they are received from the medical examiner. Exterior surroundings have been as carefully protected and thoroughly searched as the interior crime scene. A shoe print is photographed. It may prove to be that of the escaping burglar. Later, a plaster cast of it will be made for comparison with any suspect shoe print. When this door was forced by the burglar, marks were left on the wooden door jam and the metal striker plate of the lock. Marks on the door have been photographed. Now the investigator removes the striker plate and marks it with his initials before sending it to the laboratory. The officer in charge witnesses this and covers any additional data in his notes. The tool marks unit of the FBI laboratory. Our examinations concern the identification of tool marks as having been made by a specific tool. They also include the identification of two objects having been originally joined, such as the broken blade of a knife. In this instance, tool marks on a striker plate are being compared with a screwdriver to determine whether the marks were produced by this screwdriver with exclusion of all other such tools. The examination is conducted by comparing the marks on the striker plate with the test marks made by a suspect screwdriver. Tool mark identifications are similar to the identification of a bullet which has been marked by the barrel of a gun. In both cases, a comparison microscope is used. The plaster cast of the footprint was poured and allowed to harden. While it was still wet, both investigators marked the top with date and initials. It is lifted carefully together with any dirt that may adhere to it. Plaster casts are fragile and must be protected with packing before being moved from the site and shipped to the laboratory. This is the tire and shoe print unit of the document section of the FBI laboratory. One way of doing shoe print examinations is to make ink compressions of a suspect shoe which can be compared with shoe prints found at the crime scene. We also examine tire prints, comparing casts made at the crime scene with tires found on a suspect's car. Tire wear may often produce individual markings which are identifiable. This shoe print cast was made at the crime scene. Only loose material was removed to avoid damaging surface detail. It appears to have been handled carefully and was identified by date and initials by investigating officers. It was properly packaged and separately wrapped to keep any dampness from other evidence. It appears to be in good condition for comparison purposes. The glass fragments on the floor may have been smashed by the burglar during the struggle or during his escape. He uses a carton from the ever ready crime scene kit and marks the top with his initials and the date. A second investigator also initials the box top so that he too can testify to the finding of the evidence. The examination of glass is one of the major functions of the soils and minerals unit of the FBI laboratory. Glass from different sources varies considerably. Even two window panes from the same location can be separately identified if they came from different batches of the same glass factory. With these instruments, we can make precise measurements of the amber glass found at the crime scene and compare this evidence with tiny pieces of glass found embedded in the rubber soles of a suspect's shoes. The optical and physical properties match, providing circumstantial evidence that the suspect was at the crime scene. However, the unusual characteristics of this glass and the metal in its applied decorations indicate that further compositional analysis should be made. The facilities we have available for this purpose include the emission spectrograph, the mass spectrograph, capable of an extremely sensitive survey of the elements in the specimen, and the use of nuclear reactors of various types with the subsequent neutron activation analysis being performed by the FBI laboratory. You have seen the processes by which the physical evidence of the crime scene of a burglary and assault were collected, identified, and prepared for shipment to a laboratory. You have heard experts from the FBI laboratory describe to you what can be expected from analysis of this evidence. You have learned that laboratory findings and criminal cases are based upon the comparison of known with questioned evidence and that they may prove innocence as well as guilt. And you have been told of the importance of safeguarding the evidential chain from collection through laboratory examination to submission at the trial. When I arrived at the crime scene as officer in charge of the investigation, I found that it had been properly protected by our uniform men who had responded to Mrs. Wilson's call. I immediately planned the crime scene search and gave assignments to the men working the case with me. I made an initial sketch of the crime scene and filled in the location and description of all physical evidence discovered during the search. Every item found was photographed in place before collection. Anything in the crime scene which might possibly yield evidence was carefully collected. Every item was dated and initialed by the two of us, if possible on the object itself, if not on the containers which were sealed before shipment. Most items were packaged separately on the scene. This was done to avoid contamination or damage. All of the packaged material collected was maintained in my custody and shipped to the laboratory by registered mail to provide a valid receipt. It has remained in my custody since its return to preserve the evidential chain. No further questions.


