Mr. President, would the United States be willing to enter in those negotiations between Syria and Israel if, as the Yitzhak Shemir has indicated, hypotheticals? Is the U.S. ready to get more involved diplomatically worldwide? The President is not brown or gold. Some deal with them. They sort of see them as nothing else. I would have been serious. Mr. President, was there negligence in Begru? What do you think has been done if there wasn't negligence? It's only been in that building for 275 percent of all of the work that had to be done had been completed. It's true that it was not, like, completed. Exploding the odds, it is the best that we're firing at him almost from the beginning, but not closely. He never did get it on camera. Well, Bill, do you think they've moved into the building? They should have waited until security was complete. No, we're waiting for the complete report of the two of them who've sent over there. Come back and tell us. There could be details, but it represented more safety than the one that we were in. Was there a mistake to pull out that Marine Detachment, Mr. President? You can't have exterior guards. Marines cannot be exterior guards outside the compound. That is foreign territory. And there was no need inside the compound to fully detach from the Navy Marines. Do you think they're going to be safer from now on, or is there any place that's safe for them in Baywood? There are additional things that still had to be done, for example, the steel gates that were hung because of the wet concrete and so forth, but this is what we'll hear when they come back to us, who was made because it was represented as safer territory, a safer building. Work had to be done. Anyone that's ever had their kitchen knows that it never gets done as soon as you push out. Sorry, couldn't they have blocked the entrance more effectively? Couldn't they have blocked the entrance more effectively? Thank you very much. I was talking about a residential street. The people must have access to that street. We cannot completely close off that street. There are people that's a residential area that live on that street, and we had the blocks out. We had the mining steel work up to keep them going down the blocks. The gate was not completely secure. But as I say, there's a checkpoint there. They were stopped when they began to step on it. They were fired upon, and they got just short of the building, the corner of the building, and they didn't make it to the corner. Would you recommend, sir, that more Marines be sent into security? No, that wasn't probably, as I say, we have guards. We get there, but you either do that or the post-country provides the outside protection, but your Marines could not be outside the common guard. Thank you. I just think you'll get a complete report. When will you get a complete report on the subject? Ambassador Oakley and Deputy Assistant Secretary Fields will be back tomorrow afternoon with the preliminary assessment that they will make. Thank you. I'm coming in real. On the day before, on the Monday, on the Tuesday, I received his credentials, and the next day, I received seven ambassadors that one day before. The first in all the presidents were the first and the best, and your ambassador was last in all the specimens. Mr. President, what are you prepared to tell Foreign Minister Guamico when you meet him this evening? I wrote the rule and took some questions the first time in here because of the immediacy of that problem, but now that the head of state boosting is here, I'm not going to take questions in there. I've been doing it for a week though, very freely speaking out, but I think now we'll... Aren't the questions getting better? Aren't the questions getting better? How about an African question? How about an African question? Soviet arms shipments to Africa, how do you feel about them? Apparently, it's a pickup in Soviet arms shipments to Southern Africa. Is that something you are looking for help on? Or along to that? You hear some words about that in my address to the United Nations? I know. Come in. We gather for this and his humane values and socially electronic communications and high-tech windows of global success in your upcoming session. I appreciate you joining us here tonight. We can't see it.


everyone Sam here with late in sports cards and we are doing 2021 Bowman Chrome Sapphire Edition five box break number 10 random teams here is the results to the random keep these up for just a second these could always be found and under the results tab on the website as well as with the link in chat and let's go ahead and get started good luck here everyone they complete thingy thank you for the tonight's sheet got it got Sam Huff got green Matt Chapman for the A's the 125 color match there Louise Campusano Riley green I think this is everything about health Chris Olivares you look we sespedist Louise Garcia Maximo Acosta Nate Pearson got purple Qtel Marte the 25 Diamondbacks there you go D-backs nice Qtel Marte Mount Castle Alexander Mojica first got Mar Melvin Valdez got Alec Bohm rookie to 25 there you go Billy's congrats on that Miguel Cabrera first Lisa Rodriguez Tyler Stevenson rookie got green Jeremy De La Rosa for the Nationals to 125 nice green Freeman and Garrett Mitchell got Hesu Sanchez base Alex Kirolov rookie Logan Gilbert base last pack of box one shoemaker please Jordan teal the 99 there you go red socks grats on the blaze Jordan Walker Josh Dawson box to Sam Huff Yeti Kappa that's up Jeremiah Hector Olivares first Wilman Diaz first for the Dodgers to 99 there you go nice hit their Dodgers crats on that one Jordan McAbel Nate Pearson rookie got Clark Schmidt to 99 rookie for the Yankees on the teal there you go Yanks got Chris Bryant Ronnie Mauricio does got Cabrera Hayes green to 125 rookie pirates congrats pirates that's awesome also got Luis compusano Riley green Gilberto Celestino first Tyler Stevenson rookie Luis Garcia rookie and Maximo Costa Logan Gilbert Hesu Sanchez rookie Ryan Mount Castle rookie and first Alexander Mojica pirates Alex Kirolov rookie orange Andrew Vaughn rookie white socks to 75 nice one there white socks taking Andrew Vaughn rookie for sure Alec Bohm rookie first Lurad for the Dodgers nice Luis Rodriguez Yadir Molina rookie Jake Croninworth and first Luis Medina for the Brewers there you go brew crew six to go on flawless tiered football tiered random teams that breaks toward the end of the night but definitely gonna be a lot of fun Spencer Howard got orange Dylan Carlson rookie for the Cardinals that's Matt's boy right there nice Dylan Carlson got Whit Merrifield CJ Abrams Kondo Cruz teal Gabriel Rodriguez guardians to 99 hey thanks for coming a member Jeremy got you Henio Suarez Jason Dominguez welcome Jeremy Alexander Ramirez first Luis Patino rookie Brady singer rookie Royals and blaze Jordan again for the Red Sox base nice blaze keeper Ruiz rookie orange Hunter green for the Reds to 75 nice one there Reds Ian Anderson rookie and Julio Carreras on the first for the Rockies there you go rocks rookie Dalton Varshow first Victor Acosta Garrett crochet rookie White Sox and first of Jefferson Cuero for the brew crew there you go brew crew Macell Yerbina got green you Henio Suarez for the Reds 80 of 125 now a Mariner got Jose Garcia and first Shailen Polanco there you go pirates Alejandro Kirk rookie Jermaine Mercedes rookie first Malcolm Nunez Cardinals there you go Cardinals nice Alejandro Kirk rookie in there as well starting all-star catcher yeah yeah Brandon Davis rookie Andrew Vaughn rookie Achille Badoo and first Starlin Aguilar for the Mariners hey welcome Rosie thanks for becoming a member welcome to YouTube land empty there we go good luck got Miguel bless our place got Christian Robinson green to 125 diamond backs nice combo spot hit right there first Eduardo Garcia and rookie Dylan Carlson for the Cardinals got Josh Chisholm Jr. rookie first Emmanuel Rodriguez twins first Kevin made on the Cubs and Christian Pache rookie for the Braves hey appreciate that Rosie yeah it's so much fun honestly doesn't even matter the product it's just fun opening cards honestly William Contreras Alexander Vizcaino first Yankees just Josiah Gray and Shane Bieber I realize Josiah Gray was part of the trade Turner Max Scherzer trade Tanner Hawke rookie Red Sox Jordan Adams Ed Howard and Keston Kira base I did almost pass out on the Super Fracture I will admit that Randy is very right there Nick Magigal rookie White Sox got Bryce Harper teal the 99 there you go for the Phillies subsoles got Marco Luciano and Peter Lonzo got Trish and Casas got yellow or yellow to 50 Robert Hassel there you go Padres pretty likely to become a national if they make the one-soto trade nice little color match there off color match for that one got Jared Kelly and Paul Gulchman probably the MVP look at that player from our two favorite teams will probably be the two MVPs it's kind of wild yes on Kim rookie Jeremy Pena as Waldo Paraza Mike trout this is Bowman Chrome Sapphire so it's like there's some first in here but there's some rookies and stuff in here too Louise Robert orange Nick York there you go Red Sox one of the Red Sox higher prospects 14 to 75 on the orange got Alec Thomas Joe Adele rookie Angels all right last box of the break good luck here everyone um you know offhand how much it was to get into this break 70 something maybe one second goals 70 70 dollars to get into this break Hessem Kirstad got green first Pedro Leone to 125 Astros nice green there for you Astros Luis Arias Nick York one million dollars to Dean West one billion dollars even more Geraldo Perdomo rookie Torkelson for the Tigers Tati's and Hunter Green I don't know I didn't hear of anybody winning it Javi Baez base Robert Poisson Randy Rosarena and Adley Ruchman got one Soto got rookie gold Alejandro Kirk there you go Blue Jays having a heck of a year up in Toronto behind the plate nice Alejandro Kirk crats on that one Blue Jays Scott Otani and Francisco Alvarez Justin Foskew got Aqua Andres Jimenez to 99 Guardians there you go Guardians got Jose Altuve and Drew Waters got Brian Reynolds pirates got Aqua first Po Yu Chen to 99 Pirates nice Aqua for you there pirates on the first Debbie Garcia rookie Yanks Jared Kelly White Sox two packs to go free to go in the stadium club member only Jeter case Drew Romo Vladdy Jr. Paul Goldschmidt and at Waldo Paraza rich I fold a super yeah we do we're doing basketball later today Zolls Gabriel Arias Green Jason Dominguez Yankees to 125 that is nine nice Martian we've got Alec Thomas and Kevin Newman that's gonna do it there's no hits for the for this break so no recap next up is tops pristine thanks again everyone


