Seaman is of an extraordinary level of potency, it is one of the most potent things if you know how to use it. Can it be transformed into a different level of function? Absolutely. This can be scientifically established.  Can wasting our semen damages spiritual?  Yes? Well, we have skin, we have epithelial cells, we have hair, we have many other aspects of body, you know, heart, liver, kidneys, so many things. All these cells are of a certain potency in their own way. But semen is of an extraordinary level of potency, it can create a whole new life. Well, today you can take an epithelial cell and do a lot of things in a laboratory and maybe we can clone you, all right? So the potential is here also, but it is not in the same dynamics as it is in the cell, which is which you're referring to as semen. So in the yogic culture, this is called as virya. Virya also refers to what you call as vajra, which means stability or diamond, which is the hardest thing. So in the human body, virya is considered to be like vajra. That means it is one of the most potent things if you know how to use it. Well, how to use it means you can use it to produce a child. That's one thing. Well, if your this question is coming because you are using it to spill it on the JNU bedsheets, okay? If that's how you are using it, well, that's your compulsion, you're doing whatever you're doing. This is not something to be judged morally, that's not the point. It's a question of what is the level of compulsion that one has. But anything in this body, can it be transformed into a different level of function? Absolutely. Not just semen, just everything in this body can be transformed. See, suppose I give you all soup making ingredients, same soup making ingredients to every one of you, do you believe all of you will produce the same soup? Now you will produce five hundred varieties of soups, those same ingredients. That's all that's happened with us right now. All of us are fundamentally same ingredients. But see how different each one of us are. Different soups? Well, if I give you soup making ingredients, either you can make a great soup or a lousy soup. Depends what kind of skills you have, isn't it? So this goes for everything, not just for semen. Every dimension of your body and your mind, you can transform into something tremendous or you can make it mediocre or you can make it a serious problem. Every aspect of your life, that goes for this aspect of life also. See, people are making it literal translations, but if you want to produce a certain, let's say epithelial cells, how much energy the body spends on it and if you want to produce a cell which you call a semen, how much energy the body spends is very different. This can be scientifically established. So when you're investing so much energy in that, obviously it has a potency if you know how to explore. But are you competent to explore? Are you capable of exploring? Do you have the necessary sadhana and guidance to do that? That's a big question mark.


knife water bottle Warm container done No, you didn't get the hot and spicy bro. Okay? Yeah, that's a good question. I'm sure there's a trash can somewhere. You can just eat them really quick. No, I'm the hot and spicy Dude, they're not even like red spots.  Go check it out matter of fact Let's run some real quick. We a dub. Why don't you grab that right there? Yeah, yeah, open her up. Open her up. We're gonna do something. We're gonna be nice to people man. Remember this What do I have going on in this little container? All right, we're gonna do that. Okay. Okay. Okay. Okay. Oh, that's too juicy, man That that thing put it right there. All right, that's good, man Oh, no pick one out of the sixth sense man. We gotta get the juice this one My bad That's cool, that's cool little swim jig. Oh, yeah, that color should work everywhere. That's a juicy color The versatile one. All right. So you guys see all this stuff. You got spinnerbait swim jig paddle tails Crankbait baby all this stuff right here. I'm gonna be giving it away to you guys I like running giveaways just because man you guys support the heck out of me I want to give stuff back and we'll be running another big one soon I know people have been asking and we're just gonna run this one for right now These four baits right here We're gonna be giving these away if you guys want to enter all you have to do smash that freaking like button Let's get this video like 10,000 likes, baby. Let's do it. I know you guys can do it Subscribe to my channel hit the notification bell and subscribe to my man. Ado. He just hit 6,000 freaking subscribers boys Let's get him to 10k seriously Can we get you to 10k off of one video when I get to 10k? I'm getting a new GoPro He really wants a GoPro like super good quality. He needs a GoPro because like I got this new GoPro I got a mic on everything. He wants to get hooked up. So get him to 10,000 man. We can get you to 10,000 That's a big gold bro. 10k. Let's let's get into 10k guys, but uh yeah smash that subscribe button subscribe to my boy I'll leave him in the description box below. Let's go ahead and get this video started. I'm gonna set this aside I gotta put this in a bag so I remember where it's at. Okay So hey dub explain what you're doing with the old extra hot Pringles can and the old water bottle We're gonna do some more surgery.  So we've got one container But we need another one in case we find more stuff like beetles or grubs or I don't know some creep crawlers So what I'm doing is I'm just taking my knife Just pushing through and I'm just cutting it all the way around This one's a little bit harder to cut than the water bottle. Don't try this at home kids This is dangerous I'm a trained professional There we go good enough did you can use to now? Oh gosh look at this We're killing the game over here, bro. We got three Containers now. Yes, sir. So we got the old hot and spicy.  Just because it's so hot. Yeah, no, I don't know too soft too sauce Well, if you guys are wondering what we're doing, we're finding our own live bait today, whatever we finding it We're gonna try beetles worms grubs literally whatever we can find. We're actually at a park right now This one's called Tom triplet out in Savannah. We actually got a pond out behind us over there I don't know if we're gonna end up fishing here But we are gonna be going into the woods into the depths a dub in finding anything that we can get so Well, yo, let's take our little containers. Let's get into the woods and see if we can find some bait So we're going in this direction or should we go we should probably follow the path, right? I feel like if we follow this path and we can go out that way we can go deeper into the woods There's actually a trail. I think like back here in this corner. I haven't been here in a while There might be right here.  We can probably find some bait not sure I've never looked for bait here before. Oh, there's a big carpet. Look at that My camera zoom in. It's got it's gonna take a century Biggin, dude Biggin look at this. Look how moist it is too. This is like the swamp. Dude. We found the juice, bro Oh, that is a swamp. I'm gonna get attacked by an alligator. All right. Lift up this bad boy lift up this one first This one this little tiny one. This one's kind of small. I don't know if there's anything Oh, we got a worm.  We already got a worm. Oh my gosh What? Dude first little what? Okay, hold on. We gotta we gotta do some digging Dude, I sat down a briar. It poked me in the butt. It freaked me out We found the jackpot right away. Look at that. I need a little little digging tool We need to make a little digging tool so I can move this dirt. That might be the only one. Oh my goodness There's no way we can use that. It's like the world's smallest worm. Put them in there. Anyways, dude That's like world's smallest worm. It might just be all water underneath of it though Yeah, that one's a little bit too moist. I've been wanting to film this video for a while I will give a shout out to my boy Ryan. I know he did one last week. I actually just saw it. Do look at these This might be good.  What is that? I don't know Oh, what a worm?  What the heck? Why is there a bridge out here? Terabithia It's so weird Something's moving around in there. What is that? Look, I found a grub. What is that? No, no, no. There's another one right there No, another one right there. Oh, there's two two grubs two grubs. There's two of them Okay, I don't know if you're supposed to touch these or not really I'm gonna pick them up with two mistakes Oh, dude, that's juicy. You know what? I'm picking it up. I don't think it hurt you I'm not scared. Let hold on. Let's get a close-up shot. Look at that joker Oh, dude, that is money. Where'd he go? That is bass candy That is fish candy right there. They're gonna slurp it, dude easy. That's money They're gonna slurp it. We hit the jackpot double kill. That was a good. That's a good find. That's probably the best find today That's a snake Oh No Oh no, dude, this challenge has got a little too much, bro Oh No Oh, no, do you see him dude? I saw him. I don't know the camera. Look right there in between the cracks. Oh, I see him Yeah, hold up. Oh no Oh, I was gonna see a snake. Look at his freaking body Listen, there's one thing I don't I don't mess around with the snakes. There's a frog a frog. Yes Wait, you mind just slipped out of my hand You got him You got him. Oh my god. We're kicking their best fam approved. I did it He did Well, I mean, honestly It's finding our own bait fishing challenge. I mean the fish eat frogs. It's not like I mean, it's the same thing with worms like Worms don't usually get eaten by fish because they're in the ground This aren't in the ground. True. But everybody uses them for bait. True. You got a point I mean, this is our finer like we're we're just experimenting over here trying to find everything That we can all right. Yeah, I guess we got to put them somewhere I don't know if we're going to be able to keep them just because how's it? He's probably gonna hop out of one of them things You can actually stick it in here and then flip that water bottle over shove it in here and close it off True Oh, wow. Dude, that's perfect. We found three things so quick and a snake So far so good guys we found a good bit of stuff, you know We found a lot of worms some of these little maggots whatever the heck they are these little grub looking things I have no clue, but it's freaking good. We got a frog. I don't know what we're into with him We put them in here and we put some holes in there. So he has breathing room I mean, this is you know, we find our live bait. We use it. I don't know man I feel like anything that we find we should use but except for a snake. I'm not using that Look at that. He's like green with brown on him, dude.  