وَأَقُولُ فِي القُرْعَانِ مَا جَاءَتْ بِهِ آيَاتُهُ فَهُوَ الْكَارِيمُ الْمُنْزَالُهُ وَأَقُولُ قَالَ اللَّهُ جَلَّ جَلَالُهُ وَالْمُصْطَافَ الْهَاديِ وَلَا أَتْ أَوْوَالُهُ الحمد لله رب العالمين وهو الحمد الحسن والثناء الجميل وأشدوا لا إله إلا الله وحده لا شريك له يقول الحق وهو يهدي السبيل وأشدوا أن محمدا عبده ورسوله صلى الله عليه وعليه وعلى آله وأصحاره والتابعين لهم بحسان إلى يوم الدين أما بعد وإندما ظاهر دنول هما The ways and forms in which low aspiration manifests وإن شاء الله تعالى today we are going to go into the 18th and that is that if تخارب الآباء إلى عظام والعيش وعلى أمجادهم it is to praise your forefathers and to live off their honor and reputation there are some people who have pious predecessors in their lineage maybe their father is a scholar or is a doctor or engineer or a scientist they have a cellophane they are pious honorable individual before him whether it be his father or granddad or great granddad who has proceeded either in knowledge or virtue or both and has received high aspiration gained high aspiration in his life so what this person does is that they live off the honor of their father they live off the honor of either the granddad or great granddad they don't exert any effort they don't come with any hard work they just feed off the actions of their fathers or their father or their mother their grandmother that's what they do وَلِذَا الْخِدَ بَوْتِهِ سَيْدَا مَلْحَيْهُ عَشَبِ عَضْمِ مَيْتِينَ فَذَا كَلْ مَيْتُ حَيّْونَ وَهُوَ مَيْتُونَ if a person who is alive lives off the honor of the dead then the dead are actually alive and you are actually the dead one the poet said and the scholars they say to the person who tries to say my father was this my father said this my father my father lives off his father's honors and his father's hard work they say a line of poetry to that person they say اذا افتخلت بي آباء إلاهم شرفون نعمة رجال ولكن بيسما ولدو if you try to tell us the honor of your father and how noble he was and his virtue we will say to you نعمة رجاله honorable were those men that you talk about honorable is your father honorable is your granddad and the ones that you talk about ولكن بيسما ولدو but evil did they give birth to we say to you so it's a line of poetry it's said to a person who tries to live off what their father was or their mother or their grandmother they want to live off that they don't want to come with work they don't want to come with hard work and efforts and etc they want to live off the honor the virtue the the status of their forefathers وما أجمل قول من قالل one of the beautiful statements was that which was said by the one who said it إذا إلام تكون بفعالي نفسي كسامية لم يغني عنك سمو من تسمو به ليس القديم على الجديد براجع إلام تجده آخدم بنصيبه he said إلام تكون if you're not بفعالي نفسي كسامية if you're not going to drive your own nafs to high levels if you're not going to push yourself to your potentials if you're not going to achieve your the goals in life that you want to achieve that you need to achieve لم يغني عنك سمو من تسمو به it won't help you the people who you're trying to use their honor and their reputation and their biography those who you're trying to take from their energy and their efforts and their hard work ليس القديم على الجديد براجع the old is not one that returns back to the new if something is old and it's been used it can't come back to being new again إلام تجده آخدم بنصيبه if you don't take your portion and that which is needed trust me my father was this it's not going to help you only that because there's a very famous Samali improv of where they say and I'll translate it they say my father has a camel what is better than that is to say I have a donkey in other words the honor and the good that your father has has got nothing to do with you my father has a camel my father has this my father is rich my father is well how could that? no what is better is I have a I have an egg is better what you own is better and also the poet also said ليس الكريم بمن يدني سعر الله ويرامر أته تكون بمن مضأ حتى يشيد بناءه ببنائه ويزين صالح ماءته بما أته the poet he said the generous one the unknowable one is not one ليس الكريم بمن يدني سعر الله the righteous person the smart the clever the one who has high aspiration is not one that destroys his own reputation he doesn't destroy himself and does not then see once he destroys his own reputation he doesn't then see ويرامر أته تكون بمن مضأ and then he doesn't see that his dignity it's in those who preceded him that his forefathers or his grandparents no حتى يشيد بناءه ببنائه until he comes and he strengthens his infrastructure himself with them he uses them to perfect himself and become a better person ويزين صالح ماءته بما أته and what the rise and noble one does is that he beautifies himself with the things that they did he builds on what they built on so he uses his parents اونا as a stepping stone to grow his legacy and his righteous works and his obedience to الله سبحانه و تعالى and even in the world if you came to a job today think about it and they asked you how are you where have you studied where have you learnt and you keep saying my father do you know who my father is you know what my father said you know what my father achieved you know what my father or you say my mother my mother is this my mother and with that in any way shape or form be a reason for you to be given that job and they know you don't know your right hand from your left hand they won't give you the job it just shows what is your father got to do with this situation when okay great he is and noble he is praiseworthy he is as you say but what have you achieved we want to know you the other one that's going to work for us so don't try to use your