Today we have with us Moti Guindy, Chief Product Officer at APIRO. Moti, it's great to have you on the show. Hey, great being here. Again, so thank you for the opportunity. It's my pleasure to talk to you all the time. Today, of course, we are going to talk about a new announcement that you folks are making, which is about extending into supply chain security. But before we go there, just quickly remind our viewers what is APIRO all about. APIRO is a cloud-based application security platform that helps application security owners and developers and engineering owners to manage their security posture around their software development, understanding how their code is being built, what is the risks that are found in that code, helping to prioritize, remediate and also prevent this risk from ever happening again. Excellent. Thanks for the intro to the company now. Let's talk about what are you folks announcing today? APIRO from day one was focused on helping our customers to secure their application and the way that this application is being built and deployed into the cloud. Today we are announcing a new set of capabilities that are added natively into our platform to help identify, prioritize, remediate and protect from supply chain risks that are generated by the way that the code is being managed, it is being built and being deployed. When it comes to supply chain security, depending on industry, depending on how people are consuming, what we do know is that more and more people are consuming open source these days and when you talk about open source code base, there are different frameworks, there are a lot of dependencies. Even if you are spending containers, they have a lot of things inside those containers. Do people really understand the software supply chain? I think the short answer is yes and no. I think more and more, as always, I think more and more, everyone that is building code is aware today that the large percentage of the code is based on open source and things that are actually getting from the outside and incorporating into their code. They understand that they need to find vulnerabilities, understand risks based on this code is part of implementing secure development. But this is the yes part. I think where is the no part is that thinking about your software supply chain is only about your open source vulnerabilities and risks is a limited view because when you look really holistically on how your software is being built, open source is part of it, but also the way that you manage your code, the way that you build your code which is based on SCMs or CICD pipelines or the artefactories of containers, all of these elements that are in the background helping you to build the code, the application and deploy it and manage it are also a source of attack, are also a source of risk. So when you look on software supply chain, you need to look not only on the property code that you developed and the open source code that you inherited, but also around the entire end-to-end way in which this code is being managed, developed and deployed.  This is not a vulnerability, it's not related to open source, it's related to the way that actually your code is being built and developer behavior is part of this way that the code is being built. So being able to detect it and protect from such misaligned developer behavior is in our view, in the peer view, is also part of protecting your supply chain. So the way that we look and we hope the industry and soon the regulation we look around software supply chain security is in an holistic way. The code that is being built, the process in which it is being built, the way it is handled, managed, deployed and built and deployed into production. This is a very good point because when we do talk about software supply chain sometime we do focus on external components, but you are building a lot of code internally also. So that is a great point. I kind of draw a parallel with the analogy of automobile industries because that's where all the components come from. And then if you do not know where the source is of your component you will not be able to fix that problem. I was going through the Prisley's and there is also, you are also natively providing source control manager there for the CI CD. So talk a bit about once again from the perspective of knowing what is the source of the code, it could be external, it could be internal. And also when you are explaining that, maybe also talk a bit about what are some of the core features and functionalities that developers or DevSecOps team will get access to through this new announcement that you folks are making today. I'll answer both. I'll start with analogy. I like your car. I will add another one of like when you look at a home that you built it's clear that when you are entering the home and say hey do I want to live here you need to look at the furniture and the color of the floor etc. But if you are actually doing the right diligence you also need to look at the plumbing that is hidden behind under the floor and also the concrete that was used and the quality of the concrete that was used to actually build the building and how is the if there is a gatekeeper at the building is it someone I can trust and actually and that's really the key thing and connect all of that. So that's the key thing, that's really the key basis and thesis around our software supply chain. We think about it not as a standalone solution but it's another component, another way to look at your risk that is part of the term that is industry called ASPM application security posture management. Now needless to say this is not a theoretical risk this is something that is happening more and more this type of attacks by again malicious attackers that are somehow controlling the way that your code is being built and by that they are blind to the normal app sector that are looking for vulnerabilities and issues within the code that were entered by mistake. So adding these capabilities is really a must in order to provide an holistic view and this is where regulation is also going to. CISA, SSDF, CIS, NIST, Salsa of course all of these are acronyms of regulations that are looking at the same problem from different angles and putting more and more liability and responsibility on our customers to make sure that not only the software does not include vulnerabilities but really the way that it is being built is safe and controlled. So that's really the mission we took when we built software supply chain security into appeal. So within that we divide the set of functionalities that we are providing and announcing today to four parts I will touch them and really touch what is really the places that this approach of looking at software supply chain is part of an holistic SPM solution and not a standalone silo provides to our customer. So the first element as always is visibility. Understand, like I said, hey, you need to control the way that your code is being built. So the first level is understand where your code is being managed, what is the posture of the SCM? Does your repo or branches allow, for example, pushing code without code reviews? Is it something that is happening? How your developers are behaving? Which developers are pushing which type of code to which type of repos and then how this code is being built? What are the pipelines that are providing, that are building code? Are they vulnerable? Are they configured well? Who has admin rights to them? Do you have admin rights to people that have no, that are actually not accessing? You are not actually operating under list privileges. And then how the thing that you built is being managed in artifactory container registries and is being deployed. And can you say that the thing that is now being deployed is the thing that you originally developed? So visibility is kind of the anchor level. And here, last time I've been here, I talked about a concept that is called XBOM. Since then, this thing is, this acronym is becoming more and more known and not only pushed by us, but the concept was that let's take the good ideas of XBOM, software builds of materials and enhance them and say, hey, software is not only open source vulnerabilities, but also API code modules, data models, developers that build the code. So software supply chain is just an addition to this XBOM. Now, you can, in a Piro, via our graph-based risk engine, you can ask yourself, here is a line of code, which code module it is connected to, which dependency it is being used, in which SCM it is being managed, what are the permissions of this SCM, by which pipeline it was built, what are the vulnerabilities of this pipeline and to which container, a production pod, it was deployed at the end. And is it really the line of code that was originally written by my developer? And of course, with the developer that did it, et cetera. So software supply chain is added to our XBOM and to our risk graph engine. This allows, and that's the second layer, a very unique risk assessment. There are many software supply chain companies that are security companies that can look at your posture of your SCM or the posture of the pipeline and find vulnerabilities or find misconfigurations. But this, again, will be siloed. Again, like in the past, you will get 10,000 alerts of misconfigured repos or misconfigured pipelines, but which are the ones that are really important? This is where the fact that everything is on top of a one platform and connected by this connection of graph allow us to create the notion of chain of risks, or we call them toxic combinations, that allows you, for example, to say, out of all of my pipelines that are repos, sorry, that are misconfigured, that allow force push, meaning pushing code into production without code review, I want now to handle only the ones, first of all, the ones that allowed force push and build and have an API that were added lately without code review and that are deployed to the Internet and has no authentication. It means that someone added a risk, imminent risk, an API that has no authentication deployed to the Internet and did it without a code review. This is a risk that is above critical. I need to go and handle it today. The only way to identify it is by connecting code, API authentication flows, et cetera, to the way it was built and deployed, which is without force push, for example, or deployed to the Internet. This is an example of a toxic combination of taking vulnerabilities or issues from multiple domains, pipeline security, source code manager security and API security and combine them to a risk. Understanding that the risk is not a collection of vulnerabilities, but actually the combination between them. This is the only way that you can say, here is a strange developer behavior. Morty is a developer that usually writes in C-sharp on this and these repos and now Morty added an open source vulnerability to a Python repo in the middle of the night to make this example more romantic and this is really different than how Morty is operating daily and now there is now a repo with an open source vulnerability that is exploited from the Internet build and deploy to production. It means that Morty, either Morty is a malicious insider and added a backdoor or Morty's credentials were obtained and now I have a risk in my, like an attacker use these credentials to add a backdoor to my code. No app sector by itself will identify that and yell on that, but the combination of these things be taking multiple medium items and making them a new critical thing. And that's really the second layer of the risk assessment and toxic combination detection that is really unique to an adding software supply chain capabilities into a platform that is doing much more than only supply chain but actually looking across the all SDLC from code to cloud. And then of course come all of the usual code from capabilities of a PROF being able to prioritize, remediate, prevent, stop these threats from entering code at the PR level when you are actually authoring, for example, pipeline configuration files. But I would say that the uniqueness is around adding these capabilities to XBOM to provide actually visibility that is connected and then using that to create toxic combination detection. This is something that I think you wouldn't find in any other silo the standalone software supply chain security product. Earlier, you were talking about regulations. I want to talk quickly about since you folks are based in Middle Eastern for the whole European market is also there. Recently, European Union came out with CRS, Cyber Resiliency Act but there has been a lot of criticism that while the intentions are good they don't fully understand that the responsibility should not be on end developers. It should be more or less on on vendor server developers. They're like, they don't know if my code is Linux kernel. We don't know if the kernel is being used in a submarine or is being used in a rocket or a missile. My job is to make sure that this is the code I wrote. So that's why sometimes when you look at open source code, do you have any comments on that where you see that when it does come to regulations there should be a participation of public, private sector, all the stakeholders. Just want to hear your thoughts on that. I think that at the end of the day owning the security of an application is, I think as you hinted, a combination of both the applicative code owners, the one that are actually writing the code and their suppliers that are supplying the right components which are secured and nothing, you can't do anything by not communicating or by siloing, trying to say the responsibilities either on that or on that. But at the end of the day and I think CISA is going exactly to that direction in the United States and I believe