A little while ago I issued a sticky challenge to you, the community here that follows me on YouTube to use position sticky in fun and creative ways and it's a little bit late but finally we are here to see your submissions. So first off I just want to apologize for this being late I know I issued the challenge a while ago I've just been really busy I recorded it all but I hadn't had a chance to edit it but here we are finally we're here. If you missed the sticky challenge it was from a video where I looked at position sticky and I explored position sticky and how it worked and then I asked you guys to come up with fun and creative ways to use it because it's one of those things that you can just do really cool and fun stuff with that's sometimes unexpected and you're going to see some really really cool and fun examples in this of just awesome stuff you can actually do with it. So just thank you so much to all of you for participating in this challenge really really awesome stuff that you guys did really really cool and fun and another exploration into sticky which is always cool give you I think everybody watching this is going to get some fun ideas on how they may be able to use it and implement it in their site. So what are we still here waiting for? Let's go and check those out. All right so first up we have a submission by Roshik and I'm just saying Roshik because I'm really worried about butchering your last name let's just try this Roshik Karmachara. So thank you so much for the submission Roshik really cool because it's nice seeing things that aren't just like I was happy to see this because you know it's sort of a site and but in this site we have this nice little sticky thing and the cool thing with it so you can see it's sticking into place and you might go oh it's you know it's it's sort of cool but then if I go to itinerary it switches to the itinerary so it's like it's not only is it sticky but it's sort of this little a tab system that's also so a nice a nice use of sticky in a really cool sense actually just because we're not we don't have to scroll back up to get to the other content because one problem with tabs that you can run into is this thing where like someone scrolls past they don't scroll back up to switch tabs so it's always a little bit worrisome when you're using tabs that some people won't always click and actually like see what's in the other tabs so the fact that here we can actually click and go through the other tabs and it stays with us so we can oh let's go check the itinerary actually like that's that's pretty cool and I think it's a really nice usability nice UX little thing there so if you're going to use a tab system like that it works really well I think sticky is a really good use case for that so thank you so much for submitting that Rishi really really cool really fun. Next up we have this by Brian Kane so a little bit similar actually right now it's it's an actually an accordion so when I first got here actually I was like oh so if I click I was like there's nothing to scroll but when you go on these oh wait there is a lot to scroll and when we start popping a lot of these open now you can see where when you get to the next section and once again for usability this is like an ideal use case for sticky because you can keep track of what section you're in as you're scrolling through this massive database of stuff and Bob Bob is a very good client but you get the idea that um it can it helps organize our content like that and once again sort of like the tabs there that um on you might not think of it because it's an accordion so like you have this accordion style thing it's like why would you need position sticky but it really does fall into like a nice little use case to stay open organized because maybe you have a whole bunch of the accordions open um so if there's a lot of content sticky just helps us stay organized so thank you so much for that Brian a nice little thing one thing I would actually suggest just a really quick usability thing because when I first got here I literally thought there was nothing um so just if you have stuff like that let's go and check do a little inspect because there's with tables even um which props to you I hate tables uh let's on sales calls where's my sales calls so class section header name so let's do section header name I would add in a cursor pointer just to sort of indicate that we have interactivity so if we're on top of those we can tell that we can actually click on it so it just adds a little bit it gives us that cue that there's some interactivity in there and even that's just going to do it if I'm on there so maybe even like a section header you could do the same thing so we click oh no we have to click on that anyway so um you can you know add that just to let us know that it is clickable or a hover effect or something just to make it a bit more evident uh that you can actually come and click on those but for the stickiness really really awesome um these next two are by adrian dona um so thank you so much adrian uh so here we have scroll down so let's start scrolling down and see what happens and well that's interesting and look at that wasn't that cool that was cool um this image sort of clicking into a place like that like that's I don't know I like that it's one of those things you can just keep playing with so um not really a usability thing just like a flashy thing plus with the background gradient on there it helps to just give it a little like this thing going on while you're doing it a little bonus really really fun I could do that all day long literally so cool um actually I'm just going to go look in how this was done because we have a whole bunch of divs are they just background images oh it's with a grid it is with a grid two bonus points um oh cool it's all the same image but the background position has been moved around to actually get it to work ah that's awesome so we have the same image that's just loading across but just to make sure they're lining up in the right spot using background position to like line everything up super slick I love that really really cool I'm gonna have to try that on something one day um so this one also is by adrian this one is the same idea that we can have like different pieces broken apart but with text this time so have some like isn't that fun so like there we have that then the oh sticks around so have some love and then the l doesn't stop so we whoops I keep moving my mouse the wrong way so we have uh look have some love move your soul I don't know it's really cool so sort of like the storytelling thing I was doing like this is where where is the first to where like purely on like a usability and like here's like UX improvements this is just fun these ones by adrian artist cool so some fun stuff you can do there this one's not too complicated but really really cool and fun so that I liked a lot and last but very much not least we have this one by adricum so adricum uh one thing I really like is this little two bottom but we're gonna do it slowly at first so here we can see like it clicks and oh I'm gonna read that and then we sort of click in and go back and forth so a nice little fun thing there with bonus points definitely for the two bottoms so we can just like super quickly go up and down actually when I tested this last time it didn't seem to go that fast so maybe if that was a little slower be cool because definitely it was clicking it was a little smoother when I tested it last time we have a nice little a lot of people put in gradients in the background just because it helps give the feeling of scrolling and change so something like that is really fun and really cool you know and it's this the idea you could lock text in place and have other stuff scrolling by it just the whole storytelling and conveying sort of a story or conveying different stuff and interacting in ways the user might not expect is really cool but it's not expect in a way that like same a little bit with this is like the site's working in a way that the user doesn't expect but it's not in a way that's unnatural they're not confused by it they're sort of intrigued by it so it leads to like this interesting experience but they're still just scrolling down so it's there's not like some scroll weird scroll jacking going on where they're they're scroll a little bit and it's flying off or things are going left and right instead of up and down even though they're scrolling so like they're keeping the behavior they want so like position sticky is really really cool with that so even if you didn't take part in this challenge go and create something with sticky honestly you're going to be happy you did it's a really fun and awesome thing to play with there's so many different use cases as you can see through just these five submissions here that was fun wasn't it some really cool and fun examples there of how you might be able to use some of this so if you saw any of these that you're going like wow i'd love to know or you missed out on the challenge and you want to get something else in or you want to experiment with it and it's just you're throwing something together by all means hit me up on social media and let me know about it one quick thing though i'm if you did submit something and i didn't include it i'm really sorry i made a bit of a mistake um in saying submit it however you want so i got some emails i got people messaging me on the community i had people DMing me on twitter i had people mentioning it on twitter next time i do something