Oh my gosh Ada Mr. Crocodile dude, where's your crocodile hat by the way? I left it in the trunk. Oh, okay There's another one. It's a different color though. Oh, there's they're everywhere. There's two more No, right there by my foot. He's on your foot. No.  He see him Oh, oh no No, no Yes Got him. That was a successful little trip.  That was a pretty crazy-looking one Yeah, we got some frogs.  We got like three different ones Like I said, dude, I don't know if we're going to use the frogs, but you know, we got them What do you think we got them at least should we at least try it We've run out of bait or something. I've been wanting to do like a frog like trying a frog I mean, I I don't know guys like like I said at the end of the day We're trying to find our own live bait found some frogs. I've never done that before We use frogs all the time for bass fishing all the worms we're good They're not gonna crawl out and grubs in here. We got the frogs in here. Got our bait So boys just made it inside of walmart. We had to do a little quick walmart run You know, we're always coming in walmart, but we need some hooks a dope. So, uh, what are you thinking for the hook?  No, I'm just kidding. Probably these right there, bro Oh, those are good. Those are honestly perfect The long shank on those is good too. That way they don't get good hooks. Yeah, see that pro tips right there There's some basic probably good This is kind of smaller, but I mean Those are weird. They probably won't work in my last live bait video I actually filmed it with my dad and I ended up breaking a rod man I broke my rod broke the good one, man. I got a zebco. All right. This is what I got I got zebco, which you can use man old the old Fashion zebco bro. It's the it's the good one, bro It's the anti good edition bro. Kind of want a new rod a dub Like since we broke the last one. I kind of want another one But I don't know if I want a push button.  We got some push button ones. See these a dub I mean, these are pretty cool. We got some of these colored zebco ones It's kind of cool, but I kind of want like a spinning reel. You know what I mean? So we got a bunch in here. We got all the little kitty rods This this and that and there was two that really stuck out to me Okay, we got this ugly stick one down here And that one's our eyebrow, but look at this one that is like Dude, this one looks freaking sweet. This one's pretty cool. It's called the dock demon, man And look at that.  It's got the tiny spool I feel like that one's perfect for like live bait fishing, especially if we get a big bass on that dude That would be a fun fire Fish too comes with lining everything. What's what I'm saying? Is that what we're going with? Let's go ahead and get that one man. $17. Let's just get it. We need a new one grab our stuff Let's go check out. All right. We got the goods. It is time to go fishing boys We're gonna figure out what we got to do figure out the place that we got to go The weather's getting a little iffy now.  I think we should be good We got the oh killer dock demon over here. This thing's gonna be good and all the tackle You know what just kind of clicked in my head right now What's that?  Don't do it to us. What in the heck is this dude? All right, my parking job is horrible. But what is this man doing running this line through the guides on the rod? It's pretty sweet rod in it. Yeah, man. It's pretty sweet. Very light It's a little tiny tiny rod. Very light. That'd be fun We got the uh old bait in here, man It's been raining a little bit so we've been we went and got some lunch and Now we back at it and got the old froggies in here And we're gonna be rigging them all up, man. Look at that guys See that little green one like a green on his back. It's a little exotic looking dude We have the frogs me and Ada we're talking about it, man We just think we're gonna let them go, you know, maybe sometime in a future video. We'll use them Leave your thoughts down below. I don't want to like make anybody mad or upset to be honest with you I mean, these are a little cute tiny froggy guys, but uh, yeah, leave your thoughts on the frog video down below If you guys want us to do it, we'll do it. We're gonna release these guys We have the smaller ones still over there. Um, but you want to put them over here by this bush. Oh Yeah, it was cool to catch these guys though. Look There's a grasshopper where there's a grasshopper.  You see it. Yeah, we can use him. Yeah Oh What You got them. Yes, you actually have them Oh my gosh, no way. I got it in my hands right now. All right.  We just exchanged the frogs. We did a good deed, man I got us a grasshopper here. I'll let you go for it Uh-oh I got it. Oh I think it's a bass Oh, he came off On the tiny rod dude, that was so fun though. I wonder if he took the bait I think he did man. I think he took a little grasshopper. Oh, he took the little mini grasshopper No Is it going yeah, all right. Let's see what we got next on the menu boys All right, what do you think nightcrawler or grub? I want to go with a grub man grub. Let's go with a grub They're so juicy. I think that they're just gonna eat that thing up All right Let's do it.  That was that was pretty quick That was a lot better than I was doing. That's for sure. Got him.  Look at that. Yes. Yeah Dude on the grub. That's not a bad size one either. Too bad, man. That's a good little start for this fish I was kind of scared. We weren't going to get one on there at first Oh, man. I was like honestly thinking about going and putting the worm back on. It's not a bad one though Not at all first fish today. We got to start somewhere man. Not a bad one.  That's bass candy. That's like bass candy size Bass candy. All right, man. A.W. You want to put like a nightcrawl or maybe a grub or some on try Yeah, let's do it pretty little guy You want to try So Adam's right there fishing I just got me a grasshopper. Look at this I'm using my iphone because of my camera dad. Look at him. See him right there. I got a grasshopper. There's tons of them Yep, look at this I'm gonna try to do this in one hand Got him I got another one, dude. That was legendary. Let me put the camera down. I don't know if you guys can see me We're gonna add him to the bucket. God, we are catching. I did not think we're gonna catch more live bait Guys, look at that. I got two in there now Oh Look at that one. I got him with my two fingers, bro. I just got a big in you got him here. I got another one for you Do you take it? But look it's all good That's a good one, bro. That felt like a good fish, dude It was like bending my rod completely over dude. I got two more in the cage over there I'm gonna try to find some more. That's interesting.  I'm out.  Look at this. They just eat it man. Nope Oh No, oh, yeah, no Oh That's literally a bass.  That's a fun-sized little candy bar right there


I mean, you almost saw me puke on air like, oh no, this is not good. Everything's supposed to go much differently. Then he tweeted me and said, it's great news, honestly, bro, give me a call and I'll give you the info on it. I chatted with him afterwards. So I believe what had happened was he had a ankle functioning issue, not injury issue, ankle functioning issue that had been lingering and they could not figure out what it was. So they did an ankle surgery. They thought it was an ankle problem. Turns out they learned and found out through scans and tests and multiple different eyes and doctors.  So the reason why this is good news is because they found out what the going on with his ankle. So this surgery should actually make him a much better athlete, better player in his body, better on the other side.


The other important unit is a feed-forward net. This is just a simple feed-forward neural network that is applied to every one of the attention vectors. These feed-forward nets are used in practice to transform the attention vectors into a form that is digestible by the next encoder block or decoder block.


Today I'm sharing five things you might not have known that you could make with your Instant Pot. Now, I use the Instant Pot quite often. I've slowed down a little bit in the summer because we eat stuff like hot dogs and hamburgers, but there are still things that you can make in your Instant Pot for like these five recipes I'm going to show you. I try to gear them towards summer, so it will make this time a little bit easier for you. So if you guys are ready, let's just jump right into the recipes. This one might be my favorite. Number one is our snow cone syrup. Now, I have actually not tried this before. This will be my first time attempting it, but someone told me you could do it, so we're going to give it a try and see how it goes. First, we're going to take two cups of sugar and just put it into the bottom of our Instant Pot. Then we're going to take one cup of water and pour that in. Now we're going to need this liquid, so we're actually going to pull it up a little bit and just kind of mix our sugar and water around. You don't want to mix it completely because we need some of that liquid to pressurize, so we're just making the sugar water. Now, you have a few options, so you can either put the Kool-Aid, one packet of Kool-Aid in with your sugar water and make that just one flavor, or you can just make the sugar water and then add these after, so you can have a few different flavors with the same amount of sugar water. Okay, so we're not going to add any flavoring in there, so we're just going to put the lid on, make sure our little knob is turned to ceiling, then we're going to come down here and push pressure cook. We only need this to cook for one minute. After the one minute, we're going to let it release on its own for about 10 minutes. There we go, one minute. Now you can just walk away. It's hit about 10 minutes, so we're just going to go ahead and release the rest of the pressure. Sugar water, done. Oh, it actually worked