We got a whole bunch of whole big crowd of people. Yeah, look at all these people. Good morning from everywhere. And we were, people were talking about where they were from. So there's a lot of West Coast US conversations going on. Mary Slutty says she's researching 1920s North Carolina. Don't know why specifically 1920s, but that's cool because I've done some research on 1920s North Carolina a bit. Nice. I'm a young tiner. Hey Chris Ferrielo and Mary Slutty and Susan Anderson Judy Stutz. Susie Carter. Hilary Gatsby. Hey from Wells. Chris Ferrielo. Jeanine. Let's see. Lynette. Whoever I missed. GSL. Did you say GSL? Home coffee and a veg bite sandwich. What's that? GSLs from Queensland. Yeah. Australia. Yeah. We're glad you're here. Yeah, welcome. Good day. Good day. Good day. Good day. Hey Janet. Janet shocked me one time.  Oh, yeah. I was like, yeah, Janet. That's nice. Janet is an Ontario area. Another Ontarian. Yeah. Ontario. Yo. Yeah. Yeah. Good day. Yeah. So, uh, we do have a commentary. Somebody asked if we could figure out how to turn on closed captioning for our live cast. And we were there. Can you sign language? Can you sign? Yeah, no, I can't. Sophia knows to knows eat. I want more milk. It's been a long time. We can't we've we've looked at it. Betsy co looked at it and we can't turn it on in the program that we used to do. This, but if you have a YouTube account or even if you don't, I think that you can turn it on for yourself during the live cast or after the live cast. You can turn it on in YouTube for yourself. The other problem is that we we do this kind of stuff. It's kind of hard to do closed captions when you're live a B. We're often putting stuff up on the screen for you guys to see. Like Sandy, my favorite Appalachian. There we go. Actually, you're not. I have a way more family than you. They wouldn't as the Appalachian favorites. But so we can't do that kind of thing and have the closed captioning going at the same time. Be hard. So if you have, if you're watching in YouTube. Turn on your closed captioning there. We hope that you can. And in the meantime, we're going to try and figure out if there's some way we can figure it out. It will be hard to do the way we do it. And Judy Stutz just said it's not available during the live cast. That's what we thought. Yeah, that was my conclusion. But after. Yeah. After you can do it after. And it'll, it'll scroll over the top of whatever we post. So. Oh, isn't that sweet? Sandy. Oh, Judy said she says she's looking at the closed captioning. It's all grayed out. So there you go. Sorry. It says unavailable. So people are looking. Thank you for checking on that for us. Greg. Who are you? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Who are you named for? Are you named for anybody? Am I named for anybody? Oh, well. Your original name or your, your adopted name? Well, my original name was Kelly John Douglas. So Kelly is a very, very Scottish sounding name and Douglas, the Douglas family was originally, I'm pretty sure from Scotland, but, you know, the ones that we've tracked have, were from County Wexford, Ireland. But I'm pretty sure, you know, before that they were in Scotland. So there's probably a Scottish connection there. Yeah. But the Gregory part, the Gregory Patrick, now Patrick was my dad, my adopted father's first name. So my middle name was named for him. The Gregory, I'm not sure where that came from. Cool. How about you Betsy? Well, my mom knew that she really, really wanted to use the family name Tudor as my middle name. And so she thought, well, what goes well with Tudor? Elizabeth. And then she got me back. I was like five back from the hospital. I was like five pounds, 10 ounces. And she said that's too long a name. So there had been a hurricane Betsy, like two years before I was born.  You're crazy. I named after my great grandmother, my great grandmother Mackie Mollil, who was Nancy Margaret Mackie Mollil. So Margaret's my real name. And I'm also named after my great grandmother, Margaret Allen Compton who was, it was Margaret Alley. So she was my Alley. And whatever I said that to my maternal, those are all my paternal great-grandmothers. Whenever I said that to my maternal grandmother, who was the genealogist in the family, she would say, well, you know, we have Margaret's on our side of the family too. I went through and I did some stuff so I'm going to add the question of the week starting the question of the week. Yeah. We have a great question. Who are you named after and I wanted to, you know, in keeping with stuff going on today for the Scottish people. Nice. I went to, I did, I typed in Scottish naming patterns and it came up with this list. Okay. So if you follow all of these different things, the first name was named after the father's father. And that's the same. The first daughter was named after the mother's mother. That kind of thing. So I was named after my great grandmother. So I'm the third or second daughter. So I was named after my father's mother. I was not my sister was named after my father's mother. So we don't, we don't fit the Scottish stuff. So maybe I should go over to, let's see, I would have been vinyl if they had followed that pattern. Yeah. So we go over to the Irish naming conventions and so the second daughter is named after the father's mother. So it's very similar. Right. So just for fun, I typed in, oh, let's see, Swedish naming conventions. So you can do this in a Google search and you can find out this information. So that's, that's interesting to see. I also just for fun, Indian naming conventions. So that's fun. And then of course we have the Scottish. The other thing that I thought was funny, if you've ever read one of my favorite books and I've talked about it before on the show, Albion Seed, four British folkways to the Americas. I can't ever because I have it on fuzzy. Oh yeah. It really goes into great detail about the Appalachian folk and how we took on the accent and the names and the nomenclature for things from the hinterlands or the borderlands of the UK, the west of Scotland, the north of Ireland, the north of England and the south of Scotland. So those areas. So that's a lot of fun. But I also decided to look at why, why is it people named people Betty Jo? Why do we have double names in the south? For me that she thought calling children by the middle names was a southern tradition. So my family, my brother is his, all of his names are surnames. Oh, listen, we've got music with this. No, this is from Country Living Magazine. But it doesn't give a definitive answer. No experts on the topic, but not only that is everybody in my family, but me goes by our middle name. So when my father went to get his, his most recent passport, because of 9 11, they changed it, you have to use your first name only. And so he's gone by Earl, which is his second name. So now he has to go by Fletcher. Because that's his first name, but he was always called Earl. So yeah, that's just a funny naming convention. So who are you named after? I, I went through a lot of these. I've read through every single one of these. There's 77 answers, great answers, lots of them. A lot of people were named after movie stars. Eddie, Grable, you know, the very first answer was Susan Hayward. Susan Therrierej. Sorry, I'm going to mutilate some names. F says my grandmothers, both my grandmothers. And her christening mother, F needed to tell us what that is. Like her, her godmother, right? Oh, there you go. John, thank you. Yeah, yeah, I was named after two of my great-grandparents, grandfathers, John Vasky and Theodore Seyford. But he doesn't give us his full name. So I'm assuming it's John Seyford Vasky. I don't know. Or is it John Theodore Vasky? It should say on his profile. It should say. As long as there's a middle name now. And we do have computers. People go through here and upvote these things. Also upvote our video. That's great. LaRoy, Kay Smith. My middle name is LaRoy. After Luther Pierce, who was adopted, he died on D-Day. As far as my first name, that was trending. Thank you. Nobody, my mother just liked the name Eric. And I like, I love this one, Janine. Janine Isleman. My first name was from a pen pal. My mother had in high school in the French class. There is Miss Janine. Can't really read the last name, but isn't that great? Butroi? Yeah, butroi, I can't tell. Wow, that's really cool. And of course, of course, Peter was named for Peter, one of the three pillars of the church. That brought up a lot of talk back and forth, which was great. Dorothy Hare was named for his her dad's mother. Let's see. So there's lots of great questions. And in a lot of the stuff went that the best part of being named was when you were named for somebody in your family that you could identify. And then there were the people that were named for movie people. I was named. My middle name is for the principal of the high school my mother taught at. And this is me, me really telling that story. So that's my middle name. Who knows? I met the man once and I was in the crib. Oh, Roger Stonk says, I have the reverse issue. My father's favorite male name was Roger, which is why it is my name. That's interesting. I like this one. The spider from the E.B. Webb White. Oh, sure. That's well. Well, yeah, yeah, yeah. Yeah. And I'm named for four people. Lisa, Ida, Kathleen, Makum. There you go. Ida and Kate Catherine. So I don't even see I didn't see Lisa. Did she sneak in? Oh, let's see. She's been here and she says that's the addresses for my mother's French book, which I still have. It was written on a blank page in the book. Isn't that fun? That is fun. And then Tabor says to to Lisa, my goodness, I hope you never have a sister. Your parents already used up all the names. Let's see. I don't know. My mother put some names in a hat and out came Lucille. So there's a lot of yes. I always like saying Lucy's name. Yeah. My mom. I was named for my mother. So there are all these great answers. Lots and lots of great answers. But I'm not going to go through them all. But I did. I did. You did. I picked a favorite and where did it go? Here he is. My full name is John William Tyner. My first name is after my grandfather, my paternal grandfather, John Victor Tyner, who died nine years before I was born. My middle name is after my maternal Welsh great-grandfather, William Cecil Williams. Who was a professor of music and church organist for St. Mary's in Tindy Prypt, Pembrokeshire, Wales for 37 years from 1895 until he died in 1942. There's a plaque dedicated to him in the church. It's the same church where my grandparents married in 1935. Now, I'm not saying that this is the best answer. There are quite a few best answers, but this one encapsulates the majority of the people. And I like John. So guess what, John? Yay, John. Yes, answer. There you go. It encapsulates everybody's...  