Hello and welcome to NewsClick. A lot has been happening in banking sector recently. Looks like the ghosts of demonetization have come back to haunt the country again. There are reports of shortage of cash in many states in this country, Andhra Pradesh, Haryana, Bihar and many other places. As well as that, there are other crises in the banking sector. For the past two years, there has been a great deal of discussion that the banking crisis is mainly a public sector problem, and that public sector banks are the root cause of this crisis because of which the public sector banks need to be privatized. But now that the ICICI bank and AXIS bank have also come out with a problem of conflict of interest, it's interesting to see what the bank employees think of this. So for this, we have with us here a CH Venkta Chalam of AIBA. Hello, sir. Welcome to NewsClick. I am good, sir. So let's begin with the problem of this cash again because all of us have thought that we have those days behind us when we had to queue up in ATMs for this cash. Now it's one and a half years since the demonetization happened. So why this problem has come back again? This government has a lack of doing things wrongly from the beginning. Now again, we have the cash crunch. Banks are short of cash. In ATM, there is no cash. In branches, there is no cash. Customers are coming and shouting, and they are rightly putting a question. When I don't have enough money in my account, then you impose a penalty or collecting charges. When I have money, but you don't have money to give me, why should I not be charged from you to the next day when it has come? But the point is that when the demonetization took place, we found 500,000. There were almost 80% of the total quantum of currency notes available. They were demonetized. While replacing that, they have now replaced it with more number of smaller denomination notes, say 50, 100, say 200. But they brought 2000. That is the most ridiculous, illogical, irrational, and it was not proper because the 1000 were demonetized. They were demonetized just to attack the hoarding of cash. And now you bring in 2000. That means you want to hoard more.  That's why 2000 has come. And that is creating problem now. For example, the Reserve Bank, they are responsible for this M3, money in circulation. After the total quantum that they decide, looking to price, inflation, demand, supply, etc., and some ex-quantum of money has to be in supply. Out of that, we find that nearly 70%, 75% are in the 2000. And that is getting vanished. The moment 2000 comes immediately from market, from banks, it is vanishing. We can understand who is doing that. So the result is that smaller denomination which are very much required, they are in less quantity and so there is more demand and we are not able to make up. But the services on paper I have printed up to M3, what is required I have printed. But they are printing more of the 2000. So that is going away from the circulation. So that is creating a scarcity. So let me interrupt you here to be clear. So you are saying that the Reserve Bank is actually facilitating the hoarding of this black money by printing lot of 2000 rupee notes and whereas causing inconvenience to most of the common people by creating a shortage of this short denomination notes. Exactly. You see, the Reserve Bank has become now just an extension counter, more piece of the government. Government is a culprit. Government wanted to facilitate their own people to hoard cash so they have brought this 2000 now. So the Reserve Bank is just taking its master's voice, that's all. Government is responsible. You are right. It is to help somebody 2000 notes and they are doing that and that's why shortage. Is there a deliberate policy of creating a shortage because initially at least during the process of demonetization the Prime Minister has said that everybody has to shift away from cash to digital transactions. So is it one of the reasons why government and the RBI are deliberately creating a shortage of cash so that people can shift into or will shift into digital transactions. Yeah, you got it right. That's exactly the agenda. By creating this scarcity, people will be compelled to move to digital banking. So that's what they are trying to do. But in India, digital banking is okay but that will come later. Today predominantly it is cash oriented transaction. So override you can't switch. Where the technology for the entire country, rural area etc. even in urban for the poor people, that much of banking technology is not available for them to totally switch over to digital. But that is also another reason. But I feel there is another thing behind it for the reason that you know the FRDI bill. The government has brought the bill unwarrantedly. It is not required for India because of that bail-in clause in the FRDI bill and now people are getting afraid that one party is holding the money, marriage people, all the black money people, that is 2000. Even these ordinary people, middle class people, they are afraid of this bail-in clause. Suppose the government and this government people think they can do anything right or wrong. So they are afraid. The FRDI bill, I mean they have used my money to save the banks and there are a lot of problems in banks they perceive for this Punjab National Bank fraud. I say it's a bank fraud, Neera, Modi, Rotomac, Videocon, one by one. And so the middle class also, they are withdrawing the money and keeping it idle because tomorrow something may happen to the banks. So that means Reserve Bank on paper, they have this total money circulation. Actually so much