mother's honor or your father's honor or your grandparents grandfather grandmother whatever it may be to get around in this world and yes some people do and vice versa is true don't let your forefathers wrong doings your father may not have been a great person and he may have been a criminal for instance that doesn't mean that you're a criminal by default no he doesn't mean that it doesn't mean that و لذلك the ayah says يخرج الحية من الميتي و يخرج الميتي من الحي الله سبحانه وتعالى according to some of those of one of the views in the ayah that الله may bring a disbeliever from from him الله means a believer إبراهيم عليه السلام his father was not a believer الله brought him out and إبراهيم عليه السلام preached his father a prophet from the أول العزم من الرسول from one of the five chosen prophets according to if there is that opinion or that opinion is strong he's one of the five نبي الله إبراهيم he is خليل الله he came from a non-muslim who's in the hellfire his father is in the hellfire إبراهيم عليه السلام نوح عليه السلام he's a prophet of Allah he is he gave birth to a non-muslim boy who died in that state so from a noble prophet came a disbeliever and from a disbeliever came a noble prophet الله سبحانه وتعالى كل مرئ بما كس براهيم قم wondering how do and effort they exert and the hard work they come with no one is going to take somebody else's actions unless of course they were the reason for that person to do that action then yes but if not you're not going to take the sin of your father and nor are you going to take the reward of your father's actions his actions are his and your actions are yours يعمل جدًا جدًا جدًا يعمل جدًا يعمل جدًا هو ما أنت ستكون مجردًا جدًا على يوم القيامة وماذا فاتمة صلى الله عليه وسلم يقول لي أنه يعمل جدًا فاتمة رضي الله تعالى عنها وماذا فاتمة يقول لها صلى الله عليه وسلم يقول لها فاتمة أسألني على ما يريد ما يريد من my wealth I'll give it to you لكن I cannot help you the day of judgment from the punishment of Allah سبحانه وتعالى I can't do anything for you يوم القيامة if Nabi الله محمد said that his own daughter فاتمة who he loved صلى الله عليه وسلم that shows that we can't do anything for our own children and our children need to understand that that they need to work hard for themselves I'm going to now go into the 19th مظهر من مظاهر دون والهما and that is المزاحي والإسفافي فيه going overboard in joking and being excessive in it and this happens a lot by by the way between the people وهذا الأمر يقتر وقوعه بين الناس it happens a lot between the people so you see a person يغلب عليه كثرة المزاحي والإسفافي والتمادي فيه excessively joking there's no you hardly find this person serious it's always joking always you meet joking وهذا الأمر مظهر من مظاهر دون والهما وهذا الأمر مظهر من مظاهر دون والهما and this really is a form of low aspiration because joking drops veneration and respect فالمزاح يسقط الهما ويخل بالمرؤة ويجري السفهاء والاندال joking too much and laughing too much what it does to you is that it takes away veneration and respect for you it also takes away from your honor and your reputation and it opens the tongue of the dim-witted ones ويجري السفهاء the dim-witted ones will open their tongues at you وقيلة في بعض منطور الحكم it was said in one of the wise statements المزاح يأكل الهيبة كما تأكل النار الحطب joking excessively eats your honor and the respect and the veneration كما تأكل النار الحطب the way that the fire eats the wood and also it was said by the wise من كثرة مزاحه زالت هيبته anyone who's joking and laughing is excessive beyond and above the respect for him drops من كثرة مزاحه زالت هيبته the respect and the honor that the people have for you will drop ابن عبدالبرر رضي الله وقاد كريه جماعة من العلماء الخوض في المزاح ابن عبدالبرر رحمة الله he said there are a large number of scholars who disliked الخوضة في المزاحه to indulge deeply and excessively into laughing and joking لما فيه من دميم العقب because he has a bad ending ومن التوصيل إلى الأعراض and it means to go into other people's honors وستجلع بالضغائن and it brings out bad feelings وإفساد الإخاء and joking وكان يقال ابن عبدالبرر also says in his he says وكان يقال لكل شيء بد ابن عبدالبرر he said everything has a beginning وبد العداوة المزاح and the beginning of enmity and hate from one person to another starts by a joke one person made وكان يقال لو كان المزاح فحلا ما ألقح ألقح إلا الشر يعني قنضه and I want you to think with me here as well how many people do you know who stopped talking to each other because one person made a joke about the other person and if this person even asks for forgiveness this other person thinks that this person meant it deliberately سعيد من العاصل رضي الله تعال عنه he said وَلَدْ دَنِيْا فَيَجْتَرِقَ عَلِكِ سعيد من العاصل and he said do not joke with an honorable person because in his heart something may enter it hate towards you وَلَدْ دَنِيْا دُوْنَوْكِ with a low individual insignificant person فَيَجْتَرِقَ عَلِكِ and then he opens his tongue at you he doesn't know your honour and your reputation and your respect he doesn't know it you joked with him he thinks he can joke with you and then he jokes to you about things that are so irrelevant things that are your honour but the other one opened that door وَمَيْمُونُ بْنُبْمِهْرَانِ he said فَاَخِلُهُ الشَّتْمُ وَالْلِطَّابُ وَمَيْمُونُ بْنُمْهْرَانِ كَاتِبُ عُمَرُ بْنَ عَبدِ العَزِيز he was the writer for عُمَرُ بْنَ عَبدِ العَزِيز وَمَيْمُونُ بْنِمْهْرَانِ he used to write for عُمَرُ بْنَ عَبدِ العَزِيز and عُمَرُ بْنَ عَبدِ العَزِيز كان لا يقرب إلى الأفاضل عُمَرُ بْنَ عَبدِ العَزِيز would only bring close to himself the honorable people, the general, the noble people that's the people that were around عُمَرُ بْنَ عَبدِ العَزِيز so وَمَيْمُونُ بْنِمْهْرَانِ is a