firmly this is the right direction is that the final responsibility of and the security of application which means the components of the application, the supply chain of this application and also the processes that built it is the final ownership of the one that provided this application. And therefore CISA is going under I think there is a call to comments that was launched a couple of weeks ago by CISA to initiative of secure development at the station, excuse me if I'm not saying the right name exactly, but putting the responsibility of attesting that the code that you provide to your customer putting this responsibility to proactively attestation on the CEO or the board of a company which means the company needs to owns when coming back to the home analogy when you are the home owner you own everything even the things you own the responsibility to attest to the quality of everything even if it's not, you are not the furniture but you need to attest to the quality of the table, you are not sorry the carpenter but you need to attest to the quality of the furniture that are within your home. So this means that it will put higher bar on companies that are supplying software they will need to be personally attesting it's not now a vague statement like SBOM was kind of you need to supply your SBOM but the responsibility to consume this SBOM and understand it the responsibility of the ones that actually use that. Now it's going the vice versa you don't need only to supply an SBOM but you need to proactively attest that you have the right processes, you have the right tools and you have the right outcome of providing a secure software. I think that this model which at the end of the day is becoming pushing software application to become much less voluntary and much more proactively like again in a board level or CEO level is exactly it puts a high bar on all of our customers but it's the right way to push quality or security upstream. Again I hope it makes sense, I can understand also the fears of customers of saying but I can't attest but this is exactly what CISA is pushing on putting a higher bar which I think really is the right move to help the entire industry otherwise it's chaos. When we talk about software supply chain security or when you talk about toxic combinations are there any specific industries that you look at and now when we look at industries could be industries which are like sensitive it could be financial or it could be healthcare or it's about the size of the company as well that bigger companies versus our company or you feel no this is a problem it doesn't matter it doesn't matter industry if you are dealing with software this should be your problem. So as always it's option B it's a problem of everyone that is actually writing code no matter the size of the company and no matter the industry or the regulation but as always because there is here a maturity process and regulation is a way actually as we talked just earlier about the CISA initiatives and other regulation is really a very effective way to push companies to do things that are otherwise hard to invest in understanding your supply chain and securing it it's not a trivial thing to do so I the value is a value for everyone I am sure that the first type of companies that will adopt it and be the thought leaders and we show the rest of the industry what is the right way to secure application code and software supply chain so the code and the way it is being built and deployed will be industries that are under regulations industries that actually all companies that are mature and usually it means they are big in their amount of engineers and amount of apps and governance and they learn the hard way that it's much simpler to stop risks from entering the code or entering the application then then instead of figuring out after this thing was exploited SolarWinds as an example and try to handle the crisis so it's relevant for everyone but it will be a maturity cycle across the multiple years that will start from regulated industries and how they can get started with these two solutions from APIRO customers that have APIRO it's simply there it's another capability that we added and otherwise it's really easy to create to ask for a demo and a session with the APIRO representative and then from there go to a very easy installation I need to emphasize here the way to start with this solution is simply by connecting APIRO to the SAS platform giving it read-only access to your SEM and start from there suddenly you identify pipeline configuration files you identify code posture issues connect them to API, code module understand toxic combination simply by giving a read-only access which is a configuration of probably five minutes to APIRO SAS platform and from there you can grow connect APIRO also to your pipeline ecosystem to your production ecosystem to your cloud security posture management system and then get more and more context but the beginning is literally and you can see that in some of the evidence of the PR and the blog is like the time to value is 30 minutes Moly thank you so much for taking time out today not only talk about the improving the supply chain posture but also talk about this new announcement thank you so much and I would love to chat with you again thank you I'm sure we'll chat again we are launching tons of new stuff and fun stuff and thank you again for the opportunity and for your great questions


ou know the way to the safety cabins? I might. Oh, no, we're too late. In a tree, because there's lightning, that's bad. Did everyone make it to safety on time? Join us again tomorrow to find out in part four of this Discovery Mountain Vacation Bible School Adventure. Welcome to Discovery Mountain Fall Camp. Will the campers be rescued and be safe in Jesus? Let's take a Discovery Mountain Vacation Bible School Adventure.  I'll turn on the fire. We made it. Jake, radio reader and let him know you're safe. Oh, good idea. Oh, where's my radio? I think I left it at the lake. Jake, here, you can use my radio. The battery's almost dead. Do it quick. Reader, this is Jake. Over. We're at the safety cabin. Me, Ryan, Seth, Wyatt, and Nina and Madison are here, too. But with you? Jake, how could you lose a camper?  I don't like to. Nina, aren't they with you? Aren't any other safety cabin? I'm sure they're all right. The radio died is all. Jake, you've got to find out. I'm coming with you. Eli and Jamie trapped in the storm? All we can do right now is just wait out the storm and pray that everyone makes to safety. Jamie's pretty smart. I'm sure she thought of something. Right? Right. Hey, I know. Let's play a game. Why? No one wants to play a game right now. Oh, come on. I know. Let's play I Take a Trip. I took a trip on the Ark, and I saw giraffe. I took a trip on the Ark, and I saw an elephant. I took a trip on the Ark, and I saw a jaguar. I took a trip on the Ark, and I saw a pooper scooper. What? Yeah, a huge pooper scooper right next to the elephant. Well, they would have needed one on the Ark with all those animals. I guess quite, guys. I think the rain stopped. Never mind. Hey, do you think there's any food in this cabin? There should be some emergency supplies. What kind of fishing net? It's raining like buckets out there. Hey, Ryan, can we have some of that trail mix? Trail mix? Hey, what? What? You're Ryan. You didn't notice us looking for food? Hey, don't worry about the storm, buddy. It'll be over soon. No, I'm worried about Connor, Kaylee, and Jamie. Me too, Ryan. Me too. Hey, I think the rain's slowing down. Let's peek outside. OK, be careful, Nina. I'll be careful, Jake. What's happening? Nice nap, Seth. Is the storm over? Obviously not. But it does sound a little quieter. Nina, try your radio again. See if there's any news about Jamie and Hayley. No, Madison. It's dead. Really, Ryan? Reader, come inside. Hey, why? Is everybody all right? I didn't hear a response on the walkie-talkie. Oh, sorry. Mine died, and Jake's down by the lake somewhere. Reader, did you find Connor? And Jamie and Hayley? No. But the good news is, the storm wasn't as bad as predicted. Well, do you think they made it to safety? Well, that's what I hope to find out. What's with the bucket in your hand? Well, it was propped up by the door. I'm sure glad it was empty. Otherwise, it would have drenched me. Oh, that explained all the water earlier. Let's see. Reports are that the camp is OK. We had a little flooding in the longhouse and in the Navajo cabin. Wait, wait. There was flooding? No flash flooding. Just a few puddles, really. Oh, no. Where could Connor and Jamie and Hayley be? Well, that's what I hope to find out. Jake, when was the last time you saw Connor? Well, I mean, I thought he was behind us when we left our cabin. Oh, he must have snuck back in. OK. Nina, when was the last time you saw Jamie and Hayley? Well, Hayley forgot her allergy medication. So Jamie took her back to the cabin to get it. I guess they didn't know the way up here. All three of the missing individuals were last seen in the vicinity of the cabins. Yes, that's right. If no one knew the way up here, they may have helped each other. I suppose. Now, the question we must ask ourselves is if I were stranded near the cabins and had to get to higher ground, where would I go? Climb a tree? Not on a thunderstorm. Right, lightning. Precisely, not safe. Where would I go? Madison, that's it. Oh, it is? I know exactly where they are. Well, what are you waiting for? Right. Just where did Jamie, Connor, and Hayley wait out the storm? Join us again tomorrow to find out in the final chapter of this Discovery Mountain Vacation Bible School Adventure. Welcome to Discovery Mountain Fall Camp. Will the campers be rescued and be safe in Jesus? Let's take a Discovery Mountain Vacation Bible School Adventure. God answered our prayers. The storm wasn't nearly as bad as expected. And no flash flooding. Now, we have two campers and a junior counselor that are missing. No need for alarm. Reader's out looking for him right now. Jake, I pre-empt Madison was right. Me too, me too. I'm going to read a name. And you yell if you're present. Seth Atkinson. Jamie, I just knew they'd be here. Madison's logic made so much sense. Reader, is that you? Jamie, you're here. You're all right. Yeah, we couldn't remember the way to the safety cabin. We are Connor and Hayley with you, too. We're here. Camp Director Reader, I forgot my allergy medication. I'm sorry. Well, I'm so glad you're OK. Me too. We couldn't remember the way to the safety cabin, but then I remembered the cave. This is a perfect spot. Quick thank you, Jamie. Thank you. Now, Connor, why didn't you make it to the safety cabin? I just didn't take the warning seriously. Well, young man, you know. I'm not in your trouble. I'm sorry. Well, I'll let your counselor and you work out the consequences.  Is the camp OK, Reader? Yeah, it is. There's just a few puddles. That's early. Well, there's a lot of people who are worried about you guys. Shall we go back down and let them know you're OK? Yeah, sure. Let's go. All right, Connor? Yes, sir. Lead the way, Camper. Yes, sir. And Zachresson. Oh, hold on a minute. It's Camp Director Reader. Reader, have you found the missing campers and Junior Counselor? A pair of him. That's true. Connor's got to pay the consequences. This could have been a disaster. Connor, I need to talk to you. Counselor Jake, I need to apologize. Connor, you shouldn't have stayed behind in the cabin.  I know. You're right. Well, good. I was expecting an argument. Counselor Jake, I didn't take the warning seriously. I wanted to find you guys. I was scared. Oh, I'm glad you found Jamie. Me too. Connor, I'm still going to have to tell your parents what happened. I know, I know. But Jay got taught me an important lesson. Oh, he taught you that your counselor is always right? No. He taught me that his warnings are there to help me and keep me safe. Connor, you are always safe in Jesus. He'll rescue you. I know. Campers and camp staff, may I have your attention, please? God answered our prayers. Jamie, Connor, and Haley, God kept you safe through this whole thing. And now I have two announcements. Number one, listen up. First thing tomorrow, there will be signs posted all over the camp leading the way to the safety cabins. And second, I know you're all hungry, so everyone to the cafeteria for hot cocoa and cookies. Everyone's still watching? You know, everyone else is going into the cafeteria, but I want to talk to anyone who's still watching at VBS. In Discovery Mountain, my name is Jamie Simon, but in real life, I'm Naomi, and this is Glacier View Ranch. A few years ago, I actually came here as a camper. My cabin was right over there, and my week at camp changed my life. I learned how to trust in God fully, and I gave my heart to him. Have you ever talked to God about giving your heart to him? If not, there's no better time than right now.  I hope you had fun at Rescue Safe in Jesus. Hey, I just had a thought. There might be real hot chocolate and cookies in the cafeteria. I'm gonna go find out. Bye. This has been a Discovery Mountain Vacation Bible School Adventure. Remember, you're always safe in Jesus. Good morning. When God speaks, there is lightning in the sky. When God cries, rain pours down from on high. When God laughs, thunder rolls across the plains. I will listen again and again. The waves crash upon the shore. When God gives. I want to talk to you guys. If it is all. This is our ring. When it teaches us that God keeps his word, because he said he will never send a flood again. Children, wherever you are, just get that deep exercise. And remember, our theme is always when God says something, we... I will fall down on my knees. I will listen again and again. I will listen again and again. I will listen...