like this i'm doing we're there's one way to submit because i might have lost some i hope i got everything i think i looked in all the channels where i was getting people submitting stuff um but if i missed one i really really really am sorry um but if we're yeah that's but if you hit me up on social media you know hashtag it and mention me and i'll gladly take a look at it and give you some feedback on it if that's something you're after i hope you liked these i hope you got some ideas from them this is all from community members just like you so next time i issue a challenge please don't be shy come up with something anything push yourself because it's always fun to do if you'd like to see more challenges like this please let me know in the description below say this is really cool if you have an idea for a challenge by all means go for it give me ideas for this stuff because i'd love to pushing it more i want to showcase more of what you are all up to because i have all you guys saying like following me and commenting if you have stuff you want to you know if you have awesome stuff i want to showcase that so if you have ideas for challenges because i think that's a fun way to showcase some of the stuff that you guys are up to please let me know and i'd gladly make challenges around those ideas thank you very much for watching this was a lot of fun if you'd like the video please hit thumbs up or leave a comment down below to let me know that you enjoyed it if you're new here and you haven't yet subscribed please consider subscribing and of course a big thank you to my patrons for helping support everything i do here on this channel a big shout out to loren who is my supporter of awesome thank you very much for your generous contribution did you know i have a newsletter because a lot of people don't know i have a newsletter apparently i use that community tab thing here we have on youtube to ask if people knew i had a newsletter and all of a sudden a rush of people subscribed because they'd never heard about it i've just been linking to them in the description but it's like way hidden down so if you want to it's kevin powell dot co forward slash newsletter or if you click that show more in the description scroll down there'll be a link for it there i write articles every week and send them out via newsletter so you never miss one so if that sounds really cool it's mostly css stuff some html mixed in there usually they're short you know the videos are long i want to make short articles that are about weird quirky things i come across or cool things that don't have enough content for a whole video stuff like that and every now and then there is a longer article as well so please come and check that out if that sounds interesting to you you can just go down to the bottom and find the link for that or again it's kevin powell dot co forward slash newsletter one last time thank you so much for watching and supporting everything i do here through your engagement and just through being awesome and speaking of awesome until next time don't forget to make your corner the internet just a little bit more awesome


My entire life has been dedicated to education and I don't necessarily believe that it is a life dedication I believe that it is a calling. You cannot be an educator without being a mentor if you're going to be in the business of children and Educating children the heart of mentorship will have to touch you so you can't do one without the other Every child wants to know that they are Appreciated they are accepted and that someone believes in them and that mentor serves as that role Just for the student to know this is someone that I know believe in me I didn't know how I was going to go to college and she did everything she could they Started a fun for me that I didn't even know of and she came to me She's like oh, we're gonna go shopping and I got everything from my dorm and she drove me to college my first day She drove me so I give her a lot of credit for it Education is the equalizer and and if you're going to be successful it is through education I've never met a parent that did not want what was best for their child Never what we have sometimes is parents that don't know what best is so then the opportunity for me then to work With the student is to then now teach them what best looks like So as you see the need if it is indeed a calling you see the need you just do it Join us for American Graduate Day on October 14th


Hi everyone, Joe for jazby's case breaks calm coming at you with 2018-19 Panini hoops basketball fat pack edition Random team break number four. This is the last one. We finally did it We're gonna knock out the final three Immaculate number block spots collegiate number block spots and then in the next video will be that break In fact, there's the case right there. This will be That'll be in a separate video collegiate basketball Should be perfect. I think it's the current. Yeah, it is the current draft classes Well, anyway Big thanks to this group for making it happen appreciate it All the teams are right there. Let's roll it and randomize names and teams five and a three eight times And then the second dice roll will be the giveaway part, but first the break five and three eight times one two three four five six seven and Eight Yeah, how would you execute those 50 autos by all at once you want to get on card autos? I suppose you'd have to do it like at a card show Like multiple card shows where they're there. You just have to take it there each time Like the tops representative would like meet those guys All right. Here's the first half of the list right here No trade windows in this in the second half list right there We just want to move to the giveaway part as quickly as possible I think it'd be different Mike if that 50 auto book was on a photo or a bat I don't know if that would go for I mean, maybe I think part of the value Is knowing that it was it was produced on this big accordion style card this massive book card And that it's just buried inside a box for someone to stumble into when they open I think that that That aspect of it I think does increase the value of it I don't know if it was just like a bat with all 50 of those autos on there I don't know if it would have the same If it would have the same like effect or charm or desirability All right, and Devante Graham rookie card right here for Brian. All right, nothing too crazy here, but Let's give away those final three number block spots. Let's grab everybody's names New dice new list And roll it and randomize it Five four and a six ten times Top three. It's only the top three. So fingers crossed top three after ten. Good luck one Two Three four five six seven eight Nine then good luck tenth and final time top three after ten Fingers crossed fingers crossed fingers crossed get your good luck times So from four, sorry fred from four on down very close But no go on here, but thanks everybody for giving this a shot We'll get him next time Congrats to the top ten though. You're happy because you're in the next break Steve birch you're in Steve birch again Wow, Steve birch top three clean sweep. That doesn't happen too often But he did have a lot of spots. He did have the odds on his side. It worked out this time, Steve Thanks for taking that risk. I'm joe for jasby's case breaks.com and I'll see you next time for the next break. Bye. Bye


Private sector participation in red is very important and the example of Amazon Sustainable Foundation is an interesting one because we have 93% of our investments coming from the private sector and one of the lessons learned is that private sector needs and wants to be more involved with forest issues, with forest conservation. And our approach has been to provide them a very professional, a very result-oriented kind of opportunities so that they can invest in actions which provide benefits to both the forest and to the people living in those forests and then get returned in terms of their benefits of image and of their institutional corporate social responsibility goals. And I think that this can be a sort of an entry phase, a starting point for private sector engagement. Another strategy has been to work with voluntary carbon offsets. A number of companies are becoming more aware of this and are doing reporting, are doing accounting of their emissions and are looking for opportunities to do offsets. And red provides the best opportunity for offsets because it has co-benefits that other alternatives do not have. So I think that engaging private sector is doable and I think there are many cases where we have proven that to be a success story both for private sector investors and for communities that benefit from those investments. My vision is that the key factor to drive private sector engagement is transparency and professionalism with results-based alternatives for investments so that we speak the same language as private sector does in the irregular business. So how much are investing? What are the concrete results? And I think this kind of professionalism of delivery of results is the key to attract private sector investments in red. We have a number of innovations. One of those is a credit card of Bradesco Bank, the second largest Brazilian private bank and this is my personal credit card and 50% of the annual fees paid by Bradesco customers go to our fund. The same goes for a savings account mechanism. So that's one innovative mechanism that we have developed to come up with a link between consumers, individuals and forests. The second one is by linking oil production. We have a partnership with an oil company which is investing $1, roughly 60 cents per barrel. This example was followed by all industries in the oil sector. This would add up to 20 billion dollars a year. So it's a small innovation because a relatively small Brazilian company called HRT. But if this company and this example was followed, we could have something of a significant size. And this is another lesson from the Amazon that we're bringing to the international arena so that we hope to inspire others to do similar actions.