money is not circulation. After the money printed, bulk goes in 2000 for hoarding. Remaining some money is also held up as idle cash, but the middle class thinking that something will happen, they are apprehending, the FRDI bill will come so better to keep some money. There seem to be a good deal of substance in what you are saying because according to newspaper report that I have read recently, the velocity of circulation of money has gone down. That means the money is changing hands less number of times which means that people are actually holding the money. Probably as you said because they are scared of the FRDI bill. Do you see any other evidence in support of this? Is there any reduction in deposits or the fact that people are withdrawing their deposits? Yeah, yeah, yeah, because of FRDI. Number one, you are right, velocity should be at least 70 to 20 times the money should circulate again and again. It has drastically come down now. That means money circulation has shrunk. That is not good for the country. We are neither, we are not digital, so naturally cash has to be there. See, November 2016 is a demonetization. Now 16, 17 months are over. Still many of the ATMs are not recalibrated. Recalibration is very important because now new notes have come, new designs of 100, new types of 10s, new types of 50s, new types of 200 and the old ATMs cannot hold them. So this is also creating another problem, compounding to the mess. So this government is expert in creating mess in banking department. With the result people are losing faith. One side frauds, other side these bad loans are going on, other side you are threatening the people with the FRDI bill. Now there is no cash. So what are they up to?  Sir, now shifting to the other issue of the NPA crisis itself or apart from NPA crisis also various kind of scams as you said of Nira Modi, ICICI bank, Axis bank have come out in the open. So at least till before the ICICI bank the scam came up everybody was saying that it's the public sector banks that are at the root of all the banking sector crisis. So the solution is privatization of the public sector banks. But now that ICICI bank scam has been exposed where the CEO, Chanda Kochar herself has been found to have conflict of interest where loan has been given to an entity which is controlled by husband which is against the rules or practices of good banking practice. So what do you think is the solution when the crisis is all pervasive including public and private sector? Naturally by banking there is a total economic crisis with the advent of liberalization and decontrol and privatization the so-called banking or economic reforms. It's only an automatic child that is to be born only. So it was really expected but coming to the banks as you said so far they've been targeting the public sector banks. It is inefficient, service is not good, their property is not okay then the lending policy is not okay, fronts are taking place, scam is there NPA all types of targeted charges, allegations. And now it is proven, we have been saying it is not so that public sector banks because we are dealing with the total so much of quantum of banking business, naturally the fronts are more or problems are more, we are dealing much more than what they do but now as you said ICI bank has in one stroke access bank and ICI bank they expose this myth that private banking is inefficient in fact the country knows unfortunately people's memory is so poor before 1947 so many banks collapsed. After 1947 private banks collapsed. In fact the section 45 of the banking companies that came only because of repeated bank failures in Kerala, in Bengal in many other places and so from the All India Bank and the association of Denjan Satri Prabhakar was also a number of parliament he raised the issue so this amendment was made in future private banks even if they collapse then it will not be closed, it will be met with somebody else and similarly now do they have any moral right to talk of private essential banks? These 12 accounts which have now gone to this NCLT for insolvency who are the people, all the private sector people private giants corporate people, they are not public sector before NCLT not a single public sector company has gone all the things first 12, another 30, another 40 now about 770 accounts have gone before the national company lot tribunal for insolvency, all the private companies and now it's very glaring, it's a scam, it's a fraud it's cheating, ICI bank has given to Videocon because it is all established that Deepak Kochar is beneficiary so you give loan through the bank and your own family gets the benefit through the trust and whatever so absolutely the government should be very clear now the time is right to privatize ICI bank, Axis bank and all these private banks at all, there is no need public sector alone can be the real engine driving for behind taking the country to progress and development in our country whether private banks are given for education loan whether private banks are given agriculture loan whatever rural loan they are giving it's all buying already the agriculture loan done by the public sector banks they don't do all those things, everything is done by us rural branches we are opening, private banks they don't do anything and now they are all being glorified now the balloon is punctured, everything has come to know if you go into further detail some more private banks will be in the scene so that's why I am saying it is high time that public sector should be strengthened more branches will be opened more loans on congenial terms should be given to the people to