out really well. That mixed together actually really well. Okay, we're just going to, we're going to pour it into a bowl to make our lips a little bit easier. Okay, so I'm just going to take about half the packet and fill it into these little squeeze bottles. You can even do like a bowl if you want to. Actually, I added the whole thing. Meh, it's fine. Let's try the whole thing, see how that works. It might be very flavorful. Okay, and we're just going to carefully fill this because it's hot. Let it cool a little bit before pouring just because you don't want to be burning, burning, but I'm just going to shake it up a little bit. Now it's time for the snow cone part. All right, it is taste test time. We're going to do the three colors because that's fun. Our head and the blue. It literally reminds me of my childhood. Okay, taste test. Let's see how it is. That is good. I like that better than the normal syrup. I'm a fan, huge fan of this. I'm going to write this a five out of five. And the kids loved it too, yeah? You excited? Yeah. Okay, here we go. So good. So I saw that you can make some amazing cornbread in your Instant Pot. I haven't made this one either. We're going to try it, see how it works. Yeah, and then I'll let you know if it's worth it or not or if you just should cook it in your oven. So let's give it a try. So we're going to start with one egg, crack it, put it in your bowl, and you're going to whisk it like you have never whisked before. And I'm just kidding, you can just whisk it like normal till it's pretty fluffy. Next, you're going to add one cup of buttermilk, about a third cup of vegetable oil. I'm just going to eyeball a little bit here. One cup of flour, one cup of cornmeal. Yum, I do like the smell of cornmeal. You need two thirds cup of sugar because you know, the world is just a better place with sugar, right, right. And then just one teaspoon of baking powder. Then you're just going to mix this until it is well combined and it will be pretty thick. Wait, wait, wait. I forgot a little bit of salt. There we go, about a teaspoon, much better. Okay, so I have this springform pan. It's about seven inches by three inches. It can work in your Instant Pot or oven or I just love using springform pans. So I'm going to use that today. I have it on this little trivet that came with my Instant Pot. Okay, you're going to spray it with some cooking spray. There we go. We don't want it to stick. And we're just going to pour it into the bottom of the springform pan. Then we're just going to spread it out evenly. There we go. Now it's time to cover it with foil. Cover with foil. I'm just covering the top. I did see you can cover the bottom, but that doesn't make any difference to me. So we're just going to cover the top. Oh, before we do that, we've got to pour in our water. So make sure you pour in one cup of water that needs to go on the bottom. Then we're going to put our cornbread into the Instant Pot. Go ahead and put the lid on. And if you have a little knob that's sealing and venting, make sure you turn it to sealing. Okay, then you're going to push pressure cook. We need to cook this for 55 minutes. Once it's set, I can just walk away. All right, when it's done, I let all the pressure out. Once all the pressure's out, you can go ahead and open that lid. Let's pull this out. I'm excited to see how it turned out. All right, let's check this out. Cool. Okay, it doesn't really look cooked, but it is hard. It is, it is cooked. Okay, let's, let's try it. This, oh, it's a weird texture. If you've ever made cake, it's kind of like a moist cake. I don't know. Maybe it will taste better than what I'm expecting, but the texture is definitely throwing me off. Okay, I love cornbread. I love it with butter. Can you see my little helpers in the back? Lots of butter. Lots of butter to hopefully help the texture. Tastes better than I thought it would. It's definitely like a moist, moist cornbread, which is pretty good. Threw me off at first, but I like it. Okay, I'm going to rate this one. I give it like 4.5 out of 5, which is really, it really is good. Just the texture is just a little different, but I'm okay with it. Have you ever had that moment when you're out of caramel and it's very important that you need some caramel right then? Well, today I'm going to show you how to make homemade caramel or dulce de leche in the Instant Pot. Super simple and easy. You literally need one ingredient. So we're going to start out with a 14 ounce can of sweetened condensed milk. Now I'm actually going to cook it inside of this can.  Now, once the wrapper is off, this is the most important part.  You will have an explosion or something horrible. So make sure the lid is off. Now to make it a little bit easier, you want to put something down below. So whether it's foil or a trivet, something so it's just not right sitting on the bottom. Then you're going to cover your can with aluminum foil. Now make sure it is sealed tight as tight as you can get it. Then you're going to put your can just right on top of your trivet. Next, you're going to fill up your pot until the water is about halfway up the can. Now, although it's hard to tell here, the water is filling up and when I'm done filling it up, it's halfway up the can. So now you're going to put the lid on. Make sure it's really tight and sealed correctly and you're going to turn the knob to sealing. Now, depending on which kind of instant pot you have, this instant pot has a pressure cook button or if you have a different one, it could have a manual button, but we're going high pressure all the way up to 40 minutes. When the 40 minutes is up, go ahead and turn the knob for a quick release and then take the lid off when all the pressure has released. Now you're going to want some sort of oven mitt to pull out your can. You can use your trivet, but for me it was easier just to use my oven mitt and pull it right out. Now for my favorite part, it's time to take the foil off of the can. Now if I would have known that it was this easy to make, I would have made it many, many years ago. Now the caramel or caramel is a little thick right now. The goal is to get it nice and smooth. So I like to dump mine into a bowl and put about a half a teaspoon of vanilla on top and just start mixing. Now keep mixing because it will get smooth and it will start to set up. As soon as it sets up, you can serve it with apples. I like to serve it with a little bit of sea salt on top. Now in the summertime, I'm eating a lot of rotisserie chickens, but lots of times we just chuck our rotisserie, the bones of the rotisserie when it's done. Hold on to those. You can make some delicious chicken broth out of it and then stick it in your fridge so when you need the broth, it's all ready to go. So that's what we're making next, chicken broth.  And now the leftovers, I am going to make some chicken broth. All right, so first I'm going to add one onion that's not really chopped up, just quartered thrown in there. Then I have two stalks of celery I'm putting in and then one carrot or a few baby carrots just to give it a little bit more flavor. Now you can add some garlic if you want to. So then I'm going to add eight cups of water into my instant pot. And that is all you have to do. So now I'm going to put my lid on, making sure my knob is on ceiling. And then I'm going to push the manual button and I'm going to go all the way up to about 60 minutes. Now I let it release on its own for about 13 minutes. You can do it for 10. And then I pushed the knob over to venting. When all the steam is out, you can take the lid off and your chicken stock is ready to go. I love this because I get rotisserie chickens all the time and now I can get chicken broth with it. Now I just like to put mine in little containers, put the lid on and stick it in the fridge just because I usually use it in the next week or so. And that's all there is to it. And the last one, number five is instant pot mac and cheese. Now this is the box mac and cheese. Now every mom, dad, grandpa, grandma, anyone who loves mac and cheese, you can thank me. Yes. You can thank me. This is my favorite way of making mac and cheese because you don't have to stand over the stove top. Super simple. It's a game changer. So what you're going to do, make sure you take the cheese out, of course. I actually did that in college once. I just dumped everything into the cheese. But we're learning from our mistakes. Okay, you're just going to dump your noodles in, then you're going to add about one and a fourth cups of water just on top of your noodles. Just want to make sure all your noodles are covered by water. That's the most important part. Okay, then this is my favorite part because you don't have to stir, you don't have to mix, you don't have to do anything. So we're just going to add our four tablespoons of butter. We're just kind of following the directions from the box and then fourth cup of milk. This is a lot easier. That is a lot easier. Then like, are the noodles done? Are they still chewy? Exactly. Okay, so we're going to put the lid on. Make sure that your knob is turned to ceiling, not venting. Then we're going to push either the pressure cook or manual button depending on what you have. And then because it's noodles, we're just going down to four minutes. So once you set the timer, then you can just walk away. All right, all done cooking. We're going to turn the little knob to venting. Okay, it's all done venting. We're going to open it up now. So this is one way that you can do it. I just dumped everything in, but you could also just put the water and the noodles in and cook it and then add your milk and your cheese and your butter like everything else. But I just, I wanted to try to see if it works right through everything in. So let's put in the cheese and we'll just see how it goes. I really try and search for things to make my life just a little bit easier in. Yeah, just dumping everything in mac and cheese. We're calling that a win. Win! All right. Smells so good. This is like my favorite. Okay, if you've made it this far, you get something before everyone else. Next week, make sure you watch the video because I have a huge surprise to share with you. I'm super excited. We've been waiting years for this. So any guesses put down below. I'm curious what you think. All right, guys, I'll see you next time. Bye.