My grandfather, Cleveland Hunt, was named after a little boy who lived in the neighborhood whose name was Cleveland. What a weird name, but his nickname was Clee. So I'm gonna tell Alan the next question or the next question should be where did you get your nickname? I've got some stories on that. I've got a couple. I've got two nicknames. So that is the question of the week. Wow. Wow. And look, we have enough time to do everything we have to do. Are you sure? Just saying. Okay. Well, let's see, I better share my screen then so we can start on the... Welcome. Yes. Hi, Vintage 79. Hey, my first aunt, where have you been? We've been here for years. We're looking old and gray, waiting for you. There we go. Let me just zoom in a little bit here. There we go. So the theme this week is Scottish Notables. Who are you most closely connected to? Cause Robbie Burns Day was just this past week on the 25th, I believe it was. So, and there's a list of a bunch of famous Scottish Notables that we're going to go through. But just like last week, I thought it'd be kind of fun to put the places on the map so you can sort of see. So if I zoom out, you can see there's Scotland at the top of the United States. See, we do prepare for the Saturday roundup. What's that? We do prepare for this livecast. We do, we do. So I actually created my own little mini map here because in Google Maps, you can actually create maps. So I've created one that just for wiki profiles for Scottish places. And... What are you doing there, Betsy? What did you just have in your hand? Oh, Edinburgh, okay, here we go. Yeah, over there on the east coast of Scotland. There we go. So those are all the places we're going to go all around. Now, interesting, there's not a lot happening in the very centre of Scotland. But at least none of the profiles were from here, but we're on the other side. So let's just have a boo at some of these. So Robbie Burns, who's my 20th cousin. Eight times removed. And so this is neat. This feature here is because of the wiki tree browser extension that's there. And you can see I descend from at least two different branches to Robbie Burns because it's got us 19th grade grandfather and then there's another branch, the 20th grade grandfather. So that's kind of a cool feature of that little extension. But anyways, Robbie Burns, Robbie Burns was born 1759 on the 25th of January. And so that's what we just celebrated in Allaway. And he passed away in Dumfries. So if we look at the map there, if you just you're wondering, where are those places? So Allaway is there and Dumfries is here. And both of those are in the southern part of Scotland. In fact, Dumfries is very close to, you can see the line here that separates Scotland from England. You are 20 degrees away from him. And so is Betsy. And so is Betsy. I'm not sure who my, I can't remember who my closest one this time. There's one who I'm a fifth cousin with, multiple times removed. But multiple, like 25 times removed. No, but you're really related to somebody for this week. No, I wasn't, I'm not really, really related to somebody. Though, well, there's another connection. We'll get to that in a sec. I'm 19 from Robert Burns. Robbie Burns, Scottish poet, lyricist, widely regarded as the Bard or the national poet of Scotland. So he was born in the house that his father built and lived there until he turned seven. And then his father sold that home and moved somewhere else. His father was a tenant farmer and a state gardener for the, from Dunator, Dunator.  I mean, tenant farmers did not do well back then. And so he spent his youth in poverty, had a difficult childhood. Don't think he got along super well with his father based on some of the things that came along. For example, now interesting part of the biography here, he loved women and had children with several during his life. I thought, oh, wow. Okay, let's not hide that fact at all. Let's just celebrate that. His first child was with his, was it with a relationship he had with one of his mother's servants? So that's interesting. Yeah. His second and third children though were twins. They were born with a relationship with genome armor who he declared on paper that he wanted to marry. And Scotland had, you can get married in multiple different ways legally in Scotland, or you could, I don't think it's still the same. Didn't have to be a church wedding to be an official marriage. So this probably was enough to actually count as a valid marriage, I think. But his father destroyed the paper. So it didn't take officially, but, and so she was sent away to live with Runkle. But despite that, they did eventually get married two years later, and they had nine children all together. Sadly, only three of those survived. But, and we'll just skip the next paragraph there because that just, well, that's interesting. But I won't, let's not dwell on that. But yeah, he wrote poetry but he took a different job to escape the farm. He became, where is it here? An excise officer. Just to make sure he could stay away from the farm. He worked to become an excise officer. And one of the things that is said that identified him, why he was so popular was because he stopped writing. He marked the end of the era in which poets wrote in their ancient vernacular. And then shifted towards writing in English. But he was lauded as a sort of an everyman and very popular. So of course, one of the most famous poems that he wrote, which has been sent to music is Old Lang Syne, which we sing on New Year's Eve or on Hog Money.  That's a familiar one. Some of these other ones you might be familiar with as well, so there we go. But he died young, only 37 years old of rheumatic fever. Or possibly endocarditis, according to this. So interesting. And this is an interesting profile. It's got lots of neat pictures and images that they've added, so that's cool. And this timeline, the handy timeline, where a very sad thing at the end of the timeline. So he died in 1796 on July 21st. His youngest son was born on the day of his funeral. So his wife was pregnant when he passed. Well, he was only 37. So that's not, it's not unreasonable. It's sad though. That's a whole life for somebody who passed away at 37. He did, yeah. And remembered like for the ages, right?  He's a cousin. Yeah, he's my. Probably closer than 20th though, right? 13th cousin. Oh, there you go. The next one is a Canadian. Woo-hoo. He's my closest. What's that? He's my closest. He's your closest? Yes, 19. He's also one of your closest too. He's 20 from you, Greg. He's 20 from me here as well. Yeah, not a cousin though, but he was born in Scotland in Edinburgh. So, and of course he was, he's a Scottish born inventor, a scientist and engineer, and he was credited with patenting the first practical telephone. Although, and this is good that they mentioned it, it should be noted that Antonio Miyuchi is considered by many to have had a better claim. So, you know, some may think that there's someone else who vented the telephone and possibly, but Graham, certainly he did, he has also accredited with it and has done lots. Interesting, so it tells you, it gives you the census there. One thing I didn't realize is that, so speech and language were critical to the family. So his grandfather and his brother all been associated with working on elocution and speech and his mother and his wife were both deaf. So that would affect his work and that's why he focused so much his research on hearing and speech, which led to hearing devices, which eventually led to the telephone. The funny thing is, he considered the telephone an intrusion on his real work as a scientist and he refused to have a telephone in a study. So that's kind of neat. But along with that, he also developed hydrofoils and did work that was groundbreaking for use in aeronautics later on. So, pretty cool. And he moved to Canada and passed away in Nova Scotia. Oh, Canada, we can tie everything back to Canada. Well, there we go. If we try hard enough. Robert Bruce, King of the Scots. First King of the Scots, in fact. And now we're going way far back. So he's my fifth cousin. See, I'm really close to royalty. Wow. Yes, and again, we share two different, from at least two different lines, I've got a, two different Henrys here are the common ancestor. Guess what? Yeah, many other people have too. Guess what? He is my 20th great grandfather. Wow. Super cool. Wow. I gotta hit that, that relationship to me button. There we go.  