take the country forward all private banks especially to begin with ICI bank and Axis bank should be immediately nationalized in country center they are dealing with 9 lakh crores of people's money it is not safe now any longer that means they will misuse nepotism, favoritism to benefit themselves Sir apart from what you are saying there was an interesting pamphlet that I have read recently which has been produced by AIBEA, your own organization that this so called private sector banks actually are not Indian private sector banks for example you said that ICICI bank is majority foreign shareholder bank that means that any profit that these private sector banks make 73% ICI is foreign capital so if it is 73% owned by foreign capital it obviously means that profits are going to foreign companies so even these private sector banks when they are making profits they are not coming in any way to Indian pockets yeah yeah very true there are two things number one they are produced and the the bank is consciously permitting more and more FDI only thing it is not held by one group so there is no foreign owner but it is spread out still nearly 70 75 it is less than 76 up to the maximum and so naturally the foreign content is more and very actively observed whatever dividend they are declaring it is all going to the foreign owners so our money is going out our people are taking loans, credit card, retail, whatever and that interest is the profit and the revenue is going into the country number one, number two is said that private bank there is no bad loan 45,000 crores is the NPA in ICI said bank which is more than the NPA of 16 government banks so how is it that they are better in giving loan access bank all banks are having this more than 120,000 crores is the bad loan only in the private bank including the bandhan bank recent one all this bank bandhan bank is a new one how come that there is bad loan so you can't blame public sector banks are the Kamadhenu, public sector banks are the Neelakanta, Mahadeva, Swaling all the poison of the corporate people their defaulters, they are cheating and then ultimately they are blaming public sector banks and they want to take over their banks no way, no way it is we are dealing with 110 lakh crores of people's money it's all precious savings we have to safeguard the banking we have to safeguard public sector banks and people's money and this one instance is enough that private banks are not efficient in our country all along we know and this is one more example and that's why government must make a decision let us see what this government will do otherwise we will intensify our campaign we have decided in May, June, July 19th July will be the Golden, July 50th year of the bank naturalization there will be more and more strike we shall confront the government it's not possible that this will continue like this they will take all the benefit of public sector banks again only great problem they will not repay the loan put the banks into trouble banks are in losses and private banks are escaping this must be reversed we shall do that the AIBA we have planned we are going to have a big campaign on that so is one of AIBAs demanded this private sector banks which are in trouble they should be nationalized? yes, very much, very much all foreign banks all foreign banks and private banks in our country must be nationalized that is our demand and now immediately immediately you know these two culprits I say it's a bank and I say it's a bank they are caught so naturally they must be nationalized then later we will say one by one our demand is all private banks and foreign banks they must be nationalized no doubt about it that is a country's syndrome that is a people's syndrome thank you sir thank you for giving us your time and we hope to get back to you soon thank you, all the best thank you very much


People who are stateless have trouble accessing education, employment, health care benefits. They're also at very high risk of trafficking. And the relationship between racial equality is that the leading cause of statelessness is actually discrimination. Discrimination on the basis of race, ethnicity, religion. So what you have is that the groups that are most worst off on account of statelessness are actually determined on the basis of their race and their ethnicity and their national origins. The effects of ethno-nationalism are toxic and they are widespread. And we're living at a time when ethno-nationalist ideologies are being mainstreamed. So you'll see in the media, you'll see in public discourse, it's become very comfortable and acceptable to say that a particular nation is only for a particular racial group or for a particular religion. And that kind of discourse is completely unacceptable from a human rights perspective. The effects are extreme. You know, you have people who are being killed. You can think about the Rohingya people who are displaced and experienced torture and killings all in account of ethno-nationalist. But those who are at risk are not limited to Jews.  You have persons with disabilities who all end up being vulnerable to resurgent neo-Nazi ideology. States need to take a much firmer stance against racial discrimination, ethnic discrimination, religious discrimination in the case of non-citizens who are in their countries, who are approaching their country, speak out against hate, dismantle the structures that are doing the work of discrimination in the context of national security and especially economic anxieties as well. States need to be very careful to ensure that they're upholding their beliefs to racial equality.