when the narcissist realizes what they lost the last thing they want is for you to achieve great success after they're no longer with you that would be their worst nightmare after they left you in a bad position after they refuse to give you the rights and advantages that they give to other people after they ignored and excluded you after they left you for dead because they thought it was all over for you but then a few months later you're standing again after the fall you're bigger and badder than ever you're making more money you've got a new partner that's the last thing they want to see that would be their worst nightmare because up until that point they were hiding their phones they were acting suspiciously they were entertaining other prospects that they thought were better than you and then they left you out on the street because they thought you were done they thought it was all over for you and then they ran off to this new person that they just met after they had been with you for all of that time and you invested everything you had in them they ran off to someone they just met last week because they always think the grass is greener on the other side they're always looking for the next shiny new toy so they run off because they think you're going to disappear they think you're not going to be anything but then a few months later you emerge from the ashes and they hear about you from someone or they find you on social media and they're left in a state of shock to see that you've become successful to see that you found someone else because they thought you were done they thought it was all over for you and that is the ultimate revenge after they left you for dead without any help or support and then they ran off to someone they just met someone who isn't doing half of the things you did for them but they don't realize that until they see you move on without them until they see that you found someone else I know you may be depressed and unhappy after they've left you you're hurt they were acting suspicious they didn't come home anymore they didn't want to have sex with you anymore you knew something was wrong but you didn't have enough evidence they were just acting strange they weren't the same person anymore but that's really all of the evidence you need trust your own intuition if you think they're cheating on you they probably are and they're probably about to leave you and when they do that you're going to be hurt because you invested everything you had into them and it's not just your money you invested your emotions you invested your time so when it's all over you face an obstacle you feel like you're unable to continue or make progress because of the syndrants especially when you see that they've moved on to someone else but before they leave you they already have a replacement for you they're not going to leave you just so they can be alone although that is what they might tell you and once they've left you they're going to think you're done they're going to think it's all over for you but when you come back it will shock them because success is the best of revenge and they will try to come back but you cannot let them back in because they don't really care about you if they did they wouldn't have left you in the first place they only care about your success that's what they feel like they have lost which is why the last thing they want to see is you becoming successful they want to see you fail they want to see you do nothing with your life so they can feel like they made the right decision so they never have to regret it because they can't deal with regret they can't deal with the thought of letting go of something that was good for them but you can use that as your motivation to come back to have a bigger better life to date better people people that you get along with people that will treat you better and that will be their worst nightmare because then they have to live with that regret thank you for watching if you found this video helpful please give it a thumbs up share your thoughts in the comment section hit the subscribe button to receive the notifications if you would like to support the channel you can donate at paypal.me slash Narc Survivor you can book a one-on-one with me on my website it's Narc Survivor the Cuddy UK thank you for watching and I'll talk to you soon


Good morning. Before turning to today's topic, I want to take a moment to address the horrific shooting of three young Palestinian men in Burlington over the weekend. First, I want to extend my sincere sympathy to the victims and their families. I know thousands of homeowners join me in offering our condolences and support during this difficult time. This act of violence is both sad and baffling and has caused much harm and heartache in our communities. I reached out to the president of the Islamic Society of Vermont over the weekend to offer my and the state's support. I also want to thank Mayor Weinberger, the Burlington Police Department, our federal partners, first responders and medical professionals for their quick response, this despicable shooting. While there is more work to do to seek justice for these young men, we must also work to curtail these violent acts in the future. I urge for monitors to unite to help the community heal and not let this incident incite more hate or divisiveness. It's important we come together in these difficult times and put a stop to the violence we're seeing. Now on to today's topic. Today we're joined by treasurer P check. Secretary Moore, Ted Brady from the Vermont League of Cities and Towns and Michael gone from the municipal bond bank to talk about a strategy that will save Vermont towns a substantial amount of money as they rebuild following this summer's flooding. Treasure P check will cover the details of the program and how it will work. But we know communities started repairing infrastructure immediately after the damage this summer and now have bills to pay. And as we saw after Irene rebuilding could take years and sometimes the reimbursements from FEMA take some time. But the repairs are needed immediately. This program will help towns get access to capital at a much lower rate to move projects forward and save taxpayers money. My team will continue to work with our local and federal partners to fill the gaps when needed. And I want to thank pressure P check and his team for working to identify and fill this need. So with that, I'll turn it over to pressure P check. Thank you very much, Governor. And good morning, everybody. Thank you first governor for your remarks about the shooting over the weekend in Burlington. Thank you for your leadership and for your administration's leadership as well on that very tragic situation. So the program that we're here to announce today is part of the treasurer's office expansion of the 10% in Vermont program. We announced this program earlier in the year designed to focus on housing on climate resiliency and infrastructure and on social equity. Now we announced the program prior to the flooding of July 2023. And when the flooding occurred, we rethought what are the highest and best uses for this money. We did announce 55 and a half million dollars in housing investments a few months ago. And now today we're announcing $15 million of low interest loans through the municipal bond bank for communities that were impacted by the flooding in July. So after the flooding, a lot of the communities had to go to banks. They had to go to their lenders. They had to get loans. We did work with the governor and his administration and secretary Flynn to advance payments to town so that they had more cash on hand and had to have the ability to avoid going to a bank in this high interest rate environment. But many of them had to and they have bank loans on their books for eight or 9%. So that's gonna cost their taxpayers money. That's gonna delay their rebuilding efforts and their recovery efforts as they await this payment from FEMA or other sources. So this program is really designed to be a bridge for communities to get from where they are now to the FEMA reimbursement that will come maybe six a year 18 months from now. It'll also provide the opportunity for some additional planning and recovery as they look ahead to larger infrastructure projects that have to occur. And I know secretary Moore will talk about that, but being able to work through the bond bank and being able to structure this program in the way that we have, we're able to offer 1% loans for those loans that are less than five years and 1.5% loans for those that are less than seven years, which is the extent of the program. So we believe within that five to seven year period, most of these communities will have their reimbursements or they'll have longer term funding in place to solve their infrastructure needs going forward. So again, the expectation is that that will save communities over the life of the program over three and a half million dollars in taxpayer money. So we're we're appreciative of that. We're excited to be able to implement this program, save taxpayer money, allow municipalities to continue to recover and rebuild and really I'm appreciative of the partnership both with the bond bank and the league and also the administration to be able to bring this forward today and implemented successfully. So with that, I'd like to turn the podium over to secretary Julie Moore. Good morning. I wanted to take just a couple of minutes to provide a little bit of additional context for the importance of this funding. Not only to continue to aid flood impacted municipalities in meeting their short term cash flow needs, but also in providing much needed breathing room that will enable planning, not just to build back, but to truly build back better. I'm going to focus specifically on known needs related to Vermont's wastewater facilities, which were particularly hard hit by the summer floods. For context, Vermont has 92 wastewater facilities that together serve about half of all Vermonters. More than one third of these facilities, 33 in total saw some amount of damage during the floods and three facilities in particular in Johnson, Hardwick and Ludlow experienced what could rightly be considered catastrophic damage that will require either extensive rebuilding or possible relocation. And in the interim, there