Probably cause I'm related to the stewards. Oh, well that would do it. Yeah. Yeah. If you're related to the stewards, that would certainly do it. Yeah. Son of Robert Bruce and Marjorie Countess of Carrick. Married twice. Cause his first wife died in childbirth, which is very sad. So he was born actually in Essex, England in the son of Arab Robert Bruce, who was an Earl. And this was around, so initially they were, they weren't fighting for Scottish independence. They were loyal to the King up until, I think it said 1296. This is a really well written profile. It gives a lot of history. So I'm not gonna go through all of it, but basically, initially he and his father were loyal to the King and then something changed and they decided they couldn't stomach some of the stuff the King was doing and declared independence. He had an arch rival, John Coman here. He even says arch rival. They were both appointed co-gardians of the Kingdom of Scotland and then tensions rose. So at one point they had to be physically pulled apart because of an argument they had. Well, unfortunately a few years later, same sort of thing happened, but this time there was no one to pull them apart and Coman was actually stabbed to death. So, and of course at that point, then the Coman family were bitter enemies of the Bruce's, but then the Bruce's took control of the castles and then later, that month later, he was crowned the first King of Scotland. And he apparently had a radical way of governing because it was part dictatorship or what kings would do, but he also consulted with large groups of people because they needed to raise funds and he had meetings with nobles, rural freeholders, burglaters, craftsmen, secular and clerical leaders, and jurists, like so wide assembly. So he was taking advice from not just a privy councilor, just making it up on his own. There were times when he actually reached out and so his rule was described as an astute mixture of authoritarian along with concessions and genuine governmental consultation. No wonder why so many people loved him and why he became a national hero. So there you go. And that's his first wife passed away giving birth to their daughter and then he married a second and had four children with her. So, and there you have it. Interesting fact, I didn't know, but his brother was also became the King of Ireland. Oh. So isn't that interesting? So the first King of Scotland and his brother was the King of Ireland. So that's a pretty royal family right there. What was the brother? I'm looking for the brother's name. Brother is Edward. Thank you. You know her? Yeah. Continue on. Going on to Sir Thomas Sean Connery. Born in Fountain Bridge, which is a suburb or an area just in Edinburgh on the 25th of August, 1930 and passed away sadly in 2020. At the age of 90 though. So I mean age of 90, that's pretty decent. And you know, living in Bahamas, not bad. So. Okay. Can't really feel sorry. He had a nice long life, very established film career. Of course, most famous for playing James Bond as early as 1962. Wow. But like he had what, 21 years as Bond? So. Nobody has been able to copy that piece. No, no, either in longevity or quality, I would say. So it's kind of neat. But he had lots of neat films in the name of the Rose. That was a great one. He even played Indiana Jones's father in the last Crusade, which was fun. And you know, probably the first one that I, well, the one that I watched a lot was one called Dragon Heart. I don't know if you've ever watched that film. Our kids loved it when they were young. But I mean, he plays the voice of the dragon in it. So he doesn't actually hear physically, but he's the voice of the dragon. It's great. Kind of cool having a dragon with a Scottish accent. You would think it would have a Welsh accent. Yeah. That's right. Welsh dragons. The next is author Kenneth Graham. Born 8th of March, 1859 in Edinburgh. Again, that'd be a number here from Edinburgh. Passed away in Bradfield, Berkshire, England at the age of 73. And he's most notable as the author of The Wind and the Willows. He was raised by older relatives because his mother passed away with scarlet fever. Went to Oxford, worked as a clerk in the Bank of England. Married, married Elspeth Thompson. And within weeks she became pregnant. And their son Alastair was born on the 12th of May, 1900. Now sadly, their son Alastair, he was blind in one eye and he had many other health issues. And unfortunately he died. His nickname was Mouse, they called him. But he took his own life on a railway track when he was an undergrad at Oxford. And I don't wanna know how. Well, that's all it said. And it's just five days before his 20th birthday. Sad. Isn't that sad? But his death was recorded as an accidental death out of respect for his father. That's very sad. And when Kenneth himself passed away at the age of 73, he was temporarily buried in a church yard of St. James but then it was transferred to a plot next to his son, Mouse. So that's a sad little twist too. But you have to end each one of these on a sad note because they're all in with their death. Well, I guess you're right. Okay, well, this one won't end with their death because Lulu's not dead yet. So there we go. So this will be happy. Lulu, famous singer, Scottish singer, songwriter, actress and television personality. She was born Marie McDonald McLaughlin Laurie in 1948. Her parents, Edward and Elizabeth Kennedy-Carrons but she's better known as Lulu. Apparently she was in the Who Do You Think You Are? UK version in 2017. Of course, the song that at least that I'm most familiar with is To Sur With Love which became a hit from the 1967 film that starred Sydney Poitier. She was also in The Man with the Golden Gun. Oh, she sang the title song to that on The Man with the Golden Gun. But apparently she also is widely known in European countries for Boom Bang-a-Bang which was a Eurovision Song Contest winner in 1969. And she did something with Tina Turner. Oh, she wrote a song for Tina Turner. So that's kind of cool. She's an officer of the Order of the British Empire and was named a commander of the Order of the British Empire in 2021. And did you know that she was married to one of the Bee Gees? No. Yes, she was married to Morris Gib from 69 till their divorce in 75. Wow. Isn't that cool? That is pretty cool. Doesn't look like they had any kids together but that'd be too bad because they would have been amazing singers. They would have had really high voices too. Very high voices. Oh, yes. Ron Tiner says that she also sang a song called Shout. Shout. Must have been good if he remembers it. Yeah. I think that was a song by Wham. Or The Beatles. Yeah, that's right. Very cool. Annie Lennox talking about singers from The Eurydmics. Scottish singer-songwriter, political activist, philanthropist and fellow musician, she and Dave Stewart form The Eurydmics.  So there's, oh, I lift it up. What's there? There's two that they're most famous for in the one that I'm, The Eurydmics. The dreams are made of you. That's it. Yes, yes. And then there's something about rain, isn't there? There's something like, here comes the rain again. Yep. Anyway. But along with that, she also, in terms of social activism, she's notable for raising money and awareness for HIV AIDS as it affects women and children in Africa. Very impressive. Oh my gosh, I'm being corrected. Barry Gibb is the one who sings falsetto, not Morris. I thought they all sang falsetto. I thought they all did too. No. No. Oh, well. That's correct. Okay. There we go. We stand corrected. Okay, so this is a cool one. So this one is the one who is, okay, she's my 15th cousin, 11 times removed, which is interesting, because that would be going through my biological side. But on my adoptive side, my mom was a Macaizic, was her maiden name. And the Macaizics. Actually Macaizic, I love him. Yes. So I'm sure Ashley is a distant cousin as well because the Macaizics were part of the clan of McDonald's of Clan Ranult, which is the clan that Floor McDonald is from. So- She's my closest. Yes. 17 degrees, but she's also a 10th cousin. Ooh. Very cool. Maybe that's why all that Scottish shows up in my ancestry. Oh, it could be. So if we zoom in on, here I'm gonna, so here's her house. Okay, let me zoom in on that house. There we go. So if you, well, let me zoom, there we go. Okay, so she lived in the Hebrides, in the Outer Hebrides. So there's Inner Hebrides, which are the islands off the West coast of Scotland. And then there are the Outer Hebrides, which are even further out and there's a series of them here. And the island that Floor McDonald was from is right here called South Use, which is the island where the Macaesics were from. And in fact, Dalyburg, so I've actually gone back and I found birth certificates for my great, great, greats and aunts and uncles who were born there because they're available from 1820 on. And they moved from Bornish to Dalyburg, which is where they were before they left Scotland and then came over to Canada in the 1850s. But, and then there's her house right there in between. So... Can you do a street view? Oh, can I do street view? Google Earth. Let's see, can I, where is the control? Oh, I've zoomed in so much I can't see. Oh, you're in the Google map, you can't do it. I don't know if I can or not. Oh, well. That's okay. It's pretty barren. But anyways, it's just really cool. And so there's a good chance that we're actually distant cousins in fact, like actual cousins. But anyways. Well, then why aren't we? Well, we might be.  