The students in this module, we will look at the objects and we will look at the scope of the objects also. Because the scope will vary depending upon how the declarations are made and what the results you are going to get. So, let's look at the module coverage declaring variables and the types of the variables which we covered the scope of the variables and we will examine the scope of the variables and I will show you and demonstrate this using examples and things would be clear. Let's move ahead. So declaring the variables, variables are declared in JavaScript with the where keyword. The following are all valid variable declarations. These are all valid ones, all valid. Variable names can contain uppercase and lowercase letters as well as numbers but they cannot start with a number. Variables cannot contain spaces or other punctuation with the exception of the underscore character. Okay, underscore. This is dash and this is underscore. This is underscore. Solving the variable names are invalid. These are invalid, invalid, invalid. This is a reserved word. This is number one. Okay, these are invalid and these are the valid ones. Take a look at the preceding example whereas the first three variable names are invalid because characters are used that aren't valid at all. Okay, the last variable name where is invalid because it's a reserved keyword. That creates a problem. You can declare multiple variables on the same line of code as follows. Okay, like this. Multiple on the same line. These can be initiated on the same line also. You can initiate on the same line also, initiating over here, over here, over here also. Variable types, variables in JavaScript are not strongly typed. It is not necessary to declare whether a given variable will hold an integer, a floating point number or a string. You can also change the type of data being held within a variable through simple reassignment. Consider this example. This example over here where the variable first holds an integer, but then through another assignment, it changes to hold a string. So this is an integer over here. Okay, and then it becomes a string. Okay, they are not strongly typed. So let's look at the scope of the variables. A variable scope refers to the locations from which its value can be accessed. Variables are globally scored when they are used outside a function. A globally scope variable can be accessed throughout your JavaScript program. In the context of a web page or a document, as you might think of it, you can access and use a global variable throughout. Variables defined within a function are scoped totally within that function. Okay, within that, this is a global one. This is global, global score variable. And this is a locally scoped variable. A global variable called a new variable and a variable called incoming bits, which is local to the do something function. Local to the do something function over here, okay? Both variables are passed to the respective alert functions within the do something function. When the do something function is called the contents of both variables are sent successfully and displayed on the screen as shown over here. So you see that which is the, this is local. Okay, and of course, this is global. So this is how the declaration was made. Now let's look at some more details over here. And what we look is the example of the variable scope. Examining the variable scope, using whatever editing material you are using. Okay, you edit your file, but let's look at the results. Okay, over here we have one, two, three, and four. We have four alerts over here. But what we see over here is only three alerts, one, two, and three. So where is the fourth one? The fourth one, the problem over here is that the portion and another two are within the scope because it's a section on variable scoping. And you see that this was, this over here was local, okay? And this was local and it was called outside the function itself. So that is why it was not displayed. So that is why this fourth one, this is missing. This is not there. So I think now you can understand the scope of the variable and how they are declared and how they are processed. That's all for this module.


