I'm Dailey. I'm Eva. And I work at the Electronic Frontier Foundation. And we have a problem. Bodily autonomy is under attack. If you have a body and you do normal things like access healthcare, communicate with others, or use a phone or computer, search online, this includes you. Even if what you do isn't criminal today, bodily autonomy is under attack and the internet is a battlefield. Attacks on bodily autonomy are nothing new. But what makes this new wave of attacks different is that they're happening in an unprecedented era of digital surveillance, making our work harder and the world more dangerous for anyone who thinks control of their own body is important. So what are the threats? Well, in 2023, 49 of 50 U.S. states have anti-trans legislation on the books. As for abortion access, 22 states in the U.S. have enacted restrictions or outright bans since the fall of Roe v. Wade last year. So what does this all mean? Digital evidence is being used to prosecute everything from parents seeking trans health care for their kids to people providing assistance with getting an abortion. This has serious implications for free speech, for our right to privacy, and for the ways in which communities are rethinking how to protect themselves. It's time for everyone in this fight to take a good hard look at their operational security. Here are the kinds of evidence that we've seen so far. Emails, Google searches, text messages, and Facebook messages. We have lots of advice for how you can protect yourself over at Surveillance Self-Defense. But we don't think you should have to be James Bond to protect your basic privacy rights. Significant changes need to come from companies that have made a business model out of collecting and selling information about our digital lives.  You can do that like implementing end-to-end encryption and encrypting the data at rest. Stand up to and resist government requests for sensitive user data. Delete the data that you don't need from users and overall just minimize the data that you collect in the first place. Some companies have made positive changes since the Dobs decision to overturn Roe. Flow, a popular period tracking app, followed through on their promise to deliver an anonymous mode that better protects user privacy. Others have made pledges that didn't turn out so great. Google, for example, committed to deleting user location data around healthcare clinics that offer abortion services. But a recent study found that the data is still up there. This lack of privacy is outing people and allowing their health data to be collected alongside any other behavioral tracking online. Software that has a reputation for inadvertently outing LGBTQ students is now on computers in school districts where LGBTQ life is increasingly criminalized. What all these things have in common is the very real threat caused by mass surveillance and criminalization of bodily autonomy. It isn't just healthcare. There are speech laws, book bans, a whole data broker industry run amok. And the last thing we need is the most vast and sophisticated surveillance apparatus in history, enhancing the dangers under new criminal law. Or worse, making them profitable. So what kinds of solutions do we need? We need strong state level and federal laws that restrict law enforcement access to personal data. We need to pass protections around bodily autonomy. Having privacy protections will drastically reduce the threats that people are facing from digital surveillance. We need to coordinate cross movement advocacy to easily share knowledge and resources between these different causes. But all of these threats posed by digital surveillance would be made basically irrelevant for good if we had robust comprehensive federal privacy legislation for all. In a privacy violating present, we need to organize for a privacy preserving future. We deserve ownership over our own bodies on our own terms.


Latency is a measure of time delay in a system. Now, because there are many different types of systems and time delays, it is always very important to have a precise definition of what we mean by latency. So because we will be talking about message latency, we will define it as the time that it takes or the delay for a message to travel from its point of origin to destination. So simply put, we have two points. We have A and B, and we will be sending a message from A to B. And the latency of the system is the time that it takes for a message to travel from point A to point B. So this is the one-way latency of the message. Now, let's spend the next few minutes and take a look at some ways of how we can deliver a message from a perspective of network latency. So let's start with the simplest and the most familiar example, which is, well, on foot. And there's probably no better example than the fabled run of a Greek messenger from the battle of Marathon to the city of Athens, where this messenger ran the distance of 42.2 kilometers. Or if you prefer miles, that's 26.2 miles to deliver this message. And of course, this is where the name and the distance for the modern marathon comes from. Now, the current world record for the marathon is just over two hours. It is actually two hours and three minutes. And this is a very important number because this is, of course, the total time that it takes or the latency of the message to go from the battle of Marathon to Athens. Now let's also calculate the speed with which the message travels. We know that the distance is 42.2 kilometers. And I'll simplify this a little bit and just say that it's 42 kilometers. And we'll divide this distance by the time that it takes us to deliver the message, which is two hours. So I'll also simplify this a little bit. And that will give us 21 kilometers an hour. So that is the speed with which the message travels per hour. Now in our other examples, we'll actually want to use meters per second. So I'll just show you once how to make this conversion. It's actually very simple. We know that there are 1,000 meters in each kilometer. So we just need to multiply that out. And we will divide, to get seconds, we will divide this number by the number of minutes in an hour, which is 60, and the number of seconds in an hour. So if you do this math, it will come out to be approximately 5.8 meters per second, which is a very, very quick pace. And what this tells us is that our message will travel with the speed of 5.8 meters per second. But it will nonetheless take us roughly two hours, or the total latency, to deliver the message from the Battle of Marathon to Athens. Now of course, we could also recruit some help to deliver the message. So it just so happens that a speed of a very fast horse is about 85 kilometers an hour. So what we have here is the speed in kilometers per hour, which is the same number as we had here. And if we repeat the same calculation as we did earlier, it will actually come out to be about 24 meters per second, which is the speed with which the message will travel. And it's more than four times faster than our messenger on foot. Now we know the distance, which is 42.2 kilometers, and we know the speed. Now we can figure out the total time that will take us to deliver the message. So let's do that. We know that the distance is 42.2 kilometers, and let's convert this into meters. So once again, we'll multiply this by a thousand, and we will divide this number by the speed. So this will be meters, and we know that the speed is 24 meters per second. So if we do this calculation, it will work out to be 1,758 seconds, which we can convert into minutes by just dividing that by 60, and that works out to be approximately 29 minutes. So what this tells us is that the message latency for delivering the message by horse is more than four times faster and works out to be approximately 29 minutes. Now another way we can deliver the message is with a homing pigeon. And believe it or not, this is a method that's been in use for over 3,000 years. Both the Egyptians and the Persians use homing pigeons to deliver messages. And the speed of a pigeon varies quite a bit, but on average they travel at a speed of about 80 kilometers an hour, which if we do our usual calculation will work out to be approximately 22 meters per second. So this is the speed with which the message travels. Now if we repeat the same calculation as we did here, we can actually calculate the total time that will take us to deliver the message. And we'll skip that because we did it earlier, but the total time will be approximately 31 minutes. So very similar to the horse, but still about four times faster than delivering the message on foot. Now in some cases we can't deliver the message either on foot by horse or be a carrot pigeon, like for example where we need to cross the sea. And the thing about ships is that they have generally been very slow. So a ship built in around 1800, something like a Spanish galleon, would travel with a maximum speed of six kilometers an hour, which is approximately 1.7 meters per second, which is a lot slower than even a runner on foot. Now the good news is we've actually learned how to build much faster ships. And a modern fast ship can travel with a speed of about 55 kilometers an hour, which is about 15 meters per second, which is almost 10 times faster than before, but nonetheless slower than the horse and even a carrier pigeon. So if we do the same math as before, we will actually see that for us to deliver the same message by ship, it would take us approximately 47 minutes. Now some of these examples may feel a little antiquated, but in reality we can still hire a runner to deliver a message within the city, something like legal paperwork, except that chances are he won't be using a horse, he may be using a bicycle. And of course, we still deliver a lot of mail by sea and by ship. And believe it or not, our avian friends here are still in active use. So let's take a look at some fun examples. So first we have the Reuters news agency, which was started around 1860 by Paul Reuter. And his original service was actually to deliver messages from the city of Brussels to the city of Aachen, where he employed a fleet of 45 carrier pigeons to deliver stock quotes. And in fact, 80 or so years later, during World War II, carrier pigeons were frequently used, especially in cases where radio may have been compromised. And finally, believe it or not, in this day and age, we are still using carrier pigeons in many remote locations. So for example, we have the police pigeon service being used in places like India to reach remote locations, which is pretty neat. Now, there's only one issue with this entire picture that we've come up with here, and that is we're actually missing a very important way for how we can deliver the message. So let's take a look at that. And that is through the use of visual signals, which is, of course, an ancient and a very popular way that we've been using for thousands and thousands of years through things like torches, fires, smoke signals, and so on. And in the case of our Battle of Marathon, we could have, of course, used visual signals to deliver the message. Now, because the distance is actually pretty far, it's 42 kilometers, chances are we would actually need several different relays along the way. And the question is, what would be faster if we used these visual signals or if we just used one of these pigeons to deliver the message to the city of Athens? Now, that is actually a little bit of a trick question, because if we were to use a pigeon, we could actually scribble a little note and attach it to the pigeon and send it over. So we could send quite a bit of information, whereas with smoke signals, really all we're doing is communicating one bit of information, which is, let's say, whether we won the battle or not. But that could be enough. And in the case of our Marathon