Hello and welcome to the first study buddy webinar. This one we're going to be covering how to complete exams and assignments remotely. Often it's the admin side of doing the assignments and exams that students find as stressful as actually writing and putting together the and revising for exams or writing the assignments. So this is designed to help you with some of those queries that we get quite often about how am I supposed to submit my assignment and where do I take my exam. My name is Kieran Kapoor. I am the CEO of the Cambridge Marketing College. We're one of the CIM strategic partners and we've been teaching CIM qualifications for nearly 30 years at the college. So we like to think we know what we're doing when it comes to CIM. I'm also a CIM examiner. I was an examiner for over 10 years. So I have seen this from the examining side as well as the tutor side. So what we're going to go through is we're going to go through how to register for an assessment that's both assignments and exams. Then I'm going to specifically concentrate on assignments and we're going to look about how you choose a theme, how you submit your assignments and some general preparation advice. Then I'm going to go on to how we take exams and particularly at the moment the CIM has introduced online exams and so we have exciting things like online proctoring. So we're going to explain how that works as well because I know some students and learners are finding that quite a sort of scary prospect. But the first thing I wanted to do was start with how CIM assessments are marked and as I said I was a CIM examiner for over 10 years and I personally don't think the CIM shout out about enough about this and point out that the assessments are set and marked rigorously and consistently. And I can tell you that with an examiner hat on we are very carefully monitored and checked continually to ensure that we're marking to a consistent standard and that the standards and the mark schemes are rigorously applied. So you should be very proud that if you take and pass the CIM qualification you know that it has been marked to a really good and consistent standard and I think that's a very important message for you to be aware of. We always get asked what the pass mark is. The pass mark for every single module is 50%. You have to get 50%. You need to between 50 and 59% you'll be given a pass grade between 60 and 69%. It's a merit. Over 70% you get a distinction. Anything under 50% is a fail. 49 and under is a fail. It's worth pointing out that you get the actual percentage marks. So you will know where you came in those borders. I also want to point out that border lines, all the border marks between a fail and a pass, between a pass and a merit, between a merit and distinction, they are always marked by two examiners, usually the examiner and a senior examiner. So sometimes people come back and say well I got 49. Is it worth asking for a remark? It's already been remarked. You have actually convinced two examiners that it shouldn't pass. So that should be a reassurance that everything is rigorous. Sometimes people don't want to believe that if they applied for a remark they would get something different. The chances are very unlikely because of the rigorous quality that goes into those marking. So remember border lines are marked by two people. I think it's a really important message for you to be aware of. Right. Add them in considerations that you need to be aware of for any assessment, be it an assignment or an exam. There are three key things you must have.  You must be studying through an accredited study centre. The CIM does not allow you to study without a study centre, without that tutorial support. You also need to register with the CIM for the correct assessment session. That means the CIM knows how many examiners they need for each module for each assessment. That's why it's so important to do. The assessment sessions are April, July and December every year. However, for 2020 because of the pandemic the CIM has introduced a very special September session and I'll come on to that a little bit later on. You need to check with your study centre. Do you register for the membership in the assessment or does the study centre do that on your behalf? Some study centres do one, some study centres do another. The important thing is that you have checked and you know what you need to do. Right. For September 2020 only, the CIM has introduced an assessment session for assignment modules, not exam modules and they are assignment modules for the revised syllabus. Because that can be a confusing concept I've written out on the slide and you can read it yourself exactly which modules are being covered in September. This is unusual and again I think the CIM hasn't really blown its own trumpet on this one. They reacted very, very quickly to the COVID crisis, sorting out exams, sorting out assignments and this has been brought in to help people who got caught out, couldn't do the study and couldn't access information. So there is the complete list of assignment modules that will be assessed in September. Right. I'm going to look specifically now at assignments. We will run through some assignment details and then we will move on to looking at exams. So I mentioned there was the revised syllabus. There's also a previous syllabus. Now the previous syllabus came in in 2014 and it's the final assessments for the previous syllabus are done in December 2020. So again in case you're not sure, here are the list of the previous syllabus assignment modules. There is a reason why I've put the digital ones in blue. Remember that you will need that in a minute. Then we have the revised syllabus. The revised syllabus came in in 2019 and again here is a complete list of the revised syllabus modules and again notice that we've got the digital ones in blue. That will become important in a moment. So hang on to that. I've also put the marketing leadership program in green. That's because they are also assignment modules but you actually hand them in in a very slightly different way. So some of the information I'm about to give about assignment modules does not apply to the marketing leadership program. So for the revised syllabus all assignments are based on theme. This is one of the changes and innovations that came in with the revised syllabus. So for each revised syllabus assignment there are four themes to choose from. These themes change annually. So what you have is an April, July and December assessment and then there are four themes that you can write about for each module in the assignment. You choose the most suitable theme for your organization and the reason there are themes is because the CIM qualifications are taken around the world and they are taken by people who work for wildly different organizations. So you can have an organization, you can work for a huge global multinational company with multiple brands and multiple geographic locations or you may be working for a tiny startup firm. And the assignment themes are designed to help people in both those different scenarios and people that work for nonprofits or work for governmental organizations work in business to consumer or business to business to choose a relevant theme and be able to write their assignment based on that. So the theming is very important. The other thing about it is as I said the themes change annually. That does mean if you were in pretending to do an assessment in April but for some reason we are in a pandemic you needed to then apply that to July or September provided you are registered with the CIM and they are expecting your assignment provided you have cleared it with your study center so your study center is aware what you are doing you may use the same theme for the next assignment session. So it actually gives you a huge amount of flexibility. Now all assignments require you to choose an organization and it usually is described as an organization of your choice. So most people that's easy they write about their current organization that they are working for. But we all know that you sometimes are between companies or sometimes you just can't get access to information. So if you don't have an organization please don't just think oh well I know about Coca-Cola I can I can research it on the internet and write my assignment on that. You simply won't have enough inside knowledge of how things work at that company. You do need to find an organization that you have some connection with. So it's either your current organization a previous organization you can approach a company an organization that perhaps one you might like to work for and say please can I can I spend some time with you can I get some information that I need can I write my assignment on you. I've even had one or two students who have said I want to go and work for that company I will use this as an excuse to get my foot in the door and get them to understand who I am. So you can you can be quite imaginative about the organization that you choose. You could also volunteer for a charity and write about your assignment on that. So there are lots of ways of being innovative but make certain that you do have a connection in some way with the organization. You do need access to it you need information of how they are actually running on a day-to-day basis. An increasing issue that I've seen with my own students is companies are getting quite uncomfortable about you writing about your firm in case they feel that you're releasing information perhaps something that's commercially sensitive. Ninety-five percent of companies do not have this problem but if you're in the five percent where it is an issue here are some things to think about. So if your line manager turns around and says I'm not comfortable about you writing about us because of confidentiality you can be assured that CIM examiners sign confidentiality agreements and they are very strong they are as strong as you would expect a confidentiality agreement to be. It's taken very seriously. Your study center will also have confidentiality agreements and requirements for the tutors and the people that comment on your draft and again you can ask to see those if that would reassure your organization. It's perfectly acceptable to approximate data so rather than give actual physical figures you might like to say actual physical amounts of sales you might like to give a percentage market share or you might like to approximate the data in some other way. That is perfectly acceptable. You're not taking a finance exam you are taking a marketing exam so so long as the information is in a looks is supporting your argument you can approximate it to the way that you need to. As a last resort you may change the organization name please do not call it company X or company ABC. You are doing a marketing qualification try and be a little bit more imaginative don't flag up to the examiner that you've changed the company name come up with something interesting. Call it something different the examiner will just accept that and will not then challenge it but as soon as you flag it up as company X as an examiner I tended to get quite intrigued as to which which company it was. It's also worth pointing out that examiners mark a huge number of assignments at each sitting. After a while we sort of we don't notice the individual company details and we're looking for specific things for against the marking scheme. So again companies can get far more worried about the information they're releasing actually examiner isn't looking at that they're looking for the quality of your argument and the quality of your analysis. So assuming you have now written your assignment and you've got through that and you've selected your theme and you've worked out the organization you're going to write on you've done all the hard work how do you now submit that assignment at the end? So it depends whether it's a digital or a non-digital module if you remember on the slides I gave you of the revised syllabus and the new syllabus I put the digital modules in blue. So this is the reason for that digital modules are submitted to the CIMs platform and I've given you the URL there. You need to go on to the platform and register then there are some very clear on-screen instructions to follow and you upload your assignment. You must do that by the deadline. Please do not leave it until midnight of the deadline day. We've had students that have done that I should warn you that computer clocks do not always run the same. The awards platform may not be open exactly until midnight it may close five minutes earlier. Don't leave it and if you leave it till an evening there will be no one at the CIM to help you should something go wrong with the loading. So