Hi guys, welcome back to this video. I have had so many of you ask me the question of I'm a brand new nurse. I'm a new grad nurse going into the world of nursing and we are in full-blown pandemic COVID mode and what are some tips that you have for me to help me succeed in this like crazy time of nursing and so I wanted to share a couple of helpful tips and insights for you all and What I think is beneficial for new grad nurses and new nurses are going into the COVID World during during this crazy crazy time I actually had my neighbor reach out to me a couple days ago And she was saying that her sister-in-law has been looking for a nursing job and she was asking me specific questions Like is this normal? Do you think this is a good job? And it was a position for an ICU nurse where they're taking like seven patients per nurse and I was like whoa that that is like that is not normal for an ICU position to take seven patients per nurse and like that that's kudos to your sister-in-law for for potentially seeking out this opportunity because knowing like the world of nursing Like prior to all of this like I couldn't even imagine Heading into this time as a new grad nurse and so kudos to all of you That are heading into this right now because this is crazy. This is abnormal This is not how the the world of nursing normally is and that is like my number one tip that I've been telling new grad nurses is like Whatever you're seeing now, just know that this is not typical. This is not normal This is not what you're going to be experiencing a year from now. And so don't let right now Try to alter your perception of how nursing truly is and so yeah, if you're a new crowd going into this right now like hands down Kudos to you. We definitely need your help. We need more nurses and we need more good nurses And we don't want to burn you out so bad in these next couple of months during as this pandemic is surging in different areas That you fall out of love with nursing and why you actually went into it in the first place So remember why you went into nursing because this is not the normal my next tip is to Make sure you're doing your basics well and your basics. I mean like Assessing your patients being very safe when it comes to medication administration Don't be taking shortcuts on things because you just you're just now getting your foot in the door And you may be taking a little bit longer at certain things and maybe other nurses are but as long as you're doing them correctly and safely It's okay. So do your basics well. You know how to turn a patient You know how to do oral care. You know how to make sure a central line dressing has changed You know how to properly insert a foley Don't shortcut those things because those are the things that help patients get better. Yes Having a good assessment is is awesome administering medications on time is awesome But at the end of the day if you Short-cut inserting a foley and don't do proper peri care and proper sterile technique And now your patient gets a catheter associated UTI their hospitalization is now prolonged It's complicated. They have potentially worse outcomes and there's just a whole bunch of data on how these preventable issues Caused so many complications on patients if they get them so if you're doing your basics well Then you can be a solid nurse in any area So as as tempting as it's going to be when you're like your list is 10 miles long with things that you need to do and things You're behind on don't skimp on the basics My next tip is to just make sure you're talking to the nurses around you asking them questions They are going to be your guide and resources in the times like this where you're just like I have No idea what's going on things are so crazy I'm taking you know ten patients and normally I should be taking five and it's just we're all in Survival mode and so use the nurses around you to ask them questions. It's things seem Abnormal also my next tip is to just give yourself so so much grace during this time This is like such a complicated crazy time and like don't let this taint how you think nursing is going to be In the future. Yes, you're going to be new at things. Yes, you're going to make mistakes Yes, you're going to be slower at things because you're just you're new or to it. You're not as efficient But that's okay. That doesn't make you a less than or worse nurse than those that are around you my last tip for you all is And this is something that I can relate to a lot as a new nurse when I was a new nurse I was picking up extra shifts left and right. I was like, wow, I'm making so much money. This is great Like of course, I'll pick up this extra shift. Of course. I'll stay over for overtime Sure, you need to swap shifts like no problem.  We're glad that you're around and like just just do your best be smart Be safe do your basics well Don't burn yourself out and you're gonna be fine and we'll eventually get back to how nursing normally is which There's some downsides of course But for the most part like it's just a beautiful career in beautiful field with so many opportunities and just a great Area to learn and to grow as a human being as a nursing professional and to take care of patients So thank you for watching and I hope you enjoyed this video and I'll see you in my next one Bye


20 years ago, healthcare providers in Liverpool started to experiment with innovative approaches to drug problems. They distributed sterile needles to drug users to protect them from HIV, and provided heroin users with a substitute drug called methadone to reduce crime and the risk of overdose. This approach was eventually named harm reduction. 20 years later, at the International Harm Reduction Conference, we asked the pioneers of Liverpool about the beginning. Well, in the 80s, obviously, because of the high unemployment and, you know, things weren't too good under the Tory government at the time, a lot of people became disaffected from society really, you know, they started using heroin. The main problem we had in the early days in Liverpool, before harm reduction, there was nothing really. We had a drug clinic that might see five people a year. There was nothing really for drug users. Around the mid-80s, lots of people and authorities were becoming aware that HIV and AIDS were about to become a big problem, and at first it was seen as a problem for gay people, and then quickly people began to realise that people sharing needles who injected drugs were going to spread this virus between themselves and then sexually to the heterosexual population. The first needle exchange opened in Liverpool in the Mersey Drug Training and Information Centre in Liverpool City Centre in October 1986, and we had to do it from a toilet. We had two toilets in the building and one of them was made into a needle exchange room. People came in who'd been injected in heroin for 25 years, never been to a drug service, never been. We could get in between two people who were about to pass a syringe to each other, get that infected syringe out of circulation, put a clean one in its place, but it became broader than that. It became a way of engaging with people who'd been marginalised, disenfranchised, vilified, people who saw themselves outside of society, and we found that quite a successful bridge, getting people off the streets and into treatment. We actually started to take those services out of people and build up trust. There was Alan and I who came up with this idea of harm reduction and this concept that it's best to reduce harm than to reduce drug use. This is not to say that we don't want to stop people using drugs, we do. We need to prevent people from starting to use drugs, we need to help people get off drugs as well. This is what we call abstinence-oriented policy or abstentionism, and harm reduction and abstentionism are two sides of the same coin. There's no evidence at all that harm reduction encourages people to use drugs. In fact, the evidence is opposite to that. Harm reduction is about human rights, about respecting everyone's human rights. The main problem with using drugs, particularly opiates, is you have to find the money for it. You don't know whether the drug that you're taking is clean or it's contaminated. You get involved with a whole range of other drugs and a whole negative drug scene. What methadone does is allow you to get the effect of opiates without having to commit crime to do it. So it's not only a way of protecting the drug user. It protects society from the crime that drug users might create. Methadone programs at first were very short and then they started to make the methadone programs much longer in order to reduce crime more than anything. There was one guy in particular we knew who I'll tell you his first name. He was called Tommy. We got him into the needle exchange first so to make sure he was using clean needles when he'd stabilized on a heroin prescription he switched to methadone. He then reduced his methadone dose over a very long period, 10 to 15 years. And I've just heard at this conference that he's still alive. All his drug problems are now behind him and if we hadn't given him needles and prescribed drugs I'm very, very sure Tommy would be dead. The rest of the country based on these absence models found they had nothing to offer. Drug users, so they took an interest in what we were doing and then it snowballed. As harm reduction has developed it's gone beyond needle exchange and substitute prescribing to these new interventions like drug consumption rooms in some countries. I think we've made great progress because there are 92 countries that use the word harm reduction in their policies. Well it's helpful to have a listing of countries that have harm reduction accepted in national policy that in no way reflects the scale of the accessibility of those programs whether they're properly funded, the degree to which people who use drugs are able to access those. Only 4% of injecting drug users have access to a v-treatment. Globally on average an injecting drug user receives 22 needles per year. I think we face the most important issue which is funding, scaling up and making sure that we can achieve a coverage that it can really make a difference. But at the end of the day we're all human beings and everyone has a right to remain healthy and to make informed choices and to sort of stay well. Because once you're dead you can't recover, you can't stop doing what you're doing.


A portion of this video is sponsored by True Classic T's. Alright, yo, check it out. NBA Live wasn't, they were known for good gameplay, they were known for innovative ideas, and one of those innovative ideas was an All-Star weekend that is so magnificently fun to play that you would forget that there's more of the game to play. So, when you click NBA All-Star weekend, it's not like just the thing they put together. I don't wanna know, man, this is one of my favorite All-Star weekends, Denver. You remember that? Wow, what a beautiful time. EA Sports, man. It's in the game! Biggest. I remember when Kobe was number eight. Actually, you know you're young, so. Stop saying that. Stop, stop. First of all, you're 30, right? You're so close to 30, so guys, let's slow down. You were young, so you were young. I'm not that young, I'm not 20. Oh, hold on, we can't go straight to the dunk contest. We gotta go to a dunk contest school. Slam dunk school, baby. So they let you practice. Now it is, we don't even have practice in video games. So let's go to advanced practice. We wanna get all the tips and tricks in there. Kobe. That's what we're picking. Damn. First of all, that looks very fast. Yeah, I have turbo on, so I'm not down-turboing. Now I'm turboing. Speed boosts and things of that nature. So let me remember how you do this. Let me do two modifiers. Boom, boom. Okay, hold on now, pause, pause, hold on now. You're trashed, dawg. Boom, boom! Bow! Okay, I'm getting a hang of it. So that's like- Do it four, that's a four. I didn't ask for your rate in my mind.  If you pull that off, we're losing. So the way that the dunk contest works in this video game is there's two buttons you can click. There's your gatherer, and then there's your finish. So you click one of the four buttons and then another one of the four buttons, but it doesn't stop there because there's the R1 and L1 modifiers, but it doesn't stop there because you can also alley the basketball. And then you really have, at that point, hundreds of different possibilities of dunks you can do. And they're unique. I don't know if they have a cartwheel in this game. Neither do you. Boom, boom, boom, boom. Like, creative thing. Lowe's probably a demon at this. No, he's not, get off him. No, I just, oh!  No, that's bad. You held it too long. That's bad, bro. Okay, all right, you try. If you want to just do a simple, just a simple. Nobody asked you for simple. Good boy, that was real simple. No, I'm just saying. The way you handle that rock was real simple. Say something simple. There we go. Whoa! And you were saying? I'm getting so confident right now, wait, wait, wait. You're so simple. Okay, so simple. That's simple, right? So simple. Okay, let's see something more complex. Getting a hang of things, getting a hang of things. Okay. This is all simple. Yes, this is super simple. But now here it is, complex. No. Okay. Just simple. Okay, that's simple. That's simple.  