are costs to the temporary solutions that are needed to keep these facilities operational and providing their important public health and environmental outcomes. Things like generators, especially going into winter. And the towns don't necessarily have the capital on hand right now to rent or buy this equipment. In addition, over the last two months and are partnered with 10 towns to complete camera inspections of sewer pipes in areas that were inundated by floodwaters. This work identified further immediate repairs that are also needed. And unfortunately, as with generators, these communities have little capital to make these repairs within their current year's budget. In total statewide, we estimate that there's more than $75 million worth of damage incurred to wastewater facilities when you consider both treatment plants and the supporting sewer pipe networks. And while as the governor and treasurer P check indicated much of the costs of these projects will ultimately be covered by insurance and FEMA reimbursement. There is an upfront cost to this work, which can be significant. It includes things like planning, engineering design and procuring needed supplies. Given all this, it is clear the important role the funding being announced today will play in supporting municipalities in their ongoing recovering effort. Further, this funding helps ensure communities are able to make decisions around recovery and reinvestment in corn infrastructure based on what will serve them best in the long term as opposed to being limited to by what they can afford in the short term. And with that, I will turn it over to Ted Brady from the League of Cities and Towns. Thanks so much, Julie. So the Vermont League of Cities and Towns represents all 247 cities and towns in Vermont. We're also servers, they're insurer. So we've been in the trenches with the state with FEMA and trying to help towns put themselves back together and make sure they have funding to do that. Within days after the July flooding, the treasurer, Michael from the bond bank, the governor's office, and believe it or not, the Vermont Bankers Association came together and said, we have a problem. The lending environment after this flood is a lot different than the lending environment after Irene. It's going to cost towns millions of dollars in interest alone to recover. And the bankers, the treasurer, the bond bank, the administration came together and said, how do we how do we stop that? How do we fix that? And they came up with a pretty selfless idea. You know, the bankers were willing to do some work to get money out the door immediately. The treasurer's office and the bond bank were willing to come up with some ideas to find some low cost loans, the administration's been working with towns to try to make sure they can put themselves back together and have payments accelerated. A lot of things have happened. Put simply, this program is going to allow towns to pay for government services and pay for things like the salaries of plow workers and water workers and cops instead of paying interest to the tune of, you know, several million dollars. It's going to impact the most impacted towns in Vermont, which is here at the league. In addition to that, we're going to subsidize the interest for about 35 communities up to 35 communities that were the worst impacted by the flooding and that have uninsured losses that they need to finance while they wait for FEMA payments. And the league anticipates that to be about a million dollars. Towns are trying to put themselves back together. This is budget season. So it's the perfect time. Believe it or not, this is when they have to put that budget together that you vote on a town meeting. And this is the perfect time to say, oh, maybe we have an alternative to a high interest loan product or really a market rate into a loan product right now and we can look to the bond bank and look to the Treasurer's Office. So this is a welcome piece of relief during budget season. And I think municipalities are going to be able to rebuild faster and stronger thanks to this without hopefully without cutting budgets, laying people off or raising taxes. Thanks so much. I think I'm supposed to turn it over to the bond bank, to Michael. Michael Gahn, to the bond bank. Michael Gahn, Executive Director of the Vermont Bond Bank. Thank you, Treasurer Pichek and Governor Scott for allowing us to create the Municipal Climate Recovery Fund, through which we will pass along the rate of the 10% in Vermont program without alteration for Vermont's cities, towns, and villages to recover from the summer's flooding. At a time when the state is facing many overlapping and tragic challenges, the 10% of Vermont program is a great example of leveraging existing resources to make a meaningful impact. The purpose of the MCRF is to provide budgetary relief while awaiting FEMA reimbursements by lowering interest rate and extending the term of the loans taken out for those purposes. Our Vermont banking community has done a great job in stepping in to fill the need. But there's no escaping the fact that rates are currently at 20-year highs and this program will provide timely savings to while also allowing banks to redeploy that capital. As Mike mentioned, the program will save taxpayers an estimated three and a half million dollars over the life of the program and as Ted just described, the subsidy provided by Passif will allow another million, up to another million dollars, bring the total to four and a half million dollars through this program. The MCRF will provide loans for seven years at a blended interest rate of 1.3%. The first two years of the loan will be interest only, as we believe this is when the majority of the FEMA reimbursements will occur. However, we structured the program with a longer term to ensure that communities have breathing room for unexpected delays or the complexities of building back smarter. This program really grew out of our experiences after Irene, when as recently as 2020 we observed communities that were still working to resolve related costs. It became apparent that in responding to climate disasters, a structured financing with a longed with a medium term and a low interest rate was ideal for sustainable and flexible recovery. The program is also an extension of our work to help municipalities with resources after the summer's flooding. We have provided legal guidance on how to borrow on a tax and basis post disaster, as well as refinancing and restructuring existing loans to provide immediate debt service savings for flood impacted communities. We talked to dozens of communities to evaluate the need for this program over the course of the last several months. On that note, I want to thank my staff at the bond bank and our loan officer Ken Lingey for doing the hard work of understanding conditions on the ground as they exist. We will review details of the program with potential borrowers in the public through a webinar on Tuesday, December 12th at noon. Registration details as well as more information about the program are available on our website at vtbondbank.org backslash MCRF. However, with this moment in the press here, we want to ask that all towns that may be interested in this program reach out to us as soon as possible so that we don't leave anyone behind and allow everyone to benefit from this great program. Thank you very much. Thank you, Michael. We'll now open up to questions. If it really takes a year and a half for people to send money, why is that? I don't know if it's all the money. You know, it comes when projects are moved forward. There has to be design and so forth and then the dollars associated with that. So sometimes it takes a while for the projects to be completed and the money to come as well. So I think we've mentioned this before in the last month or so, but it wasn't until this past year that we finished the last project for Irene. So some of that money, you know, flows with the project as they come forward. So you don't get paid until the project's done yet? Yeah, not every time. And that's why there's no consistent flow of money. And this gives us some consistency. Something that the Tows can get behind and have some security to know they can complete the project and they can move forward. They can get the design working in the engineering and permanent and so forth. So we use Johnson for an example. And it wasn't long. I was there right after the damage to their sewer system. And they were just concerned about the ability to do anything because they didn't have the money. They didn't have the tax capacity and anything. And they weren't sure FEMA was going to supply that need. So getting them up and going in the meantime, and then developing plans to move forward to mitigate future damage is going to be part of this whole package. But having the money to design and permit is essential. But anything else that I missed on that?  We don't have a great understanding of that. Oh, sorry. We don't have a great understanding of that. But in our conversations with communities, things are changing rapidly. And only, I think, the most recently, if they completed their final FEMA discussions, but it was estimated to be, you know, up to 35 million.  But clearly, there's a need. So sounds like there has been more debt incurred and is going to be available to refinance that debt.  