messenger, that is all we want to communicate. So we will assume that these two ways are actually equivalent. And we already know that it takes a pigeon roughly half an hour to deliver this message. So the question is, how much time will it take us to communicate the same information via visual signals? And to answer this question, we actually need to look at the sources of latency. So let's introduce a couple of new terms. And the first one is propagation delay, which is actually the delay that we've been focused up until this very moment. So propagation delay is defined as the time it takes for a message to travel from sender to the receiver. So propagation delay is a function of two variables. One is distance, so this is how far the message needs to travel. And then the other one is the speed in the medium that it travels. So we saw earlier a couple of examples where the message was transported by different means and the speed varied, and hence the propagation time changed. So for our avian friend here, it's about 30 minutes. Now, processing delay is a little bit different. And it is defined as the time it takes to process the incoming message. And up until now, we haven't actually encountered any processing delays. And same thing for the transmission delay. So the time it takes to push the message onto the link or the medium, which is a little bit abstract. So let's take a look at some examples. On the one hand, we have our pigeon, and we want to compare them to visual signals. So let's break apart some of the delays in the system. First, we have propagation delay. And we know that the distance is the same in both cases, it's 42 kilometers. And we also calculated the speed of the pigeon earlier, which was 22 meters per second. And we know that the time it'll take the pigeon to make the strip is approximately 30 minutes. So the propagation delay is 30 minutes. Now, for visual signals, the story is very, very different because our signals will travel with the speed of light, which is 300 million meters per second. And if we do our calculation here, we will see that to travel 42 kilometers at this speed, it'll basically come out to be a rounding error in a tiny fraction. So for all intents and purposes, it is zero seconds. Now, processing delay is interesting. Recall that to transmit the visual signal, we needed multiple points along the way, or multiple relay points. So first, we would start by lighting the fire. And then the second person here would have to identify the fact that we're transmitting a message, verify it, and then also light a fire such that the next person could repeat the same process. So the time that it takes this person right here to identify and verify that we're sending a message is going to be our processing delay, or the time it takes to process the incoming message. And let's pick a number out of a hat and say that this will take 30 seconds. Now for transmission delay, recall that this person would also have to light a fire right here to indicate to the next person in line that we're transmitting a message. So let's be optimistic and say that it takes us 60 seconds to light the fire. And with this information, we now actually have enough information to compute all of the totals. So for the pigeon, we know that the processing delay is zero seconds because this guy is just flying directly from the Battle of Marathon to the city of Athens. And same thing for transmission delay. And so with that, we have enough information to calculate the totals. So we know that the total to here is 30 minutes because these are zero. And for visuals, we actually have multiple processing and transmission delays. So let's take a look at that. First, we would need to light the fire, which will take us 60 seconds. Then the second person will have to detect it and light another fire. And then we repeat the same process once more. And finally, we detect it here. So let's add up these numbers. 60, 30, so 90, 150, 180, 240, 270. So that's 270 seconds, which is four and a half minutes. And we can round this up and call it five minutes. So assuming the delays are 30 and 60 seconds, our message will travel six times faster if we use visual signals as compared to our pigeon. And this exercise here is a very good illustration of a principle that holds true for all message systems, which is there are different types of delays or different components for each system. And it is always very important to define what these are because they will add up in different ways for every system.


Hello friends, welcome back to the channel. In today's video we're going to go over some of the best builds that you can potentially put together in your game ahead of the brand new 7-star Terraried event for Eevee, which will be happening later this week. Stornounced off the back of the Hussian Typhlosion 7-star Terraried event, Eevee will be the next 7-star Terraried in our games and happening later this week. The event itself will be running from the 17th to the 20th of November for this weekend in celebration of Eevee Day. Of course Eevee, unlike some of the other 7-star Terrarieds that we've had recently in Scarlet and Violet, probably not going to be as challenging as those but it's definitely something not to underestimate going into this weekend's raid. We're going to start off by taking a quick overview of some of the options that Eevee potentially will have and what the expected set might be going into this weekend's raid. Without kicking us off, we'll start with all the information that we do know about Eevee. It will be level 100, it will have that normal Terra typing and it's likely going to have its hidden ability like all of its other 7-star raid counterparts in anticipation. Probably going to have a held item. If we refer back to the Pikachu 7-star Terraried, that was one of the raids that did have a held item. That one, Mewtwo and it's likely Eevee will have a held item going into this raid. I'm kind of earmarking the Eevee O'Lite as its held item but it could be anything going into this raid but the Eevee O'Lite makes more sense. It gives that 50% boost to its defensive stats making it a bit more difficult to take down. Base speed is going to be 55 so pretty slow Pokemon in general and normally we see with the 7-star Terraried they have around a 30 times multiplier to the HP but again if we refer back to that 7-star Pikachu raid that had a 50 times multiplier to its HP and it probably will be the same for this Eevee so we're looking at around 8,100 for that HP stat that we're going to have to do in damage. Now a lot like the Pikachu raid as well I expect the Eevee raid to have its shield up from the beginning of the raid so it will make it very difficult to take down and it means it is immune to any of those kind of stat luring attacks like screech, metal sound or anything along those lines the shield will block those so you're gonna have to rely on moves like acid spray that can hit through the shield and still affect the Eevee. Now looking through all the options of attacks the Eevee does get access to it doesn't really get many options now last resort is the strongest attack it is a normal type attack as well base of 140 the only caveat is with last resort is it can't use this attack until it's used all of its other options available and then once it's done that it can fire that attack off it is a physical type attack so it can hit for very big damage don't underestimate this moves in the slightest does get access to hyper voice as well another move that it can take advantage of with that normal to rationalization and it does get shadow ball which I do feel it probably will have to kind of compensate for that ghost immunity that it does have with the last resort and the hyper voice otherwise it would be completely useless against any other ghost types so to kind of make up that coverage I do feel like shadow ball will be an option on this Eevee meaning it might make life a little bit more tricky for things like annihilator that will get into a little bit later in this guide stored power is another option that it does get access to so if we see it go down a line of setting up say with something like Carmine that it does get access to that could be something that we do have to watch out for and again give some of the fighting types that we might be inclined to take into this raid a much harder time now status options it does get access to it does get fake tears that's gonna allow your special defense by two stages every time it uses it gets tickle as well which allows the attack and defense at the same time by one stage charm is another option that it does get where it can allow your attack stat by two stages yawn is something that I feel like will likely to see where it can fire off and it is a two-turn move but it will put you to sleep after the end of the second turn from using it and wishes something that I've just thrown on there which could be a little bit problematic which is again another two-turn move but would give it a line of recovery throughout the raid making it just a little bit more difficult to take down but all in all these are probably the most likely options were to see on the EV I'd imagine we will see last resort and hyper voice I'm not that confident that we will see but it's definitely something to consider going into this weekend's raid and obviously it goes without saying just to be aware that we don't know exactly how this EV is gonna line up with its moves with its item choice or how it's gonna interact in the raid exactly until the raid goes live so these are just some suggestions for if you want to put things together in your game but as always it might be worth holding off until the raid goes live and then put something together of course we'll be streaming it live so we'll be figuring out the best solo builds at the time as well as that we'll put up a video after that after doing that initial testing period with the best solo Pokemon to go in this weekend farm it for those high cost items and easily beat the EV just a little precursor before we go into the builds today but I'm gonna start off with a build I really like and it is gonna be coma all coma all gonna be a fighting and dragon type Pokemon it will have the fighting terror type shell bell is the held item level 100 and it will be hyper trained as well of course because without seeing all the builds that we feature in today's video will be down in the description below so if you want to take a closer look at those after the video be my guest and hopefully they'll help out so the coma all like I say level 100 hyper trained shell bell the held I am and the moveset we're going for on the coma was pretty simplistic it's just gonna be sleep talk iron defense and body press here it's probably worth PP maxing the body press as well just as a side note with an EV spread of 252 in HP 252 in defense and the rest put in special defense and the big important thing here for me is if that EV has got hyper voice is the ability soundproof that's gonna give you complete immunity to the hyper voice so you're not gonna be hit by that throughout the raid as long as the EV is using that move and it will have to revert to using something like shadow ball which are really not going to be concerned about at all because comma all has pretty good base stats anyway and obviously with that high defense stat that it's already got naturally it's gonna really be able to take advantage of that body press especially after trust lies in this raid basic premise is gonna be going for that iron defense turn one and then just spamming a body press after that till you can get to us lies and then you're gonna be able to do significant damage to that EV sleep talk is there is a kind of way out if you do get your own so you don't have to really have to worry about going for those heel cheers to