At least until a few more of them go online or anyways, I digress. Let's talk about Flora McDonald. So Flora McDonald, her fame is closely tied with Bonnie Prince Charlie. So Bonnie Prince, maybe I should jump over to him and do him first. Where is he? Wait, okay. Yeah, I'm going to talk about him and then come back to tell the story of why Flora McDonald is famous. So Bonnie Prince Charlie was. Well, I'm only 15 degrees from him. Wow. Well, because he's a steward. He's a steward. Yeah, he's fine, he's something. They probably had to use at least two or three different baptismal forms to fill this one out. Charles Edward Lewis, Juan Philip Casimir, Sylvester Severino Maria Steward. If he got married and his bride had to recital that, I think he, Charles, that's right. Very stressful. Oh my goodness. Well, the first one has a very short name. But the second one, I probably could have done it. Louise Maximiliana, Caroline Emanuel Stolberg. Yes. Crazy, eh? He's my ninth cousin. Ninth cousin, wow. Thirteenth cousin from there. But so he was born and died in Italy in the palace, Palazzo Muti in Rome. So his father was an exile because they're called pretenders to the throne because the throne belonged in England at that point. And so his dad was in exile. That's why he was born there. But then he did want, there was the Jacoba uprising and he landed in Scotland to claim his throne in 1745. But that invasion didn't last very long and it ended with the Battle of Culloden in the 16th of April, 1746. And then he escaped along with his companion floor, Macdonald, who helped him to escape. And I'll tell you how when we get back to Flores. Flores. So then after he escaped, he went to France, lived there for a bit, had a couple of fares, was eventually expelled from France when Britain and France signed a treaty after the war and part of the agreement was, okay, we're at peace now but you have to get rid of this pretender.  So he went back to Rome.  Oh yeah. Okay. So then he goes back and then he lives, he lives happily ever after more or less. And then this, I mean, this profile is very, again, this is really well done, which is not surprising considering how well-known personality he is, but there's a huge entry about an unknown son possibly and there's even references to DNA as a possible solution and royal DNA. So that's kind of some cool stuff in here. So I would suggest you read it because it's kind of interesting. But going back to Flora, so she's famous for helping him because, so Caledon, if we look at the map, let me zoom out the map again.  Angiography. Angiography, yeah. And you get Greg trying to navigate his wide of this. But Charles Stewart's not on this week's list, right? That was just- No, he was there. No, he's on the list. He is? Okay. He was, yeah. So Caledon's up here. So he had to, that's where he escaped because it was right up the sea. So then, and then he had to sail away. 21 degrees from him. Just fell down. Yeah. And this would have been the route there. Mom and then her father. Yeah. Okay. So Flora, so he had to escape, but of course everyone was looking for him. So what's, there we go. John Frenner is correcting your pronunciation of Caledon. Oh. That's how I've heard it said. Yeah, Caledon. Caledon. Caledon. Caledon. Okay. Caledon. Thank you. Sorry. Caledon. So the Prince's companions needed help to get him out of there. So they disguised him in a frock and as an Irish maid servant. And that's how- And they even named him. Yeah. They gave him a name. Betty Burke. Betty Burke. So then, and then they sailed from there to Benbecula. So then Benbecula is another little island in the Hiperides. That's actually in the little wee island in between South used, where my family's from, and North used. North. So, and people went back and forth and actually there were Macaesics on Benbecula as well. And McDonald's, of course, of Clan Reynolds and whatnot. So that's, she was, she helped dress him up and escape as an Irish maid servant. So that's kind of cool. Now, sadly for doing that, she was arrested for helping out and sent to the Tower of London, but then was released the next year. She married Alan McDonald. Possibly another, like a distant relative, who knows. They lived in the Isle of Skye. Then eventually- Excuse me, Robert Callan, you can correct us all you want because we collaborate. Oh, yes. I want to know the right pronounce nations of things. I don't pronounce them wrong because I like to. I like to pronounce things wrong because we're idiots. Yeah, that's right. That's good. Yeah, but I didn't realize, she went actually, she lived in America for a bit. They moved in 7073 to North Carolina. But of course they were, they served the, her husband served in the British government. So, you know, around 1776 something happened. So that wasn't a popular place to serve. So he was, he actually moved, he was sent to Fort Edward in Nova Scotia, but then was taken prisoner. She went into hiding. They're all their plantation and all their possessions were taken by the American Patriots. And then they eventually, she were reunite with him in Fort Edward. And then they moved back to the Isle of Skye in Scotland. So one of the neat things in terms of her legacy is there was a song, the Skye Boat Song was created about her escape or her assistance in helping the Bonnie Prince Charlie escape. So, and if you don't know the Skye Boat Song, you can check it on YouTube. But it's the same theme that the series Outlander uses. I was going to bring that up because that the whole. Do do do do do do do do do do do do do do do do. Do do do do do do do do do do do do do do do do. That's how it goes up on that. And Betsy. I was just gonna say, that the crowd goes wild for Greg. Over the sea to Skye. That's right. That's exactly how it ends. Yes, Carol. That was born to be king. Oh yeah. It's a great song. It is. It's beautiful. And I especially love the version that they have for Outlander. They feature that whole, of course the whole subplot with the Bonnie Pretender. Right. Escape. And I remember seeing the scene where they're on the beach and he's dressed up as Betty. What was the line? Betty Burke. Betty Burke. She was not related to Betty Boop, that I know of. Not Betty Boop, no, no. Then we have Robert Louis Stevenson who had another middle name, Belfour, but he dropped that when he was 18 or so. And he was born again at Edinburgh. But he had poor health. And so that's why he eventually moved to Samoa because he needed somewhere where there was born. But he's most famous of course for being an author, writing things like Treasure Island, Dr. Jekyll and Mr. Hyde. This strange case of Dr. Jekyll and Mr. Hyde kidnapped in a child's garden of verses. A children's poem collection. I didn't know that. So yeah, he tended to weak chest and so that's why he moved to travel to Australia and then to Samoa. And then we did Bonnie and then the last one is James Watt, the inventor of the steam engine. And another engineer. Then to the steam engine, the rotary engine that was mechanized for meat weaving, spinning and transport. And he's the one who introduced the term horse power. And also the person that the unit of electricity is named after Watt. You know, like a 30 watt or a 60 watt bulb is named after Watt. I just learned something that I can teach to my know-it-all son. What's that? Horse power. Horse power. I'm gonna check him on that one. Yeah. Yeah. Anyways, of course, because of the steam engine that was big in the industrial revolution and so on, so. What is this question? Isn't there a slang to burk it meaning to get up town quickly? Oh. I've never heard of that. Look at that. I haven't either. Google it. Susan, Google it. Well, if there is, that makes perfect sense is the origin of it. Or is it to book it? Book it. I'll do that. Yeah. I'll book it. Book them, Dana. No, that's everything. Okay. And those are your Scottish profiles of the week. Yay. Woo-hoo. I really like the, now that you started using the maps. Yes. It's so cool to see, you know, how everything interrelates. Yeah, it is kind of neat. Yeah. And I didn't actually. I haven't even tied your whole family in.  It connects a phone. That's great. I don't know if anyone's interested, but, you know, it was cool to me. And I had the mic. Yeah. Ha, ha, ha. And maybe I'll find another cousin out there who can help me do some more Mackay's of connecting. So, who knows? Cool. All right. Well, I guess I'll move on to tip of the week. And I'm also doing photos of the week. So, so for tip of the week. Well, that's a big check mark. Yes, it is. How's the screen size? That's great. That's a really big tip now. Yes. Mags are great. Could you maybe put the web address for this? This is David Randall's completeness checklist. So this, David Randall is a WikiTree member who devised this handy dandy checklist that you can go through with any profile to make sure that it is complete as possible for the time being. Because we know that profiles are always emerging with, you know, new information and continued collaboration. But, and I think there's one of the items on the 15 for 15 is to take 15, 30 or 45 profiles and to walk them through this entire list. And I asked David how it was that the list came to be and how he uses it. And he was telling me that he just really wants profiles, the profiles that he does to be enjoyable reading experiences for, say, his family members. And so he wants to flesh them out as completely as possible. But as he was doing more and more profiles, he found that he was losing track of where he was with each one. So he came up with this list. He actually, well, we'll walk through it. But I thought it was interesting. I asked him how he uses it and he actually prints it out. He's a paper and pen person. So he has a binder on his desk with a sheet for each profile. And he checks as he goes along. But he's- Can you imagine how thick that binder might be? He said he could imagine it easily being converted into spreadsheet form as well, you know, if you're a digital person. So the first part is, oh, and then to finish the story he at first was just using it for himself. And then when he started the classic Disney project was the time when he made it a public tool and he said he's thrilled that people like to use it. Yeah. Yes. So, you know, I think the primary data stuff, if you go through the top area and when you're in edit mode, the top part of the profile and just make sure you answer every question as completely as