Yeah, great question. So one, that number that I cited was, you know, as we were developing the program was a bit of an estimate because folks were trying to figure out what the actual costs are. But to the extent we have oversubscription for the program, we'll use something we're calling a disaster impact ratio, where we will take the, you know, the losses, less insurance payouts, plus own source revenue loss divided by their last year's budget to develop an understanding and help prioritize funding. But we're hopeful that this should provide enough for everybody, in particular, because as we refinance loans from banks, the banks will then be able to turn around and relend while staying within their single name limits for individual borrowers. So municipalities have lots of debt, and they refinance existing debt that's not flood related or is it restricted? This particular program is just for flood related short term interim loans. And then when homeowners hear interest only loans, they sometimes little red flags go up like maybe that's not a great thing or they're not going to hang on the principal, but I presume it's interest only to make it easier for the municipality to repay in the first couple years. That's right. In the first two years, as I mentioned, when we expect those FEMA reimbursements to occur, so rather than amortizing debt or paying down principal on loan amounts that will then be reimbursed by FEMA, we wanted to provide sufficient time to receive those reimbursements. But then after two years, starting in year three, they would begin to pay down principal if it's not already paid off. This is more of a broader question about the program, so I don't know if Commissioner Pitchick wants to answer it, but when you made the initial announcement about shifting the focus of the 10% to housing, I remember that that shifted some of those resources away from others who had been hoping they were going to maybe benefit from that program like Burlington, as I recall, was considering and hoping to get funding for this McNeil district energy program. So can you speak to, in any way, who's the loser here? If you're going to take this $15 million in spirit for the flood recovery? Yeah, so, you know, we still have more money in the facility, you know, within the 10% Vermont program to do additional lending, and we do view this program as being something that is shorter term, which is attractive to us. So there's more money available. There's hopefully more money available within the next couple of years from paybacks from this program. So I think for us, it's a matter of prioritization. We want to get to those energy projects. We wanted to be thinking about that, but we did want to prioritize housing, flood impacted communities, like we're announcing today, and housing as it relates to those that were flooded out as well. We did amend our focus a bit on the housing front to incorporate communities that were impacted by the flooding and to set aside money specific for rebuilding individuals that were impacted by the flood and VHFA is executing on that. So can you think of any other projects in the state that are not going to get funded because of the shift in focus to housing and flood recovery, or is it just too broad? So, you know, we did when we put out a request for applications, you know, we had about 85 million available. And I believe in total we had like $250 million of ask if you looked at everyone that had asked for in the application. So clearly, we won't be able to fund all of those projects at once. Some of the projects aren't great for the source of capital either. We need it to be very low risk. The bond bank is backing up this money. Municipalities are good entity to lend to and there's also the state intercepts. So we sort of have three different levels of security here. So risk is a big factor for us when we prioritize as is the impacts that we're trying to make. This will certainly have an impact on on climate resiliency as well of going forward. So it does hit that climate resiliency, you know, goal that we articulated. It's just not the kind of projects at this moment that we expected to fund from the energy field. But we're working on that and we're trying to think about ways to to get funding to those projects as well. I think I understood the $3.5 million dollars in savings, but I don't think I understood the additional million that gets us to 4.5. Absolutely. So there are 35 communities in Vermont that had losses that exceeded their insurance where they're insured the Vermont League of Cities and towns. So these are towns that in flood zones, their insurance caps out of certain dollar figure. They might have had a building damaged. Some piece of property damaged. Those 35 towns are eligible to apply for an intra subsidy down to 0%. So so we'll the Vermont League of Cities and towns are passive insurance program will actually cover the difference between that 1.3% and 0% for the life of that loan. So those 35 communities will be eligible for not having to pay any interest. Obviously they'll have to pay the loan back, but they won't have to pay any interest back. You mentioned earlier without this money, people would either see reductions in service cuts or rising taxes. Can you speak a little bit more about physically like what for monitors would feel and see if we're not for this money? Yeah, sure. Well, I think you don't need to look much past the Capitol District to see two towns that are really struggling to make their budgets. You look at Montpelier and you look at Barry. Those are two very city to look close examples of cities that have to put their budgets together. They might not have sales tax revenue coming in. They've had to abate property taxes. In addition to that, they've had to invest a little money in rebuilding roads, bridges and few million dollars worth of public buildings that they've had to put money back into those communities when they go to budget season, they have to look at their revenues. They have to look at what they need to spend. And one of those line items of most budgets is interests, you know, what debt, the cost of debt. And this is going to reduce the cost of debt so that they can put more of that money in those other places. When you go to town meeting and voting your budget, you'll see that, you know, the debt line and this allows that line to be smaller so those budgets can account for other other aspects of running the town so they don't need to raise taxes or cut services. Governor, you said you offered your support, the state support to the Islamic Society of Ramallah, and you're going to talk a little bit about what you think that support ought to look like. Well, again, I just wanted to reassure, was Dr. Ali, he's the president of the Islamic Society, and I just wanted to be sure that he knew he had our support in any way needed and that he was able to reassure the followers of the Islamic faith that we stood behind them as well. And we had a great conversation. He was going to do everything. I think we have the same mission. We don't want to incite violence. We want to tamp that down and him making some of the statements he's made as well as other fates, I think, has gone a long ways in doing that. What do you foresee in the near future is concrete actions on your part that you hope will advance the goals that you mentioned, of indeed violence, preventing this from becoming a flash point for something you don't want to see? Yeah, well, again, it's all individual as well. Different groups can have a direct impact on this, but us individuals can. The whole mode of trying to be more respectful, more civil, more understanding, I think goes a long way and that's the grounds well, grounds well, middle out, top down. We need all those approaches in order to create a more sensible civilization. And I know that that doesn't answer all that we have and they're extremists that we have to deal with and some of that will become become the responsibility of us and our our Vic being able to promote information center, intelligence center to find those flash points to be able to track where there is going to be an ember that could explode and so we'll continue to do that work, step that up as much as we can, but we need everyone just to come together in this in this moment to be better human beings. Based on the evidence you've seen, the briefings that you've got, do you think that this is an alleged crime that would qualify for a hate crime? I think, you know, that I'll leave that to the courts and the prosecutor defense and so forth, but I think, I think the state's attorney, Sarah George, has said it right whether it's a hate crime or not, it was a hateful act and I think that that was that was the right the right thought. There's a high bar for a hate crime and I know the president, the White House, the Homeland Security, of all, and the U.S. attorneys as well have all said that they will be there to help if need be, but that's for them to determine. Have you thought about inquiring to Sarah George's office whether a psych about has been ordered, should be should be ordered? Any thoughts about that? I think that's a strategy. Both the defense and the prosecutor will probably work out amongst themselves, but I wouldn't be surprised, but that's something that is in their court. Any conversations with your commissioner of public safety about the viability or merits of some sort of action on law enforcement part to, I don't know, enhance surveillance of Yeah, we have and we have since some of the violence began a month or so ago and reached out to all the organizations involved to make sure that if they needed help, they wanted more assistance, they wanted more of a presence that we're there for them. So I know, I don't know if it was the commissioner, but law enforcement, BSP, the colonel and so forth, they've reached out individually to them to offer assistance if needed. And has that resulted in any increased patrols or activity in the United States police that we wouldn't see on the last night? I'm sure that it has, but Dan, do you have anything you can offer to this? I mean, we can get back to you on this as well. Dan Bates, I'm the deputy commissioner of public safety. I'll echo what the governor said. We've given assistance to the investigation. Our crime scene team was there. The Vermont State Police crime scene investigation team was there. Our warden service offered resources to the investigation as well. Our intelligence center has stepped up as the wrong word, but increased sensitivity looking for trends. We have not found any meaningful warning signs that would indicate anything more. And just offered the assistance to local law enforcement of anything that we can do. We do regularly assist Burlington on patrols. We've not had any requests that I know of. I would want to double-check that before I said for sure. We've not had any request that I know of to increase patrols in that area, but we can certainly find out and get back to it. The governor, specifically with some of the protests surrounding just the complex in general and after this shooting happened, are you concerned about the policy state planning to reactively, I don't know, more so after this happened? Yeah. Well, I would say that we're on a heightened level of response