kind of recover the sleep turns and just use that and you're gonna have a 50% chance to use the body press all the iron defense both are gonna help you out in the raid anyway and with the shell bell as long as you're doing damage to the EV throughout the raid then you're gonna have a line of recovery so you don't really need to worry about the big attacks coming out like the last resort after an iron defense you're not really gonna be taking too much damage from that like I say with the soundproof ability you're not gonna be taking any damage at all from the hyper voice so even if it does go for the fake tears into it has to rely on the shadow ball to be able to do any damage and that isn't really going to be an effective way for the EV to take advantage of the tracelization that it's got or that normal star boost that it does have in general and of course I didn't mention it does have an impious nature as well just to further boost that defense stat to give that body press a big advantage and the one thing about the EV is it does have access to charm as well so it can go for that it can go for baby doll eyes as well something that we didn't mention both lowering your attack stat throughout the raid and you're not gonna care about that because body press is predominantly relying on that defense stat so as long as your defense stat is in a good healthy position you're gonna be doing good damage and like I say it's the race to tracelizing at the start of the battle and once you tracelize that's when you're going to be able to do that big impactful damage but all in all I feel like comma or a very solid option going into this raid next suggestion is going to be Galarian Zapdos fighting and flying type pokemon tracelization type is going to be fighting going to have the shell bell item again for a line of recovery throughout the raid level 100 and hyper trained and the EV spread on the Zapdos a little bit more refined than usual we've got 252 in the HP stat we've got 24 in attack we've got 184 in defense and then 48 in special defense with an adamant nature the ability is defiant the move set is bulk up light screen knockoff and thunderous kick thunderous kick is a really good one in this raid because it's going to be lowering that defense stat on the EV every time you use it even through the screen so it's really snowballing your damage throughout the raid when you're not even boosting your own attack knockoff is brilliant because it is if we see the EV or light item on that EV it's going to mean you can use that turn one remove that EV or light it's going to mean its defenses aren't as bulky as the were before light screen gives you a little bit of assurance against that hyper voice especially if we do see that combination with fake tears bulk ups just a move there that you have if you want to boost your own stats up through the battle but you can change that for something like sleep talk if that is a threat with that yawn on the EV but there's some options there for the Zapdos and if we jump over to the damage calculator i'll explain a little bit more about the EV spread in particular but if you see with the light screen up you're going to be taking even a minus four so if you use two fake tears on you with the light screen up hyper voice is going to be a three hit k on you last resort is always going to be a three hit k on you so this zapdos pretty matches up pretty well against the EV just going off these damage calculations here but that is the zapdos like i say the build will be down in the description below and definitely something i'll be trying this weekend when the EV raid goes live the next build we are featuring is going to be lorantis and for a good reason because if we do expect the EV to have a lot of these status condition moves where they're lowering our attacks we can really take advantage of that through lorantis especially if we see fake tears if you see baby dollars if you see charm they're all things that lorantis is going to really enjoy seeing so we've got the shell bell as the held eye and we've got the fighting terra type on here level 100 hyper trained as usual with a move set of sleep talk knockoff brick break and superpower we've got the ability contrary which is the big important key part of this lorantis build EV spread is going to be pretty straightforward for this one 252 in hp and 252 in attack the rest put in special defense with an adamant nature now basically any time that the EV goes for potentially a fake tears here instead of lowering your special defense by two stages it's going to boost your special defense by two stages making you able to take those attacks so much easier again if you see the charm or the tickle come out or it's lowering your attack it's going to actually boost your attack so it's flipping all of those status conditions back on itself you kind of pair that up with the knockoff to get rid of any item that the EV's holding especially that EV all I a bit like the glarian zapdos and then you just spam superpower for the rest of the battle make sure you do pp that out though because it's a low pp move and but every time you use that you will be boosting your defense and your attack and stat meaning that you're going to be able to get that kind of momentum swing with this build on top of any boost that the EV gives you from spamming things like those status condition moves that we were talking about before sleep talk is a bit of security in case you do see your own sorts of way around that so you don't need to waste turns on those heal cheers but all in all I think lorantis could be quite an interesting one going into this raid this weekend and I do feel like that contraria ability will give it a bit of an edge but we'll see when we go into the testing phase next up going along the same lines if we do see a lot of usage from those fake tears those charms those baby doll I moves from the EV to kind of get its momentum shift going covenite is a great pokemon to take advantage of in this raid as well we've got the fighting terror type on this one shellbell is the held item all the usual level 100 move set for the covenite is going to be sleep talk iron defense and body press I don't feel like you need anything else there for the covenite for this particular raid EV spread is going to be 252 HP 252 defense with an impish nature and the main important thing for the covenite is to have that hidden ability mirror armor so anytime that the EV does try to reduce your attack or your defense or your special defense with any of those kind of status moves that we've been talking about I'll be bounced back on to the EV it will be lowering its stats instead of ours so that's a really big bonus for us with the covenite the other thing with covenite that it does have in its arsenal is that it is pot steal typing so any of those normal type attacks will not be very effective meaning you're going to be able to soak them up pretty well sleep talk of course gives us that option if the yarn is there from the EV so we can just use that if we are put to sleep iron defense is there to boost that defense by two stages every time we use it it also strengthens the attack of body press as well which would be a main attacking option but again a bit like the coma all we're just going to raise to the point where we can to our slides with covenite as soon as we can do that we should be able to do some pretty sizable damage to the EV especially if you combine that with the iron defense as well to further boost that defensive stat and maximize your damage so covenite it do feel like a very good option going into this raid and of course everyone is going to have one of the next two pokemon very common pokemon and I do think they could probably play a decent role going into this raid the first one we're going to mention is annihilate we've got the metronome item as it's held item fighting terra type on their level 100 hyper trained of course with the moveset sleep talk bulk up and drain punch defined is the ability on this annihilate and we've got an EV spread of 252 in HP 252 in special defense and then the rest in attack with an adamant nature and the reason for so much special defense investment in this annihilate if we jump over to the damage calculator here I'll show you just an example of this investment in action so the shadow ball from the EV even at minus six so if it's used three fake tears putting you down to minus six that will in turn of course boost your attack stat to plus six the shadow ball still will not be doing enough damage to knock you out and won't hit so you're going to be able to kind of stay on the field take that shadow ball and then return with the drain punch and if you do tracelize as well even with the EV like intact you're still doing a very significant amount of damage with the annihilate but that special defense stat especially after you do tracelize you're then taking damage from things like hyper voice and the last resort so you're still going to be able to take those attacks pretty comfortably with that investment and that was pretty much the main reason to have the EV set up like they were just so the annihilate can go toe to toe with the EV throughout the raid and I do think it's quite important obviously the metronome for the most part is going to be there to take advantage of the drain punch that you will be spamming most of the time that's going to be predominantly the thing there that you'll be doing and the sleep talk there just gives you a little bit of security in case we do again see that you own and the last pokemon we're going to feature today is going to be another one a lot of you have and it is going to be iron hands with that fighting terror type going to be level 100 hyper trained as always but holding that clear amulet item now if that EV decides to go for fake tears baby doll eyes tickle or charm it's not going to be able to lower your stats on your side of the field because of the clear amulet meaning that you're not going to be as susceptible to those big attacks that are coming out from the EV and you're still going to be able to kind of keep your damage output no matter what the EV tries to do with the clear amulet intact of course so this is the main reason why to use iron hands I think it's probably one of the better item choices on it going into this raid depending on what we see the EV lineup with of course for the move set we're going to go with is going to be electric terrain that's important because if you get the electric train up it's not only going to boost your cork drive ability or activate that ability to give you an attack boost anyway it's going to give you immunity to yawn so you can't be put to sleep as long as the electric train is on the field freeing up a little bit of space for the iron hands to function throughout the raid we've got the iron defense it gives you a little bit more stability against that last resort that could be quite threatening and then belly drum as well so if you're in a position after your tracelizing to get that belly drum off maximize your attack stat and then utilize that drain punch which is going to give you that recovery it's probably all in all a very solid set against anything that really can come out from this EV this weekend EV spread is going to be 252 in HP 204 in attack with an adamant nature 44 EVs in speed and that means you're going to be able to outspeed the EV by one point meaning that most of the time you should be going before it can move so that's going to be a big advantage especially for using things like the electric train or the iron defense or even the belly drum in certain situations and then four in special defense and four in defense so that is the iron hands build in all and it's something that i think will be pretty solid going into this weekend especially because a lot of you already have the iron hands you already have the annihilator if you don't want to build anything else these two will probably be able to go into the EV raid this weekend and do a quite effective job but i think the most favorite ones that i've got going into this weekend probably comma all and that lorantis i do really want to try both those out and see which one can speed through these raids as fast as possible i have a feeling that the lorantis might be if it performs as we expect on paper be the fastest out of all of them but of course pokemon battles are played on paper they're played in game so i'll have to wait till the event goes live later this week to find out but i hope you found today's video useful if you have let me know down in the comment section which build you like the best and which builds if you've got your own you're planning to take into this EV raid this weekend i hope you found it useful friends do drop a like if you have make sure you do hit that subscribe button to stay up to date with all of our pokemon scholar and violet content and i will see you all in another video very soon thanks for taking the time to come by today take care of yourselves and until next time bye