I guess today folks is Michelle Northrop. Michelle's the founder Intensity Academy Gourmet Sauses. We're gonna have some good hot sauces out here today folks. Intensity Academy Gourmet Sauses is an all-natural hot sauce and spice company. The company's won 55 awards so far, big number. Michelle's was named Tampa Bay Business Woman of the Year in manufacturing. She's also an ardent supporter of local businesses. Michelle, welcome to TFNN. Hi, thanks so much for having me. Absolutely love. Thanks for being on. Look at that. Look at that hat. What is that? Is that all chilies? Is that hatch chilies? What do you get on that? Chili chili peppers, hot, hot, hot. Hot, hot. You know what I just got at my house? I just got 45 pounds of hatch chilies. No way. Yeah, totally. What do you think, what are you doing with them? We already grilled them down and Bridget will use them all went along by cooking. I know, I couldn't wait to have you on. So first up. Oh yeah, hatch chili season, man. That is the best time of year. It is, it is. I love that hat. Oh my God. So tell us about your business. Tell us how you get going. Sure, sure. So I'm known as the Saucy Queen and throughout the Tampa Bay area and beyond. And we create all-natural hot sauces, spices, dips. And we've been doing it for about 15 years. And if anybody needs to get sauce, I'm the person to ask about it. And the website, folks, is IntensityAcademy.com, okay? So it's a great, and so let me ask it. When you were naming the company, it's just the intensity, I guess, of the great taste that you have, right? Right. And so I started the company because I was inspired at the garden of my children's school. Okay. So the full of the week was carrots. So I brought a basket of carrots home, whipped it up with some peppers. Yeah. And I came up with a kickin' carrot hot sauce. I love it. Yeah. Okay. That started the business. I figured, hey, let's just take a risk. Either everybody was gonna get a gag gift for Christmas or it was gonna take off. Yeah. And it's been doing great. That is awesome. So is there a special sauce that people like more than another sauce? Well, our most popular is our garlic goodness. I see. Okay. 100 pounds of fresh garlic and we slowly roast it for a few hours until it's that beautiful caramelized effect. Yes. And then we burn it. So it's like a garlic puree mixed with habanero, Thai pepper, red pepper, a beautiful blend of flavor. I happen to have one right here. Look at that. Yeah. It's how thick it is. It's like a garlic puree. And nice and healthy for you, right? Oh, yeah. All healthy. And the number one ingredient is garlic, not a filler or water. So it's a pure product and everything is made locally right here in Tampa Bay.  So tell us about the manufacturing process because that's a big deal. Yeah, it is a big deal. So to take a product that you have a recipe for and have to expand it to be able to create a hundred gallons or 200 gallons at a time. Yes. That's a huge process for sure. And talk to me about the, how do you get the glass versus the product and the product into the glass? How does that work? Right. So right now because of our pandemic there is a glass shortage throughout the United States. Okay. So I'm currently waiting to produce five products until the glass comes in stock. It's really hard now to source versus when I started 15 years ago. Yes. There is a glass manufacturing company in the Tampa Bay area. So we use them. I do produce my labels locally, my glass locally. Okay. I'm fresh from Florida. The ingredients are local. So if it's local, it's in the bottom. And which is pretty cool. I mean, we have a lot of, you know, going up north a little. We have a lot of great, you know, basically soil that you can get some great plants, right? Right, absolutely. Yeah. So what is your favorite sauce? So my favorite is the saucy everything. It is- Oh, interesting. Mayo. Okay. And it is good on everything. So you think of like, I make my own version of our sriracha and then I make the mayo and put it together. Yeah. Bam, it's great on shrimp, on street tacos, on sandwiches, dip chicken tenders in it. It is literally good on everything. So you must have been pretty excited. Like, I've done a lot of shows when I was a kid, you know, I used to be in the food business and you're in a tough business and everyone wants to be, you know, the saucy queen but you are the saucy queen. So tell me about the breakout. How did you break out? Sure, sure. So first of all, it's not easy being the saucy queen. Let's just say that. You're gonna live up to that reputation. That's right. Right. It's a 24 seven job. When I started the business, like I said, I had decided, okay, I'm gonna take chance. I had literally enough money to just do one batch. I love it. It was gonna work or it wasn't gonna work. And so from that batch, the next time I was able to do two batches. Wow. And so on and so forth. So I never borrowed a penny. I just had the initial batch and I just grew it from there. And the way I grew it in the Tampa Bay community was by collaborating with other small businesses. Nice. That had nothing to do with sauce or food, even. For example, one of the companies I partnered with was an eye doctor. Okay. And he thought that because carrots are good for your eyes, he gave away a free bottle of carrot hot sauce with each appointment. So collaborating with other businesses in your community was a great way to get the word out. Oh, this is fabulous. Well, listen, congratulations. Thank you. I guess what you're doing. You get that kitchen, you started with zero. But guess what? You started with a great idea and a great cook and a great smell in your kitchen. So that's, yeah. Absolutely. That's a big number, man. Well, listen, Michelle, this is a pleasure and I look forward to having you on again. Congratulations, man. This is just awesome, man. Sauce isn't where it's at. So the website, folks, is IntensityAcademy.com. Get over there and order some sauce up right now, baby. Have a great one. Have a safe one. We look forward to having you on again. Thank you. Thank you, Michelle. Okay, bye-bye. Stay right there, folks. Come right.