possible. You'll be in good shape for this. A bonus, if you can identify all four grandparents, that's always nice. And, you know, I think it's a good reminder to have headings, categories. Think, you know, give it a second look at the privacy setting, make sure it's right. And then have a see also section for things like Wikipedia and find my grave, which is just, you know, it's very easy to set up. Connect it to the big tree and upload a photo. So. Very nice. Yes. What I'd be tempted to do is to print one of those and put it in a sheet protector and then use like a marker. Yeah, there you go. Yes. It's clean when you're on the next profile. I love it. Yeah, you might have to get rid of his binder. Well, that, but that presupposes that you only are focusing on one profile at once. Wow. I suppose you can have a few different sheet protectors. Yeah. Versions gone, but yeah. So in between this and the photos, Susan Anderson found the definition to Birket. Oh. It is not what she thought it was and it's Birk's execution by hanging. I write crowd shouted Birk him. And there's a lot more to it, but we're not gonna go into that. But thank you, Susan Anderson and Brian and everybody else who got that figured out. Okay, interesting and grizzly. And grizzly. I liked our definition better. Yeah. All right. So photos, the photo feature has moved to a monthly format and the theme for January was grandparents. So we got quite a few really marvelous photos to look at. Let's see, this was put up by Pat Miller and it is her great-grandmother and her daughter, Mary, who battled with typhoid fever. But the daughter, no, Mary, the doctor said she would last very long and but she actually lived 29 more years, had lots of time to marry Charles Stilo and have a daughter Evelyn that was Pat's mother. Nice. Yeah. Good picture. Absolutely. Those little shoes. Yes. Oh, they're darling. Then we have, let's see, this is contributed by Robin Scholls. Love dad and mom. Yes. Maternal grandparents Otis and Bertha Witcher for probably their 50th wedding anniversary. Nice. Yeah. This from Karen Stewart, her maternal grandparents. Happiest went together and celebrated nine more years of marriage until her grandfather passed in 1988. Look at that cake. Yes, with a big 50. Wow. How many? Yeah, it looks like it's three tears. Yeah, they only have three candles. Then let's see. Oh, this one. This one was very cool. M Ross. This is paternal grandparents, Len and Marguerite, Len Ross and Marguerite Richards in Staffordshire. It always surprised me how fraternity and fashionable they looked, especially because they were so proper and set in their ways. My grandmother's dress is great and so 1920s. And look, they're standing on a carpet. Oh. Oh, yeah. Your nice hats. Yes. Shoes, guys, shoes. Yes. Yeah. Beautiful. Nice. I like the ivy background. Yes. Yeah. And these are John Vasky, his third great-grandparents, Michael and Elizabeth Seyfert. They came from Germany on their own when they were young. She died in 1905. Then he went to California to live with his children, but died shortly thereafter and was brought back to Southern Illinois, where I am right now. Oh. I'm in pure air right now to be buried next to his wife. So I answered the question about whether his John Vasky's middle name was Seyfert? Yes. It was Theodore. I'm guessing it's a T, not Ness. Yeah. Okay. See how everything just ties right back in? No, they're all ties together. Connecting. Okay. There we go. Yeah. This is from Alexis Nelson. Alexis always has such good pictures. No. Ohio 1915 of her great-grandparents, Riza and Seth Marvin II. Oh, yes, this was an interesting story. So Riza's father died when she was five and her mother remarried. And then, and she remarried this gentleman. And then when Riza was 20, her mother died and Riza had five young step-siblings, half-siblings, and Riza married her step-father and they had 11 more children together. So that's a lot of children she raised, 16, if you count her, siblings. Wow. Wow. Yeah. Okay. This is from Mark Weinheimer. Photo of a photo taken by, that's a pretty good photo of a photo. My second great-grandparents, George Bernard Weinheimer and Carolyn Bronner. What is the background do you think? They're looking outside. I see it. I don't know. It's definitely grass. Yeah. Other feet. I don't know. Okay. Then we have Dieter Lernz. Lernz, am I saying that right? Lernz, yeah, Lernz. Yeah. He's paternal. Yeah, paternal grandparents on their wedding day in Sleischweig Holstein. I love her dress is so simple. It's beautiful. She was a shoemaker. Oh, really? Mm-hmm. It said he was a shoemaker. Where did it go? Oh, yeah, a shoemaker. Yeah, the oldest son of another shoemaker. Well, this one, unfortunately, Beverly's picture didn't make it into the post, but it was of her maternal grandparents. Maybe she'll add it to the post. Mm-hmm. This is Margaret Meredith's maternal grandmother at 95 on Thanksgiving Day. Wow. Yeah. And she says this photo is very special because the Afghan, the red Afghan made for Margaret when she graduated from college. And she's also holding Margaret's study Bible to write her gratitude card. Yeah. Nice. Oh, this is now and then. Nice. Oh, cool. Here, Wetzel, paternal grandparents, the first one is 1919 and then 1965. How fun. Wow, that's neat. Still got a mustache? Yeah. Good luck for him. She has a smile on her face in both pictures. Yeah, yeah. Yeah, they're both recognizable. I love the photos when we do photos. Yeah. I'm so glad that it's carrying on in a monthly format. Yes. John Thompson. Okay, this gentleman is his mother's maternal grandfather. So John's great-grandfather, Michael Balfour, Canadian. Unfortunately, yeah. Unfortunately, died young, but he did have a family. Cape Breton Island is a very insular place and there was lots of intermarrying on that island. It used to be called Eel Royale, right? In the... I don't remember that, but yeah. Yeah, when it was a French colony, before it was Eel Royale. Interesting. Let's see. He just wanted to show off that he knew how to pronounce something. Is there a dog in that picture? Where's Sarah? The dog door rose. There's a little dog. That's a dog. Oh, my goodness. Sarah. Yeah. A picture of their maternal grandparents. Okay, new, new grandfather, but not grandmother. Nice. I have family from Cape Breton too. We're probably related that way, Brian. So this one's mine. Oh. That's a great picture. Yeah, thank you. I was telling Mags about this earlier. This was the big excitement in my family history, my personal family history world this week. I got a Facebook message from a distant cousin who said, hey, my parents just found this. Do you know who the women are? And so I opened it up and my jaw just dropped because I recognized I have a photo of the men in these outfits. Judging from the age of the youngest son, he was about 11, so that would put this at 1915. But I had never seen a picture with the daughters and my great grandmother. That is so good. Yeah. Oh. So. And if Betsy weren't here and we were just looking at this picture, I would say Betsy Coe has great pictures. Yes, that's great. Thanks, Mags. Sorry. That's a great picture. I think I'm almost positive that my grandmother is the one who's sitting on the floor with the blonde one. Yeah. Nice. Yeah. This Kevin. Kevin posted his maternal grandmother, Catherine Allison. Nice. Oh, that's a sweet picture. And is that Kevin in the picture? I think so, yes. That's nice. This is one of our last Thanksgiving's together. Oh. We lived to 97. And she used to talk about her death in terms of if I die. Yes. Oh, right. John Tyner says he's got a similar photo of his family that to yours, Betsy. Oh, yeah. Oh, neat. Oh, cool. I would love to see it. Oh, now this looks fun. Look at the smiles on their faces. There, yeah. Look at the old house in the back. Yeah. It's taken sometime before 1930. Wow. And where? Oklahoma. Yeah. There are three. That's before the dust fall. Eric Whittington's third great-grandparents. Wow. That's a great picture. Yes. And they look so amused. That's so fun. What is this box that they're pointing at me? Yeah, that's right, yeah. Let's see. Janine Eiselman. Her great-grandparents, John and Mary. And her grandfather. There you go. Oh, nice. Late 1800s. Wow, that's special. Odd pose. Don't you think? Yeah. She looks comfortable with her arms like that. Yeah.  That's the... John and Margaret. Oh, Nova Scotia again. The photo is of my grandfather's grandparents. That's pretty cool. He looks like she's got a secret.  