great Imam he said if joking is the beginning of the speech فَاَخِلُهُ الشَّتْمُ وَالْلِطَّابُ the ending of that conversation is going to be insult and beating physical and abusive the language is going to come from it the poet he said the poet he said if you want to joke do not let your joke be a joke where bad manners is followed with it many people they joke but it's disrespect for what they just said there's some jokes that are good but some people their jokes are disrespect for example they would joke about someone's appearance or someone's looks and they will make that a joke that one تُضافُ بِهِ الى سُوءِ الى أدب if that's bad manners let's put the joke aside but that is سُوء الى أدب so then that's something you shouldn't say generally even if it was in a joke something you shouldn't generally say the kind of jokes that you look at when the Imam is generally jokes that don't it's not targeting a person or that they're trying to hurt the person it's not like that and like the woman that came to the Messenger and she said and he said elderly people don't enter Jannah she cried and the Messenger he said to her he was joking with her because Jannah is young so the Prophet ﷺ in no way she performed did he attack her no way did he belittle her صلى الله عليه وسلم some people's jokes are insults, name calling in their jokes and when you say why did he say that he goes oh I was only joking sometimes I was only joking and whether they're serious you can't even tell the difference so he said لا تمزحا فإذا مزحت فلا يكن مزحا تضاف به إلى سوء الأدب but if you choose to joke then there will be a joke that doesn't accompany it bad manners and bad etiquettes وحد الممازحة تعود عداوة and be careful of a joke that will bring about enmity إن المزاحة joking is actually على مقدمة الغضبي it's the introduction and the beginning of anger another poet he said فإياك المزاحة فإنه be careful and stay away from joking فإنه يجري عليك الطفلة because it will make the child a little kid and open his tongue at you وَدَّنِسَنَّدْلَا and also the insignificant will also open his tongue at you وَيُذْهِ بُمَا أَلْوَجْهِ بَعْدَ بَهَائِهِ it will take away from you the نور on your face يعني the veneration and the respect that was coming from you وَيُورِثُ مِنْ بَعْدِ عِزَّتِهِ ذُلَّا and all of the honor that you had what it will inherit to you now is humiliation joking سبحان الله this is something that a person needs to understand the importance of reducing on it the intent here is not to joke at all that's not what I'm saying here what I'm saying is don't be excessive in doing it and also don't do it to everybody some people you're serious with them and you're and in some situations you have that character with some people it's not every place and everywhere you do it and you do it with the amount that is needed and when the time comes on when you need to be serious if that goes then what happens is disrespect and if you're always excessively serious it may bring about it may bring about boredom people might become bored of listening to you so joking the scholars they say joking is like salt in the food in عُدِما أو زاد على الحدي if there's no joking there's never joke then you can imagine no salt and if you increase in joking then you can imagine food with so much salt it doesn't become praiseworthy right but with that it's a line of poetry in two lines of poetry a poet said sometimes in your nature in the way you are follow it with a bit of joking be someone who sometimes jokes but remember he said but if you're going to give into joking those situations that you feel like there needs to be a joke فَلْيَكُلْ لَرِيْبِ بِمِقِدَارِمَ تُرْقْتِطْطْعَامَ مِنَ المِنْحِيْ make it like the salt when it comes to adding it to the food do you add too much food into the salt no food do you add too much salt into the food no you don't the same way you don't and is it praiseworthy if there's food with no salt in it whatsoever no not really it doesn't taste good so that is the balance that is needed laughing and joking too much and becoming excessive in that is an indication that a person lacks and high aspiration and the question here is just how is that possible what is the relationship with joking and high aspiration the relationship is that high aspiration is a person who is focusing on what is serious and what is important in life and generally speaking the important things in life are serious they are not things that are that are not jokes it's not a matter of joking serious things in life that you have to achieve they require sweat and blood you see you need to sweat for it if you want to gain weight sorry if you want to lose weight you want to be in shape it's not a joking matter when you go to the gym and you need to work out sweat that's what it is if you want to memorize the Quran it requires lack of reducing on your sleeping it requires spending your time alone with yourself, revising repetition all of that it's not a joking matter joking too much takes away from your seriousness in things that you need to achieve you'll take everything as a joke and that's what happens to many people their personality of laughing too much excessively and joking too much excessively it does generally speaking go into other things in their lives the way they are to their children the way they're with their partner the way they're you tend to find their life is not in order mainly because they're not a serious person they take everything as a joke so الجد والاجتهاد والصبر والمصابرة hard work exerting a lot of effort patience and there are times in your life that you need to joke لكن إذا أعطيته المزح فليكون بمقدار بمقدار ما تعتقد طعم من الملحي let it be controlled don't go overboard lack