What? Pac-Man? That's what it look like. Without us.  They have mycorp back in the day? No, this is not mycorp. What? No, this is big. Oh! What did you do? Oh, I got something, I got something. Okay, okay, okay. Oh! No, he might do my job, he might do my job. Oh! Stop it. Maybe level five. Well, I didn't know this was this lit. Yeah, you want to sit down and play? Yeah. Let me try. Yeah, all right. Are you too young for this, Chris? I'm too close, I'm too close, I'm too close. Chris, no, no, you're too young. You're too young.  I'm about to show you. Dunk, bro. This is playing claw. You can not out of you. Oh my God, I'm about to show you. I'm about to show you. You shouldn't even jump. Have you left the ground yet? He's burnt out. Nah, this is the one. It's the remote, it's the remote, it's the remote. It's not the remote, I just did like eight of them. No, I just really need to throw out a huge one. Okay, there you go. Oh! Let's see if I can, let's see if I can do it, man. Chris, yeah. Damn, man. That's simple. Hold on, hold on. Boom like this. Boom like this. Damn, I'm nice. I'm nice. That's pretty good. I'm nice. I'm real nice. You know what's funny? This is really how it was back in the day, though.  True. Oh, it's our weekend. I don't think you know how to control this. Bro, if I do this right here, you know what's crazy? Aim, I really perform in a moment. Okay, then show me. Let me show you that moment. Back in the day when I was growing up, like, fresh out of college all day. You're so old, bro. Make Jason Richardson CPU. No, no, no, please. No, it doesn't belong to the AI. We have to. He can do the most magnificent stuff. Jason Richardson is more discussing it. What are you talking about? He has a 99 done. All right, you're right. So J. Rich is going to be the CPU. I'm going to call VC because I'm from Toronto, so I can do that. All right, CPU is J. Rich, Lowe's playing with Kobe. I'm playing with Vince. And Aim is playing with y'all, Schmitz.  Let's do a lot of rounds. Let's do a lot of... I'm going to win. Nah, he's not playing, so. Yeah, don't worry about him right here. Chris, he's not playing. Just so y'all know how crazy it is, the CPU is won first. This portion of the video is sponsored by True Classic T's. True Classic provides a truly classic but premium feel. A regular T, it feels cheap or rough.  This is for work, relax, a night out, or a workout. Why wouldn't you want a T that fits you perfectly and at a fair price? Stow it in your washing machine, it washes while it keeps its shape. It's breathable and lightweight, like a carbon fiber grill, and it accentuates your arms and shoulders like a good angle on the ground. And the relaxed fit through the body allows just enough airflow for you to make the correct decision to purchase yourself with you. Not only is the T going to feel great, but so will you. Oh, me, you asking me? Listen, I don't even buy regular shirts anymore. All the evidence led me to one conclusion. True Classic is the right T for me. I don't know, it kinda sells itself, so click the top link in the description and buy yourself a few. And if you click the link now because we can't do this all day, for a limited time, you get 50% off select pass. Here's how to order.  Thanks to True Classic T's for sponsoring this portion of the video. Now let's get back to the video. And we've been the heart of Denver, Colorado. 6% luck, 20% skill, like, you don't know about those? 15% concentrated power, oh, yeah. That wasn't the song I would go to. Nah, that wasn't it. All right, come on. All right, Jay, show me something roller-jurious, please. It's over, it's over. Stop right there, stop right there. I'm getting a 45, 45, 45, 45. Oh, what? 44, that's closer than all of y'all. All right, love, come on now. Okay, Marcel, you got 24 seconds. No, no, no. Nah, that's not, that's not, that's not. I'm doing this for you, don't do that. I'm doing this for you. No, if that gets a 40, I'm deleting out. If that gets a 40, I'm deleting out. He could've done a honey dip. He got that high, and he didn't do it. That's an L dunk. Yeah, lower than a 40. Okay, a 40. No, that's not, that's not, that's it. Under a 40, that's under a 40. I'm about to go dummy. Stop. Okay, I A. You're never gonna do this. Yo, get out of here. No, no, no, I had to get lucky. Just because you said that. You're gonna do it. You're bad. You're bad. Oh, just dunk, just dunk. You're real close. Hey, dad, stop. You got this, son. One more time, one more alley. So much anxiety. How many people get eliminated? Two or three? No, you get two ducks.   Smith from the Atlanta Hawks, number 42. What do you think you are? Stop, stop, stop. Astronaut? It's all right, Ava's sweating bullets. He's not sweating. He's sweating. Hey, the clock is slowing down. Mr. Dung, Mr. Dung, Mr. Dung. I got that, I got that, Daryl, I got that down. It's better than 17. No, bro, it's 16. It's better, it's better, it's better. It should be, it should be, it should be your average score, bro. That's a 30 at least. Your average score. That's a 30 at least. How? I think you get more than I thought it worked. Pathetic. Bro, he was floating. That's my celebration. That's a good 48. Yeah, that's a 47. That's 47. That's good, that's a 48. That's 46. In my bag. It's the same ball. He just literally said a number after me. I'm gonna say 12 next time. He's like, that's about 13. I'm gonna switch it up. All right, let's see what I can do. You can't do that, you're not that guy. Wait. Bro. Bro. Nah, he burnt out. That timing is slowing down for you, ain't it? No, no, no, no, no, no, no, no. Damn, you know what's sad? Oh. I tried to miss it, no. You know what's sad?  But that's what a weak minded person would do. You know it's wild, bro. At least someone with 16 points would say something. Yeah, oh yeah, Chris.  I can beat that. Yeah, you can, but I don't know about this guy. Okay, watch me right now. Too close, son. Okay, he got it. Oh. Not really that guy, bro. You have to beat 35. Don't choke. Beat 35. You just do something simple so you can get 35. Joke, joke, joke, joke, joke. Damn. You're doing a lot of things. I don't know what I, that was so random. I don't know why I thought I had that in me. Oh no. Stop right there. No, you're not. Oh my God, bro. I really saw some Steve Nash. On some Steve Nash. Yeah, what time is it?  Your knee is insane. That's insane. I'm getting so close. You're so close. All right. How do you hit it off the back? Whoa. Damn. Whoa. Man, that's hard. If we had an Aaron Gordesat-Livine situation on our knees, you know what I'm saying? That might just be me and you and we can both get 50. Now, I'm crazy. Nah, J-Race is about to do something great. He almost got it. He has a 99 dunk, J-Race. Show me something. 99. It's game over. Stop. Stop. All right, see ya. You can pull it off the front of your ear for the dog. So don't choke this now. Why would I do that? You already got one of your patented dunks out of the way. Don't choke it now. Look, Aimee. Look what I do right here. You kind of did. I'm that guy. OK. OK, I did that dunk before us. Oh my God. It might be over. Please give me a 50. They give me a 50 right now. No, it's not. It's not. Oh. No, not from there. If you finish from there, it's over. There you go.  Man, no way. If you beat me right now, I'm pissed. Oh, wow. All right, J-Race, please. He might do something crazy just to plow right now. Oh. He's like, all right, don't worry.  I didn't turn to a ballerina. I saw the first spin, and I was like, I got him. I saw the second spin, and I was like, he got me. No, that's him. This is it. Hold. Go. I would respect me going up. No, no, there's no respect. There's no respect. You missed the same dunk twice. That miss is better than the other miss. Or three. All right, J-Race, let's be respectful now. Come on, dawgs. That is disrespectful, bro. He literally did the dunk that I've been trying to do the entire time. That is crazy. Did he take that low? Look at him. He's like, is that what you wanted? You have to get a 50 right here. You have to get a 50, man. You're not that guy. I'll let you know right now. You're not that guy. Replace, you have to replace. You made it? Yeah. I didn't even try to make it. Oh, no. He about to embarrass you for that. He's like, really? That's all you got? That's it? Did you get it all nice? Yeah, that's what I'll give it.  J-Race for the game. He said, I'm going to use 14, but say less. I mean, do this right here. I'm up like this. That's what I did. That's my dunk. Your mic go crazy. And they're like, whoa, J-Race did it this time. Well, at least I beat y'all. Yeah, barely. I wouldn't count that as like a beat y'all. I wouldn't say that. I wouldn't run around saying that, personally. I don't really think it's wrong. You got Merck, so steamrolls. To be fair, like.


Hello and welcome to each one of you on our special virtual series for the Brand Talk. There is a lot that marketers do to build their brands. They try different mediums, they try different ways from digital to TV to experiential to outdoor and a lot more. But how do you do that when you are yourself confined in four walls? When you have so many limitations, how do you ensure that the challenges you are faced with do not affect your brand? To discuss this and a lot more, we have with us today Mr. Karthi Martian, President and CMO, Kotak Mahindra Group. Welcome to the show Mr. Martian. Thank you Nazia. Pleasure to be here.  If you can share some examples. Sure. I think there are many that are bound and it's really heartening to see both marketeers as well as business owners step up to the occasion, arise to the occasion as it were. I think top of mind for everyone, therefore for me as well is certainly the Tata's. I think they have always been stellar contributors to society and even in this situation, just a few stray examples of what they've been doing for example, opening up their hotel rooms to the doctors who have been serving as night and day doctors and nurses, which I think is really top notch and take the fashion and fashion brands who repurpose their manufacturing units to produce the personal protection equipment. Take perfume and alcohol brands, DRGO for example, which is repurposed its assembly line to produce sanitizers instead of alcohol at a time like this. I think examples like these are really stunning and really inspiring and what I think all of us as marketeers should take away from this is to examine what we have as resources in our firms, which potentially are spared now because it's not being consumed fully and how we can repurpose that to the ends of society at large and come up with ideas based on that and that's what I am also with my colleagues constantly on the look out for and trying to do. What was your first response when you heard of this lockdown as a marketer and also as a human being? My first response was even before the lockdown actually, coincidentally my daughter came back from the US on the 16th of March. So the night of 16th March is when I went to pick her up and because we had been reading about this on a global scale, we as a family chose to self-quarantine ourselves from that very night. So we had almost a week's advance practice on quarantine being locked down as a family. We stayed home up late. But as we were staying home and not stepping out as well, I quickly got a sense of what it's likely to be like for others when the lockdown happens. So access to essentials for example is clear but that also is for people who have access to money and not from the other. The thing that struck me first was that there are going to be lots of people who are going to be rendered incomeless on the street which are these, now we know migrant labourers and really wage labourers who are going to be rendered incomeless and they providing food to them was the first thought that occurred to me frankly and we started discussions around that in Kota. Soon thereafter of course, thanks to Uday's initiative of a personal contribution to the PF Cares Fund, we have done a number of things after that but honestly the first question we had was if when lockdown happens, what happens to the people who won't even get access to food. See yours is more like an essential services.  