So you two team keep it clean. What's going on? St. Graven here with another video. And man, I'm hyped right now, man, because my uncle just told me that he is going to come through. He's going to fly down for the Ravens and Dolphins game. And I can't wait for it. But anyway, something that we didn't have to wait for was hearing from some of the Ravens rookies today. Those rookies being Daelyn Hayes, Ben Cleveland, and also Tylin Wallace. And with Daelyn, he was somebody that said that he was a Ravens fan growing up. So being drafted to the Ravens was something that was very surreal for him. So that's a pretty cool experience. Like, can you imagine that? Like, some people that had a really good experience, I would say Tori Smith being from Maryland, going to Maryland and then getting drafted to play professionally for Maryland. So it's like, oh, man, what a great setup. And then, of course, Tate as well, Tavon Young. So the same thing happened with him as well because he went to, what, Temple, I believe. But anyway, Daelyn Hayes, he said that he's looking forward to rushing the passer because that's an easy way to change it. That's the biggest way to change the game. Not an easy way, but that's the biggest way to change the game. And it is because a good pass rusher is very disruptive and what they do can have an impact on so many different levels. Like one, for example, a good pass rusher, you sack the quarterback. If you sack the quarterback, that means a quarterback dropped back to pass and he wasn't able to get the ball out of his hands and he ended up losing yards. So that was a beautiful thing. And then you can cause an incompletion. It can be third and long, it can be second and long. It can be firsts, it can be whatever down in distance but the fact that you cause an incompletion means that the opposing offense, they did not generate any positivity with their yards. And another thing, one of our favorite things that causing pressure can do and getting to the quarterback, you can force them to throw an interception. And when you force them to throw an interception, every time that people watch that highlight, any time that people watch that replay, they say, ooh, oh, that was him. He got to the quarterback and he's the reason for this interception season. So shout out to Daelyn Hayes but probably what was my, what my favorite thing was from his presser today was at the end, the very end. He finished answering all the questions and then at the very end, he got up but then he sat back down real quick and he was like, hey, thank you all for the warm welcome to the Ravens. And I loved that. I loved that. Coach was in the stream too. Coach was like, hey, his people raised him right. And I agree, they certainly did. But that was my favorite part about the entire thing. And that has been one of my favorite parts about hearing from some different Ravens, like Adafi away, he's another one. He didn't speak today but speaking from the very night he was drafted. Like the very night you're drafted, you're supposed to be all hype. You're supposed to be running around. You're supposed to be like, yeah, but Adafi away was straight to business. He was straight to business. His family was in the background celebrating more than he was.  So it was great. Now, next up, the next person who spoke was Tyler Wallace. Tyler Wallace, Ravens, fourth round pick, I believe. And they asked him, I believe it was either Jeff Zrebek or Jamison Hensley, but one of the two asked him, well, how do you feel about being compared to Steve Smith Sr.? Cause that's who a lot of people compare you to. How do you feel about it? And he was like, I'm honored. I'm honored to be compared to a receiver of that caliber. And they asked if he had met him yet. He was like, no, not yet. And they asked him, what about the playbook? Cause you used to play it on one side of the offense. Like, how has the transition been? How was it learning to playbook? Do you think you're going to be able to get it? And he's like, he said it's going to be tough. He said it's going to be a challenge, but he knows that he's going to be able to get it. He said with the terminology, from when he was in college, he said it was usually like one or two words and then boom, go, let's do it. One or two words, but now on the professional level, it's going to be a lot more words than just one or two words. So it's going to take him some time to get adjusted, but he did show full confidence in himself that he is going to be able to fulfill whatever role he's given by the Baltimore Ravens. And when it comes to his time, he said he's going to do his thing. So we looking forward to Tyler Wallace. I know that that is actually a lot of people's favorite pick from this draft. That has been a lot of people's favorite pick, but somebody else. Ooh, monster monster monster. Monster among men. Somebody else who was a lot of people's favorite pick in this draft ended up being Ben Cleveland. And Ben Cleveland, we all saw the video from this morning at the Ravens Drop. We've seen every single picture of this guy. This guy is a giant. He is a giant. Like it does not make no sense. And he even got Braun Strowman looking at him. Like Braun Strowman, that's a giant right there. Even though he done got cut up now, he's still a giant. And he looking at Ben Cleveland like, and he tweeted him, are we related? Hold up now. And they even set up a little thing where he said next time, Braun Strowman said next time he's in Baltimore, he's going to go to Jimmy Seafood. They got to go there together. So it's going to be like looking in a mirror for both of them to, but that was super cool. So shout out to Ben Cleveland. Shout out to Braun Strowman checking in too. But Ben Cleveland, he is again, huge. He said that he didn't really even start paying attention to nutrition until he got to the collegiate level. Because he said back in high school, he said before he went to sleep, he used to eat like two little Caesar's pizzas. Not two slices, but two pizzas, two pies, two whole pizzas of little Caesar's. And that was his sort of nighttime remedy. That's how he went to bed. And I'm like, man, I do the same thing right now, but I'm certainly no Ben Cleveland. But he, so shout out to Ben Cleveland, man, and that diet. Jameson Hensley asked him about the squirrel. What's going on with the squirrel? What's up with the squirrels?  If there was no deer meat left, he said if there was no deer meat left in the fridge, he said, hey, I'm going out to go get a squirrel.  Ben Cleveland made sure that he had something to eat. Ain't no deer meat left? Okay, let me go to the next best animal that's out in the yard, in the forest, whatever it may be, I'm going to get a squirrel. Ain't no squirrels are everywhere. They're in like every state. But Ben Cleveland, I'm making sure I'm eating. I'm making sure I'm filling up this plate. But then he spoke about football. And one of the questions that he was asked, and it's a question that a lot of us have talked about too, really throughout Raven's media, Raven social media, just Raven's talk period, is that a lot of people expect him to be the starter. And I really loved and I appreciated his answer because it was the truth. It was the truth. Ravens are not going to just give hand somebody the starting position, especially on the offensive line. They don't do that. As much as us fans may clamor forward and feel like we know that, hey, this guy needs to be a starter from jump, Ravens don't do that. The biggest example I can remember is from that Kansas City chief left Tackle Orlando Brown, Jr. I remember when the Ravens drafted him, I said, and this was a little before pre-season, during pre-season till I said, oh, he needs to be the starter. I watched him when he was out there. I said, he needs to be the starter. Orlando Brown, Jr. needs to be out there with the starting unit. Did they listen? No, they didn't listen. They didn't start him. And they didn't start him until injuries happened, unfortunately, but then once he started, that was it. They never look back. And neither did he, because now he's over in Kansas City. But anyway, this could be a possible similar scenario to where they're not gonna just hand over the starting job to somebody just because a lot of us feel like he should start. Even maybe some people in the Ravens may feel like he should start, but he has to earn it. He has to earn it. Jobs are not just gonna be given to people, and they shouldn't. They shouldn't. But with Ben Cleveland, when they asked him about that, they said, hey, how do you feel about possibly being a plug-and-play starter from day one? You said, I ain't worried about that right now. I'm not worried about that right now. He said that my primary focus right now is to learn this playbook. He said, I can't go out there and play fast if I don't know what I'm doing. It's impossible. And that's true. You could be as good as you were in college. The pros is a whole nother level. It's a whole nother level. So with Ben Cleveland, I really appreciated that, because again, like I said, it's the truth. The more you know something, the smoother you'll do it, the better you'll do it, that repetition, that practice, that being a student of whatever it is that you're trying to learn, that helps so much, and it allows you to do things a lot faster. Things come a lot easier. And then after you've been doing it for so long, a lot of stuff just becomes second nature. So Ben Cleveland is not like, hey, I'm the starter, I'm gonna be the starter. He ain't even saying he wants to be the starter. Of course, we know he wants to be a starter. Nobody goes to any football team, anything like that.  I wanna be a backup. No, nobody does that. But I appreciated that about his answer. Again, I think the biggest theme for me today from what I took away from these three rookies, Daelyn Hayes, Tyler and Wallace and Ben Cleveland was humility. Humility. Especially being a new kids on the block and them all being not necessarily all later draft picks, but they're not first-rounders, they're not second, they ain't even second-rounders. But they were drafted to this team in order to help this team. And in order to help this team, some of them even this year, they look to have a significant impact right away. But the fact that they know that nothing is going to be handed to them and they're all willing to earn it, and I mean, they got no choice but to try to earn it because it's not gonna be like, okay, you got drafted, okay, here you go, no. But I really appreciate that they know that, they acknowledge that and they're with it. So team, keep it clean. I love y'all, I appreciate y'all and we out.