Hi there, I'm Farika and we're glad to know that you're interested in one of our programs here at Tilberk University. This is an instructional video about our online application system. So for those with a non-Dutch educational background, this is an important video for you. First, there's SteadyLink, the Dutch national registration system for higher education. To start your application, you will first need to register in SteadyLink. Then there's OSIRIS, which is the main information system here at Tilberk University with different modules. OSIRIS and MELS is the application system necessary to upload all your application documents. Then there is OSIRIS student, which is only necessary once you've been admitted, where you can continue or complete your enrollment and also register for courses or even review your grades. Please check the admissions and application web page of your desired program to get further details about the required documents. Once you've gathered all the necessary documents, you'll need to register in SteadyLink. This is a rather simple process. It's good to know that you can select one of the three languages, Dutch, German, and English. For the sake of this video, we'll offer English. Once you're selected your preferred language, you'll see that you have two login options. Login with Dheeday and login without Dheeday. Dheeday stands for digital identity. To log in with Dheeday, you will need to be living in a Netherlands. For those who do not live in a Netherlands, you will then need to select the login without Dheeday option. Also, if this is your first time registering in SteadyLink, you'll need to create an account. It's simple, just like on the create SteadyLink account without Dheeday option. For EU members, there's a straightforward way to create a SteadyLink account. You can simply use your country's national authentication system by clicking on login with EITES. Do note, not all countries are listed yet. However, more will be added throughout the year. If EITES is not available in your country or you're residing outside of the European Union, you will then need to verify your identity in another way when creating a SteadyLink account. You can do this by uploading a scan or photo of your ID. For example, your passport or European identity card. The tool will read this digital copy of your ID and verify its legitimacy and completeness. If you hold two nationalities, you will have to select one. In the event that one of your nationalities is European, it is best to upload your European passport or identity card because it will be used for the calculation of your tuition fees. After this check has been successfully completed and your identity has been verified, you can proceed with creating your account. Here's an important point when creating an account. Use an email address that you have access to for duration of your studies here at Silver University in order to not miss any important information. That's the best tip here is to avoid using an email address from your previous school or university. Once you finish creating your account, you will receive an activation email. Once activated, you can start the actual registration. You will then start by adding your previous education. If you've not attained your diploma, please select the no not yet option and fill each field that proceeds in completely. It's very important that you add all your previous secondary and higher education study programs whether you've completed it or not. Failure to do so will result in you not receiving an email with the logging details and the link to our application system. We will now proceed with choosing a study program. You will select the add new enrollment application button. You will then fill Silver University as your educational institution. W.O. Bachelor if you're interested in a bachelor's degree or for those interested in a master, please do select W.O. Master. For the sake of this video, we'll select W.O. Bachelor. Once you've filled in educational institution and degree type, you can then fill in your program of choice. The exact name can be found on the admissions and applications section of your desired program webpage. In this case, we have chosen global law. Once you've found the program of choice, click select. Under the tab study program details, you can fill in your preferred type of enrollment. Here you will need to select students. On the tab, institutional questions, you'll need to answer an array of questions. Once you've answered all the questions, you'll need to ensure you did so correctly. Once you've done such, click confirm. It is good to know that you can only have four active applications per academic year in study link of which two can be for numerous fixes programs. At the moment, Silver University only offer one university fixes program, which is the bachelor's degree in psychology. Now that you've completed your study link registration within 48 hours, you will receive two emails. One from the library and ID services with your student number and Silver University email address. This will be very handy for you to complete your enrollment. However, it's not necessary for your application. The second email, however, will be very useful for your application as it has all the login details for our application system called Osiris AdMelt. Once you've clicked on the link in your email with the login details, you will see the screen. You can then select your preferred language. In this case, a lot for English. Then you will need to fill in your username and password. Do note, however, that when you log in for the first time, you will be asked to change your password. In the case that you have lost or forgotten your password, you can simply request for a new one by selecting the change user name, password, forgotten option. Now that we're logged in, you'll see a summary of all the programs that you've registered for at Silver University. This includes the application status, the progress you've made in your application, and once you've submitted your application, you'll find the decision made by the admissions