try and get your assignment in at least 24 hours before the deadline or at the very least during the working day of the deadline bearing in mind that a good hundreds of other people are going to be trying to load it on the same day at the same time. So it's part of being a marketer is having control of your time management and not leaving it literally until the 11th minute of the 11th the 59th minute of the 11th hour is actually part of a good time management skill. For non-digital modules you will submit your completed assignment to your study centre and your study centre will submit it to the CIM on your behalf. And again all submissions are now electronic and this was something the CIM moved heaven and earth to bring in when the pandemic originally struck. They were still officially at testing stage but they went live just to make certain that this all worked. So all submissions are now electronic. Marketing leadership program there are four modules on that they are submitted differently. You submit those to your study centre and your study centre then does the marking. So that's a slightly different process which is why if you remember marketing leadership program modules were in green on my previous slide. So I hope that's clear. Digital modules go to the awards platform. Non-digital modules go to your study centre electronically. Follow your study centre's specific instructions on how they want you to do to submit those. Some general assignment advice based on watching literally hundreds and hundreds of students over the years take CIM assignments and also with my examiner's hat on having marked assignments that have been handed in. The most important thing is to read the question. It's incredibly easy to disappear off at a tangent and write about what you want to write about rather than what the examiner has asked for. So make certain that you read the question. There is always a command word in the question that tells you the type of description, the level of detail the examiner is looking for. And we'll look at command words more in the next slide. The CIM very kindly gives you the number of marks per section of the question. That is a clue to how much detail they are looking for. Clearly twice the amount of length and detail in a 10 mark question than a 5 mark question. That is obvious, but it's surprising how often people forget when they're actually drafting the assignment. There are detailed layout instructions in the assignment brief. These are mandatory. There is a specific font size, for example. This is to save the examiner's eyesight. The examiner does not need to be marking, pulling out some sort of magnifying glass to try and read what you've written. There is a specific font size, you must follow it. There are specific word count requirements, you must follow them. There is no leeway on those. Deadlines are mandatory. You will be told when things have to be submitted. You have to meet that. It's quite simple. Please submit a draft to your study centre and your tutor, assuming your study centre allows it. As far as I know, every study centre allows that. Your tutor will have a draft date, a date that you can submit a draft to and your tutor is allowed to make one set of comments on that draft. They can't keep seeing draft after draft after draft. They will be able to see one draft and make comments on that to help you with your final submission. It makes a huge difference to the quality of your outcome if you use your tutor's advice. Command words. There are a lot of command words that the CIM uses, but I wanted to keep this very simple. There are basically two main types. There's another type at a higher level, but for most of the modules, you get two different types. One is the describing words, which means you are just going to tell the examiner what is going on. It's literally describe it to me. Paint me a picture. Tell me what your organisation does here. Then there are assess-spile words, which means that they want you to use your judgement. Describe just means tell me. Assess means actually think about it. Is that good or bad? What are the pros and cons? It might under-describe you would just tell me that your organisation's new product development process was this. With an assess, you would say the new product development process is this and this is good or bad because examiners love the word because. At higher level qualifications, so diploma and postgraduate diploma, you're often asked to justify.  You back your views up with sources, with models. That's why we teach you tools and models with examples and with case studies. Don't just say in my view this, in my view this because and use sources, tools, examples from real life that's always good to use. It's always good to have examples. The one command word I often see which seems to panic people is recommend. It was amazing as an examiner how often I would see people writing very confidently and then when it got to the bit where it said recommend a course of action, recommend something, they would immediately sort of panic and not sound so confident or actually just not make a recommendation. Your marketers, we recommend things all the time in real life and at work. The recommend isn't difficult. Recommend just means be confident, be brave and say this is what I believe. This is my recommendation. The final thing that I wanted to just stress is that the first task for every assignment on both the revised syllabus and the previous syllabus is a five mark organisational background section. Those should be five easy marks for you. The reason that it's there is it helps the examiner understand your organisation's context. As I said, people can be taking it with multinational firms or with a small startup or anything in between. So it just helps the examiner. You're giving the examiner clues as to what type of organisation you are working for and therefore writing about. There are five marks for that. You are told very clearly exactly what to include and I'm always amazed by the number of people who then don't include that. It tells you what to do so include it and get those five marks very, very easily. Okay, that's what I wanted to cover on assignments. Let's have a look at exams. So because of the pandemic, strategic marketing and global marketing decisions were exams where you actually went to an exam hall and you sat in the exam hall for three hours writing your answer. Obviously with the pandemic the rules have had to change so for now strategic marketing and global marketing decisions are assignments. It is possible that in future global marketing decisions will go back to being a formal written exam that you go to an exam hall to do. So if you are taking global marketing decisions and that is at level seven postgraduate diploma, keep an eye on your study centre's information and the CIM information and as the situation changes that may change. So strategic marketing which is a previous syllabus, sorry existing syllabus module that will actually finish in December 2020 so it will be assessed in July 2020 and December 2020 and both times it will be done as an assignment and then from 2021 it will cease to exist as a module. But for now both of those are assignments so you should be following the assignment instructions not the exam instructions. That leaves us with three modules that are still examined and they are marketing principles and applied marketing and they have now become online exams called remote proctoring. I think slightly confusingly but remote proctoring is just an online invigilation system. You book these exams via your my CIM portal in exactly the similar way and there is a remote proctoring charge of £45 so beware of that. Sorry before I go on if you were due to sit an exam in April and it was forcibly moved and you obviously couldn't because CIM had cancelled exams you will be moved to online exams free of charge for July but for everybody else there is a proctoring charge. There is a requirement for remote proctoring. You need a desktop computer or a laptop for some reason tablets, Chromebooks and mobile phones don't meet the requirements so you need a desktop computer or a laptop. You need somewhere quiet to take the exam for fairly obvious reasons but it's worthwhile stating obviously with people being caught up at home that can sometimes be hard so you need to find a space to be able to do this. You will need a built-in or an external webcam and a microphone that is to allow the online proctoring which means that they can check you through the webcam to see what you are doing. You will need an internet speed of at least to MPPS and you will also need photographic ID that is to prove who you are. I have taken the next slide simply directly from the CIM's own instructions so I'm just going to run through these carefully but you do get given these. You may only run the examination software for the exam itself. Don't think that you can run it up at other times it's just for the exam. Don't run any other applications for any reason while you are taking the exam. That's an obvious invigilation quality control. You will need your photographic identification and it will be checked and verified before the exam starts by the invigilator. When it comes to actually taking the exam you will obviously start your web browser that's a good start and you will enter the URL that you've been given to access the online exam. You'll enter your username and password which the invigilator will give you and then you pause for a moment and then press enter when you are asked to do so. You then do not do anything else until you are instructed to do so by the invigilator. Do however check that you have the exam that you are expecting to do listed on your screen. If it isn't the exam you're expecting that is the point where you raise that with the invigilator. So some hints and tips for preparing for an exam.  But obviously if an exam is testing your memory. So you will therefore need to revise quite carefully for an exam. Remember they are multiple choice exams that means you will be asked detail. So it's not enough to have a broad sweep of understanding. You need to be able to recall the detail of modules and the detail of the series that you have been taught. So make certain that you know and are comfortable with the models, the tools and the concepts. However you will also be asked to apply these. So you may well get a series of questions that relate to an example that you are given an example organization and then you'll be asked questions around that. So you need to know your models but you also need to check that you can apply those models to an organization. Not necessarily an organization that you know, an organization that you are given a few details of within the exam. So if you normally work for a B2C company make certain that you can apply models and tools to nonprofits and to B2Bs because that may be the type of question that you get in the exam. One of the best ways to ensure you are prepared is to go back to those basic revision techniques that you did when you were at school or college or university and creating your flashcards, getting people to test you, saying models out loud or sticking pictures of models up around those walls, those techniques. You were taught them to do them. You know they work. These are the ones that you use to get yourself ready for the exam. It is detailed memory that you need. The other thing is the CIM have produced practice papers. Your study centers may also have produced other practice papers. Make certain that you do those. Do some non-timed and do some to time. So go into the exam knowing that you are fully prepared. General exam advice. Oh it's the same as I said for the assignments. Read the question. Read the question carefully. Then read the question again. Make certain that you have understood what the examiner is looking for. Don't go herring off answering a question that you wanted the examiner to ask. Answer the question the examiner has actually asked.  There is a timer in the corner of your screen so just keep half an eye on that. Standard multiple choice advice applies. Go through the paper. Come back to questions that you are not sure about so that you know that you have had a crack at all the questions that you can do. Come back to the ones that you are struggling on. That's always a good advice on any multiple choice. But the most important thing is read that question carefully. That's the areas that I wanted to cover. Finally and ultimately good luck with assignments and exams. And I'm just going to finish off by saying who the companies that I work for. So as I said I'm the CEO of Cambridge Marketing College and there's the details of how to get hold of us should you wish to do so. Thank you.