at this point in time. So when we see those events, obviously we pay attention. So our law enforcement community is working together across municipalities and state level and federal level to coordinate any efforts we see. How do you balance that kind of law enforcement prevention and protection with holding people's first amendment rights to? Yeah. I mean, first amendment comes first, right? So we just want to make sure that we, they're doing so safely and that we're not impacting any, especially those who who are innocent bystanders. So we want to make sure that we're doing all we can to protect the general public. Car, sir, you individual Kentucky died on Sunday. What are the conditions with downloads, interest, maybe I don't know if either one of them are on. Secretary Samuelson, did you just hear the question about the death of the inmate in Kentucky? I heard a statement, but I didn't hear a question of this specific question. I'm hoping you can just tell us everything you know about what happened at this stage, Secretary. So I think I would direct the folks back to the press release but essentially we had an incarcerated 72 years old incarcerated out of state in Kentucky. He was having medical situation. The staff there responded and was transported to the hospital. But unfortunately even with life saving mechanisms he would he was pronounced dead shortly there after he was serving a 30 year life sentence for kidnapping and murder and second degree in sexual assault was to be out of state. Any indication on cause of death at this point? They have initiated an investigation into the cause of death but at this point there is nothing that arises that looks suspicious in any way. What role will your agency play in reviewing the circumstances that led to this death? The Department of Corrections is working closely with officials in Kentucky and through the interstate compact and it is reviewing the policies, procedures and the circumstances of this death. Mr. Schaefer's death. Thank you. I thought all the inmates were in Mississippi. Yes, sorry, Mississippi. We did ourselves. It was Kentucky was before. Okay. Governor the defense is trying to move that into family court. Meanwhile the victims family they're starting a petition and they're ramping up calls for the state to continue to build a facility that would house young offenders charged with big 12 crimes. Where do we stand with that conversation? Yeah, we share the timing location for a stepped up facility of some sort in the future but that's not something that's going to happen overnight. So we will continue to move forward. We have a number of ideas in place but we need a site to do that. It's a long-term project. What's being done in the short-term? We're revamping in middle sex at this point in time. There's also the sheriff in Wyndham County has a room for short-term capacity and then we have out-of-state resources. Commissioner Winters said that it might be online the middle sex facility by December one is for trouble versus dangerous. Yeah there is a difference and some of the more dangerous would not go to a facility like middle sex. Where would they go still? Out-of-state depends on the situation. Could we go back to the inmate death for a second? Does this and some other recent inmate deaths make the state think perhaps it's medical release programs for inmates, folks who may no longer be a danger to a society safe from 72? Well again I don't know I mean if you talk to the victims of that crime aggravated assault and murder they might say that that doesn't end. So from my perspective what we're seeing a lot of is our aging demographics. I mean as we're seeing it as a society here in Vermont we're aging out we have an 80% increase of those over 65 in the last 20 years. So that that tells a lot about what's happening in Vermont but also our inmates our correctional facilities are seeing the same thing we're getting older so we're going to see more natural deaths in those facilities as well and but as far as releasing them I'm not sure that that's I'm not sure that's the right approach in every situation just because of age. I guess it's a philosophical debate then in terms of what is the purpose of incarcerating people is it to remove them from society if they're in danger or is it making them pay for I'd say yes to both. To go back a couple of weeks ago when you talked about the housing crisis you said you were gathering all the principal players together to try to come up with and move forward with something that that works for everybody do you have an update on that? I don't have any update at this point in time there was a rock slide on Interstate 91 Vermont has seemed to be scraping all the potential sites for slides that was missed or scraped and didn't work I'm not sure maybe Secretary Flynn can answer this but we have over the last few decades seen a lot of slides in Vermont some of these locations it depends on what type of rock is there and the angles of the veins in the material itself so Secretary Flynn anything on this one? Thank you that was a fairly major rock slide we have the interstate down to one lane in that area it's not a matter of missing something what we do is we take a look where there have been problems and we take a look at places where we predict there will be problems but when you look at the miles of interstate and the miles of ledge we have in this state it's impractical or impossible to get all of it at one time I think a lot of what you're seeing is not only aging infrastructure in the ground but when you look at the existing freeze thought that's one of the major contributors potentially to why you're seeing some of the slides just the way the formations are thank you we've got a few folks online and then we'll come back to the room we'll start with Tim McQuiston from my business magazine Hey Governor I was wondering Michael Pichek can talk about what the cash on hand balance for making more money available through this program if there is money available yeah thanks Tim for the question so you know as of this morning our state's cash on hand balance was about two billion and 89 million so just about that two billion dollar mark of unrestricted cash balance it's sort of hovered at that mark right around two billion for the last 18 months or so so it's been pretty consistent that two billion is a significant amount of federal money that needs to be spent down in the next couple of years we also know there is more state revenue that's making up that two billion as time goes on so we really wanted to take a conservative approach to expanding this program from about 30 million to 100 million that brings us to about 5% of the state's cash deposit we'll meet again as an expert but that's really the balance there Tim is not knowing if that full two billion dollars is going to sort of be around for the next five, ten years and we're making these loans generally on longer term timelines so it's something we're considering but we thought this was a big first step we wanted to evaluate and see how it went and we'll continue to evaluate that cash balance questions today have been cost shifting some of that money that was available that factor in it all when you re-evaluate in January where some of these other programs need money that maybe didn't get it because of the flooding and the subsequent impact of that Tim I'm going to ask Mike to comment as well on where we were before we received all the federal money and where we are today because I think it's important for Vermonters to know this isn't excess money we just have I mean this is money that's committed we have to spend it somewhere we've already done that it's just going to take some time before we can put it in the ground or in the air or whatever we're doing with it from an infrastructure standpoint so it's committed money so we have to determine when that is when it's going to be needed for the purpose that is sitting there waiting for and then what it really is so I just don't want everyone to get the wrong impression here we don't have an excess of $2 billion waiting there for other purposes we are fairly restricted on that money we need to put it we have the match money as well for these infrastructure projects and so forth that's going to be needed but what we had before we received all this federal money treasure is there any risk of clawback there is always risk of clawback but once they've committed and once we have it in place I'm not sure that they can claw that back but if we don't commit it then there's a risk of clawback just that to echo the governor's point is exactly right like just a few years before the pandemic our cash balance was been appropriated or we've collected it and it's being weighted to be appropriated in the upcoming budget cycle so the other thing to remember Tim is that we are earning interest on this money whether through our banks or through treasuries and generally we're getting pretty good interest rate like five and a half percent in our highest bank so in a previous year where the interest that we earned as a state was less than a million dollars this year sitting there for no productive purpose that's money that then can be appropriated in the upcoming budget cycle so we're appropriating we're strategic where we can sort of use this program and we think it's a better use of money to incentivize the development of something like housing or buy down interest rates to save taxpayer money we'll definitely try to find those opportunities but as the governor said this money is accounted for so we want to be conservative with it Tom Davis thank you Chris Boyd importantly Express Governor later today there's going to be a coalition of environmental organizations that are going to be highlighting upcoming changes to the renewable energy standard from and I understand the administration has been involved with this work as well during this working group what does that work look like from your perspective well thankfully I have here in the room is that going to be more as any of you can hop in I don't know if commissioner Tierney is on the line we can actually have both of you commissioner Tierney anything you want to add to this or even begin I think there are two observations I can make one there were two exercises performed this summer looking at the renewable