committee here as well. When you're ready, do click start change application process. On the screen, you'll see all your personal details. This has automatically been transferred from the city link. So if you'd like to make any changes to this information, please head over to city link to do so. If all this information is correct, you can then click on continue. On the top of this page, you'll find the different tabs as it relates to the steps you'll need to take before submitting your application. We will start with the tab identification. Here, you will need to upload a copy of your passport or ID card. Please note that your password should be valid for at least six months after the start of your studies here at Silver University. Once you finalize all your details, click continue. And by clicking continue, you will automatically save what you've done thus far. In the educational background step, you will need to fill in your higher education. You will first start by providing the type of higher education, which in most cases is a bachelor degree, followed by an array of information covering name and country of higher education institution and expected date of graduation. In case you may have not been awarded your diploma, you can select that option in a dropdown. Also, be aware that you must provide the admissions committee with your diploma before starting your studies here at Silver University. After completing the diploma related questions, you will be asked to upload your transcripts. And in some cases, you may need to provide us with a diploma statement. This is simply a confirmation from your university that you are a current student there. Also, it should contain your expected date of graduation. This is a good moment to mention that all files uploaded should not exceed 10 MB and must be in PDF format. Finally, for those who may need to add any additional higher education, you can do so by selecting yes in the dropdown. If not, select no, which is what we will do now. Once you finalize all your details, click continue. Or you can click on save to continue your application at a later time. The third step, you may need to provide us with your English proficiency test certification. To know whether you can be exempted from such, please refer to the English requirement page on our website. You will first need to select a language of instruction, which will most likely be English. To note, it is mandatory to have your English proficiency test scores and certificate at the time of application. If you do not have them as yet, unfortunately, the admissions committee will not be able to process your application. Unless you're exempted from taking an English test, then you can offer the exempt from this requirement option. A dropdown will appear where you will need to select the reason for your exemption. If you're applying to one of our programs in the field of economics and management, you're then required to provide us with your GMAT or GRE scores. In this next step, you will need to upload all the documents stipulated in your application package. Do note that the required documents vary per program. In this specific example, a CV court description, among others, are needed. Please check the admissions and application webpage of your desired program to get further details about the required documents. Once you've uploaded all necessary documents, you can click continue. Here, we will have the option to add any additional documents to your application. Do note that your admissions will be based on the required documents, which are specified on the admissions and application webpage of your desired program. In this case, we do not need any additional documents, so you can proceed to the next step. The service step is only relevant if you had an assistance of an agent throughout your application process. If this is not the case, you can select no. Now that you've uploaded all required documents in PDF format, you can review your application to ensure you went through the steps correctly and that you're not missing any relevant documents. Before you submit your application, here are some points you need to keep in mind. Ensure that you submit your application before the deadline. The deadline can be found on the admissions and application webpage of the program you're applying to. If you need to make changes to your application, you can only do so if you have not submitted your application. Once submitted, changes are no longer possible. In case you need to change a key part of your application, you will then need to contact your international admissions coordinator. You can find their details by simply searching international admissions coordinator on our website. Once you've checked everything, you're then ready to submit your application. Now that you've submitted your application, you'll receive an email confirming its receipt. You can always log back into the online application system to check the status and progress of your application. By clicking on the progress option, you can get more information about your application. You'll be able to see at what stage in the application process you're in, for example, whether your application has been marked as complete or your diploma has been evaluated already. When a decision has been made, you'll be informed by email, but you will also be able to find the decision here. You can expect this decision from the admissions committee in approximately four to six weeks. It's possible that your international admissions coordinator will need new documents from you. If that's the case, you will be contacted by email. You will then need to log back into SIRS ML to make the requested changes. This means the processing of your application will take longer than four to six weeks, which is why you should always double check your application before submitting. Now that we've guided you through the steps, we wish you much success with your application. Thank you for watching this video. We hope it'll be very useful for your application. If you're interested in studying until work, then do try out the following videos.