Welcome to another episode of Frightfully Forgotten Horror Movies, but before we get started, what are we drinking? Today we're drinking Danny's Sweater Apollo Smash Ale. Alright. Today we're going to feature 1980's The Awakening. It is directed by Mike Newell, and he's done a few kind of blockbuster hits. He's done Donnie Brasco, he did one of the Harry Potter movies, and Four Weddings in a Funeral. It is based on the Bram Stoker novel. The Jewel of the Seven Stars. It stars Charlton Heston, and he's been in so many movies, I don't need to really say what he's been in, but there's one movie in particular we're going to mention that we should cover in the future, and that's The Omega Man. That scene is a little sped up. So we get introduced to Matthew Korbeck, an archaeologist, and he's hunting for this tomb of this forgotten Egyptian queen. He's kind of obsessed about it. His wife is pregnant too. He's kind of jealous too of his young assistant. Yeah, you know, they're kind of close. They're working with each other. Korbeck wants to take a drive, and he drives out into kind of the middle of nowhere. The Jewel of the Seven Stars knows that this is the place almost. He uncovers the tomb. He starts hacking away, hitting the wall. His wife is having like convulsions of like, I guess the baby, she's starting to go into labor. It could each hit. Korbeck and the assistant come back to the camp, and they take her to the hospital, and then he just leaves to go back to that tomb. Korbeck's wife has given birth now to a baby, but the baby seems to be like not breathing. I think it's stillborn, and it's premature. They find Queen Kara's tomb. As they peel off the lid of the sarcophagus, the baby comes to life. Charlton Heston is so happy that he found the queen, that he puts his hand on her hand. The fingers kind of move, they're trying to take stuff out of the tomb and get it hoisted up way over this cliff.  Like right in front of Charlton Heston, in the next shot, he's all drinking, he's got that bottle, and ahhhhh. Well yeah, your nerves would be rattled as hell.  They just took off. Now the movie cuts to 18 years later, and we know this because Charlton Heston now has this really shitty fake beard on. He's now back in England, and he's a professor. He gets notified that there's this bacteria found on the mummy that he uncovered, so he goes back to Egypt. He wants to bring it back to England where there's better technology. There's another professor there from Egypt who's against this. He wants to keep the mummy here in Egypt.  Find out that he's been sending birthday presents every year to his estranged daughter, but he's never actually met her. Just her mother's wishes. She travels back to England to meet her father, and she just sits in at one of his lectures. There was the sun, the spirit, and there was the Nile. He's wearing that lecturing cloak. You need that special lecturing cloak. The cloak? Yeah, the lecturing cloak. After the lecture, all the students leave the lecture hall, and his daughter Margaret stays behind, packing up your looks up and Margaret. He takes his estranged daughter Margaret back home, and they have dinner. With his new wife, we find out is his old assistant back from the Egyptian days. He did end up getting with her. His wife was right. During dinner, he tells his wife and his daughter that there's actually a ritual you can bring the Queen Cara back from the dead. In order to do this ritual, apparently you need the Knopic Jaws. His daughter is really interested in his work. So he actually takes her on a trip back to Egypt, and takes her to the tomb. The assistant of theirs like sets off this booby trap, and rolling things goes down the corridor, the big spike.  They just keep going further into the tomb, and they find the Knopic Jaws. He pulls these jars and takes them illegally back to England.   And that's where we're going to end the plot point. So if you want to see what happens in the Awakening, finish watching the movie. One thing I like about this movie is that it's very in-depth. There's a lot of clues laid out throughout the entire movie that you have to pay attention to.  I think it takes two viewings to really get what's going on. You said the first time you watched it, you thought, man, you watched it the second time, you appreciate it a lot more. The cinematography in this movie is just amazing, it's breathtaking. It was filmed in Egypt, and the England scenes were filmed in England, and I kind of like that contrast. Big, vast desert, wonderful shots of the mountains and the pyramids, and the desert and all that stuff. Beautiful, beautiful. And then you go to dark, dank, boring England, and you can understand Corabec's obsession with always wanting to go back to Egypt represents his best time when he did his best work in England. It's kind of like his retirement. He's just stuck teaching. It's boring. It's a different take on the whole mummy saga, right? Don't see anything in bandages walking around, trying to kill somebody. It's a very subtle possession movie.   This you'd believe. The movie is really about Corabec's obsession with the mummy. That's believable, because people get obsessed with their work, and it's really not just a possession movie, it's an obsession movie, because it's all about his and now his daughter's obsession with this Queen Cara, and they're possessed even though they're not possessed. Exactly. This is the idea that's possessed them. We have to mention that Charlton Heston's acting in this is actually pretty damn good. Of course he hams it up in the Charlton Heston way. The Kenobi Jaws. He doesn't phone it in. When I watched this movie I expected, okay, 1980 at this point. He's getting on his career. It's kind of a throwaway movie for him. It started a big blockbuster. Just assumed he would just phone it in, but no, he's like, he's on his A-game. Yeah, he's pretty good. He's really like living it. All the acting in this movie too is actually really good. It's all believable. All the death scenes in this movie are really fun too, like in a slasher way, kind of fun. Enjoyable.  And then it keeps going. Then he lands on all those rocks and everything. And then when the guy gets run over, not only does he get hit, he all gets backed over again or whatever, and over again. And then his second wife ends up actually dying is a really good scene. She falls through that greenhouse. She lives through falling through it. And then there's a big shard that comes down and just, yeah, right in the throat, yeah. His daughter Margaret is seeing a psychiatrist at this point.   Double fisted Star Trek style. Another neat thing about this movie, it's got a very ambiguous ending. You kind of don't really know what happens next. It's like kind of a cliffhanger ending, which is pretty neat. It kind of reminds me a bit of Prince of Darkness in that way. Anything could happen, right? Anything could happen at this point. And there was two endings filmed for it. One for the UK release and one for the US release. A refreshing mummy movie, I think is very refreshing because it's almost like real. It's realistic. It's not outlandish like, you know, nowadays like the Tom Cruise movie or anything like that.  Yeah, exactly. And if you want a good Charlton Eston performance so you can watch him hammer it up a little bit, please go check out 1980s The Awakening. And until next time, keep drinking in the night.


The University of California, Los Angeles implemented an electronic universal consent process to power an institutional precision health biobank across a large academic health system, resulting in a 65.5 percent average overall opt-in rate and higher rates than previously reported for email and electronic biobank-informed consent rates. This article was authored by Clara Lajancher, Arash Name, Sarah Dry, and others.


Lessons learned on the Southern Pacific Siski line. And so he sees a train go by, not paying attention, and he goes, oh, there's my train, so he barrels out onto the main only to find out he's facing another train coming at him. On this edition of Train Masters TV, bringing railroad memories to life with a bit of help. I like to be the one to weather the cars to lay the track to do the modeling, but I am all about sharing with friends. And that's what operating sessions are all about. It's a time to get together with friends. That's when the layout really comes to life. Regular maintenance keeps this railroad running smoothly. I do have a policy. If we have a switch motor fail or a derailment at a certain point, I fix it the next day. I don't let problems accumulate. Most of our problems are engineers running red signals. And 30 years of railroad modeling against the grain. No one at the time had been doing Canadian stuff, so when I went to a club or to anybody else's layout, I had totally different equipment. And that was kind of like unique in the sense that I didn't have the same engine that you had. Even in a small scale, model railroading has its limits. If you had the biggest basketball arena in the world, I could design a railroad for it. But of course you got to have time to build it. So I came up with what I thought would be practical, and I grew up to railroad. At a railroad in the garage, it's not for the faint of heart. When you have a winner like a couple of winners ago where temperature is negative 30, engines don't run as good on that kind of temperature, you know, I can't control that as much as I want to. And big scenery in a small space. I wanted to feel like I was walking down a riverbed and high rock walls just like it would have really been. I guess the only thing I didn't do right was I couldn't stretch the aisles out any wider than what I absolutely got them. Take a tour of the west end of the Baltimore and Ohio. I wanted to be able to walk down on a winter's day and feel like I had dropped into spring in West Virginia. And so I want the scene to evoke the emotions that I got when I was at that spot. And 50 years at the Naptown and White River Model Railroad Club. I don't look at this as my layout or our layout. I look at it as we are caretakers of the layout that was given to us. And 20 years of enthusiasm for building a railroad designed for operation. The more encouragement you get from building a railroad, the more you want to do. It's kind of like somebody says, wow, this is fantastic. Look at them say, we ain't seen nothin' yet.