energy standard one of them was the one that has been alluded to in this question and the other is the work that the department of public service undertook on its own initiative and we've released that report it is on the website of the department of public service and it's worth having a look because there is a lot of very good data showing what vermonters would like to see in their renewable energy portfolio and their consumption energy and the like the work that the legislature has been doing has been driven by the legislature I believe the committee chair is senator bray the department of public service has provided some support for that work as required principally administrative and to my knowledge the work has come in on time but in terms of characterizing the report I really think it is best to defer senator bray and his colleagues on the committee I don't know secretary more would add anything to that no I think that was a good assumption question back on the demographic crisis so to speak V-SAC still send scholarship money to students out of state colleges as I understand it one of the few states that do that I think with the second highest cost for people to educate people and then we subsidize sending them out of state according to the Department of Education 50 percent of the graduates of college stay in the area in which they went to school so aren't we if all that is true isn't that something you might might be changed yeah obviously we're hoping that we can get those students back to come home at some point we find that time and time again they might be away for a while but eventually they come back they grew up here in Vermont they lived here in Vermont and went to school here in Vermont we just thought it was appropriate that we help them get the education that they deserve and want and again we can certainly we will be attempting to get them to return but I understand your point but we have a responsibility 65 percent of the kids who go to in-state school stay in state yeah I'm not sure that there's a direct correlation there but there could be I think some of these students if you didn't offer them assistance with tuition would leave anyhow and go to school somewhere else so I'm not sure that necessarily means that we'll have more kids in Vermont but it's the same goal we need to attract more people into the state it has to be affordable and we have to make sure that we're doing everything we can to create the housing and all the other infrastructure we need to get them here yes but it is a bit frustrating all the money we spend on K or pre-K through 12 and then they take that education and help out in other communities but at the same time we have a number of colleges and universities a lot of other state students have come and they stay so that's all good okay Governor when I was traveling for Thanksgiving I drove past what I think is more than a dozen housing units mobile homes sitting on the side of the highway still not in a staging area still not moving any closer as far as I can tell to being installed where people need them and living them yeah I mean it has taken longer than we had hoped but I know that they've signed the agreement Dan might be able to talk about this more but they have signed the agreement they're going to move forward FEMA believes that they'll start construction within the next two weeks and their time frame is I think 68 weeks at that point so they're going to build that you're someone who's moved around in the winter in Vermont that's not the time you really want to keep constructing anything well it can be done it just is usually a little bit slower and a little more and quite a bit more expensive but they're putting the tab for this and so I'm sure they've worked in cold climate before they have they have contractors that do this type of thing all over the country because I asked the same question okay and last question for me I spoke to the general services agency the other day about the federal building downtown and they cannot even assure I think the state or the city that they're going to be able to reopen the building there are so many problems from the flood but for other eating systems intellectual systems that so my people wondering when their post office going back in the federal building are being told we're not sure it is what's your that's a prominent building in downtown and it certainly is and I think I think Montpelier needs a post office in their downtown we have reached out to them as GSA and offered any state resources we can and there are some buildings that we think could work for them but at this point in time I'm not interested for the post office has been interested in what we've had to offer but will continue to make those offers as it stands now do you know if they've got a site and a plan to move forward in the temporary space I have not heard probably any more than you have what has the state offered for facilities we have some buildings in Montpelier that might help facilitate a post office and we've offered to show them some of those and see if there's something we can do to work together on that but again there has been any interest in going any further than that have they looked at them with you they haven't even taken a tour of existing buildings in Montpelier with the state to see if those are agreeable to them we've done so just by communication and the response was they have no interest at this point the federal delegation has blasted the leadership the lack of communication with the state and with the local governments do you do you agree with that criticism you know well yeah I would think that they would be doing everything they can to find temporary solution which I think we could offer or even a more permanent solution which we might be able to offer as well what about the other occupants are there USDA folks there are many FHWA I think and others yeah they've been displaced as well I don't know where they are to be honest with you but they've been displaced and when like is the state working directly with the postal service or with our reach out was just to the GSA okay and it was just it wasn't something they requested I just said to our secretary of administration why don't we reach out to them and see if there's any interest because we know the need and I think we can get creative and find a solution but they had some back and forth conversations and in the end they went to GSA went to the post office who makes the ultimate decision and they said they had no interest in moving did this they offer space for the other folks in that building too or just have not I mean it was just the post office we were talking about at that point right I got a follow-up question good we'll see poll this morning you have an 84% approval rating first in the nation among governors and I guess my real question is none of us in this room have ever been the most popular governor in the nation and I wonder what does that feel like what does it mean to you what does that feel like I keep saying this but it's it's like just this snapshot and time a small number of people being pulled and they come up with this and you know it can go the other way just as quickly as it went out so I don't take too much thought in it thanks can we go back to the little interest a little bit I think this is a question for you Michael or maybe for your paycheck one of the Michaels true more Michaels than women but can you give us an idea what interest rates would be for municipalities if not for this program like as a point of comparison yeah great question that came up in our calculation our estimate of the savings for this program so you know we've been dealing with the floods since the summer obviously and if you have followed the markets they're quite volatile at the moment but we estimate that rate we've found our guidance or otherwise found guidance on how to do their short term bar in a tax exam basis which will lower the rate but for others in the interest of speed they have not necessarily chosen that path and so the rate varies from probably about 5% we've heard even up to a little over 7% yeah so you know this might be a dumb question but how is the bond bank able to afford to offer such low interest points like if that comes out of cost to you guys yeah so the bond bank it's tough not to start at our creation we're the first bond bank in the country about 50 years ago we call ourselves the best kept secret in the state but you know in all of our loan programs we don't take a spread so we're able to do that because of some programmatic revenue we have and from some reserves we have that help our credit rating but also we can live off the interest on so we're small and nimble we have three staff and so with our pool loan program which is our bigger program it's about borrowers basically without adjustment we'll do the same thing here for the 10% of Vermont program so the rate that the Treasurer's Office and the state will give the bond bank we will then pass along to our borrowers because our sort of overhead is covered through other sources and the credit risk is low I should also mention you know these are the most part these are going to be tax-backed loans from Vermont's municipalities and clearly the bond bank believes in the future is the state going to offer really small towns that may not have staff numbers is the state going to offer any sort of resources for folks to be able to navigate this and buy we have offered resources in terms of some of those small communities that don't have anyone to move forward with any of their projects so we have offered that and we put $3 million aside for that but in this particular case for this project I'm not sure it's going to take a lot it seems as though calling one of the mics might get that done I really don't think it's a complicated process no we're going to make the application as simple as possible and actually you know in particular the added well I should say again the Addison County communities those are the ones that I think that we're not used to necessarily doing short-term borrowing and we don't have a pre-existing relationship with in some cases communities like Ripton and so in this form we'd ask that they reach out to us we will walk them through the process and make it as simple as possible thank you all very much