Hi guys, what is up? Welcome to my channel. So for today's video, I'm going to be reviewing the brand new Natasha Denona Mini Glam eyeshadow palette. So if you would like to hear my thoughts on this palette, as well as see a little tutorial on how I got the look that I'm wearing today, then just keep watching. So this is my second time filming this review because I got a new camera. So I hope the quality is better first and foremost, but I got a new camera and I didn't plug my mic all the way in because I don't know how to use it. So the audio on the one I just recorded, it's just completely not there. So take two, obviously a new background too. I have spent my holiday break completely just reorganizing my makeup area to try and make it a better experience in my videos and all of that. Super excited to finally be filming and have my area ready to create some videos. I haven't purchased any makeup in the last few weeks. That's a lie. I definitely bought Pamograph's entire Star Wars collection recently. Until this guy came up, I just feel like it's off season for new makeup and nothing really interests me.  So this is called the Mini Glam eyeshadow palette. It is available right now to purchase on Sephora.com. If you are new to my channel, I own basically every palette that Natasha Denona has. So I am very well acquainted with her formula and the T on these little guys is that they are too good to be true because $25 versus $100 plus for her regular palettes does seem too good to be true. These are known to be quite inconsistent in that some palettes are really good and some are really bad and they just don't line up with the formula of her regular line. And something also to note is that the value per gram on this is horrible compared to her full size eyeshadow palette. So that's just something to keep in mind. Nonetheless, it is definitely much more palatable to spend $25 for a Natasha Denona eyeshadow palette versus $160. If you know what I'm saying. Online, this is described as a palette of matte metallic and sparkly cool toned golden taupe and neutral shades for the ultimate glam look or the perfect everyday look. The packaging of this is similar to all of her other mini eyeshadow palettes. I love the mini eyeshadow palettes. I love the idea behind that. I love the clear top so that you can see the colors. It's not fancy packaging by any means, but it works and it gets the job done. You have the five little pans, no magnetic closure or anything. But honestly, this is quite sturdy for what it is. I think it's a very nice packaging and it's not too fancy and it just works. On the back, it'll tell you the names of the palettes. Of course, Natasha Denona's information. This is made in Italy, which is awesome. Italy makes some really good products. Of course, we have the five shades. They definitely range in that more cool toned kind of color scheme. This is more of like a golden taupey kind of shade. A light sand color, dark metallic smoky brown, a dark matte brown and a light champagne color. Finishes here, you have two mattes, two regular shimmers, and then this one is kind of that metallic sparkly formula, which I will get more into what that means later on in the video. Overall, how the color swatched was very, very nice. I would say the matte colors swatched the most skippy, but it still wasn't bad. I can tell you right now, based on how they applied to the eyes, that's not an issue. And the shimmers swatched absolutely stunning. I just want to show you here how buttery smooth this swatches with no issue. So right away, I can tell you just from swatching that this is her good eyeshadow formula. This is quite consistent across the board. This shade right here, which is more of a metallic color, you will see that it does flake a little bit more, but it still applies a lot to the eyelid, which is very nice. I think application in this particular palette is quite foolproof. Something that I noticed when I applied the eyeshadows to my eyelid is that the shimmer shades work well with a finger or a brush. I feel like using your fingers kind of cheating with a lot of palettes. You can tell a truly good shimmer formula based on the fact that you can use your fingers and a brush to apply it, however your heart desires. As far as the color story goes, it's not the most unique. I definitely could dupe this entire palette. In fact, I could probably dupe it within Natasha Denona's lie. However, it's really nice to have it all in one for this little tiny travel palette. And it's a great way to try out Natasha Denona's formula if you haven't tried out her formula. If you're looking for a Natasha Denona palette that you don't want to spend a lot of money on and these are colors that you're going to use, this is a great option for you. The formulation in here is consistent with her formula. If you have a lot of eyeshadows, you don't need it, but it's really nice to have. It's very good quality. And these are colors that I personally am very comfortable with and I know I will be grabbing a lot for it myself. What I also love is the mixture of finishes that she chose. I like that there's a regular transition color, a outer corner depth color, and then you have three different depths of shimmers for whatever kind of look you want to create. So I really like the ratio of finishes that she chose. So really quickly, I am going to show you how I got this eye look. I originally had filmed it while talking, but of course my audio wasn't working, so we're going to talk over it now. So the first shade that I took is this color right here. I use it as a really light, beige transition shade. Very great for light skin. Once we get into the medium skin tone, this is more of just kind of a setting color. It's not necessarily going to add any depth and then deeper skin tones range. This isn't a very good transition color, but for lighter skin tones, this does work. It is quite light. And then I went in with the dark brown color and I applied that to the outer corner of my eyelid. And I really blended that out to add the initial depth to the whole look. It blended out very easily. Dark browns can be hit or miss. This is a pretty good dark brown, not the best I've used, but it definitely works very well. I then took this middle shade right here, which is that greygy taupe kind of shade. And I applied that to my lower lash line. I just wanted to test out all of the colors in this palette and that added the right amount of depth to the eye. And don't be afraid to put a shimmer color down there. They still look really good. Very smooth, very pigmented with application. On the outer half of my eyelid, I then applied this color right here to the outer part of my lid. This one is more of a golden shade. It's a neutral gold. It's not too warm of a gold. Really gorgeous on the outer part of the lid. Again, I'm very impressed with how well that applied on a brush. And then I finished off with this shade right here. And this shade I was also very impressed by. It had a lot of fallout because it is a lot more flaky, but it adheres to the lid very easily and pigmented. A lot of times you'll find with flaky shades, they get everywhere except for your eyelid. But now this stuck to the eyelid very well. I just noticed that the consistency was different from the previous shimmers, but it worked very well. So very well done. And it brightened up that part of my eyelid and super simple eye look. And that's what I think is really great about this palette. It is just so extremely everyday friendly. If you're looking for a good work palette, this is great. You can easily transition your eye look into something for the evening. It's foolproof as far as application goes. Everything applied really fantastic. There are no weird formulas in here that Natasha was playing with because sometimes she'll play with new formulas and it's not good. This has none of those weird formulas. I don't think any of these shadows are going to hit hard pan anytime soon, which is something that happens with her shadow sometimes. So this is a good solid palette. Nothing crazy unique, but the quality is there. And a lot of times that is what is the most important thing. So I think she did a really great job with this. I love that you have this selection of colors for an affordable price from Natasha. I did pick out a couple of 5 pan palettes that I feel like could be comparable to the mini glam. So the first one that I chose was the mini nude. So this one has a similar color layout in that you have a transition shade and outer corner shade and then three different depths of shimmers. The shimmers in here are much more foiled and metallic and sparkly, which is something that you might prefer. I like a really sparkly lid. So that does kind of stand out to me. However, the shimmers in here are such a good, creamy, solid shimmer color that it's okay, just something to note. Also the tones in here are very different from what you can see. This palette runs a little bit more warm and golden. Definitely. This one's a little bit more golden than this one. And then the other palette that I have to compare is the camel palette. Now this is her full size eyeshadow palette. And I would say the tones in here are kind of similar because the camel palette does not run extremely warm. I would say the colors in here have a little bit more of a golden-y bronze kind of vibe for the look that you're going to get. This palette is definitely more of a true neutral. Now that being said, with these palettes, you can probably get a similar look with all of them. But just from swatching them side by side, I didn't notice any repeats really. And this palette does stand alone pretty well on its own. Me being a true neutral eyeshadow lover, definitely I'm obsessed with this one. So thank you guys so much for watching this video. I definitely recommend this palette for you guys if it is something that you are interested in. If you have any questions, make sure you ask them down below. I will definitely be sitting down and answering comments on this one. And yeah, if you aren't subscribed to my channel already, I hope you take the time to do so if you're interested. Thank you guys so much for watching me taking time out of your day to watch me. I really appreciate it and I will see you in the next one. Bye guys. Have a good one.