How do you inspire them? How do you keep them motivated? So I have a confession to make. I think our people are such, before I say that of course I must say that I salute medical professionals, municipal professionals as well as the police for they are really the soldiers at the frontline of this war but I'm proud to say that my colleagues in the branches particularly as well as a fair number in the back office whether it's manning the call centre, manning all the IT infrastructure, things like that. They are also I feel as good or as important and as providing as nobler service as all these people at the frontline. I'd like to share just two or three stray examples which have inspired me and my colleagues. So a young boy in Baroda, a colleague of mine, yes he might think his name is, on the 23rd of March he sat down, he sat aside, his job is to get people to open bank accounts with us. He goes door to door persuading people to open bank accounts. He said that aside of his own volition without anyone talking to him he started manufacturing washable masks and in I think as I understand it in within two or three years he produced 400 masks single-handedly and then he coaxed some of his colleagues to join him as well and that's one example. Another is a colleague of mine in Gurgaon. This was after the lockdown it started and we had also heard these stray stories about police not understanding that even banking people are essential services people in some places and are taking Lattice to them and so on. In that context he was called by his boss to say tomorrow you have to show up early morning because we have to go to one of our facilities because we have to make sure that all the salary accounts you know we have customers companies whose employee salary accounts are with us and the salaries need to be paid on time especially at a time like this in the lockdown time and he was told his boss told him I'll come and pick you up but this young gentleman decided to take the initiative he stepped out of his house looked for the first police man he could find went and told them what his task at hand was explained that if he didn't get to office then people don't get paid and the police actually very graciously gave him a ride all the way to the closest metro station from where it was a short train ride away in Gurgaon and also gave him their number to contact in case he encountered any other trouble. So you know we hear of all the negative stories because in some senses the negative is what attracts us but I must say that even the police have been doing such a fantastic job that by and large if you approach them correctly and you're in the right I don't think that they are going to be against you and my colleague proved this. Another example from my own team my marketing colleagues city after city they've been looking at these police check posts on the roads and in some places the police have managed to build little tents or whatever for themselves protection against the hot sun of April but in many places it's not there so my colleagues have gone proactively and provided what we call beach umbrellas these large umbrellas which you can put to help them in this context similarly in about 8 to 10 cities we've now gone out and distributed masks to policemen because honestly the doctors are actually our second line of defense because it's when someone is a suspect or a patient is when the doctor and the nurse come in contact. Well before that keeping all of us off the streets or when a person or area has been identified as a suspect area for a covid outbreak the police are the ones who are going first so helping them to protect themselves is equally important and I'm very happy to say that we've been able to do that in about 8 cities already and we are upping the anti on that as well. Sir these are actually very inspiring stories and I'm sure once this lockdown is over these people will get more recognition because these days there's a sense of panic everywhere. People are not even keen on finding out what are the good sides of the human the good human side that this crisis has brought in many of us out.  So I'll break it up into 2 or 3 pieces very quickly and I'll also start by referring to an event in some way similar to this event that we all experienced in 2016 demonetization so when demonetization happened if you remember everyone was rendered cashless overnight and in that we saw the opportunity to try to get people to get used to a new way of banking and it's not that digital or mobile banking was new then but the large sections of our society was still doing it the old fashioned way which is physical. So we took even the account opening process completely online where you could go into the app store download my app bung in your adhar and your pan details and our account was up and running it was usable from that very minute and we made a claim of under 3 minutes and we had for example our tech journalist Rajeev Makchit I remember correctly tested and he did it in less than 2 minutes actually and we saw something that we didn't even expect we saw that people from remote corners of this country where couldn't even have branches were downloading our app and were opening accounts with us and we went out and checked with them saying what's the deal we don't have a branch nearby you know that and they again like my colleagues young colleagues are ahead of me in the thinking and action on COVID our customers are also frequently ahead of us they are thinking is that if I have the app 90% of my work I can do on the app the rest which is only withdrawing cash I can do at any ATM and there are plenty of ATMs even if a Portuguese it's not around. So based on that insight and that experience at that time I think we took roughly about 100 days to from the date of the change in regulation that RBI offered where I didn't have to come and see your house and face to be able to open your account I could do it offline from that date of December 6th or 8th within 100 days before the end of March we were able to launch this even today now in today we have exactly the same situation right for the very different set of reasons my colleagues cannot and should not be knocking on doors be meeting customers physically as much as possible they have to limit themselves they outreach part of it at least and even if I knock on doors nobody's gonna open a door on me today honestly so they will open the door to Swiggy in this context it becomes all the more powerful and important for us to be able to offer the continue to offer this service and I have to tell you that in that context we are certainly advertising because we see this kind of a service in banking which is to open a new bank account for whatever reasons you may have still a valuable service so we've not discontinued that and the pace of growth is slightly slower but honestly not significantly slower what we certainly are not doing are the activities where we are marketing requires us to interface physically with customers that we should absolutely our branches are certainly open but what we've also done is we very aggressively from day one of the lockdown put out lots of video communication literally like a Netflix playlist we put out lots of video communication educating customers on how they can use all our distilled tools and our call center to be able to benefit from almost all our services remotely and we are seeing a significant uptake like all banks are How does this video conversation reaches them? Through YouTube so we put a playlist on YouTube Digital Absolutely and we are also sending emails, SNS's push notifications so all digital means only and your advertising on television remains the same or it has reduced I think same we are not on air right now frankly but I think almost any year we've typically not been on ground this time except for the year that we did launch 811 with the start of IPL so at the end of March or whatever in two years three years ago Apart from that typically this tends to be a slow period for us so it's in line with that it's not for any other reason that I think we are offering Also we are mindful that I think the time right now is one where we want to be sensitive to the health concerns of society at large and we don't want to put either our brand or its profit motive ahead of any other things so in fact a lot of our social media messaging also is around the health issue so we are for example we have driven a lot of our customers to use a very incredibly easy tool that we've built on our net banking and mobile banking to contribute to the PMCAD's fund and I'm proud to say that within the last week 10 days we've raised about 10 crores from our customers alone and all they have to do is once they go to that page enter an amount and click and that's it so no need to enter their details because we have it no need to enter the PMCAD account details because we have that too so it's literally a single field they have to enter and so people have responded as they have responded in other places as well I'm sure but people have responded to us as well but are you also planning to launch any big campaign during this period? a new campaign or something? I think there's a nuance of difference between new and big so new certainly the problem with big is we all visualise big as a mega television production which takes a few crores we shoot in exotic locations and so on that obviously is not tenable right now but we are constantly working on new things and I think you know Kotak has Kotak is actually what I like to think of as a reform baby so every step of financial reform that this country has gone through Kotak has seen it as an opportunity to do something new the latest is when demonetisation happens actually we see this event also as an opportunity and from this we also hope to be able to generate and deliver more value to our customers and therefore eventually obviously value to our shareholders and other stakeholders so we are working on some things I think it's a little early to comment on it but hopefully very soon we can connect again as yet and talk about that so there's somebody who's sent he's not given his name has sent a question for you how much of Kotak's customers have access to smartphones how do you reach to customers who have no access to smartphones? customers who have no access to smartphones can just pick up their feature phones or their landlines and call our customer contact center customer experience center as we call it now at the very least of course welcome to walk into our branches we just recommend that they don't at this time unless it is a matter of dire need as far as the question of how many of my customers have smartphones I'd say that right now my estimate is that 60 to 70% of my customers have and use their smartphones based on the number of mobile downloads I've seen and the number of usage traction we see on both mobile and net banking there's another question Mr. Ankit Jai sent my question is from brand solutions per view consumer is expecting a large negative impact on income which can make him hurve to go what kind of advertising messaging can change this mindset or should the advertising just concentrate on pockets of optimism I think it's a little early to be sure that there will be a large negative impact on income we've seen the risk of this come and go in multiple threats of the sessions we've had over the last three or four years and none of them have actually played out this time of course may be different and in that case the question will be certainly a valid and important one I would say that again if we are to be in the service of the customer then we shouldn't be the ones looking to spend more when she can't what we should actually be doing is looking for low cost solutions which will meet her needs in a meaningful way and for us to be able to make money from that as well and that's where I think large sections of brands and manufacturers should be focusing their attention we're getting lots of questions I have another question from Mr. Vinith Haluwalea would you like to comment on real estate in the times of Covid how much should the brand push on marketing and sales Vinith if I answer any question right you're asking whether real estate brand should push on marketing well I think not my business and I'm not an expert at all but right now may not be the best time yeah but I have to spend some time thinking about the problem to answer off the cuff like this is irresponsible of me that's my disclaimer but I would say that if I were a real estate brand I would pause on marketing and advertising right now what I would actually do to gain share of mind is for example if I have a ready facility if I have a building which is ready and unoccupied I'd see if I can repurpose that to for example house hospital beds create mind share among people who can think better of me in better times because we know that many sections of the builder community tend to have poor brand image because of a variety of reasons this may be a way to build brand image in a meaningful way and in service of society right now we have so this gentleman wants to know with individuals starting to losing with individuals losing jobs one might now not be able to pay their EMIs do you think that the moratorium announced by the government is beneficial and will it be extended for people who have lost jobs this is again asking you to comment on something that government has done I think the government has been thoughtful in some ways to be of service to people in need or in dire straits right now let me give an example way back when from Kotak Kotak used to be very big continuous to be in the commercial equipment business so trucks and tractors and so on and at a point in time we saw that truck operators came to us saying that we are unable to pay our EMIs during the rains because our trucks don't operate if the rains nobody is moving goods up and down so this was I think at least 25 years ago and Kotak and I wasn't even there then so when I say we it's very fly on the wheel but Kotak came up with a solution where they gave them an EMI already for those three months exactly like this moratorium idea and