Hi and welcome to the session. Let's discuss the following question. It says convert each of the complex numbers given in exercises 3 to 8 in the polar form. So we have to convert this complex number in the polar form. So let us first understand the key idea to solve this problem. Any complex number z is of the form x plus iota y. Then the polar form of z is given by r into cos theta plus iota sin theta. Where r is equal to root of x square plus y square and the argument of z is theta. So to convert a complex number in the polar form we need to obtain r and theta. So this is the key idea. Let's now move on to the solution. Given complex number is minus 1 minus iota. Let's denote it by z. So z is equal to minus 1 minus iota. Comparing it with x plus iota y we can see that x is equal to minus 1 that is real part is minus 1 and imaginary part is also minus 1. Now to convert this into polar form we need to obtain r. So let us first obtain r. r is root of minus 1 square plus minus 1 square which is equal to root 2. Now to convert z in the polar form we need to obtain theta. So for that first plot the point x is equal to minus 1 and y is equal to minus 1 on the argon plane. So this is the argon plane since x is equal to minus 1 and y is equal to minus 1. So this point lies in the third quadrant and its distance from the origin is root 2 because modulus is root 2. And this point is minus 1, right? And we have to obtain the value of theta. Now z in the polar form can be written as r that is root 2 into cos theta plus iota sin theta. Also z is equal to minus 1 minus iota. Let's call this as 1 and this as 2. Now since LHS of both the equations are same therefore RHS are also same. So we have root 2 cos theta plus iota root 2 sin theta is equal to minus 1 minus iota. Now comparing real and imaginary parts we get root 2 cos theta is equal to minus 1 and root 2 sin theta is equal to minus 1. This implies that cos theta is equal to minus 1 by root 2 and this implies that sin theta is equal to minus 1 by root 2. Now we need to obtain value of theta for which cos theta is equal to minus 1 by root 2 and sin theta is equal to minus 1 by root 2. So we know that cos pi by 4 is equal to 1 by root 2 and sin pi by 4 is also equal to 1 by root 2. But we need to have value of theta for which it is equal to minus 1 by root 2. Now since this point is in third quadrant so we have cos minus pi plus pi by 4 is equal to minus 1 by root 2 and sin minus pi plus pi by 4 is equal to minus 1 by root 2. So this implies that cos minus 3 pi by 4 is equal to minus 1 by root 2 and this implies that sin minus 3 pi by 4 is equal to minus 1 by root 2. That means this angle this theta is equal to minus 3 pi by 4. So this implies theta is equal to minus 3 pi by 4. Hence z in polar form can be written as r that is root 2 into cos minus 3 pi by 4 plus iota sin minus 3 pi by 4 which is the required polar form. So this completes the question. Bye for now. Take care. Hope you enjoyed this session.


You too team keep it clean sit down cuz we got plenty to talk about first and foremost happy September Happy regular season football month because in eight days We will be getting the first regular season football game between the Bucks and the boys the Cowboys So we excited for that but more importantly in a little bit longer couple days after that on Monday night football That's when we get the real stuff. But anyway, anyway, as we know Yesterday was the day where the 53 man roster was Finalized and we know that there is really no such thing as a final roster in the NFL But the Ravens they they had been very busy as every single NFL team has been because they had to make additions They had to make subtractions and they had to do some flip-flopping and maneuvering to get certain players on and off the roster Now with the Ravens with their linebacking group There have been a lot of rumors and a lot of questions and just a lot of people wondering like man What are the Ravens gonna do it inside linebacking then some familiar faces that people brought up like Patrick on wasu Josh Bynes and there was some other ones But those two a lot of people talked about them especially Josh Bynes and me whenever somebody asked me about it I was like, no, I could see why cuz he's familiar with the defense and yeah, it makes sense But I don't think the Ravens would be looking in his direction I don't think they will be eyeing him But like plenty of other things that we've talked about on here before I was wrong. So Jeff Zrebek he said Ravens will be bringing back a familiar face They are planning to sign middle linebacker Josh Bynes to their practice squad per Sources it will be Bynes third go around with the team Ravens for inside linebackers are all young So Bynes who was released by the Panthers yesterday will provide some depth and Experience and that is very true. That is exactly what he brings depth and experience Experiencing the NFL experience with the Ravens and I guess with with Josh Bynes Every time that he's with the Ravens. They have a lot of success like a lot His first go around they just won a Super Bowl his second go around. They went what 14 and 2? So Josh Bynes when he's on a Ravens. Yeah, he does his thing So this season I'm expecting this season to be amazing.  So shout out to him now Zrebek also talked about how the Ravens could possibly add Jalen Moore since he cleared waivers He's also talked about trace pink sorely in which it was expected that trace was also gonna clear waiver So they could add him to the practice squad if they want to now Addition by subtraction even if it's not by choice Now Nigel warrior Let's just go back to the video that we did yesterday where we talked about Nigel warrior and this is what we had to say Now you got to feel like this is somebody that the Ravens if he makes it through waivers You got to feel like they definitely gonna bring him back to the squad right if you like it like he almost Like he has to if he passes through wave big if now There could be teams like the Patriots, Patriots You know they love some old Ravens defensive players.  I really don't if you don't and he didn't Nigel warrior did not make it back. I didn't expect him to I didn't think he was going to I hope that he would but he didn't make it back because the Seattle Seahawks They put in a claim for Nigel warrior, so he almost made it back, but nope He sure didn't So now he is headed to Seattle and I hope he does this thing over there I hope he does well And the Ravens they knew the risk going into it. They knew the risk with cutting Nigel warrior They knew that there was always gonna be a risk if you let him on the waiver wire Because another team could claim him and now he's gone. So I hope he goes over there and just kills it With the Seattle Seahawks, and I hope he really gets an opportunity to because that's the biggest thing I know as fans we always want all the players to stay on the team. We want them boys to just be there So just in case as backups as depth as special teams as starters We want those boys to stay with the squad, but Gotta also root for them for when they get their chance to so hope Nigel warrior goes out there and does what he does now another subtraction Was at the running back position somebody who I thought make clear waivers and that was mr. Nate McCrary the running back who Very very very excellent decision maker. He's a quick decision maker to and as a Ravens running back That's exactly what you had to be. I thought that he made clear waivers, but he didn't the Denver Broncos So it's possible that in a couple of weeks the Ravens could actually be going up against the Nate McCrary We'll see though But the Denver Broncos they put in a claim for Nate McCrary So that leaves the Ravens little thin at running back because we don't know what the status of Justice Hill is as of right now So our for sure running backs are healthy guys our Gus Edwards and Tyson Williams Justice Hill his status is unknown and Nate McCrary is not on the practice squad. So We don't have running back. So it's They now they they have to add somebody like we already knew they were gonna add somebody But now they have to and another thing to think about something that we brought up in the live stream And I talked to a few people about it too Because we heard John Harbaugh speak about no, no, we were good on running back. We believe in all of our guys Yes, we have faith in all of our running backs that are on a team already. We got our guys We're good. We're good. Trust us but So many times they said that before about positions even this year Eric DeCosta when he was talking about the wide receivers said it's insulting How you guys talk about our wide receivers? It's insulting that you guys will feel like we need to add a wide receiver It's insulting The way you speak of the guys that we have on a squad at the receiver position. It's insulting And then he turns around and then drafts to receivers in the first and the fourth round of the draft So when these coaches when these GM's when they say that stuff. Oh, yeah, we're confident in the guys that we have We're confident in the guys that we have like they're confident in the linebacking group when when LJ Ford went down and say yeah, we're confident in the guys that we have They go sign Josh Bynes We're confident in the guys that we have that running back They're gonna sign somebody who that is I have absolutely no clue I've done talked to so many people some people heard about just some Levy on bail stuff I don't know. I think he is a good fit at all whatsoever with the Ravens not one bit But I just I don't think he's a good fit. I just don't Todd girly that was temporarily shut down by Josina Anderson. There's some other running backs out there There's plenty of running backs out there. Um, but we'll see what they do They definitely gonna do something though. They're definitely gonna do something but now we just got to wait and Shout out to Joel and bead who was getting on media today. He said a media They they always creating a bunch of lies and stories just so they get a bunch of followers But just like Joel and B said we got to just trust the process And if you don't trust it, then that's fine, too But we just got to wait the process out and we got to see how everything goes But team keep it clean. I appreciate y'all. I love y'all. I appreciate you all for trusting our process Oh, thank you all for 44,000 subscribers. We don't hit 44k. That's such an awkward number But I'm appreciative of that awkward number cuz this is another step forward and Whatever this thing is gonna go where it goes. Who knows? I don't know no clue But I'm grateful for where it's been and where it's at right now So thank you all I appreciate you all and shout out to everybody that came through on that random live stream yesterday That just popped up out of nowhere. Thank you for that. I love you. I appreciate you and without further ado We out. Bye


Hello friends, welcome to the session. I am Malka. We are going to discuss matrices. We have to compute the four line We have to add the two given matrices our first matrix is a b minus b a and our second matrix is a b b a Now let's start with the solution as we all know that to obtain the resultant of the two given matrices That is by addition. We have to add the corresponding elements of the given matrices.  Hope you understood the solution and enjoyed the session. Goodbye and take care