Kyle is the founder and managing partner of Westway, a law firm for social entrepreneurs. He teaches social entrepreneurship at Harvard Law School and Cornell Tech. He's the author of Profit and Purpose and recently released the Entrepreneurs' COVID-19 Playbook, a free 40-page guide to stimulus money, tax breaks, and legal tips to survive and thrive during the pandemic. Every Saturday morning, he sends out the weekend briefing an email on how innovation is impacting society. And I just want to reiterate for all of you joining the call that I will be sending out a recap email to our entire SoCAP Entrepreneur Lister with all these resources that are mentioned during the call and anything else that Kyle would like to share with you, including the playbook, so you will have access to all that information. Great. Well, Sarah, thanks so much for having me. I'm a huge fan of SoCAP and specifically the work you're doing with the social entrepreneurs is so important and I'm glad to be here. And I think my goal today is if I can help you guys walk away with just a little bit more clarity on how to think through this moment that we're in right now, I think that'll be a win. So I'm going to start with a little bit of a presentation and then I'm going to move on to kind of more open Q&A. And hopefully that will spark some really good conversation and I'm looking forward to it. I think we're going to have maybe 10, 15 minutes on the upfront of my presentation and Sarah and I's questions and answers and then we'll kind of open up to the larger questions and answers. So I'm going to start by sharing my screen here. All right. Okay. Can you guys see that? Yeah? We're good? Okay. Yeah. Perfect. All right. So I am just going to walk through some highlights today and what I've chosen to focus on is PPP because that seems to be what's working with social entrepreneurs myself and from the research I've done is the most interesting, popular and most used program of the stimulus. There's some other stuff out there. We can certainly get to in the Q&A if you want to. But this first part of the presentation is going to focus on PPP. So what is this program? The payroll protection program. Here's a quick breakdown of it. PPP is a loan to small businesses. The problem that's trying to be solved through PPP is how can we ensure that people stay on the payroll during this hopefully momentary downtime for our economy? So that's the idea of it is to put money into businesses so businesses don't have to lay people off even when they're shut down. And so how does it work? Well, first I want to say this is how much money has been put into the program thus far in two tranches. Second tranche was signed into law on Friday of last week, April 24th. And the first amount of funding went really, really quickly. We're going to get to some stats on how the money was spent and how entrepreneurs were able to access that money in a bit. But the total amount of money thus far that has been appropriated to the PPP program is $660 billion. There is possibility and I would, if I were going to make a bet, probability that there would be at least another tranche of funding coming for PPP. But we'll get there, get to that in a minute. So how do I know if I'm running a, if I'm an entrepreneur or running a small business, how do I know if I'm eligible for the PPP program? Here are three kind of quick bullet points. If you fit under one of these, then you're probably eligible. The eligibility is pretty broad.  So it's a small business or nonprofit with 500 or less employees. Interestingly, after the program was initially launched, there was clarification that you can in fact apply if you're an independent contractor or sole proprietor. And in either case, you need to have been in operation on February 15, 2020. So if you meet those criteria, then you're probably eligible. So again, this is a loan. This is a loan from the government. It is specifically from SBA. And so what are the terms of that loan? The terms are pretty simple. Actually, really simple for a government program. It's surprisingly straightforward. The amount that you can borrow is based on the amount of payroll that you have. And for a simple back of the envelope number, if you spend $100 every month on payroll, you can apply for a loan of up to $250. So 2.5 times what your monthly payroll costs are. Those payroll costs include the actual payroll money, taxes, benefits, anything else that's put into a compensation package for your employees are included in that principal calculation. So again, it's 2.5 times your monthly payroll. One note is that if you have employees that are making over 100 grand a year, it's only going to be calculating their annualized 100 grand. So if they make 200 grand, you're only going to get payroll. You're only able to add 100 grand of that into the calculation. It's a loan with an interest of 1% in a term of two years. So pretty clean, pretty straightforward. Unlike some other programs that the SBA has, there's no personal guaranteed required. So that means that you don't have to personally sign that you will personally be on the hook if your company is not able to pay this off. I think which is huge. A lot of small businesses are very rightfully so, very leery of taking on debt that they have to personally guarantee. And Kyle, there is a question just in terms of the current status of this PPP program. If funds are still available, people have been chatting that like round one versus round two. Can you give any sort of insight into that? Yeah, it's a great question. So you know what? I want to answer that question. Let's do that in about a minute. Is that okay? I think that we'll have some slides, kind of a couple slides down the line that will be a little bit more speaking to that particular point. I just want to get people on the right page of what this program is. Okay, so this loan is forgivable under certain circumstances. And the circumstances are that you use it for authorized purposes, which are payroll costs, mortgage interest, rent and utility payments, and that you deploy that capital within eight weeks. And you keep people employed during that eight weeks. If you reduce your employee headcount as compared against your average headcount, then you will reduce the amount that you will be forgiven by that amount. So if you normally have 10 people on your payroll and you have to lay off one person within those eight weeks, your forgivable amount will be reduced by 10%, if that makes sense. And then lastly, how do you apply? The way that this program is being put together is that the application is through banks that are SBA lenders, also through some fintech companies such as Cabbage and PayPal, among others. And typically the application process has been online in a pretty straightforward form when the bank's sites are up and operational, which has been a pretty big issue. But the main thing is that the banks can process these loan applications, but it doesn't matter unless the actual capital is there from the SBA's end. So this leads to the question that we had earlier. How is it going? How is the program progressing at this point in time? And I would say that not so hot is the answer. There is a lot of frustration on the side of entrepreneurs. I run a law firm that works with early and growth stage social entrepreneurs. And so I'm hearing that firsthand from my clients. And then I've also done some work, just some survey work around the field. And I put a survey out and had 127 entrepreneurs fill out the survey to let me know kind of what their experience with the PPP is. And if I could summarize the experience in one word, it would be frustration. There's a lot of frustration out there about opacity of the process, and both in how you actually, who you should be applying with and how their application process works. And then secondly, how each applicant is prioritized or not. And there's a lot of underlying frustration there. And we can certainly talk about that if we want to. But I just want to give you some data that I learned from doing this survey about how it's going. So the banks estimate that it will probably take $1 trillion to fund all of the applications that are in the pipeline right now. If you remember from our slide earlier, there's been about $660 billion appropriated thus far. So if the banks are being honest with the amount of applications that are in their pipeline, there's still a pretty significant shortfall of you know, we barely are over half of the applications will be funded. So there's a huge question of whether this, how much gap this next tranche, which was just put into play on Friday and started kind of flowing on Monday. There's a big question about how much need that will fill and how quickly it will be tapped. And we don't know that data just yet. What we do know kind of from the research that I did is that from our small pool of 127 entrepreneurs, 18.2% were funded. So that's over 80% were not funded. That number probably is a little bit higher now as the survey was done last week. And I've got some emails trickling in saying that people have been funded. So let's assume it grew to 20%. Still about 80% of applicants haven't been funded. If our data is representative, I don't know if it is of the whole, that's a pretty small drop in the bucket. And just to give you kind of a insight of how much people are generally applying for, this is kind of the breakdown of the within our subset of people that we surveyed the dollar amounts of the PPP loans being requested. You can see a almost half of the loans are under 50K. And very few of them are over a million dollars. So at least within our subset, these are real small businesses. There's been a lot of critique about businesses that qualify under the SBA rules of small businesses, but are publicly traded or are pretty big, you know, in terms of revenue and headcount. And they are the ones that are getting those loans that are on the five to 10 million or a million dollars and above. And there's some critique about whether or not they they should be SBA has clarified some rules as of Friday to say that if you're taking out a loan, be aware that we may check into whether you actually need that loan. And they specifically use an example of the publicly traded small business that is taking PPP money. So hopefully we have seen some of that money returned. And hopefully we'll see some more of that so that it can flow to some more real small businesses. I'm showing my bias here, but that's my perspective. So just in case you guys are super curious and want to learn more, I've put together a spreadsheet that's sortable by size of company, by non-profit for profit, by bank that they applied for and by whether or not they're approved.  You can maybe even look at your bank and see how many people have been approved from the bank that you bank with. If you're a data geek, you may want to get in there and sort and play around. And this is where I've put that data up publicly so you guys can play with it. And then we can probably throw this in the email afterwards if people are interested in digging further. So I'm going to stop there and maybe start moving into some of the questions, Sarah, that you kind of have queued up here. Perfect. So one of the first questions that I'm seeing comes from Sean and said, if you have not demonstrated revenue or reported a loss in 2020, are you still eligible for either program as an escort? Assuming you are in existence before 2020. But maybe that's what they're saying. They haven't been in existence? Or if you just haven't demonstrated revenue or reported a loss in 2020 is the question. So the look-back period for PPP is from February 2019 to February 2020 or just your financials for the year 2019. So if this person is asking, we had a good year in 2019 and 2020, we haven't done much of anything, that's going to be fine. If they didn't exist before 2020, they are probably not going to be able to access PPP money. Okay. Yeah, and they're in existence prior to 2020. So I think that answers his question as well. And then there's a couple of questions around what round one versus round two looks like. Some people didn't get money in round one, but they're in line for the next round. And the SBA is limiting the number of applications by large banks. Just what are you hearing or what are even for the participants in this group? Like, what are other people hearing? And is there a line? What does that look like? Yeah, it's still unclear how prioritization is happening at each bank. And there have been lawsuits around banks seemingly prioritizing larger loans as opposed to smaller loans. It's unclear whether, well, I will say one judge has ruled that that is an okay thing to do. It's unclear whether that will in the end be the truth, whether or not they were able to do that or not. So taking that