I know something. Yes. I like her dress and her brooch. My great-grandmother with her first baby, my grandmother, when she was just a few months old. Oh, look at that. Oh, very sweet. Who is... Teresa Willis. Nice. Yeah. Who is this? Cheryl Skordahl. Great-grandparents. Cyrus and Amanda Aldrich. Yeah. And he was a veteran of the Civil War, both born in New York State, buried in Southern California. Huh. Cool. Let's see if we missed any on the other page. On the space page? On the space page. There we go. There's that one. And Alexis's, the weird posture. Where they're not facing each other. No offense, Janine. Yeah. We saw that. I don't know. No, we didn't see this one. Nope. Grandma and Grandpa Rose. Hosted by, oh, does it say? No, we can't tell, can we? Leonard Ross. Oh, okay. And that looks like something funny was going on, because look at what's done is her eyes. She's giving in the side-eye. Yeah, that's great. And we saw that one. No, and the, she's in here, it's a cat, it's not a dog. I was wondering about that, because the tail, I mean. Yeah, it's a cat. Yeah, it's a cat. Nope, nope. The wares. I didn't see this one. Yep, the wares. And Marge and Mix. 1982. And. GSL, did you know this cat? Yeah. The tail is there. We saw that. Oh, and we did see this one. A fourth great grandfather. Wow. Equations who helped with the Underground Railroad. Wow. That has to be retouched. That's a very good picture too. So sharp and clear. Yeah. I think a good photo of the week challenge for the month, or the photo of the month challenge would be, what is your oldest photograph? Great. Yeah. Yeah. That's a treasure. I love that one. There's Ada, baby. Yeah, fine. Kevin. We saw that one. Is that it? It's it. Okay. Nice. Yeah, great. So it's time to talk about what's coming up. We've got some stuff going on. We have some Aussies in here with us today. Genealogy for the Society of Australian Genealogists WikiTree Challenge Highlights, you can check that out. Have you tried the new system for creating profiles version two? Chris has that corrected to the tags. And let's see, have you seen the family changes to family trees, profile tabs, et cetera? I have, and they're pretty cool. Yes. I was gonna show that, but I forgot. Yeah. And then the WikiTree Challenge three, please help research for the Society of One Place Studies. So we've got those things coming up. We can check over the social media page, which I updated. We've got some things coming up. Gotta update that picture. But the question of the week, you can check out that 15 Nations One Name Study Tuesday, One Place Study Wednesday. The project showcase on Thursday, date night. Friday, date night. Is this coming Friday? Don't have a link up for that yet, but that's coming up. The connection finder for next week is not gonna be the same as this week. So we'll let you know then. And we'll also have Meet Our Neighbors. And they're still working. We're still working on the photos of the months. So you have a couple of days to finish that. And then if there are any new ones, we could probably cover that in the next livecast if we have any new ones. So if you can go, coming up on Friday as well, John Piner lets us know that. Right. And I have one thing. So, yep. New member Zoom. If there's anyone who's relatively new to Wikitree or just has questions, the Zooms will be Friday, February 2nd, 8, 8 p.m. Eastern Standard Time. And then Sunday, the following Sunday, like February 5th, just a few days later, 11 in the morning Eastern Standard Time. And I think Hilary Gadsby, who's in the chat, is gonna join me for that one. And I will put up a G2G post with the Zoom links. And it's bingo this coming Friday. Date night was past Friday. So they switch off every week. Anyway, so that's the livecast for this week. We hope that you have enjoyed your time with us. We certainly enjoyed our time with you. Yes, absolutely. We do. And Minnie Silva says you can catch me on Zoom twice on Thursday. Ah, for the wrap up probably. Yeah. So hey, June Butka, you're ready to leave. So June, go back and watch the video. Anybody else can go back and watch the video. Give us some thumbs up down there, please. Thank you. We will see you next week, same time, same place. See ya.


Hello everyone, welcome back to day two of theCUBE's live coverage of SaaS Innovate 2024. I'm John Furrier, host of theCUBE with Dave Vellante here, instructing the citizens, there's a lot of AI discussions. Real use cases put into production, a lot of first news announcements out here in the industry, SaaS is selling lightweight models, there's big news there, a variety of other solutions. You're seeing a lot of enterprise adoption starting to come in, we've got two great guests here, Stu Bradley, senior VP, risk fraud with SaaS, assistant VP of fraud analytics and strategy at Credit One Bank. Guys, welcome to theCUBE, here at day two, kicking off. Thanks for coming on. Thanks for having us, thanks for being here. So there's a couple of things that jump out of me in the keynotes and all the news. One was the saved prompts, it's weird, but I like that little feature because it shows where it's going. Promptless is in our future for the language models. But the other one is the models. One of them is fraud detection right in your wheelhouse. You start to see the models, lightweight models, available almost like Lego blocks to be added in for speed. So I love that announcement. This is going to be a real opportunity for developers in your area, Stu. Tell us about what's going on in the risk side of it in your world. Yes, so look, I'm very excited about the announcement. The whole goal behind this is to meet our customers where they're at from a technology and an adoption standpoint. So being able to provide an architecture to extend across a multitude of different use cases, but also to get more advanced and provide models for things like solvency risk of financial institutions for fraud detection, which we've been providing models for almost two decades now. And using those as templates to ensure that we can further expand the horizons on the types of models we're providing to serve not only financial services companies, but organizations across different industries. The long, the chasing the tail of fraud has been going on for decades. Absolutely. This is a big day-to-day thing. We started theCUBE 14 years ago. Duke was supposed to be the solution. It was actually mentioned that the keynote was kind of funny that it was brought up, but now it's getting better. AI is going to be a solution. Absolutely. What's the current state of the art in your mind at your bank on how you guys are attacking the fraud? We saw the results on stage today, better performance on approvals on things, operational efficiencies, but fraud's the big target problem. That will take us through your perspective. So when I think about gen AI, there's a couple of things that come to mind. So the first thing is you have LOM models, so such as your chat GBT, but the other is your deep fakes, right? So these are really financial concerns, whether it's from authentication perspective or verification perspective. So in regards to chat GBT, I'm not sure about you guys. I mean like two years ago, three years ago, I get scams, email related emails, and they're coming back with a lot of grammatical errors, a lot of vocabulary misspellings, and a lot of which doesn't really necessarily make much sense at all. So there has been an improvement in terms of fraud communication styles that has been coming in. And what that ultimately translates to is a lot of more sophisticated and enhanced scams situation that we have been seeing lately, as far as the past year and a half or so. So these are your men in the middle type of attacks, your romance scams, your employment scams, and then to shift a little bit as well. So the other things that we've been seeing is the utilization of deep fakes, particularly as far as enhancement and using your, trying to bypass your, let's say, your voice, your voice biometrics, and then also your facial recognition applications. So all of that translated into risk that we're looking as far as how do we stop it, how do we prevent it? So last year was kind of an interesting one in the banking world. You know, normally when interest rates go up, it's good for banks, but then you had that situation last year where folks are having to mark the market, and then you had the first republic, or actually SVB first, and then even FTX, which actually had a pretty viable business if they weren't like skimming. And so what's happening now in the banking community? It seems like things have stabilized, but from your perspective, Stu and Long, what are you seeing today? So look, I think that was, you know, became on everybody's radar, just based upon some of those crises that we saw with the financial institutions you've mentioned. I think part of the issue is that many organizations have grown their risk management capabilities in a bunch of silos. Some were specifically geared towards reporting to the regulators, others geared towards looking at credit loss, stress testing their environments, but nothing is really forcing them to look holistically across their balance sheet. And so I think as we emerge out from that environment, the capabilities of integrating data, so you can get a holistic view across the balance sheet, stress test that, change different micro and macro factors to understand the impacts is going to be a really important response for financial institutions to think about. So when you say stress test, give me the what ifs, and you guys can help model that, you're saying from a holistic standpoint. What's your liquidity going to look like, if interest rates fluctuate, and mark the market versus. And keep in mind, I mean, this is the first inflationary interest rate environment we've had for 25 years. And so the risk managers today aren't used to in rising interest rates. So that's not something that they're accustomed to. So absolutely, I think part of the issue with technologies that have been available in the marketplace today is they run a very limited number of different scenarios against which you can stress test the balance sheet, liquidity risk of the bank for example. And the ability to run a multitude of different simulations is going to give a broader view and broader perspective that would allow them to do a better job of managing the overall risk of the bank. So just to follow up for you, Lon, I mean, again, you think for a credit card company, higher rates would be better, but then again, there could be more defaults. How do you think about the current environment and sort of modeling your business? So I think, so I'm going to quote the CEO of Current One Bank. So I think he really poses very well. So he said that it's better to leave a dollar on the table than to incur a $2 incremental losses. And I think that really summarizes pretty much the landscape that we're currently in. But as far as overall impact, I think the biggest impact, kind of taking this back a step as well, is be able to ability to kind of go across different departments and really