Hello, and welcome to the session in which we would look at the book value per share. What is the book value per share? What's the big idea? Well, basically it's finding the price of the company based on the book value. The book value means the accounting value rather than the fair value. Each company, if it's publicly traded like Google, PepsiCo, Walmart, so on and so forth, they have a fair value price. It means a price that people buy and sell on the market. Well, guess what? There is another accounting price, and that accounting price is called the book value per share. Simply put, it's signing a stock price, but that stock price is based on the balance sheet. Now, there are a lot of issues with that, and we'll see why in a moment, but remember, the balance sheet figures are historical data. Like, for example, property, plant, and equipment, land. Nevertheless, it might give us some idea about the prospect of the company by finding that book value. Now, how to compute this stock price? That's the book value. It's pretty straightforward. Basically, we're going to take the equity section that belongs to the common stockholder, so the equity section minus any preferred stock claims. Now, the computational becomes a little bit involved when we have preferred stock claims, and this is what we will work in this session to work examples, divide by the ending number of shares, or you might see it in your textbook as common shareholder equity, which is common means no preferred. But when you say common, it means take out the preferred divided by the ending number of shares. The formula is pretty straightforward, pretty easy to compute unless you have some preferred stock claims. What could be those preferred stock claims? Well, they could be you could have cumulative preferred. We talked about this where you were where you have to take into account every year. The dividend, regardless whether they declared it or not, just like computing earnings per share, you could have dividend and arrears. Dividend and arrears when the company when the company has a cumulative preferred and they are behind behind, it means they missed one or two years. Now, what you have to do, you have to take those dividend and arrears into account in your computation. Sometimes there's a cold premium. What is a cold premium? Cold premium is when the company have the right, they have the right to call the preferred stock and usually they pay a premium a price above that. Well, if that's the case, you have to take that cold premium into account and the preferred stock could be fully participating or not fully participating. We'll work examples that's fully participating to illustrate the point. But once you grasp the basic idea about that, that you have to take out the preferred stock claims when computing the book value per share, because the book value per share is the value to the common stockholders. This is what we're computing. Now, in this example, as I'm going through the through the numbers, I will compute the book value for the preferred stock as well to give you an idea to kind of you'll be able to kind of see the full picture. What is the general rule from a business perspective about this? The general rule is this, the fair value of the stock should be higher than the book value. In other words, when you look at the company stock, the stock price that's traded on the market should be higher. Otherwise, if that's the case, the company is undervalued. What does that mean? It means if you sell the company, you'll get if you sell if you look with the company because the book value is based on the book value is based on the book value based on the accounting figures based on the balance sheet figures. So in other words, if if the book value is higher, look with the company and the shareholders are better off. So generally speaking, generally speaking, fair value should be higher. Or if the fair value is not higher, the company is extremely risky. It means for some reason, no one likes this company. That's why the fair value, no one is buying their stock. And I will show you an example in the real world about both where the company had low book value and high book value. So otherwise, you are better off liquidating the company. And the best way is to show you a few companies, a few samples, few real time book value and discuss them just to get to look at the big picture. The first company I'm going to I'm going to look at is Apple, which is traded trading right now. The fair value of the stock price based on the closing 176.28. Again, when you're looking at this, it might have a different number. No, finance Yahoo will give you the book value per for any company you are looking for. So the book value per share is $3.84. What does that mean?  The company is worth a little bit less than $4. The company is worth actually 176. So if we take 176.28 divided by $3.84, it means Apple is straight is trading approximately 46 time its book value. What does that mean? It means Apple value not from its asset. Apple value is from its earnings because it earns a lot of it earns a lot of profit. And that's why so the assets so the balance sheet is is really meaningless when you look at Apple. What matters?  Now, I'm going to compare and contrast Apple. Again, they're not comparable, but I'm trying to give you a different book value to get to the point. A company like Bank of America Bank of America stock price is $44. If we look at their book value, their book value is $30 and 22 cents. So if we take $44.42 divided by $30 and some odd change, Bank of America is only trading at one little bit less than one and a half times its book value. So it's traded at one and a half time. At some point, Bank of America book value at some point was higher than the fair value. This was an exception because of the financial crisis. They had a lot of those collateralized mortgage debt, which there were bad assets. So it was reverse, which is unusual. So the point is a company like Bank of America, it's totally different than Apple. Why?  But but the stock price is traded at $44.  Bad debt, those bad investments and bonds. But that's a different story. I'm going to look at one more one more company like normal. It's not like Bank of America. It's not Apple, something in between. And that's Darden. That's Darden Company, which is the rest. It's Darden. Let me just put it up. Darden Restaurants, it owns a few other companies. If you don't know what this company is, let me take a look at their profile. It's good to see. Good job, Adam. You would see what they do. Just so it gives you an idea. They own the Olive Garden. They own Longhorn Steakhouse. So just so it's good to know what the company is in the business. So they own many restaurant chain. So so let's take a look at their book value, their trading at $146.11. And if we look at their book value, let me scroll down. Their book value is almost $20. OK, so if we're looking at 146 divided by 20, a rough estimate. Their trading at $7.3. Again, the reason I said this is a rough estimate because the price could change tomorrow and this could change. So their trading at $7.5, their book value. That could be normal. That could be the normal thing for restaurants. So for a restaurant, when you value a restaurant, you look at their book value, you multiply it by $7.3. Now, then you can go ahead and make decisions. Look at competitors to Darden restaurant and see if that that that relationship stand seven and a half times their book value. So this is how the how the book value is used in real world. So from a financial perspective, from an analyst perspective, of course, the book value is looked at when evaluating a company. Let's go back here and start to look at actual computation. We're going to be using this Adam company and they have capital stock. They have common stock preferred stock. They have retained earnings. We're going to try to compute the book value under several scenarios, starting with a simple scenario to illustrate the point. Then we'll make the example a little bit more challenging. Before we proceed, I would like to remind you whether you are an accounting student or a CPA candidate to take a look at my website, farhatlectures.com. My motto is saving CPA candidates and accounting student one at a time. I believe accounting students and CPA candidates, they're the same thing. They're going through the same thing. I provide you additional resources, lectures, multiple choice, true, false, exercises that's going to help you do better on your exam. I don't replace your CPA review course. On the contrary, you need a CPA review course. I'm a useful addition. I can help you learn the material better. If not for anything, take a look at my website to find out how well your university is doing on the CPA exam. This is a list of all my course catalog, which I have on my website that you can check out, including lectures, multiple choice, and true, false. My CPA supplemental resources are aligned with your CPA review course, whether it's Becker, Roger, Wiley, or Gleam. I give you access to 1,500 previously released AICPA questions with detailed solution. If you have not connected with me on LinkedIn, please do so. Take a look at my LinkedIn recommendation, like this recording, share it with other, connect with me on Instagram, Facebook, Twitter, and Reddit. So let's start to compute the book value per share for this sample company. First, you have to understand how to read the statements of stockholders equity. So this is only a partial balance. This is only the stockholders' equity. So for this company, we have preferred stock, we have common stock. The preferred stock is $50 per share. It's 8% for this example here, non cumulative, non participating, keeping it simple. They have 5,000 authorized, of which 3,000 issued an outstanding. Well, if it's 3,000 issued an outstanding, we're gonna be paying the dividend to only those 3,000 shares. And notice, if we take the power value times the 3,000 will give us 150. Common stock, we have a common stock with a power value of $10. 50,000 shares authorized, of which 40,000 outstanding. So if we take $4 times 40,000 will give us 400,000. So this is 550 is total capital stock and we have additional paid in capital for the preferred 40, for the common 100, 140. So this is total paid in capital. We have retained earnings of 150 and stockholders' equity of 840,000. So what we're gonna do is this. Remember, we have stockholders' equity of 840,000. This stockholders' equity, because we have preferred stock, we have to back out the preferred stock, whatever belong to the preferred stock and what's left belongs to the common. Whatever's left belongs to the common, we're gonna take it and divide it by 40,000 shares to come up with the book value. So let's do this. Let me just show you the number so it's easy to look at it. And here we're gonna assume it. Again, we said it's non cumulative. We'll talk about this in a moment. So what belongs of the 840,000? This belongs to the preferred 150 and this belongs to the preferred. So what belongs to the preferred is 190 and the remainder belongs to the common. What belongs to the common is 650,000. We're gonna take 650,000 divided by 40,000 shares to book value per share for the common is $16.25. If we take 190,000, what belongs to the preferred divided by the number of shares for the preferred? And this is really in the real world. You don't use this a lot. I'm just giving you the example to kind of tell you that you could also compute the book value for the preferred. But the problem with the preferred in the real world, you have many types of, many different types of preferred. That's why you can't do that unless the company has only one type of preferred. So the book value of the preferred $63.33. I'm gonna be using the same sets of data in working different scenarios. So bear in mind the total equity should be 840,000. So always check yourself that this is equal 840 and how you split it between preferred and common. Let's change the example a little bit. Just a minor change. In this minor change, we're gonna make the preferred cumulative. When the preferred is cumulative, you have to take into