aside, each bank seems to have their own process for who they're processing. You'd like to think it could just be a first come, first serve. It doesn't seem that that's happening, but there's no clear data one way or the other on how that's happening as far as first tranche versus second tranche. If you've applied for PPP under the first tranche, you do not need to reapply. You are in the queue at your lender and it will be processed in the same way that they process everything else. They just will have another plug of money to pull in from. I feel like there's one more sub question there, but did I hit all the questions there, Sarah? No, I missed something. I think that answers everyone's questions. I want to just make sure for Neil Newman, if that answers his questions, because he had another sort of in terms of there's been adjustments made to the PPP program so that actual small businesses would access the loans. How effective do you think those changes will be in getting money to the businesses that actually need it? I think that as I alluded to that there is more clarity on that specifically seems to be targeted at larger small businesses. I think that that will, what the most recent Treasury guidance on Friday said is that if you take this money, we want to remind you that you're certifying that you have economic need for these loans. What the Treasury has said is, for example, if you're a publicly traded small business, we may come back and ask you to certify, and we may ask to come and look at your books to see if you actually have financial need for these loans. They also said, if you want to return the money before May 7th, we will call it all good, no harm, no foul. But if you keep the loan after May 7th, then we will look into your books to see if there's a real economic need here. The other thing too that is kind of a sub point that maybe is worth mentioning is that a certain chunk of PPP this time around was, I believe that was 60 billion, was earmarked for smaller in community banks. The hope here is, though I don't know if this is actually true or not, the hope here is that folks that have harder time don't have relationships with big banks or have harder times creating banking relationships that they're, these smaller banks may be able to serve them better. I don't know if that's true or not. The data I've seen, I just saw one quick report that said the likelihood of people of color accessing PPP funds are significantly lower due to a couple different things, and they kind of extrapolated those business owners that are people of color that have significant inconsistent banking relationships relative to the rest of the population, and they extrapolated out that there's a pretty significant disadvantage to being a person of color to access these programs. Great, and then one more clarifying question is sort of, is there, is there a line to be funded or do they put everyone in the same pool? If I apply tomorrow, do I get the same fair treatment as someone that applied three weeks ago, for example? I don't know the answer to that. Each bank seems to have their own way of prioritizing, and so my answer would, my guess would be that you'll be in the same criteria that that bank uses. So a bank of America, a Chase has their system, you'll be put in the system in the same way that anybody else would. There's no reason not to apply at this point in time if you haven't applied yet. If you have applied, it's kind of unfortunately a little bit of a cross your fingers and hope. I do know that a number of folks are making applications at a major bank, for instance, and then also a fintech company to see which process works through quicker.  You have to take it from one or the other. Otherwise, that would be fraud, which we would not want you guys to commit. And for independent contractors, do you have a good feel as to what they report in terms of payroll, since most don't have payroll per se? Yeah, so they'll be looking back at your past 1099 schedule C as the document to understand how much money you've made. And I've got 12. We'll let these questions finish up, because I've got a couple more that I've been hearing a lot of, and this touches on one of those questions. I can get into a little bit more detail. And the last little mini question before we launch into the next section of the Q&A is, can you apply to more than one bank? Yes, you can apply to more than one bank. You can't accept more than one bank. So if I own a business, Kyle, but I don't take a salary, can I still apply? If so, how do I calculate payroll? Yeah, this is a great question. I'm going to pull back up my presentation for this, because this is one that has been, lots of people have been asking, boom, there's the question right there. So if you run an LLC or an S corp and generally pay yourself not through payroll, but through distributions, you can count that towards your total payroll costs for purposes of calculating loan size. You'll need supporting documentation to prove this. This is kind of guidance from Treasury is saying this, the question I think that individual banks are having is what documentation is enough documentation to show that this is actually true. And one email I got actually this morning a couple hours ago was noting that an S corp that does pays themselves through distributions and takes a low salary, made the application, they were funded. And the one thing that was a wrinkle in their kind of process was what documents should we rely on to prove that you actually were paying yourself this much. They used their K1 and it helped that they were doing these distributions on a regular basis, but it wasn't just ad hoc seemed to help. But the bank required them to sign a lot of forms saying that we are not taking responsibility. If in the end, the SBA and Treasury chooses to say that this is not proper documentation, we are not taking any liability for relying upon this documentation. So I think that banks are a little bit leery, but we have been hearing folks in this position get funded. So that's good news. I think each bank will take their own process for how they answer that. And we do have a couple more questions coming in that are a little more there about sort of eligibility.  Meaning sweat equity as in four partners plus legal costs plus one consultant to total six employees. Yeah, it calculates on how much the business is paying out to people. So the answer is no. If you don't have any proof that you have been paying people, they're not in the business of calculating how much sweat equity is worth in your company. So the answer is unfortunately no on that one. My understanding. Is there an easy way for people to check the eligibility of the stimulus check and like to see if they're eligible? I'm stimulus check. I just want to make sure that we're not talking about something else now because they're, yeah, are those, is that something different than PPP? I just want to make sure I know what we're talking about. I'll wait. It's an anonymous attendee. I think it's, there's two different things. Yeah, go ahead. I'll just say just one quick note on that. If I think I understand the question properly, there is the personal stimulus check. People are coming to stimulus check of $1,200 that is being cut to individuals, not to companies. And that is all based on how much income you earned.  And I don't know those numbers off the top of my head, but I do think that once you get to 150 of, if you've earned 150 or more, I believe you get zero and there's a sliding scale down. Yeah, that's my understanding of how it works. And if you've previously applied for PPP through, for example, a fintech company or have signed a loan document, does that mean you're funded? Or is it just another step in underwriting? Well, it would depend what that document is. But if the document is that you have been approved here, the terms, here is the term of the loan, here's the promissory note that you need to sign, then you have been approved by your lender. And oftentimes they won't get to that step unless they actually have the funding to fund. I typically speaking once you have that step. And if the company, if the funding is in place, they're the Treasury rule state that it shouldn't be more than a 10 day gap between approval and actual, the funds in your account. And at what time should I start closing more more? Oh, sorry. That's a different question. So, what happens if I have to let go of employees after the eighth week? That's kind of our next question. I think this will help a lot of people with questions that are coming in right now. What if I have to let employees go after the eighth week? It's a good question. The terms, as I understand them on PPP, dictate how you spend the PPP capital and how you spend it determines how much of it is forgiven, right? So, if I take a loan out for $100 and I spend all of that $100 in an appropriate way, then $100 of that $100 will be forgiven. If I don't spend it in an appropriate way, there's a smaller chunk of that that will be forgiven, meaning I will have to pay off the rest of it. So, one of the terms is that you have to keep the same headcount as your average headcount from last year or more in order to have that loan amount forgiven. So, the time frame to have that is for eight weeks. The idea here is hopefully two and a half months of payroll will allow you to pay people for two months and have a little bit of extra money to pay for other authorized costs. But if you take the money and then you cut people right away, then you have to pay back essentially the whole thing. After the eighth week, the clock stops and what the look-back period for forgivabilities purposes is those eight weeks. So, they care about what you did with that money, how you spent it within those eight weeks, and if you spend it properly and then on the ninth week, you're like, we tried, we did the best we could to keep people employed, but now we're not able to anymore. You're not going to be penalized for the activities that you take laying off people, etc. on the ninth week. I want to just check in with all of our participants to see if there's any final questions, comments. There are two more frequently asked questions that I have, Sarah, if you want me to queue those up. So, another popular question is, is it possible to qualify for loans under both the PPP and EIDL? We have not talked about EIDL at all on this call. I'm just going to make a quick note of it and if there are other questions that are sparked from this, please put them in the chat. EIDL is Economic Injury Disaster Loans, and it is a loan program also by the SBA. It's an existing loan program that didn't start from the CARES Act that had existed beforehand. It's historically been used in times of natural disasters, etc. The short short short of this is that typically for most entrepreneurs, the EIDL is not as favorable as PPP because none of the EIDL loan amount that, if you're approved, none of the loan amount is forgivable. So the great thing about the PPP is you could walk away with not having to owe any money back to the government, which is a huge thing for small business. EIDL you should think of as a more long-term solution and it is a loan that is a can be up to 30 year loan term and is at a low interest rate, but you have to pay it back all of it. You can apply for both EIDL and PPP, but you cannot use the funds from both loans for the same purposes. And the way that you'd want to use the funding is use PPP funds for payroll and then use EIDL for non-payroll costs. If the EIDL is used for payroll costs, your PPP amount will have to be used to refinance the EIDL. You don't want to get into that. If you take both, keep those separated and use PPP only for payroll purposes. Okay, yeah, and here's another popular one I've been getting a ton of. My business uses independent contractors not employees. Can I count their wages as payroll? My business does too. Great question. And the answer is no, you're not allowed to count the amount of money you're spending on independent contractors as payroll. However, the SBA allows independent contractors themselves to apply for PPP. So my recommendation, I literally was working with a client on this three hours ago, my recommendation is to, for the business owner, is to help your 1099 independent contractors work through the application process, make sure that they can apply for that PPP capital themselves, and then they'll have eight weeks worth of payment coming to them from the government directly. I think that's all of my FAQs. Yeah, I think that's right. And there is a couple of questions sparked from those two FAQs. Kyle, so thank you so much with the first one is going into a little bit more of, if I don't have a commercial lender or someone like that at my bank to walk me through the process of what I can do, where can I get this