communicate as one. Because what we have is to just do this point is that it's silos, right? So from a financial perspective or financial net fraud or net loss perspective is that there's a multitude of different variables that come into play, right? So you have, you have recoveries and then you have the gross fraud that we can control. But also you have other variables such as acquisition risk, right? So throughout the whole entire life cycle of the portfolio, there's very different perceptive perspective on what sort of mitigation strategies you'll be able to adopt. And I think by combining all into one, it really be able to help facilitate those changes. A question on the analytics side, because this is when, again, one of those things where you have now more data points. The more data you have, the better the AI is. We've seen that and that's been better. Performers is coming on, you guys are doing, addressing the performance challenges that are needed, more GPUs are available. What data points are now available or what AI aspects are in play that can help take advantage of these new data points? Specifically, like if I'm in Vegas, my phones tell me I'm in Vegas so obviously I'm not in California. So these are opportunities to get data made that up but that's kind of an example. What new data do you see on your side that JNAI could take advantage of today that wasn't there, let's just say a few years ago to help prevent the attacks? So from the credit cards side of things, is that recently we have migrated over to a new fraud detection engine strategy application. And what it allows us to do is be able to create additional custom profiles, whether it's based on the merchant level or whether it's based on the personnel or our customer's level. I think at the end of the day, it really translates into know your customers, right? The more you're able to build upon that and then the better the strategy and then the lower your strategy the clients would entail. So that's kind of really a win-win situation. Higher revenue, lower the clients. And Stu, what's your take on this because is it operational efficiency? Is it driving more revenue or cost recovery? Take your thoughts on this. So as financial institutions have been in an arms race against each other for better digital engagement with their customers and enhancing the overall customer experience, it's created, the attack surface for fraudsters has been expanded and it's created that additional attack surface which means you need to have additional data points. And we refer to it as creating a data ecosystem, not only of your internal data, but your external data, public records information. How do we validate an identity and you are who you say you are, physical information, biometric type of information that was mentioned previously. Is the device that you're using of high reputation or has it been engaged in a fraud attack with another institution? So being able to leverage different sources across the ecosystem at the right time in your decisioning cycle is tremendously important. So it's about creating that data ecosystem first and then the artificial intelligence comes into play now that you have those new data sources and it allows you to do a better job of modeling for new trends that you might see from a fraud attack. And what's different now in Europe that you're seeing? What's different now with GNI? What's GNI enabling from a disruption standpoint in a good way? That's different than it was a few years ago. Is it more data? Is it more compute? More workflow, augmentation? What is the key thing that you're seeing now that's in play? So aside from what Long mentioned previously, which is it's enabling the fraudsters to have better attacks. Yeah, exactly. One of the things that we saw, we just released our biannual association of certified fraud examiners state of fraud reports. And what's really interesting is that when you look at the reports we did in 2019 and 2022, in each of those 25 to 30% of financial or of organizations, specifically financial institutions said that they were going to adopt artificial intelligence within the next two years. When we resurveyed, only 5% have actually gone on and adopted artificial intelligence in a production manner. And it highlights the overall challenges of doing it. Challenges of getting the right data. Challenges of understanding are there any biases in that data? What are the downstream consequences of the decisions that you're looking to make? And so based upon that, we've seen financial institutions adopt it more to drive efficacy in their operational processes. How do we take mundane human tasks and automate those and make it more efficient but a more rewarding experience for those employees? The example I get, take a fraud investigation. 80% of an investigator's time is spent collecting information, pulling it together and synthesizing that. Well, we can use Gen AI to do all of that for him and allow him to spend 80% of the time investigating suspicious activities such that we can actually address the fraud problem. So George Kurtz, who's the CEO of CrowdStrike, he has this phrase that he coined years ago is mantra for the companies, stop the breach. And at the time people said, you can't stop the breach, it's just a matter of if, not when, or when, not if. And he said, I don't accept that. So I think you are like an analog to that, stop the fraud or stop the theft. It's hard to do that, but when you think about the compression in time, it's all about speed. Think about 10 years ago or even more, like you used to have to go back through your statements and find the fraud, right? Now we're checking out and it's like, yeah, it is me. Okay, so what's the technology behind that that has enabled us to compress that time so dramatically into near real time? And when you talk, question first part, second part is when you talk about AI adoption, you're talking about kind of legacy AI ML, and if that's a proper term or gen AI or both, I wonder if you could add some color to that. So the timeframe in which you make decisions is tremendously important. And once you have allowed a payment to go through, the recovery rates on identified fraud after a payment has gone through are in this one, two, three percent range. So the money, once it's gone, it's gone. So you need to go from a post payment and trying to chase the money into a prepayment analysis. And so we've been in that space where we're running AI based models within 30 milliseconds so we don't impact the customer experience at the point of sale for a card transaction on a digital card, not present transaction, or any digital peer-to-peer payment that is out there. And so that type of technology has been available. And to your point, I think that's part of the reason why AI hasn't been widely adopted because not only do you need to make the artificial intelligence give you the right results, but you've got to make it perform in the matter of 30 milliseconds to be able to stop the payment before it happens. And I know in the card space, they're all over that. But you've dramatically, as well, reduced the false positives. Absolutely. Yeah, false positives, right? Which is kind of annoying for the consumer, but those are way, way down relative to five, even five years ago. Right, so as far as technology, it's really a double-edged sword, right? So the faster a merchant or such can be breached, it also enables us to pick up those trends as well. When you have a velocity of, let's say, 100,000 transactions being attempted in a very short span of time, it goes both ways. If I'm seeing that in real time, which we have, I guess we're blessed to have real-time data at this point, is that these are sort of really suspicious type of activities and we'll be able to kind of really stop these really at the gate, right? We might be able to let a couple through at the very beginning, but overall, I would say the bulk of it will be declined. From a recovery perspective, what Stu mentioned is that it really depends on what the type of transaction type you're facilitating. If it's Karnaw present, maybe from a breach perspective, we should be able to recover some of those. Car present? So you're saying, okay, maybe the first, maybe one or two, whatever, a small percentage gets through, but then what, you identify the pattern and you're able to match that and you can do that without AI is what you're saying, right? So, because these customer profiles are built to tally up or aggregate the number of transactions in a very short period of time, a lot of what you could really specify in terms of what you're looking to get. Do you want to collect the number of transactions, 20 minutes, 10 minutes, three seconds? All those are possibilities. So we try to utilize those type of technologies as far as fighting fraud. And your point about the attacks are so much better. I mean, those phishing emails, those, it sounds like beautifully written, you know, and if they get personal information from you, public profile, social media, really, that's a game changer on their side. So how are you guys catching up? Because again, the attackers, they can throw everything at the wall. They don't have compliance to deal with, right? So they're faster, but we're getting faster too on the good side. What are you guys seeing on the speed to meet that threat? How would you scope that if I asked you that question? So I would say about a year and a half ago, we have seen an increase in synthetic fraud types. So your synthetic identity, so that, and this is quite common throughout the whole entire industry. So a couple of things is that fraud after continuing to be on the rise and as far as the current horizon, and then also you have kind of your first party fraud as well. So all these, as far as mitigation strategies, usually