account the dividend, whether it's declared or not. Because once it's cumulative, it's you are responsible for it. So it's a good idea now to practice how to compute the dividend for the preferred. How do we compute the dividend for the preferred? We'll take the par value times the rate. So each preferred share gets $4 per share in dividend. We have $4, we have 3000 shares, authorized shares issued and outstanding. So the shareholders are going, the preferred shareholders will get 12,000. So where does the dividend comes out? The dividend comes out of retained earnings. So here's what's gonna happen now. Just like the prior example, we have the preferred stock paid in capital. Now under the preferred column, we're gonna give them an additional $12,000. This additional $12,000, it's gonna come out of retained earnings. So notice retained earnings for the common went down. Now the common, the common equity is 638,000. The preferred, what belongs to the preferred is 202 remember to always add them up. They'll add up to 800 and should add up to 840. Now the common book value of the common stock is $15.95 lower than the previous one. The previous computation, the book value for the preferred 6,733 actually higher than the previous one. Now let's change the scenario a little bit and assume that the preferred stock is cumulative and it's two years in a year. It means they owe the shareholders two years. What does that mean? Every year remember, we have to pay the shareholders 12,000 because it's a cumulative. If we don't pay it, we owe it to them. Now if we are two years behind, we owe them 24,000 and this year we owe them 12, so we owe them 36. Now when we do the computation, we're gonna give the preferred column 36,000. So we're gonna reduce retained earnings from 150 to 114 and it goes to the preferred. Now if we add up what belongs to the common, 614,000. The book value is $15.35. What belongs to the preferred 226 divided by 3000 shares, the book value is $75.33. Let's change the scenario again and let's assume the company is paying $50,000 in dividend and let's assume the preferred dividend is fully participating. Fully participating means the preferred dividend, they don't only get 8%, they're gonna get 8%, the common shareholder will get 8% and whatever is left, they both have to participate in the profit and we talked about fully participating when we talked about the preferred stock, if you wanna go back and see the preferred stock session, but here we are actually showing an example about fully participating. Now I could also make it more complicated, I can tell you it's fully participating and we have two years or three years behind or something like that, but I'm gonna keep it simple, it wants you understand the concept, you will get it. So what's gonna happen is this, first we always the preferred get their money first. So of the 50,000 first we have to pay 12,000 to the preferred. So the first thing is now of the 50,000, 12,000 goes to the preferred. Now what's gonna happen? The common, we're gonna give the common 8%. How do we compute the common share? We're gonna take the par value times 8%, the same rate that the preferred are getting first. So $10 times 8%, the shareholders will get 80 pennies per share. There are 40,000 shares outstanding, so 32,000 will go to the common. So we're gonna give the common 32,000. 12 plus 32, 44,000. So what we did of the 50,000, of the $50,000 that the company paid, we already distributed 44,000. What's left is 6,000. If we take 6,000, 6,000, and what we're gonna do with the 6,000, divide the 6,000 by the par by the total capital stock for the par value of the preferred with the par value of the common will come up with the, what's called participating rate. This is how they're gonna be distributing the remaining amount at a rate of 1.0909 rounding. Now we have the rate, the participating rate, 1.0909% rounding. So what's gonna happen? We're gonna take the $400,000, what belongs to the common, the common par times that rate, and we're gonna give the common $4,363. And 60 cent of what remains. And for the preferred, we're gonna take 1.0909 times 150. And we're gonna give the preferred $2,727 and 40 cent. And now we distributed the remaining. Remember, we had 50,000 minus 44. We have 6,000 left. Now we distributed the 6,000 between the preferred and the common. Nothing's left. And always double check yourself. Make sure, add up the preferred, add up the total and they should add up to also 50,000. Now we're ready to compute the book value per share. And the book value per share is what belongs to the common is the 400, 100,000 and 135,273, which is in total 635,273. This column belongs to the preferred. Then you'll take what belongs to the common divided by the number of shares outstanding, what belongs to the preferred divided by the shares outstanding. Now also, if you wanna make this a little bit more complicated, we could also say that the preferred stock is at a premium of 105%. It means when rather than 150,000, if the company will have to buy the stock at 105%, it means you have to take 150,000 times 1.05. And this becomes, rather than 150, becomes 157,500. It means there's a cold premium for the preferred. Well, it doesn't matter if we take it from the, if we add it to the preferred, we have to take it from the common section. What you should do now is to go to farhatlectures.com and work multiple choice questions, true, false, invest in yourself. Understanding the book value per share will help you answer any questions, especially in this session, also what we learn is how to distribute the dividend. When we have preferred in common, the first goes to the preferred. So I showed you how the distribution takes place. Don't shortchange yourself. The CPA exam is worth it. Good luck, study hard and stay safe.


When you don't use a muscle for a while it atrophies and you are no longer strong in that area but when you practice Your that muscle it can become strong again, and one of the muscles that So-called muscles that I think a lot of people Don't practice enough is their awareness of time their precision about time You know how when people are trying to lose weight or eat healthier It is often recommended that they keep a food journal meaning they write down Everything that they're eating. Okay, and just the simple act of writing it down Creates more choice Because it creates more reflection about what you you are actually doing and the same thing goes with time By the way before I move on I should mention that in case you're wondering why everything is so yellow brown here We are in a drought in California And our city is being responsible and not watering the lawn so much and so Here we say brown is the new green anyway, so in case you're wondering why I'm in this kind of landscape here, so what I have done for years is a technique called time logging and If you really want to be if you really want to change your consciousness and awareness about your time Which is your most precious resource the resource that is given to you similarly to the same resource that's given to every human being on this planet and Why is it that some people who come from the the same? Circumstance as you do are able to achieve so much and same thing other people come from same circumstance achieve so little Okay, it's all because of how we invest our time So I really encourage you to become more aware and precise about how you invest your time And so do time logging I do it two weeks every year But I've been doing it for years, so if you really want to grow that muscle I recommend doing it one full week every three to six months and You can of course take off the weekend if you don't want to follow some kind of schedule or or to be aware of time It's got it's good to have a break even during the time logging time So I do it Monday through Friday basically from morning to to evening from when I wake up to when I go to bed and so Let me give you a Simple method of doing it and then later I'll share with you a mobile app You can use if you if you choose to go in that direction the simple method is to use just pen and paper and It's the idea is to have it with you This is pen and paper just maybe a small piece of paper you can put in your pocket in a small pen or pencil and When you wake up, okay, you write you take two minutes to write down what you are planning to do for the next two hours You're gonna brush your teeth do morning hygiene, you know spiritual reading meditation Prioritizer that whatever you can do in the next two hours. Okay now two hours later two hours after you've woken up You take another two minutes You write down what you did in the past two hours and what you plan to do in the next two hours now Importantly, there is no judgment when you write stuff down in your time logging. There's no oh my god I can't believe I spent all the time surfing Facebook or playing a game or there's no judgment You simply are practicing the muscle of writing it down So you're recalibrating your precision and awareness about how where your time goes no judgment because the simple act of becoming more aware gives you more choice and Allows you to be wiser very naturally in how you invest your time so every two hours from morning from Waking to sleeping you take two minutes log what you did in the past two hours what you are going to do in the next two Hours and if you want to do it on a mobile app. There's an app for that Android and iPhone same app that I really love to use. It's called a time logger It's the letter a and the T. I am E L-O-G-G-E-R.com So I hope that's that makes a big difference in your life as it has mine and Until the next video. I wish you more awareness and consciousness About your use of time


His real name's Sean Combs and he was born and raised in Harlem, New York City. He experienced the tragic loss of his father at the age of three. Following this, his family relocated to Mount Vernon, New York, nine years later. There he attended prep school and earned the nickname Puck due to his habit of puffing up his chest during football practice. Although Combs initially pursued a higher education at Howard University in Washington, he left after two years to be a party promoter, background dancer, and a label intern. He did he made his initial mark as a talent director at Uptown Records before venturing out to establish his own record label Bad Boy Records in 1993.


Yemen is an important transit country on the migration route from the Horn of Africa to the Arabian Gulf. The majority of those travelling on this route are Ethiopians. They are in search of work opportunities and hope to eventually make it to the Kingdom of Saudi Arabia. From February to June, COVID-19 related restrictions led to a 90% reduction of migration to Yemen. Border security along the route has also caused at least 14,500 Ethiopian migrants to become stranded in Yemen. Without access to basic services like healthcare and clean water. Their living conditions are dire. Many are sleeping out in the open, while others are staying in abandoned buildings, putting them at greater risk of exposure to COVID-19. Migrants are not a priority target group for the public healthcare system in Yemen, where only 50% of healthcare facilities are fully functional. Labelled as carrier of the virus, migrants are also facing increasing dangers like verbal and physical harassment, detention and forced movements. This, in addition to the risk already endured by migrants like abuse, exploitation and torture. We are receiving increasing requests for migrants for help to get back home, particularly in Aden. But with the restrictions on travel between Yemen and Ethiopia, this is currently impossible. Ultimately, to save lives, the safe and dignified return of any stranded migrants requested must be facilitated.