said pay your EMI over the balance nine months when you have income we perfectly understand your problem and we came up with a creative solution for that I think as time passes if we continue to see challenges around incomes and therefore challenges around payment and so on and so forth the government as well as banks will have to come up with creative strategies to solve these problems and they will I think the challenge really will be when we see mal intent when people who are perfectly capable of paying but use excuses like these to not pay or evade or postpone that will hurt society at large because those few bad eggs will end up giving a bad name to all the honest ones who are perfectly willing to pay as soon as they are able also so we have to be mindful of that actually Sandesh V.I. wants to know how does home loan approval or dispersal happens in this lockdown it's a very good question Sandesh and I must confess I don't know the answer I'm happy to ask my colleagues and get back to you now we have a question from Mr Rajiv Malik we've been marketing Mahindra trucks and bus a lot of the sales process in automotive normally happens experientially, face to face all the on ground activation won't happen now how can marketing step in to fill the gap and make the entire process of lead generations and nurturing the leads to conclusion without face to face contact road shows events so we're seeing green shoots of examples of this already in many places just the fact that you know let me say we've all had Skype and Microsoft teams and Google Hangouts and Zoom for so long yet suddenly out of the blue Zoom has become the thing it's not like all of us couldn't work remotely before but we had a cultural mindset challenge because of which we didn't so I would submit to you my friend from Mahindra that we can see this opportunity as one that challenges us to say let's do this only for example I've seen a lot of great work even from you guys on demonstrating your vehicles in 3D and so on and so forth on the mobile also you just have to accelerate that and tune that up now and because customers hopefully are sitting at home and have some spare time at least the time that they're spared from their commute they are at home maybe they can use that and you can also connect with them and give them a virtual experience and in the lack of anything else maybe they will use that as a good enough experience to be able to make the decision to pick your brand instead of the competitors Mr. Alok Jalan wants to know what's the quotas view about the crisis it's longevity and social impact how are you guys looking at financial year 2021 this is not in my meeting but I'll quote from what Uday said very early on during the crisis he said that we and by we he means the world is in uncharted waters right now if anyone is able to confidently predict how we are going to come out of this when and how the world is going to look after this I think they're smoking something that you and I should also get a share what I certainly feel is that there is some risk for every colleague of mine from marketing who's on this chat there is some risk that we may have to retool and re-skill ourselves very quickly and we should use this time actually you know Americans are very used to having done multiple kinds of jobs there have been carpenters and authors and teachers and lecturers and politicians and what not as a stereotype we Indians particularly the educated ones tend to be far more, shall I say, monotonous in our career choices I for example have been an advertising slash marketing for pretty much the bulk of my life if I lost my job I have no idea what I would do idea how to become a teller for example it's very hard so I think re-skilling ourselves and using this time to say you know I've always dreamt of trying to do that other thing this is the chance for us and that's something at least that I can predict that we should be preparing for because we don't know what's going to happen to the job market when we go forward and don't get me wrong I'm not a doomsayer I'm not suggesting we're all going to lose our job that's not my point but I think because we have all experienced this thing and because employers have also experienced this thing like TCS has said for example that they've already realized that they can work with only about 25% of their workers being physically in their facilities 75% can work at home and they'll improve productivity by 25% from that so they'll go to 125 when they do that it's not that the jobs are being lost but certainly the way we work is changing for India particularly a lot of IT people in the US already work like this but we are not used to it yet and if that kind of changes already around the corner expect other kinds of changes to happen as well and it's hard to predict what those changes will be and I think we should all be thinking about it and talking about it more and preparing in whatever way we can think best this question has also come from Manoj even I wanted to understand from you do you also think that customer behavior will also change our working styles will change a lot of things will change but do you think after this lockdown of I don't know how long will this prolong but you are expecting some change in customer behavior definitely and I think for my sector a lot of it will be positive because I think they will go much more aggressively digital they'll be comfortable with digital a lot more so we will probably tune down on our physical presences as a sector Kotak already is one of the leanest physically present we have physical outlets much smaller than many of our market cap peers so that's something I think will happen we will see out on whether customers will suddenly become frugal or will they start spending again at normal or above normal levels and Mahesh Murthy for example wrote a piece in LinkedIn yesterday or today I think where he predicts that customers will start becoming more frugal and they will stop being seduced by brands who are persuading customers that if they buy X perfume and Y handbag and Z jacket they are going to be more attractive and they will get more meaningful in their purchases I think actually for those with the money the opposite is going to happen it's my hypothesis that events like this which produce a lot of grief and anxiety when the release happens I think we as human beings will tend to solve for those vacuums that have been created by the grief by becoming hedonist more hedonist we will consume more aggressively it's like a hungry mac to celebrate it not to celebrate for a few days at least you want to feel good about ourselves and the easiest way to feel good about ourselves is to pamper ourselves how do you pamper yourself you wear a fancy watch you keep looking at it you feel good about yourself I am not saying it's a good thing I hope Mahesh is right and I am wrong honestly but I suspect that luxury brands will actually thrive post covid for these reasons which are close to the human condition Richa Goba has an interesting question what banking products do you believe are going to be important for customers post covid 19 the ones that we wanted them to think of as important all this time which is digital so that we can have fewer physical interfaces save all that money provide more efficient and economical products to consumers so mobile banking as an example and everything that mobile banking encompasses which is honestly 90 to 95% of everything you need from a bank today a lot of people come to the bank physically in large measure out of habit or out of a misplaced fear that mobile pey kaam nahi hoga kuch gargad hoga kahi tautak jaiga I don't have a human being to be able to resort to and say see I asked you what happened to this etc etc but I think a lot of those fears have been proven to be misplaced for quite some time now in covid it is I think very well established so I am confident that people will actually take to mobile banking much more easily in the future than they did before covid Jagrutisha wants to know how does the bank aim at jumping back after the virus settles down how will it gain back the mind share of customers what is immediate strategy to get going I am not sure we have lost mind share because particularly because people are staying at home and they are consuming a lot of goods and services which are being delivered to their doorstep the interaction with payment tools is actually heightened for example and pardon the stereotyping I don't mean to be gendered in this but I am just giving it as a generalized example in households where the woman was at home the homemaker and the man was at work all the shopping or interactions that happened at the doorstep were all handled by the homemaker previously today because the man is at home all too frequently offering the door and he is paying and because of that he is experiencing much more closely and viscerally those multiple micro payment opportunities and interactions and when he is doing that if he wants to shrug off that responsibility he is educating the homemaker who previously may not have taken to mobile payments so he is readily now he is holding hands and saying let's do this all the way down to the milkman is now willing and ready to accept a digital payment previously not necessarily so so in all these ways I think honestly I think money, let me not say banking but money is mind share has not disappeared whatsoever also because like we are discussing here people are worried that incomes are going to shrink and so on and so forth so I don't think banking brands mind share is the problem what are we slow on we are possibly slow on for example home loans because I don't know how those deals are getting done when everyone is at home the builder is at home the buyer is at home the banker is at home I don't know how those deals are getting done which I confessed to earlier but those sectors once the lockdown is over obviously we will come back and we will come back in an organic fashion I think Jagratthi I don't know if there is a better answer I can provide so next couple of questions if I can sum them up for you they are basically asking you if media planning choices will change this crisis so I looked at spending behavior of my customers just this morning pre-COVID and post-COVID and one of the standout items on which they are spending their money right now is DTH we have seen DTH payments go up by a full 40% pre-COVID to post-COVID so people seem to be watching more TV more traditional television if I were to use that as a metric because they are paying for more TV that they weren't paying for before so it's not just OTT it's also TV so to the frequently this is the sitting duck that TV is going to go away and all OTT is going to take away all their lunch I think we are far from that because it's like all incremental media only becomes incremental we expand our consumption habits to accommodate more media we don't actually give up any media completely just like people don't give up branches completely even though everything can be done on the mobile they still come to branches they still never open a bank account with a bank whose branch they can't see near their house or their office in the same way so I think media choices will also work in tandem with that I'd like to talk about something else in this context all of us have received from some friend or well-wisher a pdf copy of a bunch of newspapers every morning which is the full newspaper all these newspapers were already online we could always go to their website or their app and read these two suddenly pdf's have been floating all over the place I suspect that it's the publishers who don't want us to lose the habit of the physical newspaper but giving us the facsimile of that a version of that inside our phones but that pdf on a phone screen is impossible to read frankly so I am a little confused about the purpose of that my suspicion is that it's to help us not forget the habit that this is what a newspaper looks like again to the point of whether we will continue to advertise the newspapers Kota frankly has not been a big advertiser historically so I don't think because of covid we are going to change that behaviour Dilkush Khandelwal from Vadva group my question is banking is the backbone of any economy and post covid 19 major issue in front of India is economic crisis the sphere has already started hunting every family now how would banking industry address this issue to overcome the sphere any point of view so my colleague Nilesh Shah from our mutual fund actually you should look him up and he's got a couple of videos and write up and so on he is very confident that for India it's a three to six month journey to a full recovery and I am going to bet on his prediction on this because he's turned out to be right about many things in the past as well so from that lens I would say people will be somewhat fearful there will be some jobs lost there will be some income shrunk for sure but there is a very good chance India will actually bounce back much faster and much better and again to quote from much more learned friends that I have there is a very good chance that much of what is happening in the world today may all play into India's hands too give