excessively and don't become laxity school regarding it I'm going to stop there anything which I've said that was wrong or incorrected from me and Shaytan and his message are both free from it سبحانك اللهم السلام عليكم ورحمة الله وبركاته how can you do a two second action right now that will give you a share of the reward of everything we're doing on this youtube channel simple like this video and click subscribe why it will allow youtube to recommend our videos to other users and imagine the huge amount of reward that could be waiting for you on the day of judgement if you did that with a sincere intention of spreading the deen of Allah you'll be rewarded for every single person who benefits from one of our videos as a result of your like or subscribe that's an easy two second action that you definitely don't want to miss out on do it now click like and subscribe and don't forget to make that intention


Hey everyone, Merry Christmas. You guys can say Merry Christmas Okay, so what we're going to do we got this ham here. It's a 11 pound ham I'm gonna try a glaze. I normally don't do this But I saw something on YouTube and I want to try so stick around and we'll get into this Hey guys, so I got this recipe from the wolf pit. So This is his recipe not mine, but I wanted to give it a try So what we're going to do is we've got The sweet orange marmalade or we use a little brown sugar and We're going to have some sriracha in this That's pretty much it. So what I'm going to do After I get done kicking the camera All right now this is What is this 18 ounces? one pound two ounces of Marmalade here we're going to put in and we're also going to add a little honey We'll add our marmalade in here. Like I said, I've never done this because this is not my recipe, but He swears by it So I'm going to give it a try if you guys don't know he does He's a food channel Again, it's called the wolf pit He tries different things and he shows a lot of different recipes for Budget meals stuff like that now we're going to Then everything else is a quarter cup okay, so we're going to put a quarter cup of this in and Quarter cup of the sriracha and a quarter cup of honey, but I'm not going to go with a whole quarter cup And he made it real clear. He said Don't use the cheap stuff use the real sriracha.  So All right, now I've got a whisk here. We're going to whisk this up Mix it up really well. Now. I'm going to smoke this you you can do it, you know in your smoker Of course, I've got a real smoker that takes real wood But you can do it on the electric smoker if you have an electric one they usually have a probe and you stick your probe in and You're going to go To a hundred and thirty degrees Fahrenheit Now what I've done here on the ham I've cut About an inch apart. I've cut all the way around about a quarter inch deep all the way around I didn't spiral it don't use a spiral hem guys That stuff's great for sandwiches, but not when you're smoking and when it's Christmas So I went all the way around all the way up to the top And then I made my cuts up this way the same way about a quarter inch deep when that opens up And when we start basting this It'll really get that flavor inside inside the ham So what we're going to do now is we're going to take this outside We're not going to heat this up yet. This is going to go on the grill As well so it can smoke so This is going to take approximately two hours 11 pound ham so Usually about 10 minutes a pound remember this is fully cooked ham So, you know, you're pretty much just heating it up. So I'm gonna get you outside here And we're gonna throw this on to the smoker. Okay guys, so This is heated up to about It's about 325 right now, but I just had it open So we're gonna put this on here and then we're gonna put the ham on Now when I take this out What I'll do Is I'll just slide this on to a cookie sheet now I Don't have a probe, but that that'll be alright See that went down real quick. It'll come back up opened up the damper a little bit I'm gonna leave this in here for an hour and then once the Once that hour is up. I will start basting that ham and then I will baste that ham every 10 minutes Until the final hour is up. Okay, so I'll keep you posted on that. I've got to go make my homemade noodles I've done a video on that. So yeah, it's starting to come up here. So, yeah I'll get back with you when we start basting this. Okay guys. It's been an hour. The temperature went down a little bit. That's alright There's what we're looking at there.  Whoops. We're just gonna baste this up. I'm gonna do this every 10 minutes For about an hour I'll probably go about 40 minutes check the internal temperature But I think it will it will be about that hour Maybe a little longer. We'll see Yeah, it's starting to open up nice. I think I may go ahead and spin this around He also uses this on chicken. So yeah, let's go ahead and Spin this around.  You got a You got to keep your You know, you got to do your adjusting and all that so my niece called so Hi Courtney, if you watch this But I'll talk to you here in just a second But anyway, yeah So there's that Now we're gonna close this back up and I'm gonna come out every 10 minutes and baste it. I'm not gonna bore you with that.  Oh, yeah, looking nice Okay, guys, I got monkey helping me here been about two hours and five minutes maybe ten minutes There's what we got Okay, so we're gonna do hold that monk Ready Then we're just going to slide this off onto here ready I got it. I got it. I got it. Okay All right now And we'll take you in That's pretty warm and we'll We're gonna let it rest for about 15-20 minutes and then oh I'll kick you back on when I'm ready to cut it Just said it was hot. She's trying to grab that bowl guys. All right. I'll be back with you.  