assistance, where are there other resources? Right. Well, first of all, my understanding is it is incredibly hard to get a commercial banker on the phone these days. So I want to say you're not alone. And it's very, it's very normal. Most people I know that have applied for this haven't talked to a banker at all. Interestingly, some of the folks at, that have had an existing relationship at a small community bank, have actually been able to have a human work, work with them through the process. But I just want to say that that's the exception, not the rule. And the applications themselves are pretty, are fairly straightforward, fortunately. I've seen a lot of them from a lot of different banks. And it's not, it doesn't take a rocket scientist to figure out how to answer these questions. It's a pretty simple online form to fill out. As far as resources to understand and understand how to calculate, specifically, there's questions around how do you calculate payroll? Some of, if you have a payroll provider, for instance, if you're working with gusto, or if you're working with just works or somebody like that, they oftentimes will have a downloadable packet that you can use for PPP purposes, which is a really nice resource. And then, I would say that the playbook that we put together has a lot more granularity than our talk has given today. And the feedback that we've been getting from thousands of people is that it's actually readable. You can actually understand it. So I would recommend those two resources. And then with the EIDL, wasn't the first 10,000 forgivable or given as a grant? There's a lot of confusion around this. The answer is, I think the intent was that that is true. And there is the amount of people that have been really pissed off because they're like, where's my free $10,000? Because that is definitely the way that it was marketed at the outset. It does not match the reality, which is that they, surprise, surprise, free money is really popular. And so they were pretty overwhelmed with the system and what they ended up doing is saying that, okay, so this $10,000 grant is the way we're going to apply that is that we will max it out at 10,000, and it will be 1,000 per employee that you have. And there's a question around whether if you get approved, whether or not that 10K is rolled into the overall principle of the loan or it's not. I think intent was that it's not, but I don't have enough data to know that that's how it's actually being executed. And what is the maximum amount for PPP and for EIDL? Is it 2 million or is it 10 million or is it 20 million? We've heard all three of these possibilities as possibilities. Yeah, I am trying to remember EIDL and I don't remember that I've stopped in my head. For PPP, it's max of 10 million, 10 million max on PPP, and that's all based on payroll cost. So you'd have to be a pretty big company to have payroll costs, you know, two and a half of your months that put you at like $4 million a month payroll, something like that, or $3.5 million a month payroll. So you could max out there, but it's you'd have to be a pretty big company to hit the max. So I just want to note to everyone to get in their final questions, since we have Kyla as a captive audience here. We have a specific one from Teevon about sort of if the damage to Coronavirus is not today's cash, but loss of a contract and that had future value and the loss net present value is significant of like a $5 million loss in present value, can that count as a loss or cost or disaster? If so, what discount rate do we use to recognize this loss in today's value? I'm unclear what that that is in reference, is that it's just like, is this how I adjust the, like this is a financial question about how this reflects in the valuation of my company? Yeah, so basically, they said I have in, yes, yes, basically. Yeah, the answer is any shot at answering that that I would be giving would be just like taking a taking a shot. I'm probably not the guy you want to turn to to run your bucks. So I'm going to pass on that one, just realizing my circle of competence and realizing that's here and I'm here. Yeah, exactly. Thank you, Pram. I know this is just speculating, but do you have a feel for us to whether there will be a third tranche for PPP? It is speculation and I do have a feel. I'm betting yes. I just, again, surprisingly, free money is really popular and it tends to play well to both Republicans and Democrats right now. So there's no constituents are overwhelmingly in support of this and that means that senators and congressmen are as well. We'll see if that support wins. It's really interesting to me as if I can give a side tangent that there is, you know, we're definitely in a very Keynesian moment right now and the amount of money that we're printing is insane and it's really interesting that it's happening under a conservative, quote unquote conservative government, although that's from an economics perspective. It's very interesting to see this amount of money being printed. I think it's going to be really interesting to see globally how this impacts all of our economies. We're all Keynesians now. Yeah, exactly. And for that, if you were to speculate for a third tranche, any idea of how much that might be? Pure speculation. Yeah, well, let's keep speculating, right? Why not? So all the first tranche was around 350, second tranche was 310. And so I would imagine a third tranche would be in the 300s as well. We'll see. It's kind of see how far that that gets you. They just want to really, the unemployment numbers are spiking like crazy right now. Like we've never seen before in history. And we want they just want to do everything they can to blunt those numbers. And this is one way to do it. And I have a crude cost to pay people in 2019. And in January 2020, can I use this as proof of paying employees and can that and can then do their 2.5 x their cost of for PPP is the question? I don't know if that makes sense. I think what I'm hearing is that they they're they've accrued costs, but they haven't paid them. So they've accrued payroll costs, but they haven't paid those payroll costs. And I don't know how that's documented. I would guess that the answer would be that I would be very doubtful that a bank would would rely on that as proof of of salary. So I would say it's unlikely. Typically, you see like a W3 or a 10 for 10 41 or 10 to 44 form or a report from your payroll provider as the key documents that that are being used. So I would be surprised if that would that would work. And just in terms of your own perspective, based on your your experience, how do you believe small businesses will fare coming out of this? Do you expect that most will survive? No, I don't expect most will survive. Most I expect most will survive. I expect more than half will survive. I think that there will be a good chunk that will not. And I have no doubt that a lot will downsize become a little bit more lean and understand a little bit better about where they can actually make their revenue. And then it'll take a while for them to hire back up. What I've been seeing just kind of rough, rough numbers is about a 30% hit on most kind of small businesses that we're working with to revenue. And it depends on how fat your margins are and how kind of lean lean or not lean your cushion is as to whether that will mean headcount reduction for your company. But I think expecting 30% or more reduction in revenue is a really good expectation. And kind of just finally finally to sort of start wrapping up our conversation today. I'd love to hear from you just any sort of final thoughts and insights that you have that you think would be useful to share with the group. Sure. I guess I just want to say that if you're on this call and you're a business owner, this is a pretty uncertain time which brings up a lot of fear. And I think it is easy to make snap judgments or make decisions out of fear in this moment. I think that the people that will survive and thrive in the long term will be able to take a breath and ask the questions, what am I actually delivering to my clients? What's the value that we're actually creating? How can we do that better even in this moment than we have in the past? And I think the folks that are able to answer that question will survive and will be stronger when this whole thing dies down. And so those are the key questions. Obviously the question that we've been talking about today is a very tactical question which is how do I keep people paid in the meantime? Very real and practical question. I think the bigger questions are how can I provide value? How can I show to my client, to my customer that what we're doing is adding value to their life? So I'd say the question to be focused on is that right now. And any sort of final thoughts in terms of just reiterating resources where people can go, other sort of financial support for, you mentioned the independent contractors, just to reiterate that. As far as resources go, this is a warning, plug coming. I'm about to plug my own stuff. So this playbook that we've put together is a really good resource. It's free and it's pretty in depth. It talks about PPP, which we talked about today, EIDL, and it talks about tax and a little bit of legal stuff as well. So it's a pretty good bundle and pretty skimmable and you can dive in in sections that are meaningful to you. But I bring that up as a good starting point. The reason why I bring that up is because if you will have a link that you can go to to download that, if you go there and download that you'll also be put on a mini little email then putting together with all of the updates as they're coming out, typically two emails a week of like the new stuff that is important for you to know. So the stuff in the playbook is good, it's solid, but it's also stale in some ways. So the benefit of signing up is that you get the fresh content as it's coming out in fresh analysis. So that would be, I think the resource that I would point you to, to give you both the basis and the most current news. If you don't feel like going to SBA's site and clicking refresh and then reading through their PDFs, I can do that for you. Yeah. And I think just a final question from, you know, us at Intentional Media and SoCAP and Spectrum and all the things that are coming up, the events that are coming up that we will share in our recap email as well so you guys get all the information and resources for upcoming events and webinars. I'd love to just hear from you any sort of insight in terms of how you think in a positive way this whole situation is going to benefit the ecosystem and maybe benefit small businesses in the long run just to kind of end in sort of a positive a positive note as well. You're asking me, Kyle, find the silver lining please. You know, my hope is that this moment will allow a resurgence in conscious consumption, that there will be a higher level of intentionality and thinking in our purchases coming out of this. Maybe we'll be consuming less, but maybe consuming better is kind of my hope and that it will allow consumers, clients to ask the question of like where, who are the valuable companies that I do want to kind of give my dollar to? If there are less dollars to go around, how do I want to spend my money? To the extent that we can be an answer to that, I think that that's a huge competitive advantage truthfully coming out of this. Well, thank you so much, Kyle. We really appreciate you taking the time to speak with us today. Again, we will be sharing all of these resources presentation with everyone who has participated in the call and people who weren't able to RSVP. Also just a shout out, you know, if you have, if any of you have an idea for a small virtual event for our series, please email us at info at socialcapitalmarkets.net. We'll also include that shout out in our recap email. So thank you so much, Kyle. Thank you for everyone who was able to attend today. And we look forward to being in touch and using all of the resources that you've presented during the call. Thank you. It's been a pleasure. Thank you, Kyle. Have a good rest of the day. Thanks, everyone. Thank you, Sarah. Take care, everyone. Take care.


Take another Twitter question. Megan Stone, the president of the Malala Fund, asks, what about your time as a young student and activist? And does that inform your work today for the rights of girls and women as a first lady? The thing of women's rights, I am all for women's rights, but I never talk about women's rights because women are part of society, look at you. There are women, there are men. You know, this is what society is. We are all living together and families cannot happen unless there is a woman and a man together.  I think respecting the human dignity of every human being is extremely important, and that's usually how I couch my activities.