India a leg up so on the back of this humanitarian crisis once everybody recovers on the world stage India may actually have a better hand to play and in many ways for example the fact that oil is so cheap now may play into India's economic future and we may actually see a huge resurgence in positivity economically as well so that's what I would like to hope for to forward to So you were talking about change in consumer behaviour more and more people will move to digital so I've got a couple of questions where people want to know how will this eventually mean golden period for e-commerce companies I think definitely yes once you go into the habit it's very hard to undo so long as it's as convenient or more convenient as cheap or cheaper as delightful or more delightful an event like this is going to give people an opportunity to switch their habit it's like I have this model where think of a wristwatch once upon a time the wristwatch's purpose was to tell time it was a function today that purpose is completely lost yet all owned wristwatches because it's an ornament and I think that is what happens so we will move all our functional behaviour online and we may still go shopping physically but that shopping will be for entertainment it will be to give ourselves a good time it will be literally for that outing and so we will move more and more of the functional activities online and the offline will be literally for relaxation, entertainment taking the family out things like that and so we may do the window shopping and what they call showrooming now much more and what will happen to the stores then I don't know that's a tough question and they'll have to answer that between themselves and the commercial real estate companies they'll have to figure it out but that's what I suspect will surely happen so e-commerce yes it's a big uptick for them for sure Sir a location wants to know how secure is mobile banking in India as we listen regularly about banking frauds 99% of frauds happen because you have been made a fool of and you reveal something into the fraudster which you shouldn't have what we call social engineering you are conned into clicking a link you shouldn't or you are conned into literally telling someone your OTP your CVV your card number, your bank account number things like that 99% of frauds happen because of that the tools themselves are incredibly secure so if I tell you my password and you enter my password into my app and you take away all my money who's to blame it's not the app it's me I have been stupid about this so frankly I think all banking apps by and large are incredibly well made and well designed for security it is human behavior which has to change and that is of course the hardest thing to do because we are by and large surprisingly trusting and gullible and that is the core of the problem even the bank moratorium thing that you referred to earlier which the government offered there are scamsters who have used even that they are calling people up and saying we are calling from the bank to give you your moratorium you will get an OTP please give it to us that OTP is giving them access to the same bank accounts or credit cards or whatever and they are cleaning out your accounts so scamsters are always going to be ahead of the game and that's unfortunate you reported many such cases or just a few just a few honestly but that few to become many doesn't take very long because again and there's no awareness I mean I'm hearing it for the first time the entire thing has just happened so scamsters are so creative that every single day single day they are looking for ways to do this and human beings are because they are so trusting every single day more and more human beings are falling for it so that's the real risk it's a human risk it's not the technology Richa wants to know with digital banking becomes with digital banking becomes the new normal for almost all of us do you think there is a very thin line now between banks and fintech companies how are banks planning to maintain their positioning in people's mind yes you're right Richa that risk is certainly alive and I don't know necessarily if maintaining a difference compared to fintech companies is the real challenge I think we will have to embrace just like let me find an example let's say just like a brand like Raymond's cannot think of Minthra or Jabang as a digital apparel tech company we have to think of them as competitor brands we also think of fintech companies as competitor brands what we know so far based on our study and understanding is that consumers tend to trust their large amounts of money with institutions that they see as trustworthy which have the benefit of age behind them they have the benefit of solid balance sheets great reportage about the quality of management and stability and so on and so forth and it's not that fintechs don't have it today but 20 years from now they will have it of course so Kotak is now 35 year old brand so when a fintech is 35 years old it should logically be as trustworthy as a Kotak how many fintechs will last that long is the only real question but some will for sure just like there was an NBFC meltdown in the 90s late 90s and Kotak was one of less than 10 entities that survived that there will be less than 3 or 4 fintechs which will survive 20 years down the line but they will be as serious of financial brand as Kotak is so we will treat them with the same respect that we will treat RPS and proper banking today I want to take up we are very short on time but I really want to take this last question from Saloni Arora she wants to know how rural consumers will change in the current scenario what will be the new normal for rural marketing according to you so the good news is again we have seen time after time that the most starved constituency is of great products and services the faster they are to adopt newer ways of doing it so India has deep frog many things digitally for example even compared to America our banking technology is far superior to anything in America even today and we know this in some places even about hospitals people are saying the same things that we are ahead of the curve Rural India because they don't have the benefit of large numbers of branches and ATMs they actually are well poised to take the digital leap even ahead of people in the cities because they took to Flipkart and Amazon the smaller towns and cities if not rural at least at least smaller towns and cities took to Flipkart and Amazon much faster than the big cities did because you and I can walk down to the mall and we like it those guys don't have a mall to walk down to so if they want the great brands that we have access to they have to buy it I think the same will happen to you yeah before we close I have a question for you how has this crisis evolved you as a person as in these are very unusual times I doubt you've been locked in your house for this long ever before how has this changed you as a professional as well as a person as a professional I think it has made me much more empathetic of my colleagues and respectful of them I just yesterday one of my colleagues texted me and said that people are scared of me I was trying to host I hosted one Zoom call with all my colleagues in marketing which is about 100 colleagues across the country and I found that people weren't discussing their lives they were only discussing work so offline I asked one or two colleagues what's the deal why aren't we let our hair down and they told me that they are scared of me I was a little surprised by that but also gave me pause to think about what about my behaviors are scaring them what I can change about that on the personal side I have reduced my consumption of carbs dramatically so lunch and dinner there is some alternative to wheat or rice that I am trying to consume as my contribution to my health and I have never been in the kitchen all my life I have now started making breakfast for the full family big step for me I don't think it will move to lunch or dinner frankly because breakfast is only a smoothie so I put a bunch of fruits in a mixie and get it out and give it to them but it is something actually it has really changed many of us in a lot of ways and I am glad that you are taking care of your health because that is also a very important aspect many of us are trying but we are not as successful as you are so I still have many questions to go maybe we will have to request Priyanka to arrange another session with you someday because we will not be able to take all these questions we are almost we are just left with two minutes so before I say close this I want to tell all of you to join us on 23rd April Thursday 3.30pm to 4.15pm on Facebook live with our next session of Brand Talk we will have it with Mr. Tarun Naroda CEO Zidus Wellness Mr. Mashin you also please take out some time and join us there anything that you would like to any piece of advice that you would want to give to all of you as well as your colleagues and juniors before we wind up so I don't think I am all on advice frankly I am always hungry for ideas so if anybody has ideas on how people like us which is financial services providers can deploy their resources which are to spare in our case it is mostly people because we have little else apart from people we don't have hotel rooms to give away we don't have factories where we make something unfortunately we have people and I have to just say that some of my people have been ahead of the curve so in Indore for example some of my colleagues have reached out to their customers who are analytic customers and said if you have aging parents in the city who you are concerned about then please tell us and we will take medicines and food and so on so ideas like that or even different ideas if you guys have ideas please reach out to me directly or if Nazia can enable that in some way because we need to be more and more contribute us to this cause and this crisis than benefit us from it and that's the only advice I can give all of you as well see how you can help look for ways you can help while staying safe of course it is actually the time to be human first and help as many people as we can while we stay safe in our own home or we take precautions when we step out thank you so much Mr.Marshan for joining us and thank you to all the people who are sending me questions sorry for the questions that we couldn't take up we will definitely try and get Mr.Marshan again sometime soon and finish most of the questions thank you again I will try I will try if that is possible I will check with the technical team thank you so much I think we have finished it exactly on time thanks Mr.Marshan thanks


If you choose to be a doctor, you must have perseverance, endurance, empathy, and must have the interest of the patients at heart, with the sole motive of saving lives first and not about money. This was the thrust of an autobiography of Professor Samrel Adetola Adebanjo titled Precious Hearts in My Hands, launched in Lagos. Plus TV correspondent Lavi Koko Yedekon was there and now reports. The book presentation brought together family, friends, alma mater, and close associates of Professor Samrel Adetola Adebanjo, a cardiothoracist surgeon titled Precious Hearts in My Hands. The book speaks to the very essence and nature of what Professor Adebanjo lives for.  It's not money. It's not money. It's the patient. I never did any private practice. I had very little money. Money was not my attention, but saving lives was my attention. The 222-page book X-rays his journey through life, education, surgeon abroad, medical profession, and into the US Army. Chief Arkin Bukwala is a book reviewer. He aptly encapsulates the exploits of the author in the book. Artumba Michael Balogun is the chairman of the occasion. With emotion laden tone, Artumba Balogun told the story of how far he has come with the author. I learnt a lot from him. That is what I mean by his good nature. Apart from that, God blesses his soul. He will sacrifice anything to make a cousin happy. He is a cousin I would like to have anytime. The occasion presented an avenue for art pouring of tributes to the author. I say his trick, I agree. But what do you expect? Somebody who's achieved so much from self-discipline, from commitment to whatever he does, you can't expect a better standard from such a person. Because life is not a party, and because life is not a party, people don't only work hard to get to where they are. They also work hard to stay and go above where they are. It's a reflection of the kind of upbringing we had in our time. And when this generation loses it, I'm sure they will learn something from it. And it will help improve the current generation and probably the generation coming. Life of the author of the book. There's a lot of biography.  And like I did say, he came to see us in school. This is going to have values. We have our values, our traditions. Some of those values and traditions were the things that have helped President Bono go even up till now. Number one, it's very, very sensitive with time and appointments. The consensus is that the book, Precious Hearts in My Hands, is one that is bound to inspire and impact positively on evil generations on burn. Love you.