Turn around here, mom. Okay. Yeah Here you go, bud. How was it? Good. Mm-hmm. All right, so You can smell and you can taste the smoke in it. Yeah, very good Nice. Let me try a little piece here. Mm-hmm I'm all going to like it. Oh, yeah Very nice. Mm-hmm. That's good. Yeah, I usually don't glaze things, but that's good You can taste the sriracha too. Yeah All right guys Merry Christmas to everyone If you had a great day or having a great day You know stay safe. Come on. Merry Christmas. That's it. Yep Don't forget to check out monkey 1000. I got a Fitbit She got a Fitbit. You got me a Fitbit? Yeah. Oh my god, and it's pink When I got mine, she said I always wanted one of them. I couldn't afford it and She's been borrowing mine keep track of how many steps and her calories and all that stuff. So You got her one for Christmas now. Mm-hmm Merry Christmas guys. Mom say Merry Christmas Merry Christmas All right, we got to get her fed she's famished. Yeah Melting away. All right. We'll see you guys the next one. Bye. Bye. Take care mom Like it says Merry Christmas and take care everybody. Have a great day. I forgot she barely met the man the legend Like it says she's out for now. Bye. Bye guys


In the previous lessons, we created this chart that shows the total number per dose of the four EPI-OPV doses given by district in the animal region of training land in 2021. But what if instead of the total number of doses per dose given, we wanted to show the overall total number of doses desegregated by age? Let's see how we can do it. First, we will need to change the chart type to another one that better suits our needs. Click on the chart type selector menu to see the options available. The stacked bar chart allows you to track or compare parts of a whole over time. Select this as the chart type for this example. Now we need to modify the layout. Along with the period, move the organization unit dimension to the filter and keep the data in the category field. And for this series, from the dimensions menu in the left pane, select age and years 0 through 1, 1 plus unknown. Click on the dimension to open the options dialog. This is where we can choose the specific desegregations we want to view in the chart. In this case, double click on 0 to 1 years and 1 plus years to move the options to the selected items section and then click add to series. As a result, we see this chart with the overall totals for the number of OPV 0, 1, 2 and 3 doses given in animal region in 2021 for two age groups, 0 to 1 years shown in green and 1 plus years shown in blue. Here we can see the number of each dose given broken down by age group. This is what we would expect when viewing data on OPV doses given through a child vaccination program as the doses are generally given to children under one year of age. To wrap up, in this video, you have seen how to add a desegregation to a chart, change the chart type, adjust the layout and add a new dimension to the series to create a visualization that shows more granular data.


Item number SCP-681 Object Class Euclid Special Containment Procedures SCP-681 is to be contained in a row of standard pressure tanks rated to contain helium gas. All tanks are to be chained to the floor or walls of the containment room. The containment room is to be kept airtight and at near vacuum pressures, with two Level 1 staff assigned to check for tank leakage once a week. Checks are to be made in pressure suits, and none of the gas is to be removed without clearance from Level 2 personnel. In the event of a minor leakage into the storage chamber, the room is to be temporarily flooded with normal air to force SCP-681 into collection traps in the ceiling. Should a very large leak occur, or should SCP-681 breach the containment room, nearby personnel are to be supplied oxygen masks immediately, and the bubbles of SCP-681 forming around them are to be siphoned off. SCP-681 can be safely placed in latex balloons without the usual concern of leakage, but no more than three average balloons worth of SCP-681 are to be removed from the containment room at any time. Description Discovered in a warehouse under investigation for several cases of reported death by suffocation, SCP-681 is roughly 200 155 centimeter canisters of helium gas with unusual properties. In the event of leakage in the vicinity of brainwave producing subjects, it will move towards the subject and fill airways and sinus cavities with helium gas. In enough volume, this can lead to death via suffocation. While still in the 155 centimeter storage canisters, it retains some of the capacity to exert mobility hampered by the weight of the metal container. In lighter containers, such as the few 60 centimeter party-sized ones collected with the main batch, SCP-681 can exert enough force to deliver a head concussion. The range of the effect is limited to roughly 30 meters, but this is highly variable. If placed in a balloon, it will simply drift towards any thinking organisms nearby and repeatedly bump against them. Balloon animals, however, will become slightly animate and act hostile, though still largely ineffective due to being simple latex balloon animals. SCP-681 will, through unknown means, migrate into nearby balloons if it breaches containment. Addendum, after all this time, someone just now thought to check the serial numbers on the canisters and discovered we're missing over one of them. Do you people have any idea how much gas there is in one of those? Dr. W... Lesson complete. If you missed the previous orientation, go watch SCP-680, Clockwork Skull, right now. Or for the complete course, watch this playlist.