we kind of work with our partners as far as be able to identify these sort of risks or appetite at the very beginning during the acquisition side. It's almost a fun job at the weird, well, because it's almost like gamifications, like us against them and there's that cyber action too. It's cyber money. I mean, everyone wants the cheese as they say. They want the money. That's a big part of what you guys are vulnerable. I think other than the deep fake that I was joking about the cube and making sure we don't get deep faked from this conversation, I think one of the most frequent conversations that I'm having or questions I get asked from banking executives is what should we be worried about next? What scam is on the horizon? And when you think about it, that's actually the wrong question to be asking because the scams are gonna be consistently changing. They're gonna be consistently improving. The question they should be asking is what do I need to do to be more agile in my business to be able to respond to whatever is next? And I think the way organizations have grown in solving a problem with a specific technology with cumbersome integration is a big technical challenge and rationalizing that down to a less complex infrastructure to make more holistic decisions across the customer life cycle is absolutely the path forward to get that agility. To your point, it's a data problem too, right? All data is available. Your location, your history, everything's at the table now. That's going to be, I think, the opportunity. So you're saying simplify, eliminate the data stove pipes. Yes. Okay, build a holistic model of your organization and then conduct analysis in near real time. And that's kind of the starting point, I guess. And then it's iterate and get better and better and better. Laying down the infrastructure to be able to do that and then understand where you're at on the AI maturity curve, right? And we all talk about, hey, we need generative AI. But go on a journey. Understand what types and variations of analytics and artificial intelligence are going to be used to solve the specific problems and deploy those technologies and work your way up that maturity curve over time. Does that necessitate a change in sort of skill sets?  Now you got a DevOps person who does it all. Is there a similar analogy in your world where when you consolidate and you simplify, you now have a chef that can do multiple tasks? Well, I think, and I'd love to get Long's opinion on this as well, but you need to take a perspective based upon what use cases you need to solve and what skill sets you have. So going back to that common architecture with a governance structure to be able to achieve that, and there's opportunities to work with the partners. So customers, banks, other organizations should focus on where they can, their core competencies, where they can add differentiation and look to lean on others where we can create models and serve those to organizations as a service when a night might not be part of their skill set or core competency. Student law, thanks for coming on theCUBE. Congratulations on your success. Final question to wrap us up. What's the most exciting thing you're working on that highlights the value of AI that people who aren't in the industry might not know what AI really is? An example of some of the things you're working on that you're excited about, we'll start with you. Wow, some of the things that we're working on, I think it has to do with a lot within the dispute side of the house because I'm mainly from fraud and I think customer experience is very, very critical. You have recently been either breached and you want that customer experience and then you want to be able to provide customers that security that they feel and be able to process a lot of those claims very, very quickly and be able to recover those funds and be able to for customers. I think that's one of the biggest thing that we have done in the past year and a half. Disputes absolutely important. I'll take the front end of it and it's around originations. And it's how can you look at all of the credit risk decisions, the fraud decisions and the compliance decisions at a holistic level use generative AI in the form of co-pilots to help guide resources through the origination process. Awesome, let's do that.  What are you guys working on? What are your plans? What are your highlights for your group? Yeah, one of the things, I mean, team's absolutely amazing.  It was announced yesterday, our CTO's favorite solution is SaaS fraud decisioning. That is the future. It's laying down that architecture to make those enterprise decisions. It's got real, you can quantify the value proposition there. 100%. Money's involved. Thanks guys, appreciate it. It's too long. We'll be right back with more coverage. I'm John Furrier with Dave Vellante. We'll come up with the analyst angle up next where the industry analyst roundtable will break down what's happening in it and generate AI, SaaS, their customers and the industry landscape. We'll be right back after this short break.


Our draw, there's not one but two cars to be won today. Oshin Kelly is down at the credit union for us, Oshin. Hi John, very good afternoon. I'm not too bad in yourself. There's just a flight down the mountain top just here to get here in time, John. Well, Maxi, late for about four or five minutes, but sure. Well, you're the first to mention it, so it's nice. So not one but two cars, why two cars today? They've sort of changed the format, John, in recent years, instead of doing four draws through the course of the year, they've decided to do two big draws, which makes it even more exciting, particularly if you're a letter kidney member. So the last time that we had the draw, there was two cars given away, Jason Buchanan and Manus Gallagher were the last winners of the two cars, and that was in July. So this is the latter part of the year, the second half of the year, and they've got two fantastic Duke cars, Nissan Jux sitting out the front. The SV model, they're in white. Well, one of them at the door, the other one is available as well. But fantastic cars, and courtesy of the guys at Ineshaun Motors, or iMotors, excuse me, they changed the name of course in recent years, iMotors in Drum King, John. So yeah, two beautiful cars. We know what they're like these Nissan's to drive because we've got a couple of them up around Highland. And some two lucky winners will be very, very happy with their vehicle by the end of the day, John. Remind us how you can be in with the chance of winning. All you have to do is call in the letter kidney credit union here and get your name into the draw. If you are a member, you can enter the draw, and that will do you for the full year, and you'll be in the four separate draws, which they double up on and become two. All you have to do is call in the letter kidney credit union here. If you are a member, just buzz down, they'll be able to talk you through the process of getting involved in the draws. But obviously, if you want to join them now, it's going to be for the draws next year. It's too late now to get in for today, John. That's fair enough. That's fair enough. It's not just about cars today, because there's some money to be won as well. I'm just looking at more of Duffy here down to me left, John, and I've got Jimmy Gleeson here as well, and the usual team of Charlie McGlynn is here, and also Mick Yare, and they've been siphoning through the drum and picking out numbers because there is some big cash prizes. There's going to be six people, members, that will win 1,000 euro each and a further five that's going to win 500 euro. So I'm right in saying that maybe that draw has been done already. I'm getting the nod from Mora. So what's going to happen now, the draw is done. We'll call out the winner's name shortly, John, on air and one of the other links we're going to do. But members of our workers here, staff at the credit union, will be making contact with these people, these 11 people who have won a cash prize, which is a nice bonus, John, heading into Christmas. Absolutely. Big cash prize. Is John Brezen's name on that list? No? Sorry, John, you're not on the list. Not on the winner's list, though. Not just yet. Probably just giving me for the card. Yeah, that's it.  By the way, we better mention our special guest, John, before we go. Anna Hennessey, who recently competed in the Downsunderm World Swimming Championships is here. She's behind me somewhere. Oh, she's down in the corner. So she's down at the tea in a bun, John.  She's already met those 11 people that won cash prizes very happy because she was involved in that draw, and she's going to be involved in the main draw as well. We might get her to sing, too, maybe, John. Well, who knows? No better woman. All right, then. See you later, Ross. Come on, John.


Zelenskiy's office, everything is just beginning in Russia. Mikhail Potholayek, the advisor to the head of the Ukrainian president's office, commented on the mutiny set up in Russia by the Wagner group led by Evgeny Prygoshin, saying that everything is just beginning in Russia. He made the relevant comment via Twitter. Prygoshin's counter-terrorist operation on the territory of Russia has already led to the capture of Russov, several federal highways, the headquarters of the Southern District. The events gained widespread publicity in Russia and even an insulting legal evaluation by the FSB Special Purpose Center, the National Anti-Terrorist Center and the Prosecutor General's office. In his opinion, the split between the elites is too obvious, agreeing and pretending that everything is settled won't work. Someone must definitely lose either Prygoshin with a fatal ending or the collective anti-Prygoshin. Everything is just beginning in Russia, Potholayek said.