If you're a financially independent person out there who has monthly budgets and stuff like that, you should be able to make several hundred dollars or probably more than a thousand a year just ripping off credit card company. Actually, I don't want to say it's ripping off. Technically it's just applying the terms of service in a tactical way. I've done this for a couple years. It's an easy way to make huge amounts of money back. Everyone should do it. Everyone knows that you can get cashback on credit cards, but that's like small fry stuff. That's a little 5% cashback. That's so great. No, no, no, no, no. No, that's newbie stuff. Let me tell you what I do. Okay. You take credit cards. You take out credit cards, use them, pump and dump them for their introductory offers and then cancel them or disable them. Okay. That's the gist of it. So here, let me give you an example. Here is a card. This is a Wells Fargo Cashwise Visa. I'm showing you it because it doesn't have my number on the front. But let me tell you the story of this card. I got this card around a year ago when I moved to where I am now. I got it because it has this nice little introductory offer. And it says, if you spend $500 in the first three months of having this card, you get a credit on this card of $200. That is $200 free. Okay. So when I was moving here, I knew, okay, I'm going to have to rent a U-Haul. I'm going to have to rent a little trailer to attach my card to the U-Haul and bring all my stuff down there. And I'm going to have to pay for gas that, you know, all of that together is probably going to be around $500, even if it's a little less. I'm going to use $500 within the next three months. Okay. So I got this card. I paid for the U-Haul and the gas. I've right up to $500. I got my $200 free and I use it on whatever I want. I went on a big shopping spree getting all the stuff I needed for a new house. And then what did I do? I threw this card away. I'm never going to use it again. I don't know what its terms are. I don't care. I don't care about APR.  Everyone should just pay off all of their credit card balance all the time. So that card I'm never going to use again. In fact, it's deactivated. Even if you stole it, even if you saw the number, you can't even use it. Okay. So that is what I do. And you know what I did after this card? You know, here's the thing that what they want you to do when you get a nice introductory offer is, wow, this card gave me $200 free. I love this card. I'm going to use it forever. No, no, no, pump and dump. Get rid of the card and get a new card that gives you the same kind of offer. And there are dozens of these. Okay. So that's what I've done. I use one card. Once I've gotten the introductory offer from it, I go to the next one. Here's the card I have right now. It's a Bank of America card. It is, I want to say you spend $1,000 within the first three months. Then you get a credit of $250 or credit or maybe points that's like $25,000 or something like that. That's $250. Okay. So $1,000 over three months. That's just about my monthly expenses. I mean, I have close to $200 in fixed expenses and bills every month. So that's $600 for three months. And then the other $400. I'm probably going to spend that on groceries and gas and stuff like that, other things that may emerge. So I'm not buying more stuff with this, of course. They want you to buy more. They want you to go into debt. But I'm just using this for my daily expenses. The only difference is at the very end of this three months, I'm going to get $250 free bucks.  Taking out one of these cards for a car, it's something you already are planning to do, is a good idea because you're just going to get free money back. And when I'm done with this card, guess what I'm going to do? Never going to see it again. I'm going to put it in my safe of old disabled cards. That's going to be it. And I actually have a list on my computer of the next cards that I'm going to exploit in the order I'm going to exploit them. So as far as I'm concerned, think about the savings you make on this.  Or if you don't want to think of it that way, that's like over a year, when you use a couple of these cards to do that, that's like getting a free vacation or an extra paycheck or two, or it depends on your situation, but it's free money. What are you going to do? Say no to it. It's no more difficult. Just setting up, you just have to use this card instead of another one, okay? And just sort of mentally remember how much you have left, okay? Now, are there any downsides to this? Basically, no. If you look it up, this is called, there's a word for it. It's called credit card shurning, I think.  I'm just pretending those people aren't listening to this video because they shouldn't even be, they should be living with their parents, frankly, if you do that. But anyway, if you are someone who actually pays off your debt, there basically is no downside. There is a short term, an apparent downside, and that is in any case, if you open credit cards, if you apply for credit, you are going to have an inquiry on your account, which means your credit score might decrease by a little bit or if you've opened multiple cards recently, my score decreased by like a dozen or so points when I first started doing this. But after that level, it actually only goes up. And the reason is if you have, let's say you do what I'm telling you to do, and over the next two years, you open like, I don't know, well, maybe a couple of years, maybe you open like 10 cards or something like that, okay? And you exploit a mile or you get a couple hundred bucks per card. It actually looks really good on your credit score if you have a couple thousand dollars, maybe a hundred thousand dollars open in credit that you have never used or gone into debt with, you've always paid off whatever you have, that actually looks really good on your credit score. So if you're applying for a mortgage next month, it might not be a good idea to open a credit card, even if you're just gonna get free money from it. But for people who are more long game guys, you guys who are younger or don't necessarily plan on like, get it making a big purchase that you need some kind of credit score for, yeah, there's literally no downside.  That's where they want to get you, don't let them get you there. But for anyone else, again, I do not, I never alter my behavior for this credit card. The fact that I get free money for this, I never let myself think about it. Sometimes I'll bring it up in conversation as a joke, but all that I'm concerned with is just using my typical amount of money and then I'll just get, I'll happen to get a couple free hundred dollars on my account once that time is up and I will go on to another card and that's gonna be it. So yeah, that is my recommendation.  The only reason I would not want to do this, and this is not a reason that a normie would not want to do this, but the only reason I wouldn't want to do this is just because credit cards of course are monitoring devices, but then again, so are debit cards, right? I mean, if you're one of those guys who's like, I want to use cash because I don't want the government to monitor me or credit card companies that monitor you, that's an okay reason not to do this, right? But if you're already using debit cards, there's no reason you can't do this. And in fact, even if you're concerned about your privacy, I would sort of do the thing where, oh, I'll just buy credit in some account. Let's say you have the same power company, okay? That you're gonna pay a bill for however many years. You might as well just spend the 500 bucks from this on that, that of course, the system is gonna know you're gonna be buying anyway, so it's not really sacrificing your, it's not exposing your daily purchases to whatever, to these companies. So yeah, check it out. If the people watching this video do this, I don't know, if the people on my channel do this, literally all of you can make several hundred bucks in the first year, if as long as you are, you actually spend this amount of money, which I think most independent people usually tend to. So I don't know, we could all collectively just bankrupt. You know, a credit card company or two. I will say that some of them try and be smart about this, like let's say Wells Fargo. So Wells Fargo, of course, once I open this card, there's a rule at Wells Fargo, they say, oh, you can't get an introductory offer for another 15 months. Or there are some companies like Chase, where they're like, oh, if you've opened five cards in the past two years, you can't open a card here. Because they know that people are gonna exploit the system, but it's very easy when you're opening cards at different banks and you're getting one from some, like they can't really regulate it between them, that's the best part. So yeah, literally just free money. Oh, and if you have a wife, hey, get her on the gig, you can double your money, all right? You can milk every card twice. All right, so that's about it. Thanks, biz, for watching.


It is March 2020 and the whole world is talking about this new coronavirus. Now, the World Health Organization, they first learned about it from the outbreak in China in January. But one source warned about it already in December. And this one source was not an epidemiologist or a physician. This December warning of a new virus came from an AI named Blue Dot. So that's today's topic, smart machines. So after the SARS epidemic 17 years ago, an infectious disease specialist in Toronto, Cameron Kahn, started to work on his mission to find a better way to track diseases. And in 2014 he founded a company called Blue Dot. And today it looks like their disease surveillance analytics program is working. So this machine uses natural language processing and machine learning to read news reports in 65 languages. And then it adds on reports of animal disease outbreaks. Plus it also reads airline data to predict where infected patients might end up. And one of the successful predictions of Blue Dot was the location of the seek outbreak in South Florida in 2016. And now it seems like this smart machine did it again by sounding the alarm bell here on December 31st, 2019. And also predicting that this virus would jump from Wuhan to Bangkok, Seoul, Taipei, Tokyo and others. I mean Colorado today and here in the US used like in many countries, truth from public health officials seems to be a problem. So maybe an AI driven epidemiologist is what we need, not only for faster information, but also for trustworthy and accurate information. Up until now we have been talking about artificial intelligence, but honestly it's been more of a buzzword. Most people would probably have a hard time to give a concrete example of what it really is. Maybe they would mention Siri or Alexa and that's about it. I believe this will change and 2020 will mark the start of the AI revolution. This is the year where we will hear about autonomous cars and ships and things like that, not only as experiments anymore, but out in the open, up and running. And maybe we shouldn't refer to it as artificial intelligence. Maybe it's easier to understand what's going on if we talk about machine learning. Machines that not only do what the programmer tells them to do, but actually learn by themselves and thereby they get better over time. So much faster, much more accurate. It's quite easy to see that the change ahead of us is much more turbulent than the change we have been through. So what do you think about this? What's your thoughts on machines smarter than human beings? See any new problems or opportunities? Please share them in the comments section and interact down below. And if you want more, make sure to subscribe. And wash your hands and don't pick your nose. Even simple biological intelligence should know that by now. See you in the future.


But Max Frick, an encouraging first couple of laps from him. Yeah, Shrivelski and Holder enjoying themselves. Oh, Dudek's down! That's a tough one. That's a tough one. Oh, Dudek just getting too much grip coming out of turn four. Tell us about that. That's sort of an unwritten rule about putting the bike down. Yeah, you have to.  And these bikes travelling at speeds, you get hit in the back or the worst of the head by the engine. But that happened so, so quick. With these engines now, high-revving, volatile things, he had absolutely no time to react to that whatsoever. Frick has made a good start. That's enough to rip out. Yes, he did. That was very, very clever riding for Max Frick. It looks like he's got it one from the inside gate, makes a cracking start from there. But Max Frick makes a good enough one, and that's the mistake. That's the first mistake from Schwarzlich, which allows Max Frick for a decent run up the inside and get himself in front. We can see going around the first turn. At this point, you've got to say, the track's been graded. It's all Schwarzlich. He just picks up tiniest of ruts, and he knows he's made the mistake. He's trying to keep the bike down low to stop Max Frick, but Max has just got the speed. And a great, great ride from Max Frick. He steams up the inside, straightens Schwarzlich up there. He's made it. He's hit the first corner in front. Leo Manson's in second place. Freddie Lieckman back in third misses out. Max Frick, though. What composure. Wow, what a ride from him. He completes the first lap. He's in front. Leo Manson's pushing hard in second place. Freddie's in third, but Max Frick looks like he's going to win here in the Narodovey. Yeah, fully committed. He's not riding defensively. He's on the edge of the dirt mid-track, and he's building up plenty of speed. It's good to see Max riding like this. The Aussie champion deserves a little bit more than he saw in the first round with two points. He's going to take this one. Fantastic stuff from him. Super stuff for Max Frick out in front. He's had gate four for the last three outings. He had no hesitation to take that. He made an absolutely dream start away from the outside. And Max Frick is the winner in the Narodovey